Prudential Financial, Inc. Financial Ratios — PRU Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	22	3.18	-4.36	9.38	33.35	21.37	31.06	13.77	13.19	-1.17	26.31	-4.82	7.77	8.32	10.51
Return on Assets (%)	0.63	0.08	-0.09	0.18	0.74	0.57	0.97	0.49	0.49	-0.04	0.94	-0.2	0.35	0.37	0.47
Return on Capital (%)	8.25	1.04	- -	2.95	11.91	9.4	- -	8.06	7.72	- -	16.07	- -	4.51	4.64	5.8
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	10.11	0.83	-4.06	3.25	13.6	9.7	10.87	7.67	7.85	-0.57	15.23	-3.32	5.66	4.54	7.64
Profit Margin (%)	7.4	0.61	-1.61	2.55	9.88	7.43	13.17	6.47	6.46	-0.66	12.46	-2.89	4.58	3.86	5.87
Net Income to Common Margin (%)	7.4	0.61	-1.61	2.55	9.88	7.43	13.17	6.47	6.46	-0.66	12.46	-2.89	4.58	3.86	5.87
Effective Tax Rate (%)	30.52	30.08	- -	19.84	26.67	23.4	- -	17	18.62	- -	18.41	- -	19.95	15.8	22.62
Dvd Payout Ratio (%)	19.21	126.94	-184.13	69.25	19.32	29.08	16.03	37.08	38.25	2,153.66	20.14	-106.69	73.02	63.78	49.54
Sustainable Growth Rate (%)	17.77	-0.86	-12.38	2.89	26.91	15.15	26.08	8.67	8.14	24.1	21.01	-9.96	2.09	3.01	5.31

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	27,482	28,790	29,524	29,728	29,407	21,324	20,070	20,784	21,853	20,948	19,618	21,057	20,874	21,570	22,958
ST Debt	2,336	2,484	2,669	3,839	1,216	1,133	1,380	2,451	2,233	1,225	1,022	1,075	873	1,208	1,698
LT Debt	25,146	26,306	26,855	25,889	28,191	20,191	18,690	18,333	19,620	19,723	18,596	19,982	20,001	20,362	21,260
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.68	2.27	1.99	1.94	2.5	2.8	3.45	3.74	3.68	3.27	3.91	4.6	4.49	4.51	4.5
Long-Term Debt/Equity (%)	72.17	67.26	74.84	61.13	67.24	43.81	34.29	37.39	30.79	28.92	29.7	62.6	66.95	67.59	59.75
Long-Term Debt/Capital (%)	56.25	57.85	60.13	57.28	58.27	46.42	38.13	35.48	35.38	37.58	32.62	36.93	36.18	35.71	34.89
Long-Term Debt/Total Assets (%)	4.05	3.71	3.67	3.38	3.72	2.58	2.25	2.25	2.19	2.1	1.98	2.9	2.77	2.77	2.75
Total Debt/Equity (%)	78.88	73.61	82.28	70.2	70.15	46.27	36.82	42.39	34.3	30.71	31.33	65.97	69.87	71.6	64.52
Total Debt/Capital (%)	61.47	63.32	66.1	65.77	60.79	49.02	40.94	40.22	39.41	39.91	34.41	38.92	37.76	37.83	37.67
Total Debt/Total Assets (%)	4.43	4.06	4.03	3.88	3.88	2.72	2.41	2.55	2.44	2.23	2.09	3.06	2.89	2.93	2.97
Net Debt to Equity	37.98	27.33	50.4	34.97	28.13	15.62	10.24	11.08	8.67	10.62	10.75	11.92	4.87	10.2	9.12
Net Debt/Capital (%)	43.45	39.06	54.43	48.91	38.34	24.5	16.16	14.95	14.12	18.68	15.25	10.33	4.06	7.98	7.87
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.68	2.27	1.99	1.94	2.5	2.8	3.45	3.74	3.68	3.27	3.91	4.6	4.49	4.51	4.5
Long-Term Debt/Equity (%)	72.17	67.26	74.84	61.13	67.24	43.81	34.29	37.39	30.79	28.92	29.7	62.6	66.95	67.59	59.75
