PUK Stock Analysis: Prudential | NYSE
Insurance - Life | NYSE, USA | Market Cap: 32.238m USD | 12M Return: -6.4% | US74435K2042 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.7M
Rev. Trend: 92.0%
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Prudential plc is a life and health insurance and asset management provider focused on individuals in Asia and Africa. Its offerings span savings and investments products, alongside wealth, health, and protection solutions. The company was founded in 1848 and is headquartered in Central, Hong Kong, with its shares trading on the NYSE as an ADR under the ticker PUK.
Operating within the Life & Health Insurance sub-industry of the financials sector, Prudentials business model combines insurance underwriting with fee-based asset management, generating revenue from premiums and from the management of invested policyholder funds. Its focus on Asia and Africa targets markets characterized by low insurance penetration and growing middle-class demand for retirement, savings, and health coverage.
- Asia life insurance premium growth drives new business value
- Eastspring asset management AUM expansion boosts fee income
- Hong Kong regulatory shifts reshape product distribution and margins
| Net Income: 3.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.31 > 1.0 |
| NWC/Revenue: 30.49% < 20% (prev 55.97%; Δ -25.48% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.51b > Net Income 3.63b |
| Net Debt (-137.0m) to EBITDA (4.40b): -0.03 < 3 |
| Current Ratio: 5.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.26b) vs 12m ago -7.91% < -2% |
| Gross Margin: 85.48% > 18% (prev 80.80%; Δ 4.68% > 0.5%) |
| Asset Turnover: 14.29% > 50% (prev 8.26%; Δ 6.03% > 0%) |
| Interest Coverage Ratio: 22.99 > 6 (EBIT TTM 4.40b / Interest Expense TTM 191.5m) |
| A: 0.04 (Total Current Assets 11.2b - Total Current Liabilities 2.04b) / Total Assets 224b |
| B: 0.06 (Retained Earnings 14.0b / Total Assets 224b) |
| C: 0.02 (EBIT TTM 4.40b / Avg Total Assets 211b) |
| D: 0.10 (Book Value of Equity 19.8b / Total Liabilities 203b) |
| Altman-Z'' = 0.72 = B |
| DSRI: 0.58 (Receivables 5.36b/4.99b, Revenue 30.2b/16.4b) |
| GMI: 0.95 (GM 80.80% / 85.48%) |
| AQI: 1.00 (AQ_t 0.95 / AQ_t-1 0.94) |
| SGI: 1.84 (Revenue 30.2b / 16.4b) |
| TATA: 0.01 (NI 3.63b - CFO 1.51b) / TA 224b) |
| Beneish M = -2.81 (Cap -4..+1) = A |
As of September 27, 2026, the stock is trading at USD 25.25 with a total of 2,166,645 shares traded. Over the past week, the price has changed by -3.22%, over one month by -10.59%, over three months by -4.62% and over the past year by -6.41%.
Current recommended Stop Loss: 24.50 (which is 3% or 1.5 ATR below the current price).
Prudential has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy PUK.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 38.1 | 50.7% |
P/E Trailing = 9.1866
P/E Forward = 9.8522
P/S = 2.253
P/B = 1.6279
P/EG = 2.4632
Revenue TTM = 30.2b USD
EBIT TTM = 4.40b USD
EBITDA TTM = 4.40b USD
Long Term Debt = 4.47b USD (from longTermDebt, last quarter)
Short Term Debt = 643.0m USD (from shortTermDebt, last quarter)
Debt = 5.75b USD (from shortLongTermDebtTotal, last quarter) + Leases 319.0m
Net Debt = -137.0m USD (calculated: Debt 5.75b - CCE 5.89b)
Enterprise Value = 32.1b USD (32.2b + Debt 5.75b - CCE 5.89b)
Interest Coverage Ratio = 22.99 (Ebit TTM 4.40b / Interest Expense TTM 191.5m)
EV/FCF = 22.43x (Enterprise Value 32.1b / FCF TTM 1.43b)
FCF Yield = 4.46% (FCF TTM 1.43b / Enterprise Value 32.1b)
FCF Margin = 4.74% (FCF TTM 1.43b / Revenue TTM 30.2b)
Net Margin = 12.03% (Net Income TTM 3.63b / Revenue TTM 30.2b)
Gross Margin = 85.48% ((Revenue TTM 30.2b - Cost of Revenue TTM 4.39b) / Revenue TTM)
Gross Margin QoQ = 70.64% (prev none%)
Tobins Q-Ratio = 0.14 (Enterprise Value 32.1b / Total Assets 224b)
Interest Expense / Debt = 3.33% (Interest Expense 191.5m / Debt 5.75b)
Taxrate = 15.05% (662.5m / 4.40b)
NOPAT = 3.74b (EBIT 4.40b * (1 - 15.05%))
Current Ratio = 5.53 (Total Current Assets 11.2b / Total Current Liabilities 2.04b)
Debt / Equity = 0.29 (Debt 5.75b / totalStockholderEquity, last quarter 19.8b)
Debt / EBITDA = -0.03 (Net Debt -137.0m / EBITDA 4.40b)
Debt / FCF = -0.10 (Net Debt -137.0m / FCF TTM 1.43b)
Total Stockholder Equity = 18.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.72% (Net Income 3.63b / Total Assets 224b)
RoE = 19.25% (Net Income TTM 3.63b / Total Stockholder Equity 18.9b)
RoCE = 18.86% (EBIT 4.40b / Capital Employed (Equity 18.9b + L.T.Debt 4.47b))
RoIC = 1.69% (NOPAT 3.74b / Invested Capital 221b)
WACC = 7.63% (E(32.2b)/V(38.0b) * Re(8.49%) + D(5.75b)/V(38.0b) * Rd(3.33%) * (1-Tc(0.15)))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -57.26 | Cagr: -29.08%
[DCF] Terminal Value 73.10% ; FCFF base≈1.61b ; Y1≈1.42b ; Y5≈1.14b
[DCF] Fair Price = 14.97 (EV 18.4b - Net Debt -137.0m = Equity 18.5b / Shares 1.24b; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 92.01 | Revenue CAGR: 81.71% | SUE: N/A | # QB: 0
EPS current Year (2025-12-31): EPS=1.95 | Chg30d=-4.11% | Revisions=-25% | GrowthEPS=+8.8% | GrowthRev=+6.6%
EPS next Year (2026-12-31): EPS=1.73 | Chg30d=-1.23% | Revisions=-25% | GrowthEPS=-14.5% | GrowthRev=+10.9%
[Analyst] Revisions Ratio: -40% (up=0, down=2)