Prudential Financial (BSP:P1DT34) Cyclically Adjusted Book per Share: R$360.50 (As of Jun. 2026)

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BSP:P1DT34 Prudential Financial Inc BSP:P1DT34
61 GF Score
Price R$303.00
GF Value R$288.43
Valuation Fairly Valued
! 6 Warning Signs
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What is Prudential Financial Cyclically Adjusted Book per Share?

Prudential Financial BSP:P1DT34 61 Cyclically Adjusted Book per Share is R$360.50 as of Jun. 2026. GuruFocus rates BSP:P1DT34 with a GF Score™ of 61/100 and a GF Value™ of R$288.43 (Fairly Valued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Prudential Financial's adjusted book value per share for the three months ended in Jun. 2026 was R$234.354. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is R$360.50 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Prudential Financial's average Cyclically Adjusted Book Growth Rate was -0.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 0.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 3.30% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 7.80% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Prudential Financial was 11.90% per year. The lowest was 0.50% per year. And the median was 8.70% per year.

As of today (2026-09-13), Prudential Financial's current stock price is R$303.00. Prudential Financial's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was R$360.50. Prudential Financial's Cyclically Adjusted PB Ratio of today is 0.84.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Prudential Financial was 1.48. The lowest was 0.40. And the median was 0.83.


Prudential Financial  (BSP:P1DT34) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Prudential Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=303.00/360.50
=0.84

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Prudential Financial was 1.48. The lowest was 0.40. And the median was 0.83.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Prudential Financial Cyclically Adjusted Book per Share Related Terms


Prudential Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Prudential Financial's Cyclically Adjusted Book per Share 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 Financial Cyclically Adjusted Book per Share Chart

Prudential Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 365.61 358.51 341.24 437.74 391.93

Prudential Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share 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 384.48 374.10 391.93 360.22 360.50

BSP:P1DT34 vs AFL, MET, UNM: Cyclically Adjusted Book per Share Comparison

For the Insurance - Life subindustry, Prudential Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Prudential Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Prudential Financial's Cyclically Adjusted PB Ratio falls into.


BSP:P1DT34
61GF Score
Prudential Financial Inc BSP:P1DT34
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Prudential Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Prudential Financial's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=234.354/333.9520*333.9520
=234.354

Current CPI (Jun. 2026) = 333.9520.

Prudential Financial Quarterly Data

Book Value per Share CPI Adj_Book
201609 212.624 241.428 294.109
201612 179.043 241.432 247.655
201703 170.415 243.801 233.430
201706 186.916 244.955 254.826
201709 185.756 246.819 251.332
201712 211.462 246.524 286.456
201803 201.831 249.554 270.089
201806 217.714 251.989 288.529
201809 231.640 252.439 306.437
201812 229.844 251.233 305.521
201903 259.331 254.202 340.690
201906 294.979 256.143 384.585
201909 340.276 256.759 442.578
201912 324.767 256.974 422.053
202003 374.961 258.115 485.129
202006 433.211 257.797 561.184
202009 452.128 260.280 580.102
202012 437.498 260.474 560.913
202103 414.734 264.877 522.889
202106 409.851 271.696 503.764
202109 431.069 274.310 524.794
202112 464.942 278.802 556.912
202203 291.261 287.504 338.316
202206 191.242 296.311 215.536
202209 117.215 296.808 131.884
202212 219.247 296.797 246.694
202303 223.407 301.836 247.178
202306 189.863 305.109 207.811
202309 176.422 307.789 191.418
202312 189.736 306.746 206.564
202403 188.673 312.332 201.733
202406 210.929 314.175 224.207
202409 236.616 315.301 250.613
202412 239.795 315.605 253.735
202503 243.031 319.799 253.787
202506 240.950 322.561 249.459
202509 245.941 324.800 252.871
202512 254.311 324.054 262.079
202603 240.720 330.213 243.446
202606 234.354 333.952 234.354

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of R$360.50 mean?
Prudential Financial (BSP:P1DT34) has a Cyclically Adjusted Book per Share of R$360.50 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Prudential Financial and its competitors.
Is Prudential Financial's Cyclically Adjusted Book per Share too high?
Prudential Financial's current Cyclically Adjusted Book per Share is R$360.50. Overall, Prudential Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's Cyclically Adjusted Book per Share compare to AFL and MET?
Prudential Financial's Cyclically Adjusted Book per Share of R$360.50 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 Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Prudential Financial and its competitors. Prudential Financial's current Cyclically Adjusted Book per Share is R$360.50. 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 (BSP:P1DT34) is currently considered Fairly Valued. The stock's GF Value™ is R$288.43, compared to a current price of R$303.00 — trading 5.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is R$360.50. Prudential Financial's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Prudential Financial (BSP:P1DT34), the current Cyclically Adjusted Book per Share is R$360.50 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 (BSP:P1DT34) Overvalued in 2026?

Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued. The current stock price of R$303.00 is trading 5.1% above its estimated GF Value™ of R$288.43. GuruFocus considers Prudential Financial to be Fairly Valued.

Key valuation signals for BSP:P1DT34:

  • Cyclically Adjusted Book per Share: R$360.50
  • GF Value™: R$288.43 vs. price of R$303.00 (5.1% above fair value)
  • GF Score™: 61/100 with 6 warning signs

No single metric tells the full story. See the BSP:P1DT34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Prudential Financial Business Description

Address 751 Broad Street, Newark, NJ, USA, 07102
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.
61GF Score

Get the complete analysis for BSP:P1DT34

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$303.00
Price
R$288.43
GF Value