Long-Term Debt/Capital (%)	56.25	57.85	60.13	57.28	58.27	46.42	38.13	35.48	35.38	37.58	32.62	36.93	36.18	35.71	34.89
Long-Term Debt/Total Assets (%)	4.05	3.71	3.67	3.38	3.72	2.58	2.25	2.25	2.19	2.1	1.98	2.9	2.77	2.77	2.75
Total Debt/Equity (%)	78.88	73.61	82.28	70.2	70.15	46.27	36.82	42.39	34.3	30.71	31.33	65.97	69.87	71.6	64.52
Total Debt/Capital (%)	61.47	63.32	66.1	65.77	60.79	49.02	40.94	40.22	39.41	39.91	34.41	38.92	37.76	37.83	37.67
Total Debt/Total Assets (%)	4.43	4.06	4.03	3.88	3.88	2.72	2.41	2.55	2.44	2.23	2.09	3.06	2.89	2.93	2.97
CFO/Total Liabilities	2.11	3.12	1.21	2.68	1.95	2.02	1.73	2.83	2.36	0.96	1.12	0.78	0.94	1.21	0.85
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.14	0.17	0.12	0.13	0.14	0.15	0.16	0.16	0.15	0.13	0.16	0.18	0.17	0.2	0.17

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6	2.34	2.17	1.49
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	60.83	155.73	167.82	244.73
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	24,068	23,898	43,195	41,325	36,399	44,701	49,096	34,055	37,946	30,900	41,911	37,029	37,699	42,374	39,711
- Cash & Cash Equivalents	14,251	18,100	11,439	14,918	17,612	14,127	14,490	15,353	16,327	13,701	12,888	17,251	19,419	18,497	19,712
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	588	609	603	579	33	225	275	414	604	785	732	1,326	2,056	2,254	3,143
+ Total Debt	27,482	28,790	29,524	29,728	29,407	21,324	20,070	20,784	21,853	20,948	19,618	21,057	20,874	21,570	22,958
Enterprise Value	-233,417	-280,863	-242,596	-260,495	-259,475	-286,552	-298,874	-320,440	-352,764	-382,431	-329,702	-270,149	-280,116	-272,938	-7,213
Total Capital	44,705	45,471	44,664	45,201	48,377	43,501	49,022	51,674	55,454	52,488	57,008	54,103	55,288	57,017	60,938
Total Debt/Capital (%)	61.47	63.32	66.1	65.77	60.79	49.02	40.94	40.22	39.41	39.91	34.41	38.92	37.76	37.83	37.67
Total Debt / EV	-0.12	-0.1	-0.12	-0.11	-0.11	-0.07	-0.07	-0.06	-0.06	-0.05	-0.06	-0.08	-0.07	-0.08	-3.18
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	24,494	24,125	43,195	41,325	37,742	44,701	50,131	34,757	38,518	31,056	42,224	37,268	37,813	42,588	39,926
Diluted Enterprise Value	38,313	35,424	61,883	56,714	49,570	52,123	55,986	40,602	44,648	39,088	49,686	42,400	41,324	47,915	46,315
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	49,085	84,847	41,461	54,105	57,119	58,792	59,693	62,992	64,800	57,030	71,149	56,986	54,265	70,675	60,967
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	12,377	20,909	8,445	19,396	13,942	14,876	13,460	21,664	19,625	8,368	9,812	5,158	6,510	8,502	6,271
TTM Free Cash Flow to Firm	12,377	20,909	8,445	19,396	13,942	14,876	13,460	21,664	19,625	8,368	9,812	5,158	6,510	8,502	6,271

