What is Prudential Finl's earnings per share (EPS)?

Prudential Finl (PRS) reported diluted earnings per share of $9.99 for fiscal year 2025. This represents a 33.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Prudential Finl Financials

PRS

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Prudential Finl (PRS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PRS FY2025 2026-04-22

A thin-equity, balance-sheet-driven model turns modest asset returns into respectable shareholder returns, but cash generation does not fully self-fund expansion.

From FY2024 to FY2025, net income quality diverged from reported profit: earnings rose from $2.7B to $3.6B, but operating cash flow fell from $8.5B to $6.3B. At the same time, investing outflows stayed above $25B and financing inflows remained near $20B, showing that recent capital deployment relied on the balance sheet more than on stronger cash conversion.

With $773.7B of assets supported by only $32.4B of equity, small asset-level economics get magnified at the shareholder level. That is why an ROA of just 0.5% still became an ROE of 11.0% in FY2025, a clue that this business runs on balance-sheet scale rather than fat operating margins.

The capital structure is more nuanced than the headline liabilities suggest: long-term debt was $18.9B while cash was $19.7B. That means term debt is not the main funding engine; the bigger operating reality is managing a very large pool of non-equity obligations, which makes asset-liability discipline central to how the company operates.

Financial Health Signals

Financial Profile 28/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Prudential Finl's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Prudential Finl's revenue declined 13.7% year-over-year, from $70.4B to $60.8B. This contraction results in a growth score of 44/100.

Leverage

Prudential Finl carries a low D/E ratio of 0.58, meaning only $0.58 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 90/100, indicating a strong balance sheet with room for future borrowing.

Returns

Prudential Finl's ROE of 11.0% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 9.8% the prior year.

Piotroski F-Score Neutral

6/9

Prudential Finl passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.75x

For every $1 of reported earnings, Prudential Finl generates $1.75 in operating cash flow ($6.3B OCF vs $3.6B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$60.8B

YoY-13.7%

5Y CAGR+1.3%

10Y CAGR+0.6%

Prudential Finl generated $60.8B in revenue in fiscal year 2025. This represents a decrease of 13.7% from the prior year.

EBITDA

N/A

Net Income

$3.6B

YoY+31.1%

10Y CAGR-4.5%

Prudential Finl reported $3.6B in net income in fiscal year 2025. This represents an increase of 31.1% from the prior year.

EPS (Diluted)

$9.99

YoY+33.2%

10Y CAGR-2.0%

Prudential Finl earned $9.99 per diluted share (EPS) in fiscal year 2025. This represents an increase of 33.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$19.7B

YoY+6.6%

5Y CAGR+7.5%

10Y CAGR+1.1%

Prudential Finl held $19.7B in cash against $18.9B in long-term debt as of fiscal year 2025.

Dividends Per Share

$5.40

YoY+3.8%

5Y CAGR+4.2%

10Y CAGR+8.3%

Prudential Finl paid $5.40 per share in dividends in fiscal year 2025. This represents an increase of 3.8% from the prior year.

Shares Outstanding

348M

YoY-1.7%

5Y CAGR-2.6%

10Y CAGR-2.5%

Prudential Finl had 348M shares outstanding in fiscal year 2025. This represents a decrease of 1.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

5.9%

YoY+2.0pp

5Y CAGR+6.5pp

10Y CAGR-4.0pp

Prudential Finl's net profit margin was 5.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.0 percentage points from the prior year.

Return on Equity

11.0%

YoY+1.2pp

5Y CAGR+11.6pp

10Y CAGR-2.4pp

Prudential Finl's ROE was 11.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.0B

YoY+0.0%

5Y CAGR+14.9%

10Y CAGR-0.1%

Prudential Finl spent $1.0B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 0.0% from the prior year.

Capital Expenditures

N/A

PRS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$60.8B-13.7%	$70.4B+30.4%	$54.0B-5.1%	$56.9B-20.2%	$71.2B+24.9%	$57.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$13.0B-2.5%	$13.3B+3.0%	$13.0B+3.0%	$12.6B-7.6%	$13.6B-2.2%	$13.9B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$2.0B+15.1%	$1.8B+10.4%	$1.6B+8.1%	$1.5B-5.3%	$1.6B
Income Tax	$1.1B+107.7%	$507.0M-17.3%	$613.0M+319.7%	-$279.0M-114.0%	$2.0B+2563.0%	-$81.0M
Net Income	$3.6B+31.1%	$2.7B+9.6%	$2.5B+251.1%	-$1.6B-118.6%	$8.9B+2471.1%	-$374.0M
EPS (Diluted)	$9.99+33.2%	$7.50+11.3%	$6.74+250.1%	$-4.49-120.0%	$22.40+2340.0%	$-1.00

