PRU · NASDAQ · STOCK
Prudential Financial
$121.31
52W $91.89 – $127.72
69/100
$42.08B
10.9
0.83
Is PRU Bullish or Bearish?
Bullish.
Innellis AI committee rates Prudential Financial (PRU) Buy with a composite score of 69/100
, based on 4 analysts with 75% agreement.
Last updated August 09, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.36 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -13.64 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is quarter-over-quarter growth rate is accelerating, not just positive. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.33 across 38 articles, 14d) — News
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Daily trend (uptrend) conflicts with the weekly trend (downtrend) -- fighting the larger trend — Technical
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 09, 2026
Overall Committee Score
69/100
Agreement
75%
Analysts
4
Conviction
High
Sector Rank
Top 21%
of 142 Financial Services peers
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
neutral
51
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 38 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 68.1 to 68.6.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
Comparing 2026-08-08 to 2026-08-09 (1 day apart).
Technical Analysis
RSI (14)
53.6
Neutral
MACD Histogram
-0.437
Bearish Momentum
Trend Direction
Uptrend
Weekly: Downtrend
Market Structure
Mixed
Support
$119.09
Resistance
$123.83
Bollinger %B
0.62
Inside Bands
Price vs Moving Averages
EMA 9
$121.44
Below
EMA 21
$119.34
Above
EMA 50
$114.08
Above
EMA 200
$107.48
Above
Fundamental Analysis
Valuation
100
Growth
79
Profitability
29
Financial Health
87
Cash Flow
70
Valuation
P/E Ratio
10.9×
P/B Ratio
1.24×
PEG Ratio
0.07
Dividend Yield
4.54%
52W High
$127.72
52W Low
$91.89
Quality & Growth
ROE
1102.4%
ROA
46.2%
Gross Margin
3075.8%
Operating Margin
767.8%
Revenue Growth YoY
—
Debt / Equity
0.65
AI Fundamental Assessment
P/E ratio of 10.9 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.0%; Return on assets of 0.5%; Net margin of 5.9%; Gross margin of 30.8%; Current ratio of 1.79 (healthy short-term liquidity); Debt-to-equity of 0.65; Free cash flow per share is positive (37.02); Most recent quarter beat estimates by 15.2%; 2 consecutive earnings beats; EPS growth accelerating (+9.4% -> +13.0% QoQ); Average YoY EPS growth of 14.0%; Analyst estimates rising over recent quarters
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