Prudential FinancialSTU:PLL +0.91%60 FCF Margin % is 6.48% as of Mar. 2026, which is 54% below its 10-year median of 14.23. GuruFocus rates STU:PLL with a GF Score™ of 60/100 and a GF Value™ of €96.81 (Fairly Valued). The stock has 3 warning signs investors should review. Among 502 Insurance companies, Prudential Financial ranks better than 64.74% on this metric.
The historical rank and industry rank for Prudential Financial's FCF Margin % or its related term are showing as below:
STU:PLL'
s FCF Margin % Range Over the Past 10 Years
Min: 9.05 Med: 14.23 Max: 34.39
Current: 15.48
During the past 13 years, the highest FCF Margin % of Prudential Financial was 34.39%. The lowest was 9.05%. And the median was 14.23%.
STU:PLL's FCF Margin % is ranked better than 64.74% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs STU:PLL: 15.48
Prudential Financial FCF Margin % Related Terms
Prudential Financial FCF Margin % Historical Data
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The historical data trend for Prudential Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Prudential Financial's FCF Margin % 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.
Prudential Financial (STU:PLL) has a FCF Margin % of 6.48% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Prudential Financial and its competitors. This is 54% below median its historical median of 14.23. Over the past decade, Prudential Financial's FCF Margin % has ranged from 9.05 to 34.39. According to the industry distribution chart, Prudential Financial ranks #177 out of 502 companies in the Insurance industry, placing it in the top 35.3%.
Is Prudential Financial's FCF Margin % too high?
Prudential Financial's current FCF Margin % of 6.48% is 54% below median its 10-year median of 14.23. Over the past 10 years, this metric has ranged from a low of 9.05 to a high of 34.39. The Insurance industry median FCF Margin % is 9.63. Prudential Financial's value of 6.48% is 32.7% below this industry median. Based on the distribution chart, Prudential Financial ranks #177 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, Prudential Financial has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's FCF Margin % compare to MET and UNM?
According to the Insurance industry distribution chart, Prudential Financial ranks #177 out of 502 companies for FCF Margin %. This puts Prudential Financial in the upper half of its industry. The industry median FCF Margin % is 9.63. Prudential Financial's value of 6.48% is 32.7% below this benchmark. Historically, Prudential Financial's own FCF Margin % has ranged from 9.05 to 34.39 over the past decade. While the company's 10-year median is 14.23 vs. the industry median of 9.63, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential Financial's current FCF Margin % of 6.48% is 32.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Prudential Financial and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential Financial's current FCF Margin % is 6.48%, which is 54% below median its own 10-year median of 14.23. 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 €96.81, compared to a current price of €95.30 — trading 1.6% below its estimated fair value. The current FCF Margin % is 6.48%, which is 54% below median its 10-year median of 14.23 and 32.7% below the Insurance industry median of 9.63. Prudential Financial's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Prudential Financial (STU:PLL), the current FCF Margin % is 6.48% 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 undervalued.
The current stock price of €95.30 is trading 1.6% below its estimated GF Value™ of €96.81.
GuruFocus considers Prudential Financial to be Fairly Valued.
Key valuation signals for STU:PLL:
FCF Margin %: 6.48% (54% below median its 10-year median of 14.23)
GF Value™: €96.81 vs. price of €95.30 (1.6% below fair value)
Industry Position: 32.7% below the Insurance median (#177 of 502)
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.
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