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Prudential plc (PUKN) Fair Value & Analysis

Financial Services · MX · Market cap 680B MXN

PP Prudential plc PUKN · MX
Price545.00 MXN
Fair Value722.72 MXN
Upside+32.6%
Quality63/100
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Weak Growth
Highly profitable · 27.6% net margin
Low debt · generates free cash flow
Wide moat 74/100
Evidence: High Range 542.13 MXN – 903.49 MXN Share as image

Fair value as of: Jul 15, 2026

From 6 valuation models · updated 26 days ago

Fair value updated Jul 15, 2026, revised from 724.12 MXN to 722.72 MXN (−0.2%) since Jun 26, 2026.

A solid business, screening 33% undervalued on our models.

What matters now

  • Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

862.10 MXN 438.89 MXN Fair Value 722.72 MXN Apr 2021 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range 438.89 MXN – 862.10 MXN · fair‑value band 542.13 MXN – 903.49 MXN · the 545.00 MXN price screens below the 722.72 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

Prudential plc (PUKN) currently trades at 545.00 MXN, while our model-based Fair Value estimate is 722.72 MXN, implying the stock looks roughly 32.6% undervalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Prudential plc generated revenue of 14.4B MXN at a net margin of 27.6%. Revenue grew 18.8% year over year. It earns a return on equity of 20.6%. Net debt stands at 1.1B MXN. Fundamentals as of Jul 15, 2026

Our scenario range runs from 542.13 MXN (bear case) to 903.49 MXN (bull case); at 545.00 MXN, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 24% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 1% fair-value upside, at 33%, PUKN screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Residual Income 22.30 MXN 30.69 MXN 156.48 MXN 76
Gordon GGM 4.58 MXN 10.00 MXN 16.83 MXN 70
P/E Multiple 31.10 MXN 41.46 MXN 51.83 MXN 63
All 6 models by family
Dividend Discount
Gordon GGM 4.58 MXN 10.00 MXN 16.83 MXN 70
DDM Multi-Stage 4.58 MXN 8.19 MXN 10.42 MXN 61
Multiples
P/E Multiple 31.10 MXN 41.46 MXN 51.83 MXN 63
P/B Multiple 16.94 MXN 22.58 MXN 28.23 MXN 55
Asset-Based
NCAV (Graham) 8.06 MXN 10.81 MXN 16.13 MXN 50
Economic Profit
Residual Income 22.30 MXN 30.69 MXN 156.48 MXN 76

Widest divergence: Economic Profit (30.69 MXN) versus Dividend Discount (8.19 MXN). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 14.4B MXN
Revenue growth (YoY) +18.8%
Net margin 27.6%
Return on equity 20.6%
Free cash flow 2.3B MXN FY2025
P/E ratio 11.9
More key figures
Operating margin 45.5%
EPS (TTM) 45.94 MXN
Dividend yield 0.1%
EPS growth (YoY) +30.8%
Net debt 1.1B MXN FY2025

Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 63/100

Of which business quality 48 · Market factors (momentum, volatility) 66

Profitability 34
Margins and returns on capital today
Quality Growth 57
Are margins and returns improving?
Cashflow 48
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 76
Disciplined investing over empire-building
Low Volatility 85
Calm price path (market factor)
Momentum 47
Price trend over the last 3–12 months (market factor)
52W Momentum 77
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Prudential plc, through its subsidiaries, provides life and health insurance, and asset management solutions to individuals in Asia and Africa. It offers savings and investments products; and wealth, health, and protection products. The company was founded in 1848 and is headquartered in Central, Hong Kong.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Prudential plc reported revenue of 27.4B MXN in FY2025 versus 26.5B MXN in FY2021, a compound +0.8%/yr. Reported net income was 4.0B MXN in FY2025.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
27.4B MXN
Latest YoY
+69.0%
Avg. growth/yr (5Y)
−13.3%
Avg. growth/yr (12Y)
−5.3%
Revenue +0.8%/yr
FY21 26.5B MXN
FY22 −8.2B MXN
FY23 19.1B MXN
FY24 16.2B MXN
FY25 27.4B MXN
Net income
FY21 −2.0B MXN
FY22 998M MXN
FY23 1.7B MXN
FY24 2.3B MXN
FY25 4.0B MXN

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Cite: Fair Value Calculator (2026). "Prudential plc Fair Value". https://www.fairvalue-calculator.com/stock/PUKN

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

Stock Price Fair Value vs Fair Value
China Life Insurance Company 601628 ¥38.72 ¥70.87 +83%
Ping An Insurance (Group) Company 601318 ¥49.60 ¥96.76 +95%
AIA Group 1299 HK$75.55 HK$7.88 -90%
Manulife Financial Corporation MFC C$58.52 C$45.13 -23%
Great-West Lifeco Inc GWO C$92.34 C$59.64 -35%
Life Insurance Corporation LICI ₹438.30 ₹590.43 +35%
Fubon Financial Holding 2881 124.50 TWD 115.05 TWD -8%
Cathay Financial Holding 2882 94.00 TWD 94.95 TWD +1%
Samsung Life Insurance Co 032830 337,500 KRW 166,710 KRW -51%
China Pacific Insurance (Group) Co 601601 ¥29.75 ¥59.50 +100%

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Frequently asked questions

Is Prudential plc (PUKN) overvalued or undervalued?
As of Jul 15, 2026, our model estimates a fair value of 722.72 MXN versus a price of 545.00 MXN, about +33% (undervalued).
What is the fair value of PUKN?
Our model-based fair value for Prudential plc is 722.72 MXN (as of Jul 15, 2026), built from audited fundamentals. The current price is 545.00 MXN.
What is the quality score of PUKN?
Prudential plc has a Quality Score of 63/100. 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 revenue of Prudential plc (PUKN)?
Prudential plc reported trailing-twelve-month revenue of about 14.4B MXN (latest available figure, as of Jul 15, 2026).
What is the net profit margin of PUKN?
The net profit margin of Prudential plc is about 27.6%, meaning it keeps roughly 27.6% of revenue as net income. Based on the latest reported figures.
Does Prudential plc pay a dividend?
Prudential plc currently shows a dividend yield of about 0.05% relative to its recent price (as of Jul 15, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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