Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Prudential FinancialPRU -0.95%65 3-Year Book Growth Rate is 3.70% as of Jun. 2026, which is 47% below its 10-year median of 7.00. GuruFocus rates PRU with a GF Score™ of 65/100 and a GF Value™ of $110.03 (Fairly Valued). The stock has 7 warning signs investors should review. Among 476 Insurance companies, Prudential Financial ranks worse than 73.11% on this metric.
During the past 12 months, Prudential Financial's average Book Value per Share Growth Rate was 5.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 3.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -14.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -3.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Prudential Financial was 32.20% per year. The lowest was -23.10% per year. And the median was 7.00% per year.
Prudential Financial (NYSE:PRU) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Prudential Financial 3-Year Book Growth Rate Related Terms
PRU vs AFL, MET, UNM: 3-Year Book Growth Rate Comparison
For the Insurance - Life subindustry, Prudential Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Prudential Financial 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Prudential Financial's 3-Year Book Growth Rate falls into.
Prudential Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 3.70% mean?
Prudential Financial (PRU) has a 3-Year Book Growth Rate of 3.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Prudential Financial and its competitors. This is 47% below median its historical median of 7.00. According to the industry distribution chart, Prudential Financial ranks #348 out of 476 companies in the Insurance industry, placing it in the top 73.1%.
Is Prudential Financial's 3-Year Book Growth Rate too high?
Prudential Financial's current 3-Year Book Growth Rate of 3.70% is 47% below median its 10-year median of 7.00. The Insurance industry median 3-Year Book Growth Rate is 8.40. Prudential Financial's value of 3.70% is 56% below this industry median. Based on the distribution chart, Prudential Financial ranks #348 out of 476 companies in the Insurance industry, which is below the industry midpoint. Overall, Prudential Financial has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's 3-Year Book Growth Rate compare to AFL and MET?
According to the Insurance industry distribution chart, Prudential Financial ranks #348 out of 476 companies for 3-Year Book Growth Rate. This places Prudential Financial in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.40. Prudential Financial's value of 3.70% is 56% below this benchmark. While the company's 10-year median is 7.00 vs. the industry median of 8.40, Prudential Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.40, based on 476 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential Financial's current 3-Year Book Growth Rate of 3.70% is 56% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Prudential Financial and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential Financial's current 3-Year Book Growth Rate is 3.70%, which is 47% below median its own 10-year median of 7.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prudential Financial stock overvalued right now?
Based on GuruFocus' analysis, Prudential Financial (PRU) is currently considered Fairly Valued. The stock's GF Value™ is $110.03, compared to a current price of $118.25 — trading 7.5% above its estimated fair value. The current 3-Year Book Growth Rate is 3.70%, which is 47% below median its 10-year median of 7.00 and 56% below the Insurance industry median of 8.40. Prudential Financial's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Prudential Financial (PRU), the current 3-Year Book Growth Rate is 3.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Prudential Financial (PRU) Overvalued in 2026?
Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued.
The current stock price of $118.25 is trading 7.5% above its estimated GF Value™ of $110.03.
GuruFocus considers Prudential Financial to be Fairly Valued.
Key valuation signals for PRU:
3-Year Book Growth Rate: 3.70% (47% below median its 10-year median of 7.00)
GF Value™: $110.03 vs. price of $118.25 (7.5% above fair value)
Industry Position: 56% below the Insurance median (#348 of 476)
No single metric tells the full story. See the PRU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Prudential Financial is one of the largest US life insurers, offering annuities, life insurance, and asset-management products. The United States and Japan are its two largest markets. Its US business contributed about 50% of adjusted 2025 earnings and includes institutional retirement (mostly pension risk transfer), individual retirement (annuities), group insurance, and individual life insurance. Its international business represented about 39% of adjusted earnings, with a strong market position in Japan, and the firm also has a presence in emerging markets like Brazil. The company's investment management business, PGIM, contributed approximately 11% of its 2025 adjusted earnings. PGIM had around $1.47 trillion in assets under management at the end of fourth-quarter 2025.
65GF Score
Get the complete analysis for PRU
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PRU has been successfully added to your 
