PrudentialCHIX:PRUL -2.15%59 3-Year ROIIC % is 12.78 as of Dec. 2025, which is 3659% above its 10-year median of 0.34. GuruFocus rates CHIX:PRUL with a GF Score™ of 59/100 and a GF Value™ of £12.97 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 336 Insurance companies, Prudential ranks better than 70.83% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Prudential's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 12.78%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Prudential's 3-Year ROIIC % or its related term are showing as below:
CHIX:PRUl's 3-Year ROIIC % is ranked better than 70.83% of 336
companies
in the Insurance industry
Industry Median: 5.16
vs CHIX:PRUl: 12.78
Prudential (CHIX:PRUl) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Prudential 3-Year ROIIC % Related Terms
Prudential 3-Year ROIIC % Historical Data
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The historical data trend for Prudential's 3-Year ROIIC % 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.
CHIX:PRUL vs AFL, MET, PRU: 3-Year ROIIC % Comparison
For the Insurance - Life subindustry, Prudential's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Prudential's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Prudential (CHIX:PRUL) has a 3-Year ROIIC % of 12.78 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Prudential and its competitors. This is 3659% above median its historical median of 0.34. According to the industry distribution chart, Prudential ranks #98 out of 336 companies in the Insurance industry, placing it in the top 29.2%.
Is Prudential's 3-Year ROIIC % too high?
Prudential's current 3-Year ROIIC % of 12.78 is 3659% above median its 10-year median of 0.34. The Insurance industry median 3-Year ROIIC % is 5.16. Prudential's value of 12.78 is 147.7% above this industry median. Based on the distribution chart, Prudential ranks #98 out of 336 companies in the Insurance industry, which is above the industry midpoint. Overall, Prudential has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Prudential's 3-Year ROIIC % compare to AFL and MET?
According to the Insurance industry distribution chart, Prudential ranks #98 out of 336 companies for 3-Year ROIIC %. This puts Prudential in the upper half of its industry. The industry median 3-Year ROIIC % is 5.16. Prudential's value of 12.78 is 147.7% above this benchmark. While the company's 10-year median is 0.34 vs. the industry median of 5.16, Prudential has consistently been above 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.16, based on 336 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential's current 3-Year ROIIC % of 12.78 is 147.7% above 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Prudential and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential's current 3-Year ROIIC % is 12.78, which is 3659% above median its own 10-year median of 0.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prudential stock overvalued right now?
Based on GuruFocus' analysis, Prudential (CHIX:PRUL) is currently considered Modestly Undervalued. The stock's GF Value™ is £12.97, compared to a current price of £10.11 — trading 22.1% below its estimated fair value. The current 3-Year ROIIC % is 12.78, which is 3659% above median its 10-year median of 0.34 and 147.7% above the Insurance industry median of 5.16. Prudential'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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Prudential (CHIX:PRUL), the current 3-Year ROIIC % is 12.78 as of Dec. 2025. 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 (CHIX:PRUL) Overvalued in 2026?
Based on GuruFocus' analysis, Prudential stock appears to be undervalued.
The current stock price of £10.11 is trading 22.1% below its estimated GF Value™ of £12.97.
GuruFocus considers Prudential to be Modestly Undervalued.
Key valuation signals for CHIX:PRUL:
3-Year ROIIC %: 12.78 (3659% above median its 10-year median of 0.34)
GF Value™: £12.97 vs. price of £10.11 (22.1% below fair value)
Industry Position: 147.7% above the Insurance median (#98 of 336)
No single metric tells the full story. See the CHIX:PRUL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Originally established in 1848 as the Prudential Mutual Assurance, Investment, and Loan Association, Prudential has changed a lot since. Set up to sell life insurance and loans to the middle class, the company subsequently diversified into Europe and then North America with the purchase of Jackson National Life around 1985. During its time as owner of Jackson, Prudential focused on building a simple chassis-style product portfolio that allowed customers to choose from a variety of add-ons. The company also became renowned for its focus on building the internal capabilities required to support its strong product offerings, including compelling technology and a large well-trained wholesale salesforce.
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