Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Prudential Financial's Debt-to-EBITDA or its related term are showing as below:
MEX:PRU'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0 Med: 0 Max: 16.33
Current: 16.33
During the past 13 years, the highest Debt-to-EBITDA Ratio of Prudential Financial was 16.33. The lowest was 0.00. And the median was 0.00.
MEX:PRU's Debt-to-EBITDA is ranked worse than 98.75% of 320
companies
in the Insurance industry
Industry Median: 1.19
vs MEX:PRU: 16.33
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Prudential Financial Debt-to-EBITDA Related Terms
Prudential Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Prudential Financial's Debt-to-EBITDA 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.
MEX:PRU vs MET, UNM, AFL: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, Prudential Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Prudential Financial's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Prudential Financial (MEX:PRU) has a Debt-to-EBITDA of 4.08 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Prudential Financial. According to the industry distribution chart, Prudential Financial ranks #316 out of 320 companies in the Insurance industry, placing it in the top 98.7%.
Is Prudential Financial's Debt-to-EBITDA too high?
Prudential Financial's current Debt-to-EBITDA is 4.08. The Insurance industry median Debt-to-EBITDA is 1.19. Prudential Financial's value of 4.08 is 242.9% above this industry median. Based on the distribution chart, Prudential Financial ranks #316 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Debt-to-EBITDA compare to MET and UNM?
According to the Insurance industry distribution chart, Prudential Financial ranks #316 out of 320 companies for Debt-to-EBITDA. This places Prudential Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Prudential Financial's value of 4.08 is 242.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential Financial's current Debt-to-EBITDA of 4.08 is 242.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Prudential Financial. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential Financial's current Debt-to-EBITDA is 4.08. 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 (MEX:PRU) is currently considered Fairly Valued. The stock's GF Value™ is MXN1,700.90, compared to a current price of MXN1,845.00 — trading 8.5% above its estimated fair value. The current Debt-to-EBITDA is 4.08 and 242.9% above the Insurance industry median of 1.19. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Prudential Financial (MEX:PRU), the current Debt-to-EBITDA is 4.08 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 (MEX:PRU) Overvalued in 2026?
Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued.
The current stock price of MXN1,845.00 is trading 8.5% above its estimated GF Value™ of MXN1,700.90.
GuruFocus considers Prudential Financial to be Fairly Valued.
Key valuation signals for MEX:PRU:
Debt-to-EBITDA: 4.08
GF Value™: MXN1,700.90 vs. price of MXN1,845.00 (8.5% above fair value)
Industry Position: 242.9% above the Insurance median (#316 of 320)
No single metric tells the full story. See the MEX:PRU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 MEX:PRU
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MEX:PRU has been successfully added to your 
