PRU
Prudential FinancialNYSEFinancialsInsurance - LifeSnapshot 2026-05-08
As of May 8, 2026, PRU has a composite score of 9.7 and a signal label of "mixed." The score reflects a medium confidence level of 73.5 and indicates strengths in valuation (94.3) and management (32.0), while facing challenges in macro factors with a score of -7.7. The analysis is provisional and influenced by various scenarios, including potential guidance changes and sector trends.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share0.70
- Slope (norm)-0.45
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $3.63 → $3.37 (-7.2% / 30d). 1 raised, 10 cut, 12 covering analysts.
0 upgrades, 3 downgrades / 30d, 11 maintained. 5% of analysts rate Buy.
6 PT revisions / 30d. Avg target -4.4% above current price.
0 positive, 1 negative / 30d. See F4 management tile for the event list.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
2 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Commitment to customer-first approachothermixed0% progressprovisional
2/3: “CEO: 'Our commitment to putting our customers first is core to who we are as a company.'”
Why this status
Newly stated in 2025-Q4. The financials show a net income decline from $1,431M in 2025-Q3 to a loss of $375M in 2025-Q4, indicating challenges in delivering financial value despite the customer-first focus. Persistent statement, limited substantive delivery this quarter.
- 2.Achieve record-high EPSgrowthwatchprovisional
10/29: “CFO: 'Our third quarter adjusted operating income earnings per share reached a record-high, up 28% from the year-ago quarter.'”
Why this status
Newly stated in 2025-Q3. EPS reached 4.01 in 2025-Q3, marking a record-high and a 28% increase from the previous year. This indicates successful delivery on the EPS growth priority for that quarter.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 27%; 252d 23%.
Drawdown — Max 1y −21%. Bad day move −3%.
Beta to sector ETF (XLF) — 1.05 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 62/100, drawdown 57/100, beta 95/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 0% of the last 1 guided quarters · -36.4% avg surprise
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Commitment to customer-first approach
OtherEmphasize customer-first approach as a core company value guiding actions.
MixedNewly stated in 2025-Q4. The financials show a net income decline from $1,431M in 2025-Q3 to a loss of $375M in 2025-Q4, indicating challenges in delivering financial value despite the customer-first focus. Persistent statement, limited substantive delivery this quarter.
0%CEO/CFO:“CEO: 'Our commitment to putting our customers first is core to who we are as a company.'”Multiple sourcesSource dated 2026-02-03Stated 1 of last 8 quartersFirst seen 2026-02-03provisionalShow history (1)
- 2025-Q4Multiple sources
“CEO: 'Our commitment to putting our customers first is core to who we are as a company.'”
- #2
Achieve record-high EPS
GrowthAchieve record-high adjusted operating income earnings per share.
WatchNewly stated in 2025-Q3. EPS reached 4.01 in 2025-Q3, marking a record-high and a 28% increase from the previous year. This indicates successful delivery on the EPS growth priority for that quarter.
No scoreCEO/CFO:“CFO: 'Our third quarter adjusted operating income earnings per share reached a record-high, up 28% from the year-ago quarter.'”Multiple sourcesSource dated 2025-10-29Stated 1 of last 8 quartersFirst seen 2025-10-29provisionalShow history (1)
- 2025-Q3Multiple sources
“CFO: 'Our third quarter adjusted operating income earnings per share reached a record-high, up 28% from the year-ago quarter.'”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Looks cheaper than most peers in the same business.
Cheaper than its own typical valuation.
P/E over the last 5 years
53 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
PRU Prudential Financial | +9.7 | inexpensive | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently NEW as of 2026-02-03)+4.0 pts
- If next-quarter guidance is cut (currently NEW as of 2026-02-03)-8.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-053d agoItem 2.02
Results of Operations and Financial Condition. Prudential Financial, Inc. (the “Company”) furnishes herewith, as Exhibit 99.1, a news release announcing first quarter 2026 results.
earnings preannouncement—score 61 - 2026-04-2118d agoItem 2.02
Results of Operations and Financial Condition. The information disclosed under
earnings preannouncementnegativescore 52
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.