Prudential Financial (MEX:PRU) Moat Score: 6/10 (As of Jun. 29, 2026)


MEX:PRU Prudential Financial Inc MEX:PRU
59 GF Score
Price MXN1,845.00
GF Value MXN1,878.24
Valuation Fairly Valued
! 3 Warning Signs
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What is Prudential Financial Moat Score?

Prudential Financial MEX:PRU 59 Moat Score is 6 as of Jun. 29, 2026. GuruFocus rates MEX:PRU with a GF Score™ of 59/100 and a GF Value™ of MXN1,878.24 (Fairly Valued). The stock has 3 warning signs investors should review. Among 601 Insurance companies, Prudential Financial ranks better than 95.01% on this metric.

Prudential Financial has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Prudential Financial has Narrow Moat: Prudential Financial has a strong brand and customer loyalty in the insurance sector, with significant regulatory barriers and economies of scale. However, intense competition limits its pricing power and market share dominance, keeping its moat narrow but strong.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Prudential Financial might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Prudential Financial  (MEX:PRU) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Prudential Financial Moat Score Related Terms

MEX:PRU vs MET, UNM, AFL: Moat Score Comparison

For the Insurance - Life subindustry, Prudential Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Prudential Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Prudential Financial's Moat Score falls into.


MEX:PRU
59GF Score
Prudential Financial Inc MEX:PRU
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Prudential Financial (MEX:PRU) has a Moat Score of 6 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Prudential Financial ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is Prudential Financial's Moat Score too high?
Prudential Financial's current Moat Score is 6. Based on the distribution chart, Prudential Financial ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Prudential Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's Moat Score compare to MET and UNM?
According to the Insurance industry distribution chart, Prudential Financial ranks #30 out of 601 companies for Moat Score. This places Prudential Financial in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Prudential Financial's current Moat Score is 6. 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 MXN1,878.24, compared to a current price of MXN1,845.00 — trading 1.8% below its estimated fair value. The current Moat Score is 6. Prudential Financial's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Prudential Financial (MEX:PRU), the current Moat Score is 6 as of Jun. 29, 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 undervalued. The current stock price of MXN1,845.00 is trading 1.8% below its estimated GF Value™ of MXN1,878.24. GuruFocus considers Prudential Financial to be Fairly Valued.

Key valuation signals for MEX:PRU:

  • Moat Score: 6
  • GF Value™: MXN1,878.24 vs. price of MXN1,845.00 (1.8% below fair value)
  • GF Score™: 59/100 with 3 warning signs

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 Business Description

Address 751 Broad Street, Newark, NJ, USA, 07102
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.
59GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN1,845.00
Price
MXN1,878.24
GF Value