Prudential Financial (MIL:1PRU) Cyclically Adjusted Book per Share: €127.07 (As of Jun. 2026)

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MIL:1PRU Prudential Financial Inc MIL:1PRU
65 GF Score
Price €105.90
GF Value €97.69
! 6 Warning Signs
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What is Prudential Financial Cyclically Adjusted Book per Share?

Prudential Financial MIL:1PRU 65 Cyclically Adjusted Book per Share is €127.07 as of Jun. 2026. GuruFocus rates MIL:1PRU with a GF Score™ of 65/100 and a GF Value™ of €97.69. 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 €87.633. 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 €127.07 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 (2026-09-16), Prudential Financial's current stock price is €105.90. Prudential Financial's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €127.07. Prudential Financial's Cyclically Adjusted PB Ratio of today is 0.83.

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  (MIL:1PRU) 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
=105.90/127.069
=0.83

* 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 114.39 121.70 125.91 127.41 127.70

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 127.14 127.23 126.16 127.36 127.07

MIL:1PRU 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.


MIL:1PRU
65GF Score
Prudential Financial Inc MIL:1PRU
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)
=87.633/333.9520*333.9520
=87.633

Current CPI (Jun. 2026) = 333.9520.

Prudential Financial Quarterly Data

Book Value per Share CPI Adj_Book
201609 117.436 241.428 162.442
201612 101.719 241.432 140.699
201703 102.306 243.801 140.136
201706 99.863 244.955 136.145
201709 100.703 246.819 136.254
201712 107.432 246.524 145.532
201803 100.764 249.554 134.842
201806 99.635 251.989 132.043
201809 97.819 252.439 129.405
201812 104.431 251.233 138.815
201903 121.231 254.202 159.264
201906 135.435 256.143 176.576
201909 152.723 256.759 198.638
201912 142.329 256.974 184.964
202003 141.321 258.115 182.843
202006 150.061 257.797 194.390
202009 144.252 260.280 185.082
202012 140.621 260.474 180.289
202103 126.839 264.877 159.916
202106 138.844 271.696 170.658
202109 142.446 274.310 173.417
202112 146.310 278.802 175.252
202203 106.880 287.504 124.147
202206 74.233 296.311 83.663
202209 47.511 296.808 53.457
202212 81.723 296.797 91.954
202303 81.630 301.836 90.316
202306 74.284 305.109 81.306
202309 70.442 307.789 76.430
202312 75.291 306.746 81.969
202403 75.848 312.332 81.098
202406 78.537 314.175 83.481
202409 82.004 315.301 86.855
202412 82.053 315.605 86.823
202503 84.263 319.799 87.992
202506 80.159 322.561 82.990
202509 84.676 324.800 87.062
202512 87.071 324.054 89.731
202603 87.276 330.213 88.264
202606 87.633 333.952 87.633

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 €127.07 mean?
Prudential Financial (MIL:1PRU) has a Cyclically Adjusted Book per Share of €127.07 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 €127.07. Overall, Prudential Financial has a GF Score™ of 65/100, 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 €127.07 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 €127.07. 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?
Prudential Financial (MIL:1PRU) has a current Cyclically Adjusted Book per Share of €127.07. The stock's GF Value™ is €97.69, compared to a current price of €105.90 — trading 8.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is €127.07. Prudential Financial's overall GF Score™ is 65/100 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 (MIL:1PRU), the current Cyclically Adjusted Book per Share is €127.07 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 (MIL:1PRU) Overvalued in 2026?

Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued. The current stock price of €105.90 is trading 8.4% above its estimated GF Value™ of €97.69.

Key valuation signals for MIL:1PRU:

  • Cyclically Adjusted Book per Share: €127.07
  • GF Value™: €97.69 vs. price of €105.90 (8.4% above fair value)
  • GF Score™: 65/100 with 6 warning signs

No single metric tells the full story. See the MIL:1PRU 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.
65GF Score

Get the complete analysis for MIL:1PRU

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

€105.90
Price
€97.69
GF Value