Prudential Financial (STU:PLL) Cyclically Adjusted FCF per Share: €28.81 (As of Mar. 2026)


STU:PLL Prudential Financial Inc STU:PLL
55 GF Score
Price €99.76
GF Value €95.95
Valuation Fairly Valued
! 3 Warning Signs
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What is Prudential Financial Cyclically Adjusted FCF per Share?

Prudential Financial STU:PLL +1.18% 55 Cyclically Adjusted FCF per Share is €28.81 as of Mar. 2026. GuruFocus rates STU:PLL with a GF Score™ of 55/100 and a GF Value™ of €95.95 (Fairly Valued). The stock has 3 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 €2.495. 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 €28.81 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 (2026-07-07), Prudential Financial's current stock price is €99.76. Prudential Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €28.81. Prudential Financial's Cyclically Adjusted Price-to-FCF of today is 3.46.

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 2.88.


Prudential Financial  (STU:PLL) 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
=99.76/28.81
=3.46

* 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 2.88.


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 34.93 34.86 34.00 33.80 29.18

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 31.36 29.74 29.03 29.18 28.81

STU:PLL vs MET, UNM, AFL: 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.


STU:PLL
55GF Score
Prudential Financial Inc STU:PLL
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)
=2.495/330.2130*330.2130
=2.495

Current CPI (Mar. 2026) = 330.2130.

Prudential Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 14.281 241.018 19.566
201609 7.113 241.428 9.729
201612 -4.748 241.432 -6.494
201703 3.509 243.801 4.753
201706 6.244 244.955 8.417
201709 7.857 246.819 10.512
201712 9.135 246.524 12.236
201803 4.334 249.554 5.735
201806 8.748 251.989 11.464
201809 7.250 252.439 9.484
201812 23.252 251.233 30.562
201903 6.538 254.202 8.493
201906 11.202 256.143 14.441
201909 16.262 256.759 20.914
201912 8.877 256.974 11.407
202003 33.661 258.115 43.063
202006 -2.896 257.797 -3.709
202009 -1.279 260.280 -1.623
202012 -9.358 260.474 -11.863
202103 -6.945 264.877 -8.658
202106 9.251 271.696 11.243
202109 11.904 274.310 14.330
202112 7.746 278.802 9.174
202203 0.002 287.504 0.002
202206 3.793 296.311 4.227
202209 11.646 296.808 12.957
202212 -1.596 296.797 -1.776
202303 3.411 301.836 3.732
202306 3.086 305.109 3.340
202309 7.339 307.789 7.874
202312 2.802 306.746 3.016
202403 13.324 312.332 14.087
202406 -0.376 314.175 -0.395
202409 2.776 315.301 2.907
202412 6.203 315.605 6.490
202503 -6.510 319.799 -6.722
202506 2.839 322.561 2.906
202509 10.369 324.800 10.542
202512 8.082 324.054 8.236
202603 2.495 330.213 2.495

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 €28.81 mean?
Prudential Financial (STU:PLL) has a Cyclically Adjusted FCF per Share of €28.81 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 €28.81. Overall, Prudential Financial has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's Cyclically Adjusted FCF per Share compare to MET and UNM?
Prudential Financial's Cyclically Adjusted FCF per Share of €28.81 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 €28.81. 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 (STU:PLL) is currently considered Fairly Valued. The stock's GF Value™ is €95.95, compared to a current price of €99.76 — trading 4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €28.81. Prudential Financial's overall GF Score™ is 55/100 with 3 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 (STU:PLL), the current Cyclically Adjusted FCF per Share is €28.81 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 (STU:PLL) Overvalued in 2026?

Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued. The current stock price of €99.76 is trading 4% above its estimated GF Value™ of €95.95. GuruFocus considers Prudential Financial to be Fairly Valued.

Key valuation signals for STU:PLL:

  • Cyclically Adjusted FCF per Share: €28.81
  • GF Value™: €95.95 vs. price of €99.76 (4% above fair value)
  • GF Score™: 55/100 with 3 warning signs

No single metric tells the full story. See the STU:PLL 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.
55GF Score

Get the complete analysis for STU:PLL

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

€99.76
Price
€95.95
GF Value