Prudential (FRA:PRU) Net Loan: €471 Mil (As of Dec. 2025)

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FRA:PRU Prudential PLC FRA:PRU
60 GF Score
Price €12.30
GF Value €15.19
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Prudential Net Loan?

Prudential FRA:PRU -0.28% 60 Net Loan is €471 Mil as of Dec. 2025. GuruFocus rates FRA:PRU with a GF Score™ of 60/100 and a GF Value™ of €15.19 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Prudential's quarterly net loan declined from Dec. 2024 (€494 Mil) to Jun. 2025 (€463 Mil) but then increased from Jun. 2025 (€463 Mil) to Dec. 2025 (€471 Mil).

Prudential's annual net loan declined from Dec. 2023 (€530 Mil) to Dec. 2024 (€463 Mil) and declined from Dec. 2024 (€463 Mil) to Dec. 2025 (€471 Mil).

Prudential Net Loan Historical Data

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The historical data trend for Prudential's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Prudential Net Loan Chart

Prudential Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 682.34 556.96 530.03 493.74 470.55

Prudential Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 530.03 504.45 493.74 462.98 470.55
FRA:PRU
60GF Score
Prudential PLC FRA:PRU
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Prudential Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €471 Mil mean?
Prudential (FRA:PRU) has a Net Loan of €471 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Prudential and its competitors.
Is Prudential's Net Loan too high?
Prudential's current Net Loan is €471 Mil. Overall, Prudential has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Prudential's Net Loan compare to AFL and MET?
Prudential's Net Loan of €471 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Prudential and its competitors. Prudential's current Net Loan is €471 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prudential stock overvalued right now?
Based on GuruFocus' analysis, Prudential (FRA:PRU) is currently considered Modestly Undervalued. The stock's GF Value™ is €15.19, compared to a current price of €12.30 — trading 19% below its estimated fair value. The current Net Loan is €471 Mil. Prudential's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Prudential (FRA:PRU), the current Net Loan is €471 Mil as of Dec. 2025. 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 (FRA:PRU) Overvalued in 2026?

Based on GuruFocus' analysis, Prudential stock appears to be undervalued. The current stock price of €12.30 is trading 19% below its estimated GF Value™ of €15.19. GuruFocus considers Prudential to be Modestly Undervalued.

Key valuation signals for FRA:PRU:

  • Net Loan: €471 Mil
  • GF Value™: €15.19 vs. price of €12.30 (19% below fair value)
  • GF Score™: 60/100 with 3 warning signs

No single metric tells the full story. See the FRA:PRU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Prudential Business Description

Address 1 Harbour View Street, 13th Floor, One International Financial Centre, Central, Hong Kong, HKG
Originally established in 1848 as the Prudential Mutual Assurance, Investment, and Loan Association, Prudential has changed a lot since. Set up to sell life insurance and loans to the middle class, the company subsequently diversified into Europe and then North America with the purchase of Jackson National Life around 1985. During its time as owner of Jackson, Prudential focused on building a simple chassis-style product portfolio that allowed customers to choose from a variety of add-ons. The company also became renowned for its focus on building the internal capabilities required to support its strong product offerings, including compelling technology and a large well-trained wholesale salesforce.
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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.30
Price
€15.19
GF Value