Financial Ratios Prudential Financial, Inc.

Stocks

PRU

US7443201022

Life & Health Insurance

Market Closed - NYSE 16:00:02 2026-09-18 EDT			5-day change	1st Jan Change
118.40 ^USD	+0.40%		-0.70%	+4.89%

09-18	Sector Update: Financial Stocks Mixed Late Afternoon	MT
09-18	Prudential Financial Agrees to Sell Entire Alexforbes Stake for $185 Million	MT

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Published financial data: PRUDENTIAL FINANCIAL, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Premiums and Annuity Revenues	40.77B	43.59B	31.89B	47.2B	35.46B
Total Interest And Dividend Income	18.29B	16.04B	17.86B	19.91B	21.47B
Asset Management Fee	4.9B	4.06B	3.72B	4.09B	4.02B
Gain (Loss) on Sale of Investments, Total (Rev)	4.62B	-4.28B	-3.62B	-2.75B	-2.31B
Other Revenues, Total	2.3B	-1.03B	4.12B	1.96B	2.59B
Total Revenues	70.87B	58.38B	53.98B	70.4B	61.23B
Policy Benefits	44.81B	46B	36.32B	52.36B	41.47B
Policy Acquisition / Underwriting Costs, Total	2.1B	2.43B	1.46B	1.49B	1.64B
Selling General & Admin Expenses, Total	13.58B	12.48B	12.72B	13.34B	13.01B
Total Operating Expenses	60.49B	60.92B	50.5B	67.2B	56.12B
Operating Income	10.38B	-2.54B	3.48B	3.21B	5.12B
Interest Expense, Total	-	-	-	-	-
Income (Loss) on Equity Invest.	87M	-56M	49M	144M	129M
Currency Exchange Gains (Loss)	63M	-	-	-	-459M
EBT, Excl. Unusual Items	10.53B	-2.59B	3.53B	3.35B	4.78B
Restructuring Charges	-1M	-8M	-230M	-1M	-
Impairment of Goodwill	-1.06B	-903M	-177M	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	1.67B	-	-	-
EBT, Incl. Unusual Items	9.47B	-1.83B	3.12B	3.35B	4.78B
Income Tax Expense	1.67B	-370M	613M	507M	1.05B
Earnings From Continuing Operations	7.79B	-1.46B	2.51B	2.85B	3.73B
Net Income to Company	7.79B	-1.46B	2.51B	2.85B	3.73B
Minority Interest	-70M	24M	-20M	-119M	-156M
Net Income - (IS)	7.72B	-1.44B	2.49B	2.73B	3.58B
Preferred Dividend and Other Adjustments	115M	25M	29M	32M	41M
Net Income to Common Incl Extra Items	7.61B	-1.46B	2.46B	2.7B	3.54B
Net Income to Common Excl. Extra Items	7.61B	-1.46B	2.46B	2.7B	3.54B
Per Share Items
Net EPS - Basic	19.65	-3.93	6.76	7.54	10.05
Basic EPS - Continuing Operations	19.65	-3.93	6.76	7.54	10.05
Basic Weighted Average Shares Outstanding	387M	372M	364M	358M	352M
Net EPS - Diluted	19.51	-3.93	6.74	7.5	9.99
Diluted EPS - Continuing Operations	19.51	-3.93	6.74	7.5	9.99
Diluted Weighted Average Shares Outstanding	390M	372M	365M	359M	354M
Normalized Basic EPS	16.81	-4.29	6.01	5.53	8.06
Normalized Diluted EPS	16.69	-4.29	5.99	5.5	8.01
Dividend Per Share	4.6	4.8	5	5.2	5.4
Payout Ratio	23.49	-126.36	74.2	69.34	53.86
