Skip to main content

Prudential Financial, Inc. (PRU) Stock Analysis

Recovery setup

SellVALUE-TRAP 1/5Moderate Confidence

Financial Services · Insurance - Life

Sell if holding. Engine safety override at $103.78: Quality below floor (3.6 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality.

Prudential Financial is a global financial services company with approximately $1.609 trillion in AUM, operating through PGIM (asset management), Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments across the U.S., Asia (primarily... Read more

$103.78-0.9% A.UpsideScore 4.8/10#11 of 15 Insurance - Life
QualityF-score4 / 9FCF yield29.02%
IncomeYield5.44%(5y avg 4.75%)Payout56.13%sustainable
Stop $98.30Target $102.03(resistance)A.R:R -1.2:1
Analyst target$100.47-3.2%15 analysts
$102.03our TP
$103.78price
$100.47mean
$90
$117

Sell if holding. Engine safety override at $103.78: Quality below floor (3.6 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality. Chart setup: Death cross but MACD improving, RSI 72. Score 4.8/10, moderate confidence.

Passes 6/9 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 71d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and death cross (50MA < 200MA). Suitability: moderate.

Recent Developments — Prudential Financial, Inc.

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
No bull case signals
Risks
Target reached (-12.2% upside)
Quality below floor (3.6 < 4.0)

Key Metrics

P/E (TTM)10.6
P/E (Fwd)7.0
Mkt Cap$35.8B
EV/EBITDA10.9
Profit Mgn5.5%
ROE10.7%
Rev Growth15.3%
Beta0.85
Dividend5.44%
Rating analysts26

Quality Signals

Piotroski F4/9

Options Flow

P/C0.60bullish
IV40%normal
Max Pain$50-51.8% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

4 floor-breakers

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
0.0
Revenue Growth
6.3

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Support Resistance
1.0
Bollinger
1.6
52w Position
7.4

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
0.0
Erm
2.0
Earnings Timing
5.0
Dividend Safety
6.5
News Activity
7.0
Earnings concerns: 1B/3MDividend: 544.0%

Quality below the gate floor. Component breakdown shows what dragged the score down.static

Roa
0.3
Gross Margin
1.8
Operating Margin
1.9
Net Margin
2.7
Current Ratio
3.2
Roe
3.6
Piotroski F
4.4
Moat
4.9
Fcf Quality
10.0
Excellent cash conversion: 299% FCF/NINo competitive moat
GatesA.R:R -1.2=NEGATIVEDeath cross (50MA < 200MA)Momentum 4.9<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.9>=4.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 71d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
72 · Overbought
20D MA 50D MA 200D MADEATH CROSSSupport $92.66Resistance $104.11

Price Targets

$98
$102
A.Upside-1.7%
A.R:R-1.2:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-12.2% upside)
! Quality below floor (3.6 < 4.0)
! Negative risk/reward — downside exceeds upside

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-07-29 (71d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PRU stock a buy right now?

Sell if holding. Engine safety override at $103.78: Quality below floor (3.6 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality. Chart setup: Death cross but MACD improving, RSI 72. Prior stop was $98.30. Score 4.8/10, moderate confidence.

What is the PRU stock price target?

Take-profit target: $102.03 (-0.9% upside). Prior stop was $98.30. Stop-loss: $98.30.

What are the risks of investing in PRU?

Target reached (-12.2% upside); Quality below floor (3.6 < 4.0).

Is PRU overvalued or undervalued?

Prudential Financial, Inc. trades at a P/E of 10.6 (forward 7.0). TrendMatrix value score: 7.1/10. Verdict: Sell.

What do analysts say about PRU?

26 analysts cover PRU with a consensus score of 2.7/5. Average price target: $100.

What does Prudential Financial, Inc. do?Prudential Financial is a global financial services company with approximately $1.609 trillion in AUM, operating...

Prudential Financial is a global financial services company with approximately $1.609 trillion in AUM, operating through PGIM (asset management), Retirement Strategies, Group Insurance, Individual Life, and International Businesses segments across the U.S., Asia (primarily Japan), Europe, and Latin America. Revenue is derived from premiums, policy charges, asset management fees, and net investment income across a diversified multi-line portfolio.

Related stocks: FG (F&G Annuities & Life, Inc.) · AFL (AFLAC Incorporated) · PUK (Prudential Public Limited Compa) · PRI (Primerica, Inc.) · LNC (Lincoln National Corporation)