PRU Prudential Financial, Inc.
Financial Services
Price
$121.67
Intrinsic value
$73.62
Buy price
$58.89
Discount
-65.3%
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$73.68
Buy price (with MOS)$58.94
Current price$121.67
Discount to intrinsic value-65.1%
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_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 2.83x
Technical chart
Confluence: NONE (0/3)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.
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.