Does PRU pay a dividend and is it safe?

Prudential Financial Inc. (PRU) offers a 4.78% cash dividend yield ($5.57 annualized) and 6.58% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Financials / PRU / dividends

SLF (64) PUK (50) MET (71) MFC (62) ⌘ Pro Terminal →

Prudential Financial Inc. (PRU) Dividend Safety Gauge & 10-Year DRIP Compounder

$116.45 -0.36% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $116.15

Prudential Financial Inc. (PRU) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $40.18B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PRU Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PRU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-03, Prudential Financial Inc. (NYSE: PRU) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $116.45 (-0.36% 1D, market cap $40.18B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, PRU ranks #163 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PRU compare to SLF and PUK in the Financials sector?

▼

Within the Financials sector (Life Insurance), PRU carries a Roarable C+ (67/100 RQD), trailing P/E of 11.3x, gross margin of —, and ROIC of 10.9%. By comparison, SLF (Sun Life Financial Inc.) holds a C grade (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $45.06B) and PUK (Prudential Public Limited Company) posts a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $30.87B). Among the 5-stock peer group, PRU leads on earnings multiple (11.3x) while PRU leads on capital efficiency (10.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PRU?

▼

Per PRU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001137774), Prudential Financial Inc. generated $60.77B in revenue (-13.7% YoY), $3.58B in net income, and $3.54B in free cash flow against $773.74B in total assets and $18.86B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $116.16 (-0.25%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 5.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PRU)Realized 20D OHLCV Swing Band: ±3.9%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY PRU SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (52) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$113.49+1.2% Next Q

Q2 (-2Q)

Grade C+$114.82+0.5% Next Q

Q3 (-1Q)

Grade C+$115.37+0.9% Next Q

Current

Grade C+$116.45+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PRU Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, PRU faces multiple-compression risk if 11.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($116.70) or 200D SMA ($108.67) invalidates the momentum regime and cuts Target Base ($121.17) toward Bear Floor ($94.51).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PRU• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PRU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

6.58% Total Yield

4.78% Cash ($5.57/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

35.4% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (10.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $26,174

Est. Year-10 Shareholder Yield: $1,722/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.0K

Yr 1

$12.1K

Yr 2

$13.3K

Yr 3

$14.7K

Yr 4

$16.2K

Yr 5

$17.8K

Yr 6

$19.6K

Yr 7

$21.6K

Yr 8

$23.8K

Yr 9

$26.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in PRU & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on PRU and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PRU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.25%⚡ TESTING RESISTANCE

2026-11-03O $116.9H $116.9L $116.5C $116.5VOL 2.07M

RES: $116.7SUP: $113.5SMA50: $116.7SMA200: $108.7

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PRU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PRU Butterfly Map → + Track PRU →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

1.3%/yr Implied 5Y Growth

vs. -13.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PRU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PRU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PRU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PRU)

Financials Rank #163 of 1097 ⚔️ SLF vs PRU Full Matrix →

1. Head-to-Head Financials Peer Comparison (PRU vs. SLF, PUK, MET, MFC)

Industry: Life Insurance (18 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Prudential Financial Inc. (PRU) ranks #163 by composite RQD confidence (67/100, grade C+) and #74 by equity capitalization ($40.18B). Within this direct 5-issuer industry benchmark cohort, PRU leads on earnings valuation at 11.3x trailing P/E, while PRU leads on capital efficiency and profitability with 10.9% ROIC and — gross margin. MET currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with PRU at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PRU ACTIVE Prudential Financial Inc.	C+	67/100	11.3x	—	10.9%	-0.36%	$40.18B	Benchmark Subject
SLF Sun Life Financial Inc.	C	64/100	32.8x	—	9.9%	-1.10%	$45.06B	/slf-vs-pru →
PUK Prudential Public Limited Company	D	50/100	32.8x	—	9.9%	+1.27%	$30.87B	/puk-vs-pru →
MET MetLife Inc.	B-	71/100	20.2x	—	1.6%	-0.80%	$63.56B	/met-vs-pru →
MFC Manulife Financial Corporation	C	62/100	32.8x	—	9.9%	-1.37%	$74.48B	/mfc-vs-pru →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001137774 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Prudential Financial Inc. (PRU) reported GAAP revenue of $60.77B (-13.7% vs. FY2024 revenue of $70.41B , and +12.6% cumulative change since FY2023) , GAAP net income of $3.58B, operating cash flow of $6.27B, and free cash flow of $3.54B (-33.7% YoY). On the balance sheet, PRU closed FY2025 with $773.74B in total assets against $18.86B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$60.77B	$3.58B	$6.27B	$3.54B	$773.74B	$18.86B
FY2024 (FY)	2024-12-31	$70.41B	$2.73B	$8.50B	$5.33B	$735.59B	$19.19B
FY2023 (FY)	2023-12-31	$53.98B	$2.49B	$6.51B	$4.08B	$64.77B	$15.16B

3. PRU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PRU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PRU compare to SLF and PUK in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PRU?

