{ "ok": true, "cik": "1137774", "ticker": "PRU", "name": "PRUDENTIAL FINANCIAL INC", "filings": [ { "form": "10-Q", "filed": "2026-08-05", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1137774/000113777426000176/0001137774-26-000176-index.htm" }, { "form": "8-K", "filed": "2026-08-04", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1137774/000113777426000170/0001137774-26-000170-index.htm" }, { "form": "8-K", "filed": "2026-07-24", "items": [ "7.01 Regulation FD Disclosure", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1137774/000119312526314987/0001193125-26-314987-index.htm" }, { "form": "8-K", "filed": "2026-07-15", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure" ], "url": "https://www.sec.gov/Archives/edgar/data/1137774/000113777426000157/0001137774-26-000157-index.htm" }, { "form": "8-K", "filed": "2026-06-04", "items": [ "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1137774/000119312526257475/0001193125-26-257475-index.htm" }, { "form": "8-K", "filed": "2026-05-12", "items": [ "5.07 Submission of Matters to a Vote of Security Holders" ], "url": "https://www.sec.gov/Archives/edgar/data/1137774/000119312526219846/0001193125-26-219846-index.htm" } ], "events12m": 21, "healthWatch": { "window": "last 12 months", "since": "2025-09-27", "signals": [ { "code": "5.02", "label": "Director or officer change", "count": 5, "latest": { "filed": "2026-03-10", "url": "https://www.sec.gov/Archives/edgar/data/1137774/000119312526100276/0001193125-26-100276-index.htm" } } ], "note": "Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt." }, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001137774.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1137774" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets and no trading recommendations.", "edgar": "🫧 Edgar looked up PRUDENTIAL FINANCIAL INC ($PRU). Last filing: 10-Q, 2026-08-05. 21 event filings (8-K) in the past twelve months.", "auditor": { "changes": [], "nonReliance": [], "restatedSince": null }, "metrics": { "fiscalYearEnd": "2025-12-31", "revenue": 60774000000, "revenueGrowth1y": -0.13679426177118104, "revenueGrowthPerYear": -0.03896808634643323, "yearsOfData": 5, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": 0.06140783887846776, "operatingCashFlow": 6271000000, "capitalSpending": null, "freeCashFlow": null, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 19712000000, "longTermDebt": 18856000000, "longTermDebtChange": -0.017251263876583156, "revenueHistory": [ { "fiscalYearEnd": "2021-12-31", "revenue": 71247000000 }, { "fiscalYearEnd": "2022-12-31", "revenue": 56881000000 }, { "fiscalYearEnd": "2023-12-31", "revenue": 53979000000 }, { "fiscalYearEnd": "2024-12-31", "revenue": 70405000000 }, { "fiscalYearEnd": "2025-12-31", "revenue": 60774000000 } ], "totalEquity": 32438000000, "totalAssets": 773740000000, "equityRatio": 0.04192364360120971, "returnOnEquity": 0.11505024970713361, "dividendsPaid": 1926000000, "payoutRatio": 0.5160771704180064, "dividendPerShare": 5.4, "dividendYearsRising": 14, "dividendCut": false, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "earningsPerShare": 10.05, "sharesOutstanding": 353700000, "bookValuePerShare": 91.71048911506927, "revenuePerShare": 171.82357930449533, "range80": { "low": 44326505429.776375, "high": 68407810685.12739, "baseline": 57295232822.35362, "n": 1471, "band": "b10", "bandLabel": "$10B+", "method": "v4.1", "credibility": 0.5, "growthYears": 4, "ownVolatility": 0.2155249798612932, "classVolatility": 0.06659579566308972, "volatility": 0.15950864701358802 }, "ifPaceHeld": { "low": 44326505429.776375, "high": 68407810685.12739 } }, "edgarette": "🔖 Exposure: revenue $60.8B (FY2025), total debt $18.9B. Experience: revenue down 13.7% on the year, down 3.9% a year over 4 years. Soundness: equity 4.2% of assets, return on equity 11.5%, payout 51.6% of profit, dividend per share up 14 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $44.3B and $68.4B next year (method v4.1: its own 4-year record of growth weighed at 50% against $10B+ filers; on a year the method never saw, 83.4% landed inside). In a shock year the stress range is $36.6B to $81.4B. A statistical range, not company guidance. Against peers (20 filers, $50M+ revenue, life insurance): growth -13.7% against 5.5%.", "peers": { "sic": 6311, "sicDescription": "Life Insurance", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6311", "growth": [ 0.0545, 20 ], "equityRatio": [ 0.0381, 19 ], "returnOnEquity": [ 0.0878, 17 ], "payoutRatio": [ 0.2768, 10 ] }, "summary": "Prudential Financial (PRU) saw revenue fall 13.7% in FY2025 to $60.8 billion, equity 4.2% of assets, and dividend per share up 14 years running. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
PRUDENTIAL FINANCIAL INC against its own record and its peers
Revenue, on the yearPeer median 5.5%-13.7%Equity of assetsPeer median 3.8%4.2%Return on equityPeer median 8.8%11.5%Payout of profitPeer median 27.7%51.6%Gold tick: the median of 10–19 peers with $50M+ revenue in life insurance
", "chartHorizon": "
Handed back now, or kept to compound · of each dollar of profit
51.6% paid out48.4% keptHanded back per share$5.4up 14 years runningGrowth its own profit can fund5.6%managed -13.7% last year

Gold paid out, navy kept. Kept share Ă— return on equity = the growth it can fund itself. Facts from the filings, not a recommendation.

