Rate sensitivity
Higher or lower long-term interest rates change annuity pricing and the spread Prudential earns between what it credits policyholders and what it earns on invested assets. Track how guidance frames that sensitivity.
Stock research
Prudential Financial, Inc. (PRU) Stock Research
Prudential Financial provides life insurance, annuities, retirement products, and asset management.
For the fiscal year ended December 31, 2025, Prudential Financial, Inc. reported revenue of $60.8B and net income of $3.6B, with operating cash flow of $6.3B. Source: Form 10-K filed February 12, 2026
Reviewed · SEC data as of
- Revenue
- $60.8B
- FY ending 2025-12-31
- Net income
- $3.6B
- FY ending 2025-12-31
- Diluted EPS
- $9.99
- Net margin
- 5.9%
Reported SEC XBRL figures. Each metric’s period and original filing are listed below.
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About Prudential Financial
- Exchange
- NYSE: PRU
- Sector
- Financials
- SEC industry
- Life Insurance (SIC 6311)
- Fiscal year end
- December 31
PRU key financials
Reported figures from Prudential Financial, Inc.'s filings, pulled directly from SEC XBRL data rather than a third-party terminal. Each row links to the filing it came from.
| Metric | Value | Period | Source |
|---|---|---|---|
| Revenue | $60.8B | 2025-01-01 – 2025-12-31 | SEC filing |
| Net income | $3.6B | 2025-01-01 – 2025-12-31 | SEC filing |
| Operating cash flow | $6.3B | 2025-01-01 – 2025-12-31 | SEC filing |
| Diluted EPS | $9.99 | 2025-01-01 – 2025-12-31 | SEC filing |
| Net margin | 5.9% | 2025-01-01 – 2025-12-31 | SEC filing |
| Shares outstanding | 348M | As of 2026-01-31 | SEC filing |
Values are as tagged by the issuer in XBRL. Revenue for banks and insurers is net of interest expense where that is the reported line. Fiscal years that do not follow the calendar are shown by their period-end date. No price, market cap, or valuation multiple is shown because Yield Theory does not republish unlicensed market data.
Diluted EPS is the earnings figure behind the price-to-earnings ratio; the P/E multiple compression calculator shows how a change in that multiple moves a share price. Shares outstanding multiplied by the share price gives market capitalization.
What investors should watch in PRU
For Prudential Financial, Inc., the most important recurring operating and market variables are:
- ◆Retirement, annuity, and pension-risk-transfer sales volumes
- ◆Interest-rate environment's effect on spread income and annuity product pricing
- ◆International life-insurance operations, particularly in Japan and other overseas markets
- ◆Capital return commitments relative to statutory capital position
Key questions for the PRU thesis
Each question starts with what the filings show, then why it matters. None of these is a rating or a forecast.
Pension risk transfer pipeline
Prudential is a major buyer of corporate pension liabilities in risk-transfer deals. The size and profitability of that pipeline is a distinct growth lever from its core insurance and retirement products.
International mix
Life-insurance operations in Japan and other overseas markets add geographic diversification but also currency and local-regulatory exposure that can obscure underlying US trends.
Capital and payout
Compare dividend and buyback capacity against statutory capital requirements, which can constrain payout growth during periods of market stress or rising liabilities.
Does PRU's reported profit turn into cash?
Operating cash flow was $6.3B, 1.75 times net income of $3.6B, for the fiscal year ended December 31, 2025.
Cash from operations exceeded reported earnings. Non-cash charges such as depreciation, amortization and stock-based compensation usually explain the gap; the cash-flow statement shows which.
How much of PRU's revenue is left as profit?
Net income was 5.9% of revenue for the fiscal year ended December 31, 2025, based on revenue and net income reported for the same period.
Net margin reflects the business model as much as execution, so compare it with companies in the same SEC industry and read the income statement for one-time items before treating it as a run rate.
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Read the full researchPRU primary sources
- Latest annual report: Form 10-K filed February 12, 2026
- Latest quarterly report: Form 10-Q filed August 5, 2026
- Prudential Financial investor relations
- Prudential Financial filings at the SEC
- All PRU filings on SEC EDGAR
How we source and review company pages: research methodology.
Congressional trading in PRU
| Politician | Trade date | Type | Owner | Amount | Source |
|---|---|---|---|---|---|
| Lloyd Smucker | 2026-04-23 | Sale | Self | $1,001 - $15,000 | Filing #20019182 |
| Alan Armstrong | 2026-03-27 | Sale | Self | $1,001 - $15,000 | Filing #fda235b3-bad7-4637-8fa1-053f354d929c |
| Gilbert Cisneros | 2026-02-10 | Sale | Self | $1,001 - $15,000 | Filing #20034144 |
| Gilbert Cisneros | 2026-01-09 | Purchase | Self | $1,001 - $15,000 | Filing #20033983 |
| Jefferson Shreve | 2025-05-12 | Sale | Self | $15,001 - $50,000 | Filing #20030387 |
| Michael Rulli | 2025-05-07 | Sale | Self | $1,001 - $15,000 | Filing #20035147 |
| Jefferson Shreve | 2025-03-13 | Purchase | Self | $15,001 - $50,000 | Filing #20029038 |
All verified PRU congressional disclosures
Congressional disclosures are delayed, range-based records—not real-time signals or proof of motive. See the source-linked tracker for scope and limitations.
Compare PRU with similar companies
Prudential Financial peers
MetLife, Inc. (MET)Life InsuranceBerkshire Hathaway Inc. (BRK-B)Fire, Marine & Casualty InsuranceJPMorgan Chase & Co. (JPM)National Commercial BanksVisa Inc. (V)Services-Business Services, NECMastercard Incorporated (MA)Services-Business Services, NECAflac Incorporated (AFL)Accident & Health Insurance
PRU — frequently asked questions
What does Prudential Financial, Inc. do?
Prudential Financial provides life insurance, annuities, retirement products, and asset management.
What were PRU's latest reported annual revenue and net income?
For the fiscal year ended December 31, 2025, Prudential Financial, Inc. reported revenue of $60.8B and net income of $3.6B, with operating cash flow of $6.3B. The figures come from Prudential Financial, Inc.'s SEC XBRL filings.
When does Prudential Financial, Inc.'s fiscal year end?
The SEC lists Prudential Financial, Inc.'s fiscal year end as December 31.
Do members of Congress trade PRU?
The current verified House and Senate snapshot contains 7 transaction rows for PRU, each linked to the original filing.
Is PRU a good investment?
This page does not rate PRU as a buy or sell. It sets out what Prudential Financial, Inc. reports, what investors should watch and the questions a thesis has to answer, with links to the SEC filings. It is research, not investment advice.
This page is independent research and educational information, not investment advice or a recommendation to buy or sell any security. Company facts are compiled from public sources. Do your own research.
What do the PRU numbers leave unanswered?
Financials describe the business. The next question is which assumptions an investment thesis depends on. Explore the member reports below for analysis of catalysts, risks, and what would change the view. $39/month or $249/year.
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