PRU Prudential Financial

insurance · 2026-10-02

N/A

too hard · 35

Owner-earnings value$129.14

Price$113.13

Margin of safety +14.2%

Quality gate · 35/100

Returns on capital 9.0/30

Consistency 8.5/22

Margins / pricing power 4/16

Balance sheet 3.0/16

Cash conversion 5.0/10

Capital allocation 5.6/6

⚠ weak through-cycle ROE (9%)

Median ROE9.4%

FCF conversion370%

Share count / yr-1.7%

Profitable years3/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)	3.92B
Owner-earnings yield	10.0%
Free-cash-flow yield	28.1%
Growth used (normalized)	2.3%
Terminal growth	3.0%
Discount rate (hurdle)	8.9%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

Date	Quality	Price	Value	MoS	Rating
2026-10-02	35	$113.13	$129.14	+14.2%	N/A
2026-09-01	35	$117.60	$133.39	+13.4%	N/A
2026-07-30	35	$122.63	$128.03	+4.4%	N/A
2026-07-02	35	$111.07	$128.83	+16.0%	N/A
2026-06-25	44	$106.26	$129.57	+21.9%	N/A
2026-06-23	44	$108.48	$128.64	+18.6%	N/A

Date

Quality

Price

Value

MoS

Rating

2026-10-02

$113.13

$129.14

+14.2%

N/A

2026-09-01

$117.60

$133.39

+13.4%

N/A

2026-07-30

$122.63

$128.03

+4.4%

N/A

2026-07-02

$111.07

$128.83

+16.0%

N/A

2026-06-25

$106.26

$129.57

+21.9%

N/A

2026-06-23

$108.48

$128.64

+18.6%

N/A

Quality gate · 35/100

Moat & management

Owner-earnings inputs

History