PRU
PRUDENTIAL FINANCIAL INCEvidence as of 2026-09-02Overview · PRUDENTIAL FINANCIAL INC
Prudential Financial, Inc., together with its subsidiaries, provides insurance, investment management, and other financial products and services in the United States and internationally. It operates through PGIM, Retirement Strategies, Group Insurance, Individual Annuities, Individual Life, Assurance IQ, and International Businesses segments. The company offers investment management services and solutions related to…
Management team
- Ms. Margaret Mary Foran · Chief Governance Officer, Senior VP & Corporate SecretaryFind on LinkedIn
- Mr. Bernard Joseph Jacob · Senior VP & CFO of U.S. BusinessesFind on LinkedIn
- Mr. Todd Shriber · Vice President of Life Distribution and SalesFind on LinkedIn
- Mr. Robert Boyle · Senior VP, Controller & Principal Accounting OfficerFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.3 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Mixed (+0.3 of +2) with high confidence. Shares outstanding fell from 359,000,000 as of 2024-04-30 to 345,000,000 as of 2026-07-31, and the company reports roughly $ 1.642 trillion of assets under management as of June 30, 2026. Reported long-term noncurrent debt rose modestly from $ 19,187,000,000 as of 2024-12-31 to $ 19,663,000,000 as of 2026-06-30, and cash and cash equivalents were $ 15,162,000,000 on 2026-06-30 implying net debt of about $ 4,501,000,000.
Operating and market metrics in the surviving record show revenues for the three months ended 30 June rose to $ 15,661,000,000 from $ 13,726,000,000 year-over-year, reported net income for the same three-month pair moved from $ 533,000,000 to $ 985,000,000 and diluted EPS from $ 1.48 to $ 2.80, and trailing twelve‑month EPS of 9.97 implies a trailing P/E of 11.75 at the market price of $ 117.14. Market signals include three‑month momentum +14.0%, six‑month momentum +20.2% (80th percentile), a dividend yield of 5.04% (94th percentile), beta versus SPY of 0.65, and a 90‑day annualized volatility of 20.0% (16th percentile).
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Shares outstanding decreased from 359,000,000 as of 2024-04-30 to 345,000,000 as of 2026-07-31.
XBRL companyfacts · 0001137774-24-000068The company recorded PaymentsForRepurchaseOfCommonStock of $246,000,000 in the quarter ended 2025-03-31 and $246,000,000 in the quarter ended 2026-03-31, showing repeat repurchase activity at that quarterly amount in both periods.
XBRL companyfacts · 0001137774-25-000060weakened in debateReads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
As of June 30, 2026, Prudential Financial reports approximately $1.642 trillion of assets under management.
10-Q filed 2026-08-05Effective January 1, 2026, the company reorganized segