US · PRH
Prudential Financial, Inc. 5.95
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Newark, NJ 07102
- Website
- prudential.com
Price · as of 2025-12-31
$23.96
Market cap 8.6B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $68.01 | +183.85% |
| Intrinsic Value(DCF) | $9.91 | -58.64% |
| Graham-Dodd Method(GD) | $60.91 | +154.22% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | $116.27 | $63.32 | |||
| 2016 | $107.53 | $108.39 | |||
| 2017 | $170.47 | $175.75 | |||
| 2018 | $107.92 | $130.03 | |||
| 2019 | $139.37 | $111.77 | |||
| 2020 | $91.03 | $3.16 | |||
| 2021 | $199.38 | $725.12 | |||
| 2022 | $21.13 | $65.22 | $0.00 | $0.00 | $82.15 |
| 2023 | $22.87 | $100.28 | $186.77 | $31.15 | $47.06 |
| 2024 | $23.53 | $114.27 | $0.00 | $33.81 | $283.83 |
| 2025 | $24.78 | $68.01 | $0.00 | $60.91 | $0.00 |
AI valuation
Our deep-learning model estimates Prudential Financial, Inc. 5.95's (PRH) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $68.01
- Current price
- $23.96
- AI upside
- +183.85%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$9.91
-58.64% upside
Graham-Dodd
$60.91
+154.22% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PRH | Prudential Financial, Inc… | $23.96 | 8.6B | +184% | -59% | +154% | — | 3.79 | 0.27 | 0.14 | 0.43 | 11.59 | 0.27 | 42.04% | 7.87% | 5.88% | 7.64% | 9.96% | 0.31% | 0.63 | 2.27 | 11.47 | 15.17 | 0.09 | 3267.00% | -1368.00% | -2624.00% | 71.92% | 3.64 | 16.73% | 22.09% | 83.60% | 51.14% | 0.60 | 0.46 | 0.05 | 0.20 |
| CFG | Citizens Financial Group,… | $60.19 | 25.85B | -7% | -14% | -46% | — | 14.39 | 1.00 | 2.36 | -4.36 | 52.54 | 1.46 | 69.75% | 20.88% | 16.42% | 7.24% | -19.29% | 0.83% | 0.43 | 0.61 | 1.04 | 1.04 | -0.54 | 2739.00% | -971.00% | 841.00% | 7.73% | 0.01 | -21.46% | 3.37% | 48.50% | 17.07% | -5.05 | -5.77 | -1.05 | 0.27 |
| GL | Globe Life Inc. | $145.26 | 11.56B | -4% | -15% | -4% | +16% | 10.19 | 1.98 | 1.97 | 8.79 | 57.38 | 2.16 | 33.40% | 24.38% | 19.36% | 20.59% | -193.46% | 3.88% | 0.44 | 10.36 | 4.03 | 4.03 | 1.56 | 1776.00% | 382.00% | -582.00% | 10.60% | 4.58 | -205.63% | 0.00% | 0.00% | 0.79% | 9.57 | 11.16 | 2.33 | 1.06 |
| JXN | Jackson Financial Inc. | $109.48 | 7.44B | +18% | -59% | -12% | -58% | — | 0.79 | 1.17 | -297.35 | — | 0.79 | 85.47% | -1.71% | 0.40% | 0.00% | 0.39% | 0.00% | 0.20 | -1.14 | 0.38 | 0.38 | 262.43 | -10204.00% | 11614.00% | -60.00% | 73.47% | 0.38 | -48.72% | 2.85% | — | 66.05% | -36.52 | 0.72 | 0.62 | 0.03 |
| KNSL | Kinsale Capital Group, In… | $389.67 | 9.07B | -22% | +195% | -53% | +42% | 18.20 | 4.68 | 4.89 | 14.17 | 83.63 | 4.69 | 52.47% | 33.85% | 26.87% | 29.25% | 57.06% | 9.54% | 0.11 | 59.58 | 0.35 | 0.36 | 0.09 | 2177.00% | 1804.00% | 396.00% | 10.80% | 1.28 | 112.18% | 0.17% | 3.10% | 1.26% | 14.54 | 9.32 | 4.92 | 2.50 |
| LNC | Lincoln National Corporat… | $34.30 | 6.52B | +94% | -60% | +50% | +74% | 5.35 | 0.58 | 0.35 | 1.96 | — | 0.65 | 57.34% | 7.35% | 6.46% | 12.28% | -53.22% | 0.29% | 0.57 | 5.89 | — | — | -2.07 | -6828.00% | 124.00% | -9168.00% | -2.65% | — | 7.55% | 6.60% | 35.30% | 66.74% | 2.29 | -18.36 | 0.17 | 0.12 |
| ONB | Old National Bancorp | $23.10 | 9.03B | +172% | +188% | -38% | +142% | 13.65 | 1.08 | 2.46 | 15.09 | 208.45 | 1.63 | 63.60% | 23.56% | 18.04% | 9.02% | 8.09% | 1.06% | 0.88 | 0.72 | 0.89 | 0.88 | 7.01 | 655.00% | 2548.00% | 767.00% | 6.98% | 0.01 | 7.42% | 2.46% | 33.60% | 3.25% | 16.88 | 23.16 | 3.98 | 0.07 |