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$15.5B-1.0%	$15.7B-12.3%	$17.9B+30.3%	$13.7B+1.9%	$13.5B+7.6%	$12.5B-35.7%	$19.5B+31.0%	$14.9B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.5B-0.2%	$3.5B+6.1%	$3.3B+3.2%	$3.2B+3.0%	$3.1B-6.9%	$3.3B0.0%	$3.3B+5.9%	$3.1B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$129.0M-52.0%	$269.0M-29.6%	$382.0M+95.9%	$195.0M-5.8%	$207.0M+211.3%	-$186.0M-232.9%	$140.0M-47.0%	$264.0M
Net Income	$597.0M-34.0%	$905.0M-36.8%	$1.4B+168.5%	$533.0M-24.6%	$707.0M+1340.4%	-$57.0M-112.7%	$448.0M-62.6%	$1.2B
EPS (Diluted)	$1.68	N/A	$4.01+170.9%	$1.48-24.5%	$1.96	N/A	$1.24-62.2%	$3.28

PRS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$773.7B+5.2%	$735.6B+2.0%	$721.2B+4.7%	$689.0B-26.5%	$937.6B-0.3%	$940.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$19.7B+6.6%	$18.5B-4.7%	$19.4B+12.6%	$17.3B+33.9%	$12.9B-5.9%	$13.7B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.1B+3.5%	$1.1B-1.7%	$1.1B+22.3%	$876.0M-51.4%	$1.8B-40.6%	$3.0B
Total Liabilities	$738.2B+4.6%	$705.5B+2.0%	$691.3B+5.2%	$657.1B-24.9%	$875.0B+0.3%	$872.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$18.9B-1.7%	$19.2B+1.6%	$18.9B-5.2%	$19.9B+6.9%	$18.6B-5.6%	$19.7B
Total Equity	$32.4B+16.4%	$27.9B+0.2%	$27.8B-9.1%	$30.6B-50.6%	$61.9B-8.2%	$67.4B
Retained Earnings	$34.8B+5.0%	$33.2B+2.6%	$32.4B+2.0%	$31.7B-13.5%	$36.7B+19.2%	$30.7B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$765.4B-1.1%	$773.7B-0.3%	$776.3B+2.3%	$759.0B+2.7%	$739.3B+0.5%	$735.6B-3.2%	$760.3B+6.3%	$715.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$15.9B-19.2%	$19.7B+12.8%	$17.5B+5.0%	$16.6B+3.6%	$16.1B-13.2%	$18.5B-8.4%	$20.2B+18.0%	$17.1B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$1.1B	N/A	N/A	N/A	$1.1B	N/A	N/A
Total Liabilities	$730.5B-1.0%	$738.2B-0.4%	$741.5B+2.2%	$725.8B+2.7%	$707.0B+0.2%	$705.5B-3.1%	$727.7B+6.2%	$685.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$18.9B+0.1%	$18.9B+0.3%	$18.8B+0.8%	$18.7B-4.5%	$19.5B+1.8%	$19.2B+0.6%	$19.1B-1.4%	$19.4B
Total Equity	$32.0B-1.4%	$32.4B+1.1%	$32.1B+4.9%	$30.6B+2.3%	$29.9B+7.2%	$27.9B-8.4%	$30.4B+8.6%	$28.0B
Retained Earnings	$34.9B+0.3%	$34.8B+1.2%	$34.4B+2.8%	$33.5B+0.1%	$33.4B+0.7%	$33.2B-1.6%	$33.7B-0.1%	$33.7B