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
EBITDA	10.58B	-2.41B	3.48B	3.59B	5.24B
EBITA	10.49B	-2.43B	3.57B	3.29B	5.19B
EBIT	10.38B	-2.54B	3.48B	3.21B	5.12B
EBITDAR	10.83B	-2.2B	-	-	5.43B
Total Revenues (As Reported)	70.93B	60.05B	53.98B	70.4B	60.77B
Effective Tax Rate - (Ratio)	17.68	20.2	19.64	15.12	22.01
Current Domestic Taxes	1.12B	229M	21M	530M	76M
Current Foreign Taxes	770M	480M	667M	755M	579M
Total Current Taxes	1.89B	709M	688M	1.28B	655M
Deferred Domestic Taxes	15M	-679M	323M	-546M	-123M
Deferred Foreign Taxes	-229M	-400M	-398M	-232M	521M
Total Deferred Taxes	-214M	-1.08B	-75M	-778M	398M
Normalized Net Income	6.51B	-1.6B	2.18B	1.98B	2.83B
Non-Cash Pension Expense	-211M	-270M	-279M	-323M	-351M
Supplemental Operating Expense Items
General and Administrative Expenses	13.33B	12.27B	12.72B	13.34B	12.82B
Net Rental Expense, Total	249M	213M	-	-	191M
Imputed Operating Lease Interest Expense	-	-	-	-	-
Imputed Operating Lease Depreciation	-	-	-	-	-
Stock-Based Comp., Other (Total)	284M	220M	257M	314M	257M
Total Stock-Based Compensation	284M	220M	257M	314M	257M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Investment In Debt Securities	375B	310B	317B	312B	332B
Investment In Equity and Preferred Securities, Total	24.85B	25.28B	26.85B	30.89B	33.68B
Trading Asset Securities, Total	8.82B	5.95B	9.79B	12.53B	14.87B
Real Estate Owned	1.79B	1.62B	1.79B	1.74B	1.89B
Mortgage Loans	58.04B	56.18B	58.76B	61.32B	64B
Policy Loans	10.39B	10.05B	10.05B	9.8B	9.96B
Total Other Investments	9.9B	7.91B	9.05B	14.58B	12.8B
Total investments	488B	417B	433B	443B	469B
Cash And Equivalents	12.89B	17.25B	19.42B	18.5B	19.71B
Reinsurance Recoverable - (IS)	-	8.88B	27.31B	37.68B	44.08B
Other Receivables - (Insurance Template)	3.48B	7.8B	4.78B	5.32B	4.63B
Deferred Policy Acquisition Costs - (BS)	18.19B	19.54B	20.86B	20.45B	21.53B
Separate Account Assets	246B	198B	199B	193B	196B
Net Property Plant And Equipment	-	340M	-	373M	366M
Goodwill	1.8B	876M	1.07B	1.05B	1.09B
Other Intangibles, Total	-	205M	222M	128M	122M
Restricted Cash	-	48M	44M	23M	37M
Other Current Assets, Total	157B	1.46B	1.1B	1.6B	1.67B
Deferred Charges Long-Term	-	366M	-	-	-
Other Long-Term Assets, Total	9.71B	18.88B	14.35B	14.14B	15.09B
Total Assets	938B	690B	721B	736B	774B
Liabilities
Insurance And Annuity Liabilities	419B	417B	414B	423B	438B
Unpaid Claims	3.2B	3.25B	-	-	-
Reinsurance Payable - (BS)	-	-	15.73B	17.08B	18.67B
Current Portion of Long-Term Debt	197M	328M	83M	432M	569M
Current Portion of Leases	129M	116M	110M	95M	92M
Short-Term Borrowings	14.96B	13.14B	13.07B	16.94B	19.17B
