Prudential Financial (BSP:P1DT34) Cyclically Adjusted FCF per Share: R$85.31 (As of Mar. 2026)

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BSP:P1DT34 Prudential Financial Inc BSP:P1DT34
47 GF Score
Price R$313.10
GF Value R$278.48
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Prudential Financial Cyclically Adjusted FCF per Share?

Prudential Financial BSP:P1DT34 -0.60% 47 Cyclically Adjusted FCF per Share is R$85.31 as of Mar. 2026. GuruFocus rates BSP:P1DT34 with a GF Score™ of 47/100 and a GF Value™ of R$278.48 (Modestly Overvalued). The stock has 7 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Prudential Financial's adjusted free cash flow per share for the three months ended in Mar. 2026 was R$7.544. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is R$85.31 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Prudential Financial's average Cyclically Adjusted FCF Growth Rate was -1.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -2.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -1.90% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 3.50% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Prudential Financial was 17.30% per year. The lowest was -3.10% per year. And the median was 8.55% per year.

As of today (2026-08-04), Prudential Financial's current stock price is R$313.10. Prudential Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was R$85.31. Prudential Financial's Cyclically Adjusted Price-to-FCF of today is 3.67.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Prudential Financial was 4.23. The lowest was 1.15. And the median was 2.89.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Prudential Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=313.10/85.31
=3.67

* 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 Price-to-FCF of Prudential Financial was 4.23. The lowest was 1.15. And the median was 2.89.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Prudential Financial Cyclically Adjusted FCF per Share Related Terms


Prudential Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

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

Prudential Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 109.53 97.27 92.48 111.77 96.33

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 FCF 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 95.67 95.84 90.55 96.33 85.31

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

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

For the Insurance industry and Financial Services sector, Prudential Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Prudential Financial's Cyclically Adjusted Price-to-FCF falls into.


BSP:P1DT34
47GF Score
Prudential Financial Inc BSP:P1DT34
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Prudential Financial Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=7.544/330.2130*330.2130
=7.544

Current CPI (Mar. 2026) = 330.2130.

Prudential Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 27.466 241.018 37.631
201609 12.984 241.428 17.759
201612 -8.399 241.432 -11.488
201703 5.869 243.801 7.949
201706 11.559 244.955 15.582
201709 14.667 246.819 19.623
201712 17.810 246.524 23.856
201803 8.762 249.554 11.594
201806 19.269 251.989 25.251
201809 17.380 252.439 22.735
201812 51.364 251.233 67.511
201903 14.186 254.202 18.428
201906 24.402 256.143 31.458
201909 36.889 256.759 47.442
201912 20.243 256.974 26.012
202003 90.869 258.115 116.251
202006 -8.461 257.797 -10.838
202009 -4.066 260.280 -5.158
202012 -29.286 260.474 -37.127
202103 -23.294 264.877 -29.040
202106 28.023 271.696 34.059
202109 36.965 274.310 44.498
202112 24.748 278.802 29.312
202203 0.007 287.504 0.008
202206 10.118 296.311 11.276
202209 30.232 296.808 33.635
202212 -4.435 296.797 -4.934
202303 9.512 301.836 10.406
202306 8.114 305.109 8.782
202309 19.341 307.789 20.750
202312 7.485 306.746 8.058
202403 36.060 312.332 38.124
202406 -1.091 314.175 -1.147
202409 8.530 315.301 8.933
202412 19.813 315.605 20.730
202503 -20.261 319.799 -20.921
202506 9.079 322.561 9.294
202509 32.634 324.800 33.178
202512 25.816 324.054 26.307
202603 7.544 330.213 7.544

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of R$85.31 mean?
Prudential Financial (BSP:P1DT34) has a Cyclically Adjusted FCF per Share of R$85.31 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Prudential Financial and its competitors.
Is Prudential Financial's Cyclically Adjusted FCF per Share too high?
Prudential Financial's current Cyclically Adjusted FCF per Share is R$85.31. Overall, Prudential Financial has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's Cyclically Adjusted FCF per Share compare to MET and AFL?
Prudential Financial's Cyclically Adjusted FCF per Share of R$85.31 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 FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Prudential Financial and its competitors. Prudential Financial's current Cyclically Adjusted FCF per Share is R$85.31. 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 Modestly Overvalued. The stock's GF Value™ is R$278.48, compared to a current price of R$313.10 — trading 12.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is R$85.31. Prudential Financial's overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Prudential Financial (BSP:P1DT34), the current Cyclically Adjusted FCF per Share is R$85.31 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 (BSP:P1DT34) Overvalued in 2026?

Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued. The current stock price of R$313.10 is trading 12.4% above its estimated GF Value™ of R$278.48. GuruFocus considers Prudential Financial to be Modestly Overvalued.

Key valuation signals for BSP:P1DT34:

  • Cyclically Adjusted FCF per Share: R$85.31
  • GF Value™: R$278.48 vs. price of R$313.10 (12.4% above fair value)
  • GF Score™: 47/100 with 7 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.
47GF Score

Get the complete analysis for BSP:P1DT34

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

R$313.10
Price
R$278.48
GF Value