Prudential FinancialSTU:PLL +0.91%60 PB Ratio is 1.20 as of Jun. 24, 2026, which is 29% above its 10-year median of 0.93. 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 499 Insurance companies, Prudential Financial ranks better than 60.52% on this metric.
The historical rank and industry rank for Prudential Financial's PB Ratio or its related term are showing as below:
STU:PLL'
s PB Ratio Range Over the Past 10 Years
Min: 0.27 Med: 0.93 Max: 2.47
Current: 1.18
During the past 13 years, Prudential Financial's highest PB Ratio was 2.47. The lowest was 0.27. And the median was 0.93.
STU:PLL's PB Ratio is ranked better than 60.52% of 499
companies
in the Insurance industry
Industry Median: 1.39
vs STU:PLL: 1.18
During the past 12 months, Prudential Financial's average Book Value Per Share Growth Rate was 9.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -14.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -3.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Prudential Financial was 32.20% per year. The lowest was -23.10% per year. And the median was 7.00% per year.
Back to Basics: PB Ratio
Prudential Financial (STU:PLL) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Prudential Financial PB Ratio Related Terms
Prudential Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Prudential Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Prudential Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Prudential Financial (STU:PLL) has a PB Ratio of 1.20 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Prudential Financial and its competitors. This is 29% above median its historical median of 0.93. Over the past decade, Prudential Financial's PB Ratio has ranged from 0.27 to 2.47. According to the industry distribution chart, Prudential Financial ranks #197 out of 499 companies in the Insurance industry, placing it in the top 39.5%.
Is Prudential Financial's PB Ratio too high?
Prudential Financial's current PB Ratio of 1.20 is 29% above median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 2.47. The Insurance industry median PB Ratio is 1.39. Prudential Financial's value of 1.20 is 13.7% below this industry median. Based on the distribution chart, Prudential Financial ranks #197 out of 499 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 PB Ratio compare to MET and UNM?
According to the Insurance industry distribution chart, Prudential Financial ranks #197 out of 499 companies for PB Ratio. This puts Prudential Financial in the upper half of its industry. The industry median PB Ratio is 1.39. Prudential Financial's value of 1.20 is 13.7% below this benchmark. Historically, Prudential Financial's own PB Ratio has ranged from 0.27 to 2.47 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 1.39, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.39, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential Financial's current PB Ratio of 1.20 is 13.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Prudential Financial and its competitors. For the Insurance industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential Financial's current PB Ratio is 1.20, which is 29% above median its own 10-year median of 0.93. 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 PB Ratio is 1.20, which is 29% above median its 10-year median of 0.93 and 13.7% below the Insurance industry median of 1.39. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Prudential Financial (STU:PLL), the current PB Ratio is 1.20 as of Jun. 24, 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:
PB Ratio: 1.20 (29% above median its 10-year median of 0.93)
GF Value™: €96.81 vs. price of €95.30 (1.6% below fair value)
Industry Position: 13.7% below the Insurance median (#197 of 499)
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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