Prudential Financial (LTS:0KRX) Cyclically Adjusted Book per Share: $140.11 (As of Mar. 2026)

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LTS:0KRX Prudential Financial Inc LTS:0KRX
63 GF Score
Price $119.16
GF Value $108.95
Valuation Fairly Valued
! 6 Warning Signs
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What is Prudential Financial Cyclically Adjusted Book per Share?

Prudential Financial LTS:0KRX +1.55% 63 Cyclically Adjusted Book per Share is $140.11 as of Mar. 2026. GuruFocus rates LTS:0KRX with a GF Score™ of 63/100 and a GF Value™ of $108.95 (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 Mar. 2026 was $92.061. 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 $140.11 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Prudential Financial's average Cyclically Adjusted Book Growth Rate was 0.10% 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 (2026-07-26), Prudential Financial's current stock price is $119.16. Prudential Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $140.11. Prudential Financial's Cyclically Adjusted PB Ratio of today is 0.85.

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  (LTS:0KRX) 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
=119.16/140.11
=0.85

* 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 131.55 138.01 139.78 140.63 140.26

Prudential Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 139.36 140.64 139.80 140.26 140.11

LTS:0KRX vs MET, UNM, AFL: 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.


LTS:0KRX
63GF Score
Prudential Financial Inc LTS:0KRX
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 Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=92.061/330.2130*330.2130
=92.061

Current CPI (Mar. 2026) = 330.2130.

Prudential Financial Quarterly Data

Book Value per Share CPI Adj_Book
201606 125.699 241.018 172.217
201609 130.717 241.428 178.788
201612 106.764 241.432 146.024
201703 108.978 243.801 147.604
201706 113.440 244.955 152.923
201709 118.599 246.819 158.671
201712 128.353 246.524 171.926
201803 123.105 249.554 162.894
201806 115.467 251.989 151.311
201809 112.756 252.439 147.495
201812 118.372 251.233 155.585
201903 135.044 254.202 175.425
201906 153.010 256.143 197.257
201909 165.202 256.759 212.463
201912 158.250 256.974 203.352
202003 153.478 258.115 196.348
202006 166.992 257.797 213.901
202009 167.455 260.280 212.447
202012 170.077 260.474 215.613
202103 147.197 264.877 183.505
202106 163.011 271.696 198.120
202109 163.314 274.310 196.597
202112 164.439 278.802 194.761
202203 117.057 287.504 134.446
202206 75.774 296.311 84.444
202209 44.708 296.808 49.740
202212 83.596 296.797 93.008
202303 85.784 301.836 93.849
202306 78.234 305.109 84.671
202309 71.445 307.789 76.650
202312 77.446 306.746 83.371
202403 75.775 312.332 80.113
202406 78.323 314.175 82.321
202409 85.455 315.301 89.497
202412 78.609 315.605 82.247
202503 84.414 319.799 87.163
202506 86.895 322.561 88.956
202509 91.718 324.800 93.247
202512 93.228 324.054 95.000
202603 92.061 330.213 92.061

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 $140.11 mean?
Prudential Financial (LTS:0KRX) has a Cyclically Adjusted Book per Share of $140.11 as of Mar. 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 $140.11. Overall, Prudential Financial has a GF Score™ of 63/100 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 MET and UNM?
Prudential Financial's Cyclically Adjusted Book per Share of $140.11 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 $140.11. 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 (LTS:0KRX) is currently considered Fairly Valued. The stock's GF Value™ is $108.95, compared to a current price of $119.16 — trading 9.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is $140.11. Prudential Financial's overall GF Score™ is 63/100 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 (LTS:0KRX), the current Cyclically Adjusted Book per Share is $140.11 as of Mar. 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 (LTS:0KRX) Overvalued in 2026?

Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued. The current stock price of $119.16 is trading 9.4% above its estimated GF Value™ of $108.95. GuruFocus considers Prudential Financial to be Fairly Valued.

Key valuation signals for LTS:0KRX:

  • Cyclically Adjusted Book per Share: $140.11
  • GF Value™: $108.95 vs. price of $119.16 (9.4% above fair value)
  • GF Score™: 63/100 with 6 warning signs

No single metric tells the full story. See the LTS:0KRX 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.
63GF Score

Get the complete analysis for LTS:0KRX

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

$119.16
Price
$108.95
GF Value