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Upturn AI SWOT - About
PRU 
Prudential Financial Inc (PRU)
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Upturn Advisory Summary
04/01/2025: PRU (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -20.54% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 34.21B USD | Price to earnings Ratio 12.87 | 1Y Target Price 124.77 |
Price to earnings Ratio 12.87 | 1Y Target Price 124.77 | ||
Volume (30-day avg) 1865600 | Beta 1.26 | 52 Weeks Range 95.73 - 128.97 | Updated Date 04/4/2025 |
52 Weeks Range 95.73 - 128.97 | Updated Date 04/4/2025 | ||
Dividends yield (FY) 4.83% | Basic EPS (TTM) 7.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.87% | Operating Margin (TTM) -1.18% |
Management Effectiveness
Return on Assets (TTM) 0.28% | Return on Equity (TTM) 9.49% |
Valuation
Trailing PE 12.87 | Forward PE 7.76 | Enterprise Value 56630414341 | Price to Sales(TTM) 0.49 |
Enterprise Value 56630414341 | Price to Sales(TTM) 0.49 | ||
Enterprise Value to Revenue 0.8 | Enterprise Value to EBITDA - | Shares Outstanding 354427008 | Shares Floating 352860120 |
Shares Outstanding 354427008 | Shares Floating 352860120 | ||
Percent Insiders 0.18 | Percent Institutions 61.98 |
Analyst Ratings
Rating 3.2 | Target Price 130.38 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 12 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Prudential Financial Inc
Company Overview
History and Background
Prudential Financial, Inc., was founded in 1875 as the Widows and Orphans Friendly Society in Newark, New Jersey. Originally a life insurance company, it has evolved into a diversified financial services provider offering insurance, investment management, and retirement planning services. It demutualized in 2001 and became a publicly traded company.
Core Business Areas
- PGIM (Prudential Global Investment Management): PGIM is Prudential's global investment management business. It offers a wide range of investment strategies across public and private asset classes to institutional and retail clients.
- Retirement Strategies: This segment provides retirement income and investment solutions including annuities, pension risk transfers, and structured settlements.
- Group Insurance: Offers a range of group life, disability, and other insurance products to employers for their employees.
- Individual Annuities: This segment offers a range of individual annuities to help individuals plan for retirement and generate income.
- Individual Life: Offers life insurance policies to individuals and families.
- International Businesses: Include operations in Japan, Brazil and other select international markets. Products include individual life insurance and annuities.
Leadership and Structure
The company is led by a Chief Executive Officer and operates under a hierarchical organizational structure with various business units and functional departments. The Board of Directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Individual Annuities: Variable and fixed annuities designed to provide retirement income. Prudential is a major player in this market, competing with firms like Athene and Lincoln National. Market share fluctuates but consistently remains among the top providers.
- Life Insurance: Offers term, whole, and universal life insurance policies. Competitors include New York Life, Northwestern Mutual, and MetLife. Prudential holds a significant, but not dominant, share of the life insurance market.
- Retirement Solutions: Pension risk transfer and other retirement solutions for institutional clients. Prudential competes with Legal & General and Metropolitan Life in this sector.
- Investment Management (PGIM): PGIM offers a range of investment management services to institutional and retail clients. Competitors include BlackRock, Vanguard, and State Street. PGIM's AUM competes favorably within the industry, with trillions in assets under management
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to economic cycles, regulatory changes, and demographic trends. Key drivers include interest rates, market volatility, and consumer demand for financial products.
Positioning
Prudential Financial Inc is a well-established and diversified financial services provider with a strong brand reputation. It leverages its scale, distribution network, and investment expertise to compete effectively. Prudential is strategically positioned to capitalize on the growing demand for retirement and investment solutions.
Total Addressable Market (TAM)
The TAM for the financial services industry is multi-trillion dollar in the US and globally. Prudential is positioned to capture a portion of this TAM through its diversified product offerings and global presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Global presence
- Experienced management team
- Significant assets under management
Weaknesses
- Exposure to market volatility
- High operating expenses
- Complex regulatory environment
- Sensitivity to interest rate changes
Opportunities
- Growing demand for retirement solutions
- Expansion into emerging markets
- Technological innovation in financial services
- Strategic acquisitions
- Increased demand for financial planning
Threats
- Increased competition
- Economic downturns
- Regulatory changes
- Cybersecurity risks
- Changing consumer preferences
Competitors and Market Share
Key Competitors
- MET
- LNC
- AIG
- VOYA
- SLF
Competitive Landscape
Prudential Financial Inc competes with other large financial services companies on the basis of product offerings, price, distribution, and brand reputation. Its competitive advantages include its diversified business model, global presence, and strong brand.
Major Acquisitions
Assurance IQ
- Year: 2019
- Acquisition Price (USD millions): 2350
- Strategic Rationale: Expanded Prudential's reach in the direct-to-consumer insurance market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be assessed by analyzing past financial statements and performance metrics.
Future Projections: Analyst estimates for future growth are available from financial research firms. These projections typically consider market conditions, industry trends, and company-specific factors.
Recent Initiatives: Prudential Financial Inc regularly undertakes strategic initiatives to drive growth, such as acquisitions, product launches, and cost-cutting measures.
Summary
Prudential Financial Inc is a diversified financial services giant with a strong brand and global reach, though it has exposure to market volatility. The company benefits from growing demand for retirement solutions, but faces stiff competition and regulatory challenges. Strategic initiatives and technology adoption are important for sustaining growth. Prudential appears fundamentally sound with room for improvement in operational efficiency.
Similar Companies
AIG
American International Group Inc
AIG
American International Group Inc
AMP
Ameriprise Financial Inc
AMP
Ameriprise Financial Inc
BLK
BlackRock Inc
BLK
BlackRock Inc
LNC
Lincoln National Corporation
LNC
Lincoln National Corporation
MET
MetLife Inc
MET
MetLife Inc
MFC
Manulife Financial Corp
MFC
Manulife Financial Corp
SLF
Sun Life Financial Inc.
SLF
Sun Life Financial Inc.
VOYA
Voya Financial Inc
VOYA
Voya Financial Inc
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Relations Materials
- Financial News Articles (e.g., Wall Street Journal, Bloomberg)
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share data are estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Prudential Financial Inc
Exchange NYSE | Headquaters Newark, NJ, United States | ||
IPO Launch date 2001-12-13 | CEO - | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 37936 | Website https://www.prudential.com |
Full time employees 37936 | Website https://www.prudential.com | ||
Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States, Japan and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments. The PGIM segment offers investment management services and solutions related to public fixed income, public equity, real estate debt and equity, private credit and other alternatives, and multi-asset class strategies to institutional and retail clients, as well as its insurance and retirement businesses. The Retirement Strategies segment provides a range of retirement investment, and income products and services to retirement plan sponsors in the public, private, and not-for-profit sectors; develops and distributes individual variable and fixed annuity products. The Group Insurance segment offers various group life, and long-term and short-term group disability, as well as group corporate-, bank-, and trust-owned life insurance in the United States primarily for institutional clients for use in connection with employee and membership benefits plans; sells accidental death and dismemberment, and other supplemental health solutions; and plan administration services in connection with its insurance coverages. The Individual Life segment develops and distributes variable life, universal life, and term life insurance products. The International Businesses segment develops and distributes life insurance, retirement products, investment products, and certain accident and health products; and advisory and administration services . The company provides its products and services to individual and institutional customers through its proprietary and third-party distribution networks. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
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