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	1.98	1.15	5.11	2.13	2.71	3	3.72	1.6	1.96	3.71	4.3	7.23	5.81	5.01	6.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-233,417	-280,863	-242,596	-260,495	-259,475	-286,552	-298,874	-320,440	-352,764	-382,431	-329,702	-270,149	-280,116	-272,938	-7,213
Low Price	42.45	44.47	53.4	75.89	73.19	57.19	97.88	75.61	77.65	38.62	75.71	85.46	75.37	100.6	90.38
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	6.63	45.96	- -	29.92	6.45	10.23	6.24	8.36	9.06	- -	4.73	- -	15.15	15.54	11.1
Price/Earnings Average	7.52	47.06	-50.42	28.57	6.59	7.79	5.88	10.35	9.05	-73.03	4.37	-23.55	13.5	15.25	10.57
Price/Earnings High	8.93	56.16	-65.08	31.19	7.34	10.65	6.42	13.03	10.29	-102.91	5.04	-28.08	15.68	17.11	12.19
Price/Earnings Low	5.61	38.32	-37.5	25.1	5.8	5.62	5.32	7.75	7.51	-40.87	3.31	-19.32	11.01	13.19	8.89
Price/Book Value	1.45	1.49	2.97	2.77	1.92	2.04	1.71	1.12	1.15	1	1.14	1.17	1.17	1.28	1.14
Price/Book Value Average	1.64	1.52	2.31	2.65	1.96	1.55	1.61	1.38	1.15	0.89	1.06	1.22	1.04	1.25	1.09
Price/Book Value High	1.95	1.82	2.99	2.89	2.19	2.12	1.76	1.74	1.31	1.25	1.22	1.46	1.21	1.41	1.25
Price/Book Value Low	1.23	1.24	1.72	2.33	1.73	1.12	1.46	1.04	0.95	0.5	0.8	1	0.85	1.08	0.91
Price/Tangible Book Value	0.78	0.67	1.34	1.05	0.93	1.02	0.93	0.74	0.62	0.49	0.71	1.24	1.36	1.5	1.18
Price/Tangible Book Value Average	0.88	0.68	1.04	1	0.95	0.78	0.87	0.92	0.62	0.43	0.65	1.3	1.21	1.47	1.12
Price/Tangible Book Value High	1.05	0.81	1.35	1.09	1.06	1.06	0.95	1.15	0.7	0.61	0.75	1.55	1.4	1.65	1.29
Price/Tangible Book Value Low	0.66	0.56	0.78	0.88	0.84	0.56	0.79	0.69	0.51	0.24	0.49	1.06	0.99	1.27	0.94
Price/Sales	0.49	0.28	1.04	0.76	0.64	0.76	0.82	0.54	0.59	0.54	0.59	0.65	0.69	0.6	0.65
Price/Sales Average	0.56	0.29	0.81	0.73	0.65	0.58	0.77	0.67	0.58	0.48	0.54	0.68	0.62	0.59	0.62
Price/Sales High	0.66	0.34	1.05	0.8	0.72	0.79	0.85	0.84	0.66	0.67	0.63	0.81	0.72	0.66	0.71
Price/Sales Low	0.42	0.23	0.6	0.64	0.57	0.42	0.7	0.5	0.49	0.27	0.41	0.56	0.5	0.51	0.52
Price/Cash Flow	1.94	1.14	5.11	2.13	2.61	3	3.65	1.57	1.93	3.69	4.27	7.18	5.79	4.98	6.33
Price/Cash Flow Average	2.21	1.17	3.98	2.03	2.67	2.29	3.44	1.95	1.93	3.26	3.95	7.52	5.16	4.89	6.03
Price/Cash Flow High	2.62	1.4	5.14	2.22	2.97	3.13	3.75	2.45	2.19	4.6	4.56	8.97	5.99	5.49	6.95
Price/Cash Flow Low	1.65	0.95	2.96	1.79	2.35	1.65	3.11	1.46	1.6	1.83	2.99	6.17	4.21	4.23	5.07
Price/Free Cash Flow Average	2.24	1.18	3.98	2.03	2.76	2.29	3.51	1.99	1.96	3.28	3.98	7.57	5.18	4.92	6.06
Price/Free Cash Flow High	2.67	1.41	5.14	2.22	3.08	3.13	3.83	2.5	2.23	4.62	4.59	9.02	6.01	5.52	6.99
