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Prudential FinancialSTU:PLL +2.38%66 EV-to-OCF is 7.58 as of Aug. 06, 2026, which is 68% above its 10-year median of 4.52. GuruFocus rates STU:PLL with a GF Score™ of 66/100 and a GF Value™ of €98.61 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 503 Insurance companies, Prudential Financial ranks worse than 53.08% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Prudential Financial's Enterprise Value is €63,489 Mil.
Prudential Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was €8,374 Mil. Therefore, Prudential Financial's EV-to-OCF for today is 7.58.
The historical rank and industry rank for Prudential Financial's EV-to-OCF or its related term are showing as below:
STU:PLL'
s EV-to-OCF Range Over the Past 10 Years
Min: -12 Med: 4.52 Max: 60.5
Current: 7.48
During the past 13 years, the highest EV-to-OCF of Prudential Financial was 60.50. The lowest was -12.00. And the median was 4.52.
STU:PLL's EV-to-OCF is ranked worse than 53.08% of 503
companies
in the Insurance industry
Industry Median: 6.91
vs STU:PLL: 7.48
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Prudential Financial's PE Ratio (TTM) for today is calculated as:
Prudential Financial's share price for today is €109.55.
Prudential Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €9.474.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Prudential Financial EV-to-OCF Related Terms
Prudential Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Prudential Financial's EV-to-OCF 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.
For the Insurance - Life subindustry, Prudential Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Prudential Financial's EV-to-OCF falls into.
Prudential Financial's current Enterprise Value is €63,489 Mil.
Prudential Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €8,374 Mil.
* 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 (STU:PLL) has a EV-to-OCF of 7.58 as of Aug. 06, 2026. This is 68% above median its historical median of 4.52. According to the industry distribution chart, Prudential Financial ranks #267 out of 503 companies in the Insurance industry, placing it in the top 53.1%.
Is Prudential Financial's EV-to-OCF too high?
Prudential Financial's current EV-to-OCF of 7.58 is 68% above median its 10-year median of 4.52. The Insurance industry median EV-to-OCF is 6.91. Prudential Financial's value of 7.58 is 9.7% above this industry median. Based on the distribution chart, Prudential Financial ranks #267 out of 503 companies in the Insurance industry, which is below the industry midpoint. Overall, Prudential Financial has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's EV-to-OCF compare to MET and AFL?
According to the Insurance industry distribution chart, Prudential Financial ranks #267 out of 503 companies for EV-to-OCF. This places Prudential Financial in the lower half of its industry. The industry median EV-to-OCF is 6.91. Prudential Financial's value of 7.58 is 9.7% above this benchmark. While the company's 10-year median is 4.52 vs. the industry median of 6.91, Prudential Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.91, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential Financial's current EV-to-OCF of 7.58 is 9.7% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential Financial's current EV-to-OCF is 7.58, which is 68% above median its own 10-year median of 4.52. 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 Modestly Overvalued. The stock's GF Value™ is €98.61, compared to a current price of €109.55 — trading 11.1% above its estimated fair value. The current EV-to-OCF is 7.58, which is 68% above median its 10-year median of 4.52 and 9.7% above the Insurance industry median of 6.91. Prudential Financial's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Prudential Financial (STU:PLL), the current EV-to-OCF is 7.58 as of Aug. 06, 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 €109.55 is trading 11.1% above its estimated GF Value™ of €98.61.
GuruFocus considers Prudential Financial to be Modestly Overvalued.
Key valuation signals for STU:PLL:
EV-to-OCF: 7.58 (68% above median its 10-year median of 4.52)
GF Value™: €98.61 vs. price of €109.55 (11.1% above fair value)
Industry Position: 9.7% above the Insurance median (#267 of 503)
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 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.
66GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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