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Prudential FinancialPRU -1.06%65 Shiller PE Ratio is 11.16 as of Sep. 09, 2026, which is 2% below its 10-year median of 11.34. GuruFocus rates PRU with a GF Score™ of 65/100 and a GF Value™ of $110.03 (Fairly Valued). The stock has 7 warning signs investors should review. Among 366 Insurance companies, Prudential Financial ranks better than 72.68% on this metric.
The historical rank and industry rank for Prudential Financial's Shiller PE Ratio or its related term are showing as below:
PRU'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.16 Med: 11.34 Max: 20.73
Current: 11.16
During the past years, Prudential Financial's highest Shiller PE Ratio was 20.73. The lowest was 5.16. And the median was 11.34.
PRU's Shiller PE Ratio is ranked better than 72.68% of 366
companies
in the Insurance industry
Industry Median: 16.675
vs PRU: 11.16
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Prudential Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was $2.795. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $10.58 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Prudential Financial (NYSE:PRU) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Prudential Financial Shiller PE Ratio Related Terms
Prudential Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Prudential Financial's Shiller PE 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 Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Prudential Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Prudential Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Prudential Financial (PRU) has a Shiller PE Ratio of 11.16 as of Sep. 09, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Prudential Financial and its competitors. This is near median its historical median of 11.34. Over the past decade, Prudential Financial's Shiller PE Ratio has ranged from 5.16 to 20.73. According to the industry distribution chart, Prudential Financial ranks #100 out of 366 companies in the Insurance industry, placing it in the top 27.3%.
Is Prudential Financial's Shiller PE Ratio too high?
Prudential Financial's current Shiller PE Ratio of 11.16 is near median its 10-year median of 11.34. Over the past 10 years, this metric has ranged from a low of 5.16 to a high of 20.73. The Insurance industry median Shiller PE Ratio is 16.68. Prudential Financial's value of 11.16 is 33.1% below this industry median. Based on the distribution chart, Prudential Financial ranks #100 out of 366 companies in the Insurance industry, which is above the industry midpoint. Overall, Prudential Financial has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prudential Financial's Shiller PE Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Prudential Financial ranks #100 out of 366 companies for Shiller PE Ratio. This puts Prudential Financial in the upper half of its industry. The industry median Shiller PE Ratio is 16.68. Prudential Financial's value of 11.16 is 33.1% below this benchmark. Historically, Prudential Financial's own Shiller PE Ratio has ranged from 5.16 to 20.73 over the past decade. While the company's 10-year median is 11.34 vs. the industry median of 16.68, 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 Shiller PE Ratio for an Insurance company?
The median Shiller PE Ratio among Insurance companies is 16.68, based on 366 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Prudential Financial's current Shiller PE Ratio of 11.16 is 33.1% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Prudential Financial and its competitors. For the Insurance industry, the median Shiller PE Ratio is 16.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Prudential Financial's current Shiller PE Ratio is 11.16, which is near median its own 10-year median of 11.34. 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 (PRU) is currently considered Fairly Valued. The stock's GF Value™ is $110.03, compared to a current price of $118.11 — trading 7.3% above its estimated fair value. The current Shiller PE Ratio is 11.16, which is near median its 10-year median of 11.34 and 33.1% below the Insurance industry median of 16.68. Prudential Financial's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Prudential Financial (PRU), the current Shiller PE Ratio is 11.16 as of Sep. 09, 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 (PRU) Overvalued in 2026?
Based on GuruFocus' analysis, Prudential Financial stock appears to be overvalued.
The current stock price of $118.11 is trading 7.3% above its estimated GF Value™ of $110.03.
GuruFocus considers Prudential Financial to be Fairly Valued.
Key valuation signals for PRU:
Shiller PE Ratio: 11.16 (near median its 10-year median of 11.34)
GF Value™: $110.03 vs. price of $118.11 (7.3% above fair value)
Industry Position: 33.1% below the Insurance median (#100 of 366)
No single metric tells the full story. See the PRU 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.
65GF Score
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