Price/Free Cash Flow Low	1.68	0.96	2.96	1.79	2.43	1.65	3.17	1.49	1.63	1.84	3.01	6.21	4.22	4.25	5.1
EV/Sales Average	0.84	0.42	1.26	1.01	0.86	0.71	0.87	0.76	0.68	0.62	0.65	0.77	0.68	0.66	0.72
EV/Sales High	0.94	0.48	1.5	1.08	0.93	0.92	0.94	0.94	0.76	0.82	0.73	0.9	0.78	0.74	0.82
EV/Sales Low	0.7	0.37	1.05	0.93	0.78	0.54	0.8	0.59	0.58	0.41	0.52	0.65	0.57	0.58	0.63
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	50.12	53.33	92.22	90.46	81.41	104.06	114.98	81.55	93.74	78.07	108.24	99.46	103.71	118.53	112.88
High Price	67.52	65.17	92.68	94.3	92.6	108.29	118.17	127.14	106.4	97.24	115.52	124.22	107.31	130.55	123.88
Enterprise Value Average	41,119	35,771	52,317	54,850	48,994	41,460	52,104	48,027	44,010	35,344	46,187	43,924	37,108	46,910	44,189
Enterprise Value High	46,242	40,503	62,098	58,468	53,230	53,941	56,314	58,939	49,201	46,520	52,191	51,379	42,518	51,999	49,970
Enterprise Value Low	34,203	31,227	43,700	50,058	44,551	31,989	47,650	37,420	37,563	23,318	36,777	36,949	30,908	41,292	38,185

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	470	465	463	457	447	430	423	411	399	396	376	366	359	355	348
Diluted Weighted Avg Shares	489	452	468	457	464	430	436	426	411	398	390	375	365	359	354
Basic Weighted Avg Shares	480	448	468	457	447	430	427	418	405	396	387	372	364	358	352
Revenue per Share	102.22	189.34	88.52	118.43	127.75	136.86	139.8	150.84	160.08	144.09	183.75	153.06	149.28	197.69	173.3
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	7.56	1.16	-1.42	3.02	12.62	10.17	18.41	9.76	10.34	-0.94	22.9	-4.42	6.84	7.63	10.16
Basic EPS from Cont Ops	7.56	1.24	-1.21	3.12	12.78	10.29	18.67	9.79	10.47	-0.37	23.08	-4.5	6.9	7.96	10.61
Diluted EPS, GAAP	7.43	1.15	-1.42	3.02	12.17	10.17	18.03	9.56	10.19	-0.94	22.73	-4.4	6.82	7.59	10.11
Diluted EPS from Cont Ops	7.43	1.23	-1.21	3.12	12.32	10.29	18.29	9.59	10.31	-0.37	22.91	-4.47	6.88	7.92	10.55
Dividend per Share	1.47	1.71	1.81	2.25	2.5	3.03	3.04	3.64	4.05	4.46	4.68	4.88	5.08	5.29	5.47
Cash Flow per Share	25.77	46.66	18.03	42.46	31.18	34.63	31.52	51.88	48.48	21.14	25.34	13.85	17.91	23.78	17.83
Free Cash Flow per Basic Share	25.77	46.66	18.03	42.46	31.18	34.63	31.52	51.88	48.48	21.14	25.34	13.85	17.91	23.78	17.83
Cash & Equivalents per Share	594.66	745.7	674.48	727.02	727.61	821.28	862.56	899.65	1,020.67	1,099.2	1,012.3	885.2	937.4	948.63	207.58
Book Value per Share	34.64	35.87	31.04	32.6	42.36	51.1	67.16	72.98	81.51	77.7	94.67	85.2	89.02	92.85	99.03
Tangible Book Value per Share	64.55	80.03	68.76	86.49	87.44	101.9	123.93	110.08	151.05	160.41	153.45	80.32	76.39	78.97	95.8

Prudential Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)