Prudential FinancialPRU +1.69%62 EV-to-FCF is 7.08 as of Jul. 03, 2026, which is 58% above its 10-year median of 4.47. GuruFocus rates PRU with a GF Score™ of 62/100 and a GF Value™ of $109.99 (Fairly Valued). The stock has 3 warning signs investors should review. Among 395 Insurance companies, Prudential Financial ranks better than 61.77% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Prudential Financial's Enterprise Value is $69,237 Mil.
Prudential Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $9,785 Mil. Therefore, Prudential Financial's EV-to-FCF for today is 7.08.
The historical rank and industry rank for Prudential Financial's EV-to-FCF or its related term are showing as below:
PRU'
s EV-to-FCF Range Over the Past 10 Years
Min: -12 Med: 4.47 Max: 60.5
Current: 7.08
During the past 13 years, the highest EV-to-FCF of Prudential Financial was 60.50. The lowest was -12.00. And the median was 4.47.
PRU's EV-to-FCF is ranked better than 61.77% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs PRU: 7.08
EV-to-FCF 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-FCF 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 $112.95.
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 $9.720.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Prudential Financial EV-to-FCF Related Terms
Prudential Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Prudential Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Prudential Financial's EV-to-FCF falls into.
Prudential Financial's current Enterprise Value is $69,237 Mil.
Prudential Financial's Free Cash Flow 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 $9,785 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 (PRU) has a EV-to-FCF of 7.08 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Prudential Financial and its competitors. This is 58% above median its historical median of 4.47. According to the industry distribution chart, Prudential Financial ranks #151 out of 395 companies in the Insurance industry, placing it in the top 38.2%.
Is Prudential Financial's EV-to-FCF too high?
Prudential Financial's current EV-to-FCF of 7.08 is 58% above median its 10-year median of 4.47. The Insurance industry median EV-to-FCF is 9.32. Prudential Financial's value of 7.08 is 24% below this industry median. Based on the distribution chart, Prudential Financial ranks #151 out of 395 companies in the Insurance industry, which is above the industry midpoint. Overall, Prudential Financial has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's EV-to-FCF compare to MET and UNM?
According to the Insurance industry distribution chart, Prudential Financial ranks #151 out of 395 companies for EV-to-FCF. This puts Prudential Financial in the upper half of its industry. The industry median EV-to-FCF is 9.32. Prudential Financial's value of 7.08 is 24% below this benchmark. While the company's 10-year median is 4.47 vs. the industry median of 9.32, Prudential Financial 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential Financial's current EV-to-FCF of 7.08 is 24% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Prudential Financial and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential Financial's current EV-to-FCF is 7.08, which is 58% above median its own 10-year median of 4.47. 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 (PRU) is currently considered Fairly Valued. The stock's GF Value™ is $109.99, compared to a current price of $112.95 — trading 2.7% above its estimated fair value. The current EV-to-FCF is 7.08, which is 58% above median its 10-year median of 4.47 and 24% below the Insurance industry median of 9.32. Prudential Financial's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Prudential Financial (PRU), the current EV-to-FCF is 7.08 as of Jul. 03, 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 (PRU) Overvalued in 2026?
Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued.
The current stock price of $112.95 is trading 2.7% above its estimated GF Value™ of $109.99.
GuruFocus considers Prudential Financial to be Fairly Valued.
Key valuation signals for PRU:
EV-to-FCF: 7.08 (58% above median its 10-year median of 4.47)
GF Value™: $109.99 vs. price of $112.95 (2.7% above fair value)
Industry Position: 24% below the Insurance median (#151 of 395)
No single metric tells the full story. See the 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.
62GF Score
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