Prudential Financial Inc. (P1DT34) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Prudential Financial Inc. BRL 226, price BRL 306, upside -26.1%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range R$171.66 – R$371.81 · fair‑value band R$206.28 – R$256.33 · the R$305.70 price screens above the R$225.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
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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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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. 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. (P1DT34) currently trades at R$305.70, while our model-based Fair Value estimate is R$225.94, 26.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of R$341.41 per share, and 2 of the 6 models we run sit above the R$305.70 price.
Bear case: the Dividend Discount group reads lowest at R$145.52, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: R$206.28 (bear) to R$256.33 (bull), the price of R$305.70 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 55/100 (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 $56.5B in FY2025 versus $70.9B in FY2021, a compound −5.5%/yr. Reported net income was $3.6B in FY2025, compounding −17.5%/yr from FY2021.
Key figures
Market cap R$205B (≈ $39.2B) · P/E ratio 12.2 · P/S ratio 0.77 · EPS (TTM) R$25.16 · Dividend yield 1.8% · Net margin 6.3% · Return on equity 10.7% · Return on assets (EBIT) 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 32% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −26%, P1DT34 screens cheaper than that median.
Fair Value models
Bear R$206.28Fair Value R$225.94Bull R$256.33
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$14.90 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.4%
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.8%
’18
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−6.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.9%
Dividend (yield on the price)1.8%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−1% → 8%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−17.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in USD, USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −19.5% a year for the price and −0.2% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (100 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Compare Prudential Financial Inc. with another stock
Price, fair value, quality and upside side by side.
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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 · 88 stocks
Beats the industry median on 3/15 measures
Overall it trails its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside−24.2% · Below median
Profitability
Return on equity (TTM)10.7% · Below median
Return on assets0.4% · Bottom 25%
Net margin (TTM)5.5% · Below median
Operating margin (TTM)4.7% · Bottom 25%
Growth and dividend
Revenue growth15.3% · Above median
Dividend yield (TTM)1.8% · Bottom 25%
Balance sheet
Debt / equity0.66× · Highest 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Prudential Financial Inc. Fair Value". https://www.fairvalue-calculator.com/stock/P1DT34
Frequently asked questions
Is Prudential Financial Inc. (P1DT34) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of R$225.94 versus a price of R$305.70, about −26% upside (overvalued).
What is the fair value of P1DT34?
Our model-based fair value for Prudential Financial Inc. is R$225.94 (as of Oct 3, 2026), built from audited fundamentals. The current price: R$305.70.
What is the quality score of P1DT34?
Prudential Financial Inc. has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Prudential Financial Inc. (P1DT34)?
Our model-based price target is the fair value of R$225.94 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario R$206.28, optimistic scenario R$256.33. It is a calculation from audited fundamentals, not an analyst target.
What is the Prudential Financial Inc. stock forecast for 2026?
Our models put fair value at R$225.94, about −26% upside versus a price of R$305.70 (overvalued). Cautious scenario R$206.28, optimistic scenario R$256.33. The calculation is refreshed regularly with new filings.
What is the revenue of Prudential Financial Inc. (P1DT34)?
Prudential Financial Inc. reported trailing-twelve-month revenue of about $63.3B (latest available figure, as of Oct 3, 2026).
Does Prudential Financial Inc. pay a dividend?
Prudential Financial Inc. currently shows a dividend yield of about 1.78% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Prudential Financial Inc. (P1DT34)?
For today's price to be fair in a discounted-cash-flow model, Prudential Financial Inc. would have to grow free cash flow by -17.6 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -0.2 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of P1DT34 use?
Our models discount Prudential Financial Inc. at 11.8 %: a base by market capitalisation (large), damped by beta 0.84, country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Prudential Financial Inc. that is -17.6 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has Prudential Financial Inc. (P1DT34) delivered so far?
Over the past 5 years revenue at Prudential Financial Inc. grew -0.2 % a year. The price currently implies -17.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Prudential Financial Inc. (P1DT34) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Prudential Financial Inc. (-17.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Prudential Financial Inc. (P1DT34)?
