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Prudential PLC (PUKPF) stock analysis

PUKPFOTCLife InsuranceFiscal year ends December 31Also trades as PUK
Financials through fiscal 2025, year ended Dec 31, 2025Score 6/30
$12.17+0.00 (0.00%)

Close on Oct 19, 2026Market cap $31.08BP/E 7.9Yield 1.97%

StockData Score

Prices as of Oct 30, 2026How the score works

Value0Growth1Performance5Health0Dividend0

Weak6 of 30 checks passed

Prudential passes 6 of the 30 checks behind our score; 20 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
1/6
Past performance
5/6
Financial health
0/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 13.4% a year on average over the last five fiscal years.

  • Earnings growth accelerating

    Net income grew 74.1% over the last twelve months, against a 5-year average of 13.4% a year.

  • Return on assets over 1%

    Return on assets was 2.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Prudential's return on equity of 21.2% is above the Life Insurance median of 11.7%.

What to watch

  • Return on equity under 15%

    Return on equity was 21.2% over the last twelve months and averaged 5.6% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 8.5% a year over the last three fiscal years, short of the 10% we look for.

  • Growing slower than the industry

    Revenue grew 7.0% over the last twelve months; the Life Insurance median is 8.0%.

  • No dividend

    Prudential has not paid a dividend in the last twelve months.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 8.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth accelerating

    Net income grew 74.1% over the last twelve months, against a 5-year average of 13.4% a year.

  • Growing slower than the industry

    Revenue grew 7.0% over the last twelve months; the Life Insurance median is 8.0%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance5/6

  • Return on equity under 15%

    Return on equity was 21.2% over the last twelve months and averaged 5.6% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 2.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Prudential's return on equity of 21.2% is above the Life Insurance median of 11.7%.

  • Earnings grew over 5 years

    Net income grew 13.4% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 34.6% over the last twelve months, against a 5-year average of 10.7%.

  • Net margin above the industry

    Prudential's net margin of 34.6% is above the Life Insurance median of 6.5%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Prudential has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Prudential. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$32.21M
Value traded per 1% price move
$27.24M

Downside

Medium risk

Typical loss in a bad month
16.8%
Volatility (annualized)
29%
Sharpe ratio, 1 year
-0.63
Beta to the S&P 500 (5Y)
0.88

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2015 to 2025

Operating margin

28.8%+16.5 pts over 5 years

Net margin

34.6%+25.2 pts over 5 years