Long-Term Debt	18.9B	20.28B	20.26B	20.62B	24.14B
Long-Term Leases	303M	254M	201M	313M	316M
Separate Account Liability	246B	198B	199B	193B	196B
Current Income Taxes Payable	9.51B	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	154B	3.06B	17.4B	21.95B	29.81B
Pension & Other Post Retirement Benefits	2.99B	2.36B	2.06B	1.86B	1.9B
Other Non Current Liabilities	6.06B	14.75B	9.52B	9.66B	9.17B
Total Liabilities	875B	673B	691B	705B	738B
Common Stock, Total	6M	6M	6M	6M	6M
Additional Paid In Capital	25.73B	25.75B	25.75B	25.9B	26.01B
Retained Earnings	36.65B	33.39B	32.35B	33.19B	34.83B
Treasury Stock	-21.84B	-23.07B	-23.78B	-24.51B	-25.34B
Comprehensive Income and Other	21.32B	-19.83B	-6.5B	-6.71B	-3.08B
Total Common Equity	61.88B	16.25B	27.82B	27.87B	32.44B
Minority Interest	732M	958M	1.97B	2.25B	3.14B
Total Equity	62.61B	17.21B	29.79B	30.13B	35.58B
Total Liabilities And Equity	938B	690B	721B	736B	774B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	376M	366M	359M	354M	348M
ECS Total Common Shares Outstanding	376M	366M	359M	355M	348M
Book Value / Share	164.44	44.4	77.45	78.61	93.23
Tangible Book Value	60.07B	15.17B	26.53B	26.69B	31.23B
Tangible Book Value Per Share	159.64	41.45	73.85	75.28	89.74
Total Debt	34.49B	34.12B	33.72B	38.4B	44.29B
Net Debt	21.6B	16.86B	14.3B	19.9B	24.58B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-455M	-1.42B	-1.41B	-1.66B	-1.69B
Debt Equivalent Oper. Leases	1.99B	1.7B	-	-	1.53B
Minority Interest, Total (Incl. Fin. Div)	732M	958M	1.97B	2.25B	3.14B
Equity Method Investments, Total	11.68B	14.41B	14.67B	17.2B	17.53B
Account Code - Inventory Valuation	3	3	3	3	3
Full Time Employees	40.92K	39.58K	40.37K	37.94K	36.61K

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	7.72B	-1.44B	2.49B	2.73B	3.58B
Depreciation, Depletion & Amortization	94M	20M	-159M	303M	55M
Amortization of Goodwill and Intangible Assets - (CF)	110M	104M	89M	80M	73M
Total Depreciation, Depletion & Amortization	204M	124M	-70M	383M	128M
(Gain) Loss on Sale of Investments - (CF)	-3.72B	4.5B	3.11B	2.83B	3.48B
Total Asset Writedown	1.06B	903M	177M	-	-
Deferred Policy Acquisition Costs - (CF)	-451M	232M	-869M	-1.11B	-1.22B
Change in Trading Asset Securities	-	-	-	-	-
Change In Income Taxes	-62M	-1.68B	-442M	-146M	-493M
Change in insurance Reserves / Liabilities	7.76B	6.57B	5.49B	4.8B	3.49B
Change in Other Net Operating Assets (Collected)	-3.95B	-3.81B	-5.14B	-3.96B	-6.37B
Other Operating Activities	1.25B	-240M	1.76B	2.97B	3.67B
Cash from Operations	9.81B	5.16B	6.51B	8.5B	6.27B
Cash Acquisitions	-	-	-	-	-