Where is PRU trading relative to its 50-day, 200-day, and 52-week technical levels?

PRU last traded at $116.45 (-0.36% on volume of 2,071,824 shares), positioning the stock -0.21% below its 50-day simple moving average ($116.70) and +7.16% above its 200-day simple moving average ($108.67). Across its 52-week range of $91.89 to $127.72, PRU sits at the 68.5% percentile with a 14-day RSI of 52.0 (NEUTRAL RANGE) and an implied next-earnings move of ±3.9% ($111.91 to $120.99).

Direct Sub-Reports: PRU RQD Cockpit PRU 12M Forecast PRU Earnings & Move PRU Dividends & DRIP PRU Insiders & 13F PRU Whale Options PRU Profit Sankey PRU News & Why

ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ SEC XBRL & RQD VERIFIED

PRU — Prudential Financial Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Prudential Financial Inc. (PRU) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $116.45 (-0.36% 1D, market capitalization $40.18B).

Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 10.9%, gross margin of —, operating margin of 7.2%, and free cash flow yield of 8.77%.
Whale 13F & Options Flow (12/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 1.01x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Prudential Financial Inc. (PRU) is a NYSE-listed issuer in the Financials sector, operating in the Life Insurance industry..3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Prudential Financial Inc. (PRU) reported $60.77B in annual revenue (up from $70.41B in FY2024, -13.7% YoY) and $3.58B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($53.98B revenue, $2.49B net income) through FY2025, PRU scaled operating cash flow to $6.27B and free cash flow to $3.54B, backed by $773.74B in total assets against $18.86B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C+ • RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $91.89 – $127.72 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 11.3x trailing P/E and 5.9x EV/EBITDA against 7.2% operating margins and a 1.01x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Life Insurance (Financials), PRU carries a macro regime beta of 1.01 and gross margin of —.

Key Question #1: Can PRU sustain or expand its 7.2% operating margin and 10.9% ROIC against Life Insurance peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $60.77B and free cash flow of $3.54B, how will capital allocation balance growth reinvestment against $18.86B in total debt?
Key Question #3: How sensitive is PRU's 10.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.01x)?

PRU Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Prudential Financial Inc. (PRU) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PRU Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 22h ago

Prudential Financial (PRU) Stock May Be Undervalued Despite Fresh Japan Reinsurance News

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Prudential Financial, Inc. (PRU) Discusses Japan Business Update Following FSA Orders, Remediation Steps, and Path Forward - Slideshow (NYSE:PRU) 2026-10-09

Seeking Alpha report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE StockInvest.us • 1d ago

Prudential Financial Stock Price Forecast. Should You Buy PRU?

StockInvest.us report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Is Prudential Financial (PRU) A Bargain On Rising Analyst Confidence?

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Prudential still sees ~$1B impact on pretax adjusted operating income from POJ suspension (PRU:NYSE)

Seeking Alpha report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Prudential Financial (PRU) Stock Could Be Cheap Following Its 46% Three Year Run

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Yahoo Finance • 1d ago

Prudential (LSE:PRU) Stock Looks Undervalued After A 32% Five Year Fall

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Prudential Financial (PRU) After The SoFi Tie Up Looks Fully Valued

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PRU Bull vs. Bear Conversation Board — What's Your Call at $116.45?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PRU 🐻 33% BEARISH CONVICTION

BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $139.74 (+20.0%)

📌 Pinned Debate

Insider conviction scores 17/20 and the stock trades at 11.3x TTM earnings with a 4.78% dividend yield.

Long PRU at $116.45 targeting $139.74. Insider conviction scores 17/20 and the stock trades at 11.3x TTM earnings with a 4.78% dividend yield.. Institutional whale score is 12/20 and the risk/reward vs. the $91.89 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@BreakoutHunter Agree on the RQD 67/100 quality, though with 1.01 beta I'm scaling in with half-size at $116.45 and keeping dry powder in case we test $108.30.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $88.50 (-24.0%)

Spot @ $116.45

Revenue fell from $70.41B in FY 2024 to $60.77B in FY 2025 and a roughly $1B POJ impact is still expected.

Fading this rally in PRU at $116.45. Revenue fell from $70.41B in FY 2024 to $60.77B in FY 2025 and a roughly $1B POJ impact is still expected.. With a beta of 1.01 and the stock sitting at $116.45 (52-wk range $91.89–$127.72), the easy multiple expansion is already priced in.