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PrudentialFRA:PRU2 +3.42%42 Equity-to-Asset is 0.10 as of Dec. 2025, which is 43% above its 10-year median of 0.07. GuruFocus rates FRA:PRU2 with a GF Score™ of 42/100. The stock has 3 warning signs investors should review. Among 507 Insurance companies, Prudential ranks worse than 78.9% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Prudential's Total Stockholders Equity for the quarter that ended in Dec. 2025 was €17,180 Mil. Prudential's Total Assets for the quarter that ended in Dec. 2025 was €181,215 Mil.
Therefore, Prudential's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.10.
The historical rank and industry rank for Prudential's Equity-to-Asset or its related term are showing as below:
FRA:PRU2'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03 Med: 0.07 Max: 0.1
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Prudential was 0.10. The lowest was 0.03. And the median was 0.07.
FRA:PRU2's Equity-to-Asset is ranked worse than 78.9% of 507
companies
in the Insurance industry
Industry Median: 0.26
vs FRA:PRU2: 0.10
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Prudential Equity-to-Asset Related Terms
Prudential Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Prudential's Equity-to-Asset 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.
FRA:PRU2 vs AFL, MET, PRU: Equity-to-Asset Comparison
For the Insurance - Life subindustry, Prudential's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Prudential's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Prudential's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (FRA:PRU2) has a Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Prudential and its competitors. This is 43% above median its historical median of 0.07. Over the past decade, Prudential's Equity-to-Asset has ranged from 0.03 to 0.10. According to the industry distribution chart, Prudential ranks #400 out of 507 companies in the Insurance industry, placing it in the top 78.9%.
Is Prudential's Equity-to-Asset too high?
Prudential's current Equity-to-Asset of 0.10 is 43% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.10. The Insurance industry median Equity-to-Asset is 0.26. Prudential's value of 0.10 is 61.5% below this industry median. Based on the distribution chart, Prudential ranks #400 out of 507 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Prudential has a GF Score™ of 42/100, reflecting its overall financial health beyond just this single metric.
How does Prudential's Equity-to-Asset compare to AFL and MET?
According to the Insurance industry distribution chart, Prudential ranks #400 out of 507 companies for Equity-to-Asset. This places Prudential in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Prudential's value of 0.10 is 61.5% below this benchmark. Historically, Prudential's own Equity-to-Asset has ranged from 0.03 to 0.10 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.26, Prudential has consistently been below 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential's current Equity-to-Asset of 0.10 is 61.5% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Prudential and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential's current Equity-to-Asset is 0.10, which is 43% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prudential stock overvalued right now?
Prudential (FRA:PRU2) has a current Equity-to-Asset of 0.10. The current Equity-to-Asset is 0.10, which is 43% above median its 10-year median of 0.07 and 61.5% below the Insurance industry median of 0.26. Prudential's overall GF Score™ is 42/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Prudential (FRA:PRU2), the current Equity-to-Asset is 0.10 as of Dec. 2025. 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.
Originally established in 1848 as the Prudential Mutual Assurance, Investment, and Loan Association, Prudential has changed a lot since. Set up to sell life insurance and loans to the middle class, the company subsequently diversified into Europe and then North America with the purchase of Jackson National Life around 1985. During its time as owner of Jackson, Prudential focused on building a simple chassis-style product portfolio that allowed customers to choose from a variety of add-ons. The company also became renowned for its focus on building the internal capabilities required to support its strong product offerings, including compelling technology and a large well-trained wholesale salesforce.
42GF Score
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