The free-cash-flow yield on the price is 30.79 %: that much free cash flow Prudential Financial Inc. produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Prudential Financial Inc. (P1DT34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Prudential Financial Inc. it is R$225.94 per share (as of Oct 3, 2026), against a price of R$305.70. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Prudential Financial Inc. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, P1DT34 trades above its calculated fair value: price R$305.70, fair value R$225.94, a gap of about −26% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of P1DT34?
No. The price is what the market pays today (R$305.70); the fair value is what the company's own numbers justify (R$225.94). For Prudential Financial Inc. the two are R$79.76 per share apart. That gap is exactly why we show both numbers side by side.
How much is Prudential Financial Inc. worth?
The market values Prudential Financial Inc. at about R$205B (market capitalisation, as of Oct 3, 2026). Per share that is R$305.70; our models calculate a fair value of R$225.94 per share.
What do the bullish and bearish scenarios say about P1DT34?
Our models span a range for Prudential Financial Inc.: cautious scenario R$206.28, base R$225.94, optimistic R$256.33 per share (as of Oct 3, 2026, price R$305.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of P1DT34?
Prudential Financial Inc. trades at a price-to-earnings ratio of 12.2 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$225.94 is built from several models across several years. Other multiples: PEG 1.2, P/B 1.2, P/S 0.6, EV/EBITDA 8.0.
What is the PEG ratio of P1DT34?
The PEG ratio of Prudential Financial Inc. is 1.24 (P/E divided by earnings growth, as of Oct 3, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Prudential Financial Inc. (P1DT34)?
Balance-sheet figures for Prudential Financial Inc. (as of Oct 3, 2026): return on equity 10.7%, debt of 0.66 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is P1DT34 from its 52-week high?
Prudential Financial Inc. trades at R$305.70, about 5% below its 52-week high of R$321.28 and 32% above the low of R$232.43 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of R$225.94 is for.
Which stocks are comparable to Prudential Financial Inc.?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Prudential Financial Inc. stock attractive at the current price?
The data as of Oct 3, 2026: price R$305.70, calculated fair value R$225.94 (−26%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of P1DT34 calculated?
We run Prudential Financial Inc. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$225.94, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Prudential Financial Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Prudential Financial Inc. (P1DT34)?
The closing price on Oct 1, 2026 was R$305.70. Our model-based fair value is R$225.94, about −26% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Prudential Financial Inc. right now?
The price sits above even our optimistic bull case (R$256.33). The favourable scenario is already priced in. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Prudential Financial Inc.
How large is the market capitalisation of Prudential Financial Inc. (P1DT34)?
The market capitalisation of Prudential Financial Inc. is R$205B (≈ $39.2B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Prudential Financial Inc. (P1DT34)?
The price-to-sales ratio of Prudential Financial Inc. is 0.77 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Prudential Financial Inc. (P1DT34)?
Earnings per share at Prudential Financial Inc. are R$25.16 (price ÷ EPS = P/E 12.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Prudential Financial Inc. (P1DT34)?
The dividend yield of Prudential Financial Inc. is 1.8% (payout 21.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Prudential Financial Inc. (P1DT34)?
The net margin of Prudential Financial Inc. is 6.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Prudential Financial Inc. (P1DT34)?
The return on equity (ROE) of Prudential Financial Inc. is 10.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Prudential Financial Inc. (P1DT34)?
On an EBIT basis the return on assets of Prudential Financial Inc. is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Prudential Financial Inc. (P1DT34)?
The operating margin of Prudential Financial Inc. is 4.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Prudential Financial Inc. (P1DT34)?
Revenue at Prudential Financial Inc. is growing +15.3% versus a year earlier (3y avg +2.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Prudential Financial Inc. (P1DT34)?
Earnings per share at Prudential Financial Inc. are growing −14.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Prudential Financial Inc. (P1DT34) carry?
The net debt of Prudential Financial Inc. is $3.2B (fiscal year 2025, ≈ 0.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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