Prudential Financial, Inc. (PRU) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Prudential Financial, Inc. stock $85.70, price $122, that is 30.0% below the price, quality 52 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Prudential Financial, Inc.
PRU · USOur calculation puts a fair price 30% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $64.79 – $126.63 · fair‑value band $64.28 – $107.12 · the $122.46 price screens above the $85.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
Prudential Financial, Inc., together with its subsidiaries, provides financial products and services in the United States, Japan and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments.
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The PGIM segment offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its insurance and retirement businesses.
The Retirement Strategies segment provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; group annuities and other products; international reinsurance; investment only products; and FlexGuard suite, Fixed annuities, and variable annuities, as well as develops and distributes individual variable and fixed annuity products.
The Group Insurance segment offers various group life, and long-term and short-term group disability, as well as group corporate-, bank-, and trust-owned life insurance; and supplemental health solutions including accident, critical illness, and hospital indemnity.
The Individual Life segment develops and distributes variable life, universal life, and term life insurance products. The International Businesses segment develops and distributes life insurance, retirement products, investment products, and certain accident and health products.
The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks, financial professionals, and trusted partnerships. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
Stock analysis
Prudential Financial, Inc. (PRU) currently trades at $122.46, while our model-based Fair Value estimate is $85.70, 30% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $97.49 per share, and 1 of the 6 models we run sit above the $122.46 price.
Bear case: the Asset-Based group reads lowest at $17.54, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $64.28 (bear) to $107.12 (bull), the price of $122.46 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
Prudential Financial, Inc. reported revenue of $60.8B in FY2025 versus $71.1B in FY2021, a compound −3.9%/yr. Reported net income was $3.6B in FY2025, compounding −20.3%/yr from FY2021.
Key figures
Market cap $39.8B Large · P/E ratio 11.5 · P/S ratio 0.65 · EPS (TTM) $10.62 · Dividend yield 4.5% · Net margin 6.4% · Return on equity 12.0% · Return on assets (EBIT) 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at −30%, PRU screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director sold shares worth $2.4M and none bought.
- SaleAnn M KapplerEVP and General Counsel2× since May 14, 2026: 21,232 shares, avg. $111.09$2.4MAug 14, 2026
- BuyThomas D StoddardDirector250 shares at $102.97$25,743Feb 17, 2026
- BuyJoseph J WolkDirector400 shares at $105.32$42,128Feb 11, 2026
- BuyJacques ChappuisExecutive Vice President1,000 shares at $100.97$100,970Feb 6, 2026
- SaleCaroline FeeneyExecutive Vice President6,555 shares at $116.28$762,215Dec 11, 2025
- SaleTimothy L SchmidtSenior Vice President8,000 shares at $107.69$861,520Dec 2, 2025
- SaleCharles F LowreyChairman of the Board, Director48,164 shares at $107.39$5.2MNov 10, 2025
Plus 4 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
Recent news
- PRU Gears Up to Report Q3 Earnings: Here's What to Expect
- How Investors May Respond To Prudential Stock As Earnings Forecasts Fall
- Prudential Financial (PRU) Stock Could Be Cheap Following Its 46% Three Year Run
- Prudential Financial (PRU) After The SoFi Tie Up Looks Fully Valued
Compare Prudential Financial, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 77 stocks
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Ping An Insurance (Group) Company 601318 | ¥54.35 | ¥66.91 | +23% | vs PRU |
| China Life Insurance Company 601628 | ¥35.85 | ¥40.47 | +13% | vs PRU |
| Life Insurance Corporation LICI | ₹408.00 | ₹299.42 | −27% | vs PRU |
| Cathay Financial Holding 2882 | 112.00 TWD | 71.53 TWD | −36% | vs PRU |
| Manulife Financial Corporation MFC | $43.99 | $27.02 | −39% | vs PRU |
| Aflac Incorporated AFL | $126.24 | $67.30 | −47% | vs PRU |
| AIA Group 1299 | HK$78.85 | HK$41.63 | −47% | vs PRU |
| MetLife, Inc MET | $99.75 | $48.73 | −51% | vs PRU |
| Great-West Lifeco Inc GWO | C$90.09 | C$41.76 | −54% | vs PRU |
| Power Corporation POW | C$91.75 | C$33.01 | −64% | vs PRU |
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Key figures of Prudential Financial, Inc.
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