PRU Prudential Financial, Inc.

Financial Services

Price

$113.54

Intrinsic value

$73.62

Buy price

$58.89

Discount

-54.2%

Overvalued

Live signals

Daily bars as of Oct 8, 2026

Nothing firing right now - no PAM pattern in the last 5 daily bars, and no DR1 support reclaim in the last 5 weekly bars. Technical confluence is MODERATE (2/3) - see the chart below.

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $10,969,000,000.00
Total debt: $56,684,998,656.00
Cash & STI: $39,136,002,048.00
Shares out.: 348,100,000

Overvalued

Intrinsic value$73.67

Buy price (with MOS)$58.94

Current price$113.54

Discount to intrinsic value-54.1%

7-step quality scorecard

ROE quality

LOW

Average ROE: 6.1%
Current ROE: 11.0%
Minimum ROE: -5.4%

Debt quality

LEVERAGED

Debt / Equity: 1.75x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: 2.83x

Technical chart

Confluence: MODERATE (2/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim (see Live signals above for when it fired).

Assumptions & data quality

Data source: yfinance
Growth (g1) source: min(cfCAGR,revenueCAGR)+decel_adj
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: 76%
Public economic interest: 91.2%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.