PRU · NYSE · STOCK
Prudential Financial (PRU) Stock Analysis
$121.20
52W $91.89 – $127.72
68/100
$42.04B
10.9
0.83
Is PRU Bullish or Bearish?
Bullish.
Innellis AI committee rates Prudential Financial (PRU) Buy with a composite score of 68/100
, based on 6 analysts with 83% agreement.
Last updated August 24, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +7.27 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 — -12.73 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 p/e of 10.9 is inexpensive for the broad market. 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
- P/E of 10.9 is inexpensive for the broad market — Value
- Price-to-book of 1.2x is a discount to asset value — Value
- Dividend yield of 5.2% pays you to wait — Value
- EPS growing 144.2% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Daily trend (uptrend) conflicts with the weekly trend (downtrend) -- fighting the larger trend — 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 24, 2026
Overall Committee Score
68/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 11%
of 211 Financial Services peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.9 is inexpensive for the broad market
Growth Analyst
bullish
78
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 144.2% YoY
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
Risk Analyst
bullish
70
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 67.7 to 67.7.
Comparing 2026-08-23 to 2026-08-24 (1 day apart).
Technical Analysis
RSI (14)
42.0
Neutral
MACD Histogram
-0.649
Bearish Momentum
Trend Direction
Uptrend
Weekly: Downtrend
Market Structure
Hh Hl
Support
$119.09
Resistance
$123.83
Bollinger %B
0.24
Inside Bands
Price vs Moving Averages
EMA 9
$122.43
Below
EMA 21
$121.49
Below
EMA 50
$117.00
Above
EMA 200
$108.96
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 (33.91); Most recent quarter beat estimates by 14.5%; 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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