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PRU

SELL

Prudential Financial, Inc.

Financial Services · Rank #439 · Analyzed Apr 20, 2026

$101.65

Current Price

$151.17

Intrinsic Value

+78.5%

Upside/Downside

1/10

Score

1/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree
Quality Score1/5.0
Framework RatingSELL
Price vs Intrinsic ValueUndervalued by 78.5%

Fair Value Range

Low$81.84
Base (IV)$151.17
High$181.40

Entry Points

Conservative$81.84
Moderate$116.50
Aggressive$151.17

⚠️ Warnings

  • Unusually high FCF yield (20%) — DCF may be unreliable
  • Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity11.4% → 0.5/1.0
Debt LevelD/E 124 → 0/1.0
Revenue QualityGrowth -13.7%, margin Δ+0.0% +recovery → 0.5/1.0
Moat Strength2.0/5 → 0/1.0
Profit Margins5.8% → 0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.