PRUPrudential Financial
- Headquarters
- Newark, NJ
- CEO
- Andrew F. Sullivan
- Next results
- around Feb 2, 2027
All key numbers (31) From EDGAR
| EPS (ttm) | 10.98 | Sales (ttm) | 61.3B | Net income (ttm) | 3.9B | Sales growth | -13.7% | EPS growth | +33.2% | Sales Q/Q | -19.2% |
| Free cash flow | - | Gross margin | - | Oper. margin | - | Net margin | 6.3% | FCF margin | - | ROE | 13.1% |
| ROA | 0.5% | R&D / sales | - | Dividend | 5.40 | Debt/Eq | 0.70 | Curr. ratio | - | Cash | 18.7B |
| Op. cash flow (ttm) | 10.6B | Net debt | 2.0B | Payout ratio | 54.1% | Tax rate | 22.6% | Stock pay / sales | 0.4% | Shares out. | 343.0M |
| Shares Y/Y | -1.6% | Book / share | 86.04 | Cash / share | 54.50 | Sales / share | 178.79 | Asset turnover | 0.08 | Sales 3Y CAGR | +2.2% |
| Sales 5Y CAGR | +1.3% |
Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.
Changes in the numbers
FY2025 against FY2024-
Revenue growth slowed to -13.7%+30.4% → -13.7% · Revenue FY2025 / revenue FY2024 − 1, against the same a year earlier · 10-K ↗
PRU against Financials peers
Ten years, side by side → · All 76 →Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How
Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.
| Company | Revenue (ttm) | Sales growth | Gross margin | Net margin | ROE | FCF margin | Debt / equity |
|---|---|---|---|---|---|---|---|
| PRU Prudential Financial | $61.3B | -13.7% | - | 6.3% | 13.1% | - | 0.70 |
| ALL Allstate | $70.2B | +5.6% | - | 16.6% | 36.0% | 18.1% | 0.23 |
| GS Goldman Sachs | $69.7B | +8.9% | - | 31.8% | 17.7% | -57.4% | 3.56 |
| COF Capital One | $63.0B | +36.6% | - | 17.2% | 9.9% | 41.7% | 0.45 |
| CB Chubb Limited | $61.8B | +6.5% | - | 18.2% | 15.3% | - | 0.25 |
| TRV Travelers Companies | $48.9B | +5.2% | - | 17.0% | 28.7% | - | 0.34 |
Profitability
0 of 3- !Net margin below the peer median6.3% vs 20.4%
- !Return on equity below 15%13.1%
- !A profit in 8 of 10 years
Cash and shareholders
2 of 2- ✓Share count down over 5 years−10.6%
- ✓Dividend per share up over 5 years$4.40 → $5.40
Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.
What the debt is made of, and when it is due
balance sheet of Sep 30, 2026 · schedule of Dec 31, 2025The debt note's own lines, 2025-12-31
Fixed rate $0Floating $3.4B Not stated $85.5B
| Line, as the company names it | Kind | Rate | Fixed or floating | Amount |
|---|---|---|---|---|
| Subtotal | – | – | not stated | $34.6B |
| Surplus notes subject to set-off arrangements | Notes and bonds | – | not stated | $15.7B |
| Somerset Re surplus notes subject to set off arrangements | Notes and bonds | – | not stated | $7.6B |
| Junior subordinated debt | Subordinated | 1.72–6.75% | not stated | $7.6B |
| FABN (Medium Term Notes) | Notes and bonds | 5.60% | not stated | $5.7B |
| FHLBNY (Secured Debt) | Secured | 1.93–4.51% | not stated | $2.6B |
| FABN (Commercial Paper) | Commercial paper | 5.60% | floating | $2.5B |
| Short-term Debt | – | – | not stated | $1.4B |
| Junior Subordinated Institutional Notes August 2022 6.00% | Subordinated | 6.00% | not stated | $1.2B |