Divestitures	132M	422M	-	-	-
Investment in Marketable and Equity Securities, Total	-2.65B	-6.26B	-8B	-24.54B	-23.94B
Net (Increase) Decrease in Loans Originated / Sold - Investing	736M	573M	-2.11B	-3.3B	-1.57B
Other Investing Activities, Total	-3.56B	-2.37B	-2B	-746M	-382M
Cash from Investing	-5.34B	-7.64B	-12.12B	-28.58B	-25.89B
Short Term Debt Issued, Total	339M	-	10M	3.88B	2.33B
Long-Term Debt Issued, Total	268M	2.84B	2.08B	2.86B	2.76B
Total Debt Issued	607M	2.84B	2.09B	6.74B	5.09B
Short Term Debt Repaid, Total	-	-1.76B	-156M	-583M	-
Long-Term Debt Repaid, Total	-1.71B	-1.18B	-2.32B	-1.43B	-1.98B
Total Debt Repaid	-1.71B	-2.94B	-2.47B	-2.01B	-1.98B
Issuance of Common Stock	200M	163M	126M	201M	109M
Repurchase of Common Stock	-2.5B	-1.49B	-1.01B	-1B	-1B
Common Dividends Paid	-1.81B	-1.82B	-1.85B	-1.89B	-1.93B
Common & Preferred Stock Dividends Paid	-1.81B	-1.82B	-1.85B	-1.89B	-1.93B
Annuity Receipts	31.8B	30.09B	28.52B	35.91B	39.89B
Annuity Payments	-29.23B	-24.15B	-18.31B	-19.39B	-20.25B
Other Financing Activities, Total	-364M	2.23B	645M	830M	848M
Cash from Financing	-3.01B	4.93B	7.74B	19.39B	20.77B
Foreign Exchange Rate Adjustments	-309M	-159M	37M	-254M	77M
Miscellaneous Cash Flow Adjustments	-2.07B	2.07B	-	-	-
Net Change in Cash	-921M	4.36B	2.16B	-943M	1.23B
Supplemental Items
Cash Interest Paid	1.45B	1.45B	1.56B	2B	1.91B
Cash Income Tax Paid (Refund)	1.67B	1.09B	895M	756M	1.4B
Net Debt Issued / Repaid	-1.1B	-96M	-388M	4.73B	3.1B
Levered Free Cash Flow	-14.29B	-4.06B	2.75B	-863M	12.62B
Unlevered Free Cash Flow	-14.29B	-4.06B	2.75B	-863M	12.62B
Change In Net Working Capital	21.26B	2.82B	-387M	3.57B	-9.04B

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	0.69	-0.19	0.31	0.28	0.42
Return on Total Capital	6.45	-2.14	3.36	3.04	4.23
Return On Equity %	11.92	-3.66	8.13	9.49	11.36
Return on Common Equity	11.77	-3.75	8.42	9.68	11.72
Margin Analysis
Gross Profit Margin %	33.81	17.04	30.01	23.51	29.6
SG&A Margin	19.16	21.39	23.57	18.95	21.25
EBITDA Margin %	14.93	-4.13	6.45	5.1	8.56
EBITA Margin %	14.8	-4.17	6.61	4.67	8.47
EBIT Margin %	14.64	-4.35	6.44	4.56	8.35
Income From Continuing Operations Margin %	11	-2.5	4.65	4.04	6.09
Net Income Margin %	10.9	-2.46	4.61	3.87	5.84
Net Avail. For Common Margin %	10.74	-2.51	4.56	3.83	5.77
Normalized Net Income Margin	9.19	-2.73	4.05	2.81	4.63
Levered Free Cash Flow Margin	-20.16	-6.95	5.09	-1.23	20.61
Unlevered Free Cash Flow Margin	-20.16	-6.95	5.09	-1.23	20.61
Asset Turnover
Asset Turnover	0.08	0.07	0.08	0.1	0.08
Fixed Assets Turnover	-	-	-	213.67	165.72
Short Term Liquidity