", "backtest": { "tests": 15, "hits": 6, "rate": 0.4, "method": "v4", "byYear": { "2011": [ 0, 1 ], "2012": [ 0, 1 ], "2013": [ 0, 1 ], "2014": [ 0, 1 ], "2015": [ 1, 1 ], "2016": [ 1, 1 ], "2017": [ 1, 1 ], "2018": [ 1, 1 ], "2019": [ 1, 1 ], "2020": [ 0, 1 ], "2021": [ 0, 1 ], "2022": [ 0, 1 ], "2023": [ 1, 1 ], "2024": [ 0, 1 ], "2025": [ 0, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-09-27T19:37:53.236Z", "hash": "18b93cbc30b703db", "status": "open" }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "schema": "pops4.edgarette.card/1", "card": { "summary": "Prudential Financial (PRU) saw revenue fall 13.7% in FY2025 to $60.8 billion, equity 4.2% of assets, and dividend per share up 14 years running. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2025-12-31", "revenue": 60774000000, "totalDebt": 18856000000, "cash": 19712000000 }, "experience": { "revenueGrowth1y": -0.13679426177118104, "revenueGrowthPerYear": -0.03896808634643323, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": 0.06140783887846776, "freeCashFlow": null }, "soundness": { "equityRatio": 0.04192364360120971, "returnOnEquity": 0.11505024970713361, "payoutRatio": 0.5160771704180064, "dividendPerShare": 5.4, "dividendYearsRising": 14, "dividendCut": false, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 6311, "sicDescription": "Life Insurance", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6311", "growth": [ 0.0545, 20 ], "equityRatio": [ 0.0381, 19 ], "returnOnEquity": [ 0.0878, 17 ], "payoutRatio": [ 0.2768, 10 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": null, "auditorChange": null }, "healthWatch": { "window": "last 12 months", "since": "2025-09-27", "signals": [ { "code": "5.02", "label": "Director or officer change", "count": 5, "latest": { "filed": "2026-03-10", "url": "https://www.sec.gov/Archives/edgar/data/1137774/000119312526100276/0001193125-26-100276-index.htm" } } ], "note": "Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt." }, "range": { "low": 44326505429.776375, "high": 68407810685.12739, "baseline": 57295232822.35362, "coverage": 0.8, "method": "v4.1", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); width = the company's own volatility of yearly growth, credibility-weighted against its size class (Buhlmann), scaled to the 80% target on 2023 and tested on 2024", "calibratedOn": { "companyYears": 1471, "sizeBand": "$10B+", "fitYears": [ 2018, 2022 ], "tuneYear": 2023, "testYear": 2024, "coverageOnTestYear": 0.8341 }, "credibility": { "weightOnOwnRecord": 0.5, "growthYears": 4, "ownVolatility": 0.2155249798612932, "classVolatility": 0.06659579566308972, "pricedVolatility": 0.15950864701358802, "k": 3 }, "stress": { "low": 36633918403.65503, "high": 81398615285.33322, "basis": "the same range with widths set to hold 80% across 2018-2023, pandemic years included" }, "kind": "a statistical range, not company guidance; no view on the share price", "track": { "backtest": { "tests": 15, "hits": 6, "rate": 0.4, "method": "v4", "byYear": { "2011": [ 0, 1 ], "2012": [ 0, 1 ], "2013": [ 0, 1 ], "2014": [ 0, 1 ], "2015": [ 1, 1 ], "2016": [ 1, 1 ], "2017": [ 1, 1 ], "2018": [ 1, 1 ], "2019": [ 1, 1 ], "2020": [ 0, 1 ], "2021": [ 0, 1 ], "2022": [ 0, 1 ], "2023": [ 1, 1 ], "2024": [ 0, 1 ], "2025": [ 0, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-09-27T19:37:53.236Z", "hash": "18b93cbc30b703db", "status": "open" }, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001137774.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1137774" }, "speedCash": { "fiscalYear": 2025, "cashConversion": 0.1032, "growth3y": 0.0223, "volatility": 0.2155, "paysDividend": true, "raisedDividend": true, "equityRatio": 0.0419, "quadrant": { "code": "sj", "label": "Slow and jumpy", "plain": "growing slower than its size class, with revenue that swings more" }, "compass": { "code": "fading", "inside": "Turns 10.3% of revenue into operating cash; revenue growing 2.2% a year over three years; pays and raised its dividend.", "outside": "Among $10B+ companies: 39th percentile for cash, 37th for growth.", "emoji": "🍂", "label": "Fading", "plain": "slow and jumpy, lagging its peers" }, "band": "$10B+", "cashPctInClass": 39, "growthPctInClass": 37, "source": "SEC XBRL frames, the company’s own audited figures; quadrant split at the median of its