PRUPRUDENTIAL FINANCIAL INC

Life Insurance

Revenue: $60.8B; 14% YoY
Operating margin: —
EBITDA: —
Market cap: $40.2B
Employees: 161; $377M revenue each
Net debt / EBITDA: —; $4.5B net debt
AI in 10-K: 1.5; mentions per 10K words

Takeover score 0 of 13

Fixable underperformance 0 of 7

TSR below peersNo
—
3+ of last 5 years
High CEO pay despite TSRNo
—
Median CEO pay ≥ $15M while TSR trails
Earnings not backed by cashNo
175% of net income
Cash flow under 80% of net income
Dilutive SBCNo
0% of revenue
Over 10% of revenue
Payouts exceed cash flowNo
47% of cash flow
Buybacks + dividends over cash flow
Goodwill-heavyNo
0% of assets
Over 40% of assets
Shareholder dissentNo
91% lowest support
Any vote under 80% support

Buyer economics 0 of 4

Low revenue per employeeNo
$377M · 100th pct
Bottom quartile of its SIC industry
Quiet on AINo
1.5 per 10K words · 46th pct
Bottom quartile of AI mentions in 10-Ks
Net cashNo
—
More cash than debt, positive EBITDA
Buyout-sizedNo
$40.2B market cap
Market cap $500M–$5B

Catalysts 0 of 2

Active 13DNo
0 filings
Active-intent 13D in 18 months
Net insider sellingNo
$80M net
Net sales over $10M in 12 months

Financials

Metric	FY2021	FY2022	FY2023	FY2024	FY2025	YoY	Trend
Revenue	$71.2B	$56.9B	$54.0B	$70.4B	$60.8B	14%
Net income	$8.9B	−$1.6B	$2.5B	$2.7B	$3.6B	31%
Operating cash flow	$9.8B	$5.2B	$6.5B	$8.5B	$6.3B	26%
Stock-based comp	$268M	$208M	$254M	$314M	$257M	18%
Buybacks	$2.5B	$1.5B	$1.0B	$1.0B	$1.0B	0.0%
Dividends	$1.8B	$1.8B	$1.8B	$1.9B	$1.9B	1.9%

Deal filings

None.

13D filers

None on file.

Insider trading

Open-market buys, 12 mo: $103M · 7
Open-market sells, 12 mo: $24M · 10
Net: $80M

Pay vs performance

No pay-versus-performance disclosure yet.