Prudential Financial Inc. (PRU) carries a Roarable Rating of C+ (Hold) with 69/100 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.
As of 2026-11-02, Prudential Financial Inc. (NYSE: PRU) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $116.45 (-0.36% 1D, market cap $40.32B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, PRU ranks #144 in composite RQD confidence.
Within the Financials sector (Life Insurance), PRU carries a Roarable C+ (69/100 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 $45.56B) and PUK (Prudential Public Limited Company) posts a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $30.48B). Among the 5-stock peer group, PRU leads on earnings multiple (11.3x) while PRU leads on capital efficiency (10.9% ROIC).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
Macro rate sensitivity & RSI-14 (53.7) create a -8 pt regime headwind
Even with a 69/100 (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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($116.77) or 200D SMA ($108.63) invalidates the momentum regime and cuts Target Base ($122.21) toward Bear Floor ($95.32).
Prudential Financial Inc. (PRU) slipped -0.36% to $116.45, trading at 69% of its 52-week range ($91.89 – $127.72). Solid steady margins (11% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
StockInvest.us report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Here, we look at four insurance stocks, AIZ, AIG, UNM and PRU, set to report third-quarter earnings on Nov. 3.
Financial services giant Prudential Financial (NYSE:PRU) will be reporting results this Tuesday after market hours. Here’s what to look for.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -13.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PRU today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PRU. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Prudential Financial Inc. (PRU) ranks #144 by composite RQD confidence (69/100, grade C+) and #76 by equity capitalization ($40.32B). 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 72/100 (B) compared with PRU at 69/100 (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+ | 69/100 | 11.3x | — | 10.9% | -0.36% | $40.32B | Benchmark Subject |
| SLF Sun Life Financial Inc. | C | 64/100 | 32.8x | — | 9.9% | -1.10% | $45.56B | /slf-vs-pru → |
| PUK Prudential Public Limited Company | D | 50/100 | 32.8x | — | 9.9% | +1.27% | $30.48B | /puk-vs-pru → |
| MET MetLife Inc. | B | 72/100 | 20.2x | — | 1.6% | -0.80% | $64.08B | /met-vs-pru → |
| MFC Manulife Financial Corporation | C | 64/100 | 32.8x | — | 9.9% | -1.37% | $75.52B | /mfc-vs-pru → |
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 |
As of 2026-11-02, Prudential Financial Inc. (NYSE: PRU) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $116.45 (-0.36% 1D, market cap $40.32B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, PRU ranks #144 in composite RQD confidence.
Within the Financials sector (Life Insurance), PRU carries a Roarable C+ (69/100 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 $45.56B) and PUK (Prudential Public Limited Company) posts a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $30.48B). Among the 5-stock peer group, PRU leads on earnings multiple (11.3x) while PRU leads on capital efficiency (10.9% ROIC).
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.
PRU last traded at $116.45 (-0.36% on volume of 2,071,824 shares), positioning the stock -0.27% below its 50-day simple moving average ($116.77) and +7.20% above its 200-day simple moving average ($108.63). Across its 52-week range of $91.89 to $127.72, PRU sits at the 68.5% percentile with a 14-day RSI of 53.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($111.79 to $121.11).
Why PRU Stock slipped -0.36% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, PRU scores 69 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine 12/20 (ROIC 10.9%; FCF yield 8.77%), Whale 13F Flow 13/20 (institutional accumulation and options positioning), Insider Conviction 17/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit 12/20 (Beta 1.01; sector sensitivity), and Forensic Balance Sheet 15/20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5). The strongest pillar is insider conviction, which is the highest-scoring factor and is the main upside driver in this rating. The Fundamental Cash Engine and Macro Regime Fit pillars score lower, which tempers the case: the cash-generation and beta profile do not add much conviction beyond a neutral stance. Forensic balance-sheet strength is the second-strongest pillar and supports the view that near-term solvency is not the primary concern. For a prospective investor, the rating implies a neutral-to-watchful posture rather than a clear buy or sell signal, with valuation tradeoffs visible in the P/E of 11.3 (TTM) and forward P/E of 10.5 set against the 4.78% dividend yield. This is an analytical framing, not personalized financial advice.
Prudential Financial Inc. (PRU) is a NYSE-listed issuer in the Financials sector, operating in the Life Insurance industry. Per the profile, the company has a market capitalization of $40.3B. The source data does not describe its specific products, customer segments, or revenue model beyond the sector and industry classification.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $60774.0M | $4219.7M | $3576.0M | N/A | $3536.2M | $19712.0M | $18856.0M |
| FY 2024 | $70405.0M | $3217.9M | $2727.0M | N/A | $5333.8M | $18497.0M | $19187.0M |
| FY 2023 | $53979.0M | $2935.8M | $2488.0M | N/A | $4080.9M | N/A | $15157.3M |
Per the SEC financials, net income rose from $2727.0M in FY 2024 to $3576.0M in FY 2025 while revenue fell from $70405.0M to $60774.0M, and FCF declined from $5333.8M to $3536.2M. Market data shows an operating margin of 7.2%, a net margin of 5.9%, and ROIC of 10.9%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 8/9, and Debt/Equity is 0.5. Debt was $18856.0M at FY 2025 against cash of $19712.0M.
Per the recent news and catalysts section, six items are listed, all tagged to PRU. Headlines reference a Japan reinsurance development, a Japan business update following FSA orders and remediation steps, and an item noting that the company still sees a roughly $1B impact on pretax adjusted operating income from a POJ suspension. These are flagged as YELLOW risk watch items in the feed. A CATALYST-tagged GREEN item references analyst confidence. Other items reference a 46% three-year run and a stock-forecast piece. Per the Butterfly Supply-Chain Graph, there are no proprietary signals and no supply-chain links recorded.
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
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
StockInvest.us report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.
Welcome to the PRU (Prudential Financial Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Life Insurance. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on PRU, but look at what you are paying: 11.3x trailing P/E with tightening sector spreads. Unless Prudential Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on PRU, the market is fixating on short-term headline noise in Life Insurance and ignoring the balance sheet and cash flow trajectory. At $116.87 (52-wk range $91.89 - $127.72), any beat on forward guidance forces shorts and underweight funds to chase.
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