Prudential FinancialSTU:PLL +0.91%60 Net Margin % is 3.84% as of Mar. 2026, which is 38% below its 10-year median of 6.17. 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 503 Insurance companies, Prudential Financial ranks worse than 67.59% on this metric.
The historical rank and industry rank for Prudential Financial's Net Margin % or its related term are showing as below:
STU:PLL'
s Net Margin % Range Over the Past 10 Years
Min: -2.89 Med: 6.17 Max: 13.17
Current: 5.5
STU:PLL's Net Margin % is ranked worse than 67.59% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs STU:PLL: 5.50
Prudential Financial (STU:PLL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Prudential Financial Net Margin % Related Terms
Prudential Financial Net Margin % Historical Data
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The historical data trend for Prudential Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Prudential Financial's Net 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 Net Margin % of 3.84% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Prudential Financial and its competitors. This is 38% below median its historical median of 6.17. According to the industry distribution chart, Prudential Financial ranks #340 out of 503 companies in the Insurance industry, placing it in the top 67.6%.
Is Prudential Financial's Net Margin % too high?
Prudential Financial's current Net Margin % of 3.84% is 38% below median its 10-year median of 6.17. The Insurance industry median Net Margin % is 9.29. Prudential Financial's value of 3.84% is 58.7% below this industry median. Based on the distribution chart, Prudential Financial ranks #340 out of 503 companies in the Insurance industry, which is below 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 Net Margin % compare to MET and UNM?
According to the Insurance industry distribution chart, Prudential Financial ranks #340 out of 503 companies for Net Margin %. This places Prudential Financial in the lower half of its industry. The industry median Net Margin % is 9.29. Prudential Financial's value of 3.84% is 58.7% below this benchmark. While the company's 10-year median is 6.17 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential Financial's current Net Margin % of 3.84% is 58.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Prudential Financial and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential Financial's current Net Margin % is 3.84%, which is 38% below median its own 10-year median of 6.17. 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 Net Margin % is 3.84%, which is 38% below median its 10-year median of 6.17 and 58.7% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Prudential Financial (STU:PLL), the current Net Margin % is 3.84% 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:
Net Margin %: 3.84% (38% below median its 10-year median of 6.17)
GF Value™: €96.81 vs. price of €95.30 (1.6% below fair value)
Industry Position: 58.7% below the Insurance median (#340 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.
60GF Score
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