PRU Stock Overview
Prudential plc, through its subsidiaries, provides life and health insurance, and retirement and asset management solutions to individuals in Asia, the United States, and Africa.
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£13.04|
|52 Week High||UK£15.99|
|52 Week Low||UK£11.58|
|1 Month Change||-12.61%|
|3 Month Change||-14.64%|
|1 Year Change||7.55%|
|3 Year Change||-15.38%|
|5 Year Change||-16.50%|
|Change since IPO||427.73%|
Recent News & Updates
Analysts Are More Bearish On Prudential plc (LON:PRU) Than They Used To Be
Market forces rained on the parade of Prudential plc ( LON:PRU ) shareholders today, when the analysts downgraded their...
|PRU||GB Insurance||GB Market|
Return vs Industry: PRU exceeded the UK Insurance industry which returned 8.8% over the past year.
Return vs Market: PRU exceeded the UK Market which returned 14.8% over the past year.
|PRU Average Weekly Movement||3.9%|
|Insurance Industry Average Movement||3.4%|
|Market Average Movement||4.8%|
|10% most volatile stocks in GB Market||9.7%|
|10% least volatile stocks in GB Market||2.5%|
Stable Share Price: PRU is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: PRU's weekly volatility (4%) has been stable over the past year.
About the Company
Prudential plc, through its subsidiaries, provides life and health insurance, and retirement and asset management solutions to individuals in Asia, the United States, and Africa. It offers health and protection, as well as savings products, such as participating, linked, and other traditional products; mutual funds; life insurance; property and casualty insurance; and group insurance. The company also provides insurance against common critical illnesses, including cancer, stroke, and heart attack; tropical disease protection, such as dengue, malaria, and measles; and food poisoning, minor burns, broken bones, and accident income support, as well as investment fund products.
Prudential Fundamentals Summary
|PRU fundamental statistics|
Is PRU overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PRU income statement (TTM)|
|Cost of Revenue||US$45.85b|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
Mar 09, 2022
|Earnings per share (EPS)||0.94|
|Net Profit Margin||4.95%|
How did PRU perform over the long term?See historical performance and comparison
0.9%Current Dividend Yield
Is Prudential undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: PRU (£14.2) is trading below our estimate of fair value (£21.98)
Significantly Below Fair Value: PRU is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: PRU is poor value based on its PE Ratio (20x) compared to the UK Insurance industry average (13.3x).
PE vs Market: PRU is poor value based on its PE Ratio (20x) compared to the UK market (19.9x).
Price to Earnings Growth Ratio
PEG Ratio: PRU is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: PRU is overvalued based on its PB Ratio (3.3x) compared to the GB Insurance industry average (1.2x).
How is Prudential forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PRU's forecast earnings growth (40.4% per year) is above the savings rate (0.9%).
Earnings vs Market: PRU's earnings (40.4% per year) are forecast to grow faster than the UK market (12.7% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: PRU's revenue is expected to decline over the next 3 years (-23.5% per year).
High Growth Revenue: PRU's revenue is forecast to decline over the next 3 years (-23.5% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: PRU's Return on Equity is forecast to be high in 3 years time (20.3%)
How has Prudential performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PRU has high quality earnings.
Growing Profit Margin: PRU's current net profit margins (4.9%) are higher than last year (2.5%).
Past Earnings Growth Analysis
Earnings Trend: PRU's earnings have declined by 8.3% per year over the past 5 years.
Accelerating Growth: PRU's earnings growth over the past year (85.4%) exceeds its 5-year average (-8.3% per year).
Earnings vs Industry: PRU earnings growth over the past year (85.4%) exceeded the Insurance industry 18.5%.
Return on Equity
High ROE: PRU's Return on Equity (16.2%) is considered low.
How is Prudential's financial position?
Financial Position Analysis
Short Term Liabilities: PRU's short term assets ($355.8B) exceed its short term liabilities ($347.2B).
Long Term Liabilities: PRU's short term assets ($355.8B) exceed its long term liabilities ($161.7B).
Debt to Equity History and Analysis
Debt Level: PRU's net debt to equity ratio (6.2%) is considered satisfactory.
Reducing Debt: PRU's debt to equity ratio has reduced from 103.7% to 45% over the past 5 years.
Debt Coverage: PRU's debt is not well covered by operating cash flow (8%).
Interest Coverage: PRU's interest payments on its debt are well covered by EBIT (8.2x coverage).
What is Prudential current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PRU's dividend (0.85%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (1.37%).
High Dividend: PRU's dividend (0.85%) is low compared to the top 25% of dividend payers in the UK market (4.08%).
Stability and Growth of Payments
Stable Dividend: PRU's dividend payments have been volatile in the past 10 years.
Growing Dividend: PRU's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (16.2%), PRU's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: PRU's dividends in 3 years are forecast to be well covered by earnings (16.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mike Wells (60 yo)
Mr. Michael Andrew Wells, also known as Mike, served as Director of Jackson Financial Inc. since July 2020 until September 13, 2021. He has been Group Chief Executive of Prudential Plc (“Prudential”) since...
CEO Compensation Analysis
Compensation vs Market: Mike's total compensation ($USD6.88M) is above average for companies of similar size in the UK market ($USD3.66M).
Compensation vs Earnings: Mike's compensation has been consistent with company performance over the past year.
Experienced Management: PRU's management team is considered experienced (3.1 years average tenure).
Experienced Board: PRU's board of directors are considered experienced (4.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: PRU insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.3%.
Prudential plc's employee growth, exchange listings and data sources
- Name: Prudential plc
- Ticker: PRU
- Exchange: LSE
- Founded: 1848
- Industry: Life and Health Insurance
- Sector: Insurance
- Market Cap: UK£35.624b
- Shares outstanding: 2.73b
- Website: https://www.prudentialplc.com
Number of Employees
- Prudential plc
- 1 Angel Court
- Greater London
- EC2R 7AG
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/11/26 21:16|
|End of Day Share Price||2021/11/26 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.