| PRI | Primerica, Inc. | $253.66 | 8.1B | +2% | -37% | -25% | +12% | 11.22 | 3.45 | 2.61 | 6.28 | 16.72 | 3.51 | 80.52% | 30.21% | 23.29% | 31.93% | 53.22% | 5.08% | 0.76 | 40.68 | — | — | 1.11 | 6710.00% | 443.00% | 820.00% | 10.69% | — | 63.84% | 0.00% | 0.00% | 1.81% | 6.44 | 6.96 | 1.95 | 1.38 |
| UWMC | UWM Holdings Corporation | $4.41 | 685.96M | +794% | +7,737% | — | +109% | 3.75 | 4.59 | 0.29 | 21.72 | — | -0.24 | 85.62% | 57.99% | 0.87% | 135.18% | 11.95% | 1.50% | 88.97 | 3.45 | 0.35 | 0.35 | 20.74 | -769.00% | 6583.00% | -5785.00% | -289.23% | -0.82 | -17.74% | 8.59% | 32.20% | 8.59% | 9.86 | -6.82 | 5.71 | 0.45 |
| WTFC | Wintrust Financial Corpor… | $144.06 | 9.65B | -37% | +5% | -17% | +23% | 11.92 | 1.35 | 2.32 | 6.30 | 98.35 | 1.54 | 62.19% | 26.44% | 19.48% | 12.11% | 24.04% | 1.21% | 0.62 | 0.74 | 0.14 | 0.14 | 3.33 | 1212.00% | 666.00% | 3421.00% | 8.68% | 0.02 | 24.88% | 1.72% | 20.60% | 5.92% | 6.80 | 8.91 | 1.80 | -0.41 |
About Prudential Financial, Inc. 5.95
Prudential Financial, Inc. engages in the provision of insurance, investment management, and other financial products and services to both individual and institutional customers. It operates through the following segments: PGIM, U.S. Businesses, International Businesses, Closed Block, and Corporate and Others. The PGIM segment provides 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 globally, as well as the Company’s general account. The U.S. Businesses segment offers a range of products and solutions that cover protection, retirement, savings, income and investment needs. The U.S. Businesses are organized into five segments: Retirement, Group Insurance, Individual Annuities, Individual Life and Assurance IQ. The Retirement segment provides retirement investment and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors. The Group Insurance segment provides group life, long-term and short-term group disability, and group corporate bank, and trust-owned life insurance in the U.S., primarily to institutional clients for use in connection with employee plans and affinity groups. The Individual Annuities segment develops and distributes individual variable and fixed annuity products, primarily to the U.S. mass affluent and affluent markets. The Individual Life segment develops and distributes individual variable life, term life and universal life insurance products primarily to the U.S. mass middle, mass affluent and affluent markets. The Assurance IQ segment leverages data science and technology to primarily distribute third-party products and a proprietary term life product directly to retail shoppers, primarily through its digital and agent channels. The International Businesses segment develops and distributes life insurance, retirement, and related products to the mass affluent and affluent markets in Japan, Korea, and other foreign countries through its Life Planner operations. The Closed Block segment includes certain in force participating insurance and annuity products and corresponding assets that are used for the payment of benefits, expenses and policyholders’ dividends related to these products. The Corporate and Other Operations segment include corporate items and initiatives that are not allocated to business segments. The company was founded by John Fairfield Dryden in 1875 and is headquartered in Newark, NJ.
- CEO
- Charles Frederick Lowrey
- Employees
- 39.85K
- Beta
- 0.31
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($9.91 ÷ $23.96) − 1 = -58.64% (DCF, example).