Current Ratio	0.99	1.18	1.23	1.15	0.92
Quick Ratio	0.15	0.83	1.09	1.02	0.81
Operating Cash Flow to Current Liabilities	0.05	0.13	0.2	0.21	0.12
Average Days Payable Outstanding	175.14	127.64	10.48	7.45	8.42
Long Term Solvency
Total Debt/Equity	55.08	198.26	113.2	127.45	124.48
Total Debt / Total Capital	35.52	66.47	53.1	56.03	55.45
LT Debt/Equity	30.67	119.34	68.68	69.47	68.74
Long-Term Debt / Total Capital	19.77	40.01	32.21	30.55	30.62
Total Liabilities / Total Assets	93.32	97.51	95.87	95.9	95.4
EBIT / Interest Expense	-	-	-	-	-
EBITDA / Interest Expense	-	-	-	-	-
(EBITDA - Capex) / Interest Expense	-	-	-	-	-
Total Debt / EBITDA	3.18	-15.51	9.13	10.69	8.15
Net Debt / EBITDA	1.99	-7.67	3.87	5.54	4.52
Total Debt / (EBITDA - Capex)	3.18	-15.51	9.13	10.69	8.15
Net Debt / (EBITDA - Capex)	1.99	-7.67	3.87	5.54	4.52
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	24.14	-17.63	-1.11	30.43	-12.77
Gross Profit, 1 Yr. Growth %	75.56	-58.48	74.4	2.17	10.92
EBITDA, 1 Yr. Growth %	5.22K	-122.8	-210.07	3.24	54.93
EBITA, 1 Yr. Growth %	-6.82K	-123.2	-212.38	-7.79	68.39
EBIT, 1 Yr. Growth %	-4.12K	-124.44	-206.1	-7.73	70.44
Earnings From Cont. Operations, 1 Yr. Growth %	-5.44K	-118.76	-249.73	13.48	31.13
Net Income, 1 Yr. Growth %	-2.17K	-118.62	-251.06	9.61	31.13
Normalized Net Income, 1 Yr. Growth %	-1.88K	-124.52	-206.06	-9.51	43.36
Diluted EPS Before Extra, 1 Yr. Growth %	-2.05K	-120.14	-250.08	11.28	33.2
Net Property, Plant and Equip., 1 Yr. Growth %	-	-	-	30.42	-1.88
Total Assets, 1 Yr. Growth %	-0.33	-26.42	4.66	1.99	5.19
Common Equity, 1 Yr. Growth %	-8.23	-73.74	-9.06	0.19	16.38
Tangible Book Value, 1 Yr. Growth %	-6.31	-74.75	-10.11	0.41	17.04
Cash From Operations, 1 Yr. Growth %	17.26	-47.43	26.21	30.6	-26.24
Levered Free Cash Flow, 1 Yr. Growth %	767.74	-71.6	-190.13	-131.39	-1.37K
Unlevered Free Cash Flow, 1 Yr. Growth %	767.74	-71.6	-190.13	-131.39	-1.37K
Dividend Per Share, 1 Yr. Growth %	4.55	4.35	4.17	4	3.85
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	4.57	1.12	-12.92	13.57	6.32
Gross Profit, 2 Yr. CAGR %	13.8	-14.62	-20.2	33.48	5.17
EBITDA, 2 Yr. CAGR %	37.82	248.22	-46.23	6.6	22.93
EBITA, 2 Yr. CAGR %	42.34	294.92	-45.34	1.79	20.77
EBIT, 2 Yr. CAGR %	42.49	213.58	-45.78	-1.06	21.45
Earnings From Cont. Operations, 2 Yr. CAGR %	35.61	216.44	-47.03	30.35	21.99
Net Income, 2 Yr. CAGR %	35.84	96.08	-47.03	28.68	19.89
Normalized Net Income, 2 Yr. CAGR %	42.52	109.01	-45.76	-2.03	17.3
Diluted EPS Before Extra, 2 Yr. CAGR %	38.92	98.24	-45.14	29.23	21.75
Net Property, Plant and Equip., 2 Yr. CAGR %	-	-14.58	-	-	13.12
