Prudential Financial Inc. (PFH) intrinsic value & 10-year financials
Prudential Financial Inc. (PFH) has a Graham intrinsic value of $78.78 per share. Over the last 10 fiscal years revenue grew 0.4% a year to $60.8B, with an average return on invested capital of 7.8%.
- Graham intrinsic value
- $78.78
- Revenue (FY2025)
- $60.8B
- Revenue growth (10-yr CAGR)
- 0.4%
- ROIC (10-yr avg)
- 7.8%
- Free cash flow (FY2025)
- —
PFH 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $60.8B | $3.6B | $9.99 | — | — | 11.9% |
| FY2024 | $70.4B | $2.7B | $7.50 | — | — | 9.8% |
| FY2023 | $54.0B | $2.5B | $6.74 | — | — | 10.8% |
| FY2022 | $60.0B | -$1.4B | -$3.93 | — | — | -3.3% |
| FY2021 | $70.9B | $7.7B | $19.51 | — | — | 11.0% |
| FY2020 | $57.0B | -$374.0M | -$1.00 | — | — | -0.5% |
| FY2019 | $64.8B | $4.2B | $10.11 | — | — | 7.2% |
| FY2018 | $63.0B | $4.1B | $9.50 | — | — | 7.6% |
| FY2017 | $59.7B | $7.9B | $17.86 | — | — | 14.8% |
| FY2016 | $58.8B | $4.4B | $9.71 | — | — | 8.8% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
PRUDENTIAL FINANCIAL INC has demonstrated mature, steady growth, with revenue compounding at 0.4% annually over the past decade.
PRUDENTIAL FINANCIAL INC has historically struggled to out-earn its cost of capital, averaging just 7.8% ROIC.
Over the decade, PRUDENTIAL FINANCIAL INC shows that management has aggressively returned capital to shareholders by retiring 20.8% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, PRUDENTIAL FINANCIAL INC is modeled at 0.3% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $78.78 per share.