| Junior Subordinated Institutional Notes February 2022 | Subordinated | 5.13% | not stated | $1.0B |
| Junior Subordinated Institutional Notes March 2024 | Subordinated | 6.50% | not stated | $1.0B |
| Junior Subordinated Institutional Notes September 2018 | Subordinated | 5.70% | not stated | $1.0B |
| Commercial Paper | Commercial paper | – | floating | $874.0M |
| Junior Subordinated Institutional Notes August 2020 3.70% | Subordinated | 3.70% | not stated | $800.0M |
| Junior Subordinated Institutional Notes September 2017 | Subordinated | 4.50% | not stated | $750.0M |
| Retail Medium Term Note | – | – | not stated | $727.0M |
| Current portion of long-term debt | – | – | not stated | $569.0M |
| Junior Subordinated Institutional Notes August 2018 | Subordinated | 5.63% | not stated | $565.0M |
| Senior notes | Notes and bonds | – | not stated | $536.0M |
| FABN (Retail Note Liability) | – | – | not stated | $508.0M |
| Junior Subordinated Institutional Notes February 2023 | Subordinated | 6.75% | not stated | $500.0M |
| Junior Subordinated Retail Notes August 2020 4.13% | Subordinated | 4.13% | not stated | $500.0M |
| Junior Subordinated Institutional Notes August 2022 5.95% | Subordinated | 5.95% | not stated | $300.0M |
| Serviced Mortgage Loans (Senior Notes) | Notes and bonds | – | not stated | $217.0M |
| Serviced Mortgage Loans | – | – | not stated | $33.0M |
All 25 lines
From the debt note in the 10-K's XBRL (0001137774-26-000048), as the company tags it: by issue, by year, by currency or by kind. Lines from two ways of cutting the same debt can overlap, so they are not added up. Fixed or floating is read from the line's own name only; "not stated" when it says neither.
Left: the debt lines on the balance sheet (XBRL). Right: the principal due each year, from the debt note's maturity schedule; it can differ a little from the balance sheet, which shows the debt net of discounts and fees. Leases are not counted. The full schedule →
Revenue and net income, FY2016 to FY2025
Revenue 60.8B Net income 3.6BFrom XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →
Where the $60.8B of revenue came from
by region, year to Dec 31, 2025- United States $36.8B · 61%
- Japan $13.5B · 22%
- Other Countries $10.5B · 17%
From the segment tables in the 10-K XBRL. Revenue by segment, product and region →
PRU's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.
Revenue by region
year to Dec 31, 2025| Revenue | Share | vs year before | |
|---|---|---|---|
| United States | 36.8B | 60.6% | -24.2% |
| Japan | 13.5B | 22.2% | -2.0% |
| Other Countries | 10.5B | 17.3% | +29.8% |
10-K 0001137774-26-000048, segment and revenue notes (XBRL).
Income statement
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 58.8B | 59.7B | 63.0B | 64.8B | 57.0B | 71.2B | 56.9B | 54.0B | 70.4B | 60.8B |
| SG&A | 11.8B | 11.9B | 11.9B | 13.4B | 13.9B | 13.6B | 12.6B | 13.0B | 13.3B | 13.0B |
| Interest expense | 1.3B | 1.3B | 1.4B | 1.6B | 1.6B | 1.5B | 1.6B | 1.8B | 2.0B | - |
| Pretax income | 5.7B | 6.5B | 4.8B | 5.1B | -323.0M | 10.8B | -1.9B | 3.1B | 3.2B | 4.7B |
| Income tax | 1.3B | -1.4B | 822.0M | 947.0M | -81.0M | 2.0B | -279.0M | 613.0M | 507.0M | 1.1B |