PRS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$6.3B-26.2%	$8.5B+30.6%	$6.5B+26.2%	$5.2B-47.4%	$9.8B+17.3%	$8.4B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$25.9B+9.4%	-$28.6B-135.8%	-$12.1B-58.7%	-$7.6B-43.0%	-$5.3B+67.0%	-$16.2B
Financing Cash Flow	$20.8B+7.1%	$19.4B+150.6%	$7.7B+56.9%	$4.9B+263.8%	-$3.0B-161.7%	$4.9B
Dividends Paid	$1.9B+1.9%	$1.9B+2.4%	$1.8B+1.6%	$1.8B+0.2%	$1.8B+2.7%	$1.8B
Share Buybacks	$1.0B0.0%	$1.0B-1.2%	$1.0B-32.0%	$1.5B-40.5%	$2.5B+400.0%	$500.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$1.0B-69.6%	$3.3B-22.7%	$4.3B+269.7%	$1.2B+146.4%	-$2.5B-207.9%	$2.3B+110.1%	$1.1B+856.8%	-$146.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$10.2B-90.0%	-$5.4B+42.0%	-$9.2B-58.6%	-$5.8B-6.6%	-$5.5B+25.1%	-$7.3B-28.1%	-$5.7B-6.7%	-$5.3B
Financing Cash Flow	$5.4B+23.7%	$4.4B-23.2%	$5.7B+11.2%	$5.1B-6.4%	$5.5B+60.8%	$3.4B-54.0%	$7.4B+85.6%	$4.0B
Dividends Paid	$502.0M+5.7%	$475.0M-0.8%	$479.0M-0.4%	$481.0M-2.0%	$491.0M+5.1%	$467.0M-0.4%	$469.0M-0.6%	$472.0M
Share Buybacks	$246.0M-3.1%	$254.0M+1.6%	$250.0M0.0%	$250.0M+1.6%	$246.0M-3.1%	$254.0M+0.4%	$253.0M+0.8%	$251.0M

PRS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	5.9%+2.0pp	3.9%-0.7pp	4.6%+7.5pp	-2.9%-15.3pp	12.4%+13.1pp	-0.7%
Return on Equity	11.0%+1.2pp	9.8%+0.8pp	8.9%+14.3pp	-5.4%-19.7pp	14.3%+14.9pp	-0.5%
Return on Assets	0.5%+0.1pp	0.4%+0.0pp	0.3%+0.6pp	-0.2%-1.2pp	0.9%+1.0pp	-0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.58-0.1	0.690.0	0.68+0.0	0.65+0.3	0.300.0	0.29
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	3.9%-1.9pp	5.8%-2.2pp	8.0%+4.1pp	3.9%-1.4pp	5.3%+5.7pp	-0.5%-2.8pp	2.3%-5.8pp	8.1%
Return on Equity	1.9%-0.9pp	2.8%-1.7pp	4.5%+2.7pp	1.7%-0.6pp	2.4%+2.6pp	-0.2%-1.7pp	1.5%-2.8pp	4.3%
Return on Assets	0.1%-0.0pp	0.1%-0.1pp	0.2%+0.1pp	0.1%-0.0pp	0.1%+0.1pp	-0.0%-0.1pp	0.1%-0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.590.0	0.580.0	0.59-0.0	0.61-0.0	0.65-0.0	0.69+0.1	0.63-0.1	0.69
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

What is Prudential Finl's annual revenue?

Prudential Finl (PRS) reported $60.8B in total revenue for fiscal year 2025. This represents a -13.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Prudential Finl's revenue growing?

Prudential Finl (PRS) revenue declined by 13.7% year-over-year, from $70.4B to $60.8B in fiscal year 2025.

Is Prudential Finl profitable?

Yes, Prudential Finl (PRS) reported a net income of $3.6B in fiscal year 2025, with a net profit margin of 5.9%.

How much debt does Prudential Finl have?

As of fiscal year 2025, Prudential Finl (PRS) had $19.7B in cash and equivalents against $18.9B in long-term debt.

What is Prudential Finl's net profit margin?

Prudential Finl (PRS) had a net profit margin of 5.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Prudential Finl pay dividends?

Yes, Prudential Finl (PRS) paid $5.40 per share in dividends during fiscal year 2025.

What is Prudential Finl's return on equity (ROE)?

Prudential Finl (PRS) has a return on equity of 11.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Prudential Finl's operating cash flow?

Prudential Finl (PRS) generated $6.3B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Prudential Finl's total assets?

Prudential Finl (PRS) had $773.7B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Prudential Finl buy back shares?

Yes, Prudential Finl (PRS) spent $1.0B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Prudential Finl have outstanding?

Prudential Finl (PRS) had 348M shares outstanding as of fiscal year 2025.

What is Prudential Finl's debt-to-equity ratio?

Prudential Finl (PRS) had a debt-to-equity ratio of 0.58 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Prudential Finl's return on assets (ROA)?

Prudential Finl (PRS) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Prudential Finl's Piotroski F-Score?

Prudential Finl (PRS) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Prudential Finl's earnings high quality?

Prudential Finl (PRS) has an earnings quality ratio of 1.75x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Prudential Finl?

Prudential Finl (PRS) scores 28 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.