size class" }, "harbor": { "signs": [ { "key": "slowjumpy", "text": "slow and jumpy: growing slower than its size class, with revenue that swings more" } ], "rule": "Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider.", "level": 1, "name": "Sound ship", "plain": "one warning sign" }, "cashFlow": { "fiscalYearEnd": "2025-12-31", "operating": 6271000000, "investing": -25892000000, "financing": 20773000000, "capitalSpending": null, "free": null, "trend": [ { "fiscalYearEnd": "2021-12-31", "operating": 9812000000, "free": null }, { "fiscalYearEnd": "2022-12-31", "operating": 5158000000, "free": null }, { "fiscalYearEnd": "2023-12-31", "operating": 6510000000, "free": null }, { "fiscalYearEnd": "2024-12-31", "operating": 8502000000, "free": null }, { "fiscalYearEnd": "2025-12-31", "operating": 6271000000, "free": null } ], "note": "Annual, as filed in 10-K cash flow statements; negative investing/financing = cash going out (capital spending, buybacks, dividends, debt repaid)." }, "investments": { "fiscalYearEnd": "2025-12-31", "cash": 19712000000, "shortTerm": 12446000000, "longTerm": 284556000000, "equityHoldings": 10972000000, "totalAssets": 773740000000, "ladder": { "within1y": 12446000000, "y1to5": 66518000000, "y5to10": 63669000000, "y10plus": 154369000000, "noSingleDate": null }, "currentRatio": null, "unrealizedGain": 6864000000, "unrealizedLoss": 33222000000, "note": "Balance-sheet cash and investment securities at fiscal year end, as filed; short-term = due or saleable within a year. Insurers and banks hold most of their book here." } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same range method applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so.", "healthWatch": "Distress-type events the company filed in the last 12 months (late-filing notices; 8-K items 1.03, 3.01, 2.04, 4.02, 4.01, 2.05, 2.06, 1.05, 5.02), each with its count and newest filing. Display only: they do not change the range or its receipt." }, "speedCash": { "fiscalYear": 2025, "cashConversion": 0.1032, "growth3y": 0.0223, "volatility": 0.2155, "paysDividend": true, "raisedDividend": true, "equityRatio": 0.0419, "quadrant": { "code": "sj", "label": "Slow and jumpy", "plain": "growing slower than its size class, with revenue that swings more" }, "compass": { "code": "fading", "inside": "Turns 10.3% of revenue into operating cash; revenue growing 2.2% a year over three years; pays and raised its dividend.", "outside": "Among $10B+ companies: 39th percentile for cash, 37th for growth.", "emoji": "🍂", "label": "Fading", "plain": "slow and jumpy, lagging its peers" }, "band": "$10B+", "cashPctInClass": 39, "growthPctInClass": 37, "source": "SEC XBRL frames, the company’s own audited figures; quadrant split at the median of its size class" }, "harbor": { "signs": [ { "key": "slowjumpy", "text": "slow and jumpy: growing slower than its size class, with revenue that swings more" } ], "rule": "Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider.", "level": 1, "name": "Sound ship", "plain": "one warning sign" }, "cashFlow": { "fiscalYearEnd": "2025-12-31", "operating": 6271000000, "investing": -25892000000, "financing": 20773000000, "capitalSpending": null, "free": null, "trend": [ { "fiscalYearEnd": "2021-12-31", "operating": 9812000000, "free": null }, { "fiscalYearEnd": "2022-12-31", "operating": 5158000000, "free": null }, { "fiscalYearEnd": "2023-12-31", "operating": 6510000000, "free": null }, { "fiscalYearEnd": "2024-12-31", "operating": 8502000000, "free": null }, { "fiscalYearEnd": "2025-12-31", "operating": 6271000000, "free": null } ], "note": "Annual, as filed in 10-K cash flow statements; negative investing/financing = cash going out (capital spending, buybacks, dividends, debt repaid)." }, "investments": { "fiscalYearEnd": "2025-12-31", "cash": 19712000000, "shortTerm": 12446000000, "longTerm": 284556000000, "equityHoldings": 10972000000, "totalAssets": 773740000000, "ladder": { "within1y": 12446000000, "y1to5": 66518000000, "y5to10": 63669000000, "y10plus": 154369000000, "noSingleDate": null }, "currentRatio": null, "unrealizedGain": 6864000000, "unrealizedLoss": 33222000000, "note": "Balance-sheet cash and investment securities at fiscal year end, as filed; short-term = due or saleable within a year. Insurers and banks hold most of their book here." } }