| Net income | 4.4B | 7.9B | 4.1B | 4.2B | -374.0M | 8.9B | -1.6B | 2.5B | 2.7B | 3.6B |
| EPS (diluted) | 9.71 | 17.86 | 9.50 | 10.11 | -1.00 | 22.40 | -4.49 | 6.74 | 7.50 | 9.99 |
| Diluted shares | 446.6M | 436.0M | 426.2M | 410.9M | 395.8M | 390.1M | 372.3M | 364.6M | 359.3M | 353.7M |
| Depreciation & amortization | 318.0M | 222.0M | 161.0M | 460.0M | 457.0M | 206.0M | 117.0M | - | 383.0M | 128.0M |
| Net margin | 7.4% | 13.2% | 6.5% | 6.5% | -0.7% | 12.4% | -2.9% | 4.6% | 3.9% | 5.9% |
| Revenue growth | - | +1.5% | +5.5% | +2.9% | -12.0% | +24.9% | -20.2% | -5.1% | +30.4% | -13.7% |
| EPS growth | - | +83.9% | -46.8% | +6.4% | -110% | - | -120% | - | +11.3% | +33.2% |
Balance sheet
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash | 14.1B | 14.5B | 15.4B | 16.3B | 13.7B | 12.9B | 17.3B | 19.4B | 18.5B | 19.7B |
| Short-term investments | - | 6.8B | 6.5B | 5.5B | 7.8B | - | - | - | - | - |
| Goodwill | 833.0M | 843.0M | 863.0M | 3.0B | 3.0B | 1.8B | 876.0M | 1.1B | 1.1B | 1.1B |
| Total assets | 784.0B | 832.1B | 815.1B | 896.6B | 940.7B | 937.6B | 689.0B | 721.2B | 735.6B | 773.7B |
| Total debt | 19.2B | 18.6B | 19.8B | 20.6B | 20.6B | 19.3B | 20.7B | 19.5B | 20.1B | 20.3B |
| Total liabilities | 737.9B | 777.6B | 766.0B | 832.8B | 872.5B | 875.0B | 657.1B | 691.3B | 705.5B | 738.2B |
| Shareholders' equity | 45.9B | 54.2B | 48.6B | 63.1B | 67.4B | 61.9B | 30.6B | 27.8B | 27.9B | 32.4B |
| Retained earnings | 21.9B | 28.7B | 30.5B | 33.0B | 30.7B | 36.7B | 31.7B | 32.4B | 33.2B | 34.8B |
Cash flow
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 14.9B | 13.5B | 21.7B | 19.6B | 8.4B | 9.8B | 5.2B | 6.5B | 8.5B | 6.3B |
| Stock-based pay (added back) | 202.0M | 263.0M | 155.0M | 231.0M | 226.0M | 268.0M | 208.0M | 254.0M | 314.0M | 257.0M |
| Dividends paid | 1.3B | 1.3B | 1.5B | 1.6B | 1.8B | 1.8B | 1.8B | 1.8B | 1.9B | 1.9B |
| Buybacks | 2.0B | 1.2B | 1.5B | 2.5B | 500.0M | 2.5B | 1.5B | 1.0B | 1.0B | 1.0B |
| Investing cash flow | -21.7B | -12.0B | -21.6B | -17.0B | -16.2B | -5.3B | -7.6B | -12.1B | -28.6B | -25.9B |
| Financing cash flow | 3.2B | -1.3B | 781.0M | -1.6B | 4.9B | -3.0B | 4.9B | 7.7B | 19.4B | 20.8B |
| Dividend per share | 2.80 | 3.00 | 3.60 | 4.00 | 4.40 | 4.60 | 4.80 | 5.00 | 5.20 | 5.40 |
Stock-based pay and leases
From EDGAR| FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based pay (expense) | 202.0M | 263.0M | 155.0M | 231.0M | 226.0M | 268.0M | 208.0M | 254.0M | 314.0M | 257.0M |
| Stock-based pay / revenue | 0.3% | 0.4% | 0.2% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.4% | 0.4% |
| Operating lease cost | - | - | - | 138.0M | 156.0M | 153.0M | 133.0M | 121.0M | 123.0M | 121.0M |
| Right-of-use assets | - | - | - | 554.0M | 466.0M | 395.0M | 340.0M | 286.0M | 373.0M | 366.0M |
| Operating lease liabilities | - | - | - | 594.0M | 511.0M | 432.0M | 370.0M | 311.0M | 408.0M | 408.0M |
From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.
Work on PRU in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
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