Total Assets, 2 Yr. CAGR %	2.26	-14.36	-12.3	3.32	3.58
Common Equity, 2 Yr. CAGR %	-0.99	-50.91	-32.95	-4.55	7.98
Tangible Book Value, 2 Yr. CAGR %	0.24	-51.36	-33.55	-4.9	8.39
Cash From Operations, 2 Yr. CAGR %	-29.29	-21.49	-18.55	28.39	-1.85
Levered Free Cash Flow, 2 Yr. CAGR %	28.09	56.98	-54.67	-46.81	114.54
Unlevered Free Cash Flow, 2 Yr. CAGR %	28.09	56.98	-54.67	-46.81	114.54
Dividend Per Share, 2 Yr. CAGR %	7.24	4.45	4.26	4.08	3.92
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	4.01	-3.42	-1.85	-0.37	3.91
Gross Profit, 3 Yr. CAGR %	12.6	-18.68	5.88	-13.35	24.96
EBITDA, 3 Yr. CAGR %	28.43	-24.34	159.57	-33.17	18.36
EBITA, 3 Yr. CAGR %	28.91	-22.25	183.86	-34.93	17.78
EBIT, 3 Yr. CAGR %	29	-20.83	138.02	-35.27	15.98
Earnings From Cont. Operations, 3 Yr. CAGR %	24	-29.87	158.02	-31.71	30.61
Net Income, 3 Yr. CAGR %	23.77	-29.96	88.07	-32.5	29.49
Normalized Net Income, 3 Yr. CAGR %	28.68	-20.73	81.49	-35.67	11.22
Diluted EPS Before Extra, 3 Yr. CAGR %	27.11	-27.01	88.89	-30.56	30.54
Net Property, Plant and Equip., 3 Yr. CAGR %	-	-15.02	-	-	-
Total Assets, 3 Yr. CAGR %	4.78	-8.36	-8.48	-7.77	3.94
Common Equity, 3 Yr. CAGR %	8.37	-36.38	-25.55	-23.34	1.97
Tangible Book Value, 3 Yr. CAGR %	8.01	-36.69	-25.49	-23.69	1.9
Cash From Operations, 3 Yr. CAGR %	-23.2	-35.94	-8.03	-4.66	6.73
Levered Free Cash Flow, 3 Yr. CAGR %	179.66	-22.48	18.63	-59.89	60.55
Unlevered Free Cash Flow, 3 Yr. CAGR %	179.66	-22.48	18.63	-59.89	60.55
Dividend Per Share, 3 Yr. CAGR %	8.51	6.27	4.35	4.17	4
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	3.75	-0.48	-3.04	1.67	1.41
Gross Profit, 5 Yr. CAGR %	6.3	-11.68	-0.7	-2.2	5.84
EBITDA, 5 Yr. CAGR %	7.12	-18.78	-6.98	-8.4	92.37
EBITA, 5 Yr. CAGR %	7.52	-18.23	-6.13	-8.67	101.55
EBIT, 5 Yr. CAGR %	7.63	-17.41	-6.37	-8.89	81.74
Earnings From Cont. Operations, 5 Yr. CAGR %	12.02	-28.77	-9.31	-7.65	91.21
Net Income, 5 Yr. CAGR %	12.08	-28.81	-9.39	-8.21	57.07
Normalized Net Income, 5 Yr. CAGR %	12.92	-16.62	-6.49	-9.21	50.63
Diluted EPS Before Extra, 5 Yr. CAGR %	14.97	-26.12	-6.63	-5.79	58.46
Net Property, Plant and Equip., 5 Yr. CAGR %	-	-	-	-7.61	-4.72
Total Assets, 5 Yr. CAGR %	3.64	-3.68	-2.42	-3.88	-3.83
Common Equity, 5 Yr. CAGR %	6.17	-21.42	-10.56	-15.08	-13.61
Tangible Book Value, 5 Yr. CAGR %	5.98	-22.22	-11.06	-14.89	-13.4
Cash From Operations, 5 Yr. CAGR %	-7.99	-17.46	-21.37	-15.41	-5.61
Levered Free Cash Flow, 5 Yr. CAGR %	-0.6	-31.73	33.3	-37.02	50.28
Unlevered Free Cash Flow, 5 Yr. CAGR %	-1.68	-31.73	33.3	-37.02	50.28
Dividend Per Share, 5 Yr. CAGR %	10.44	9.86	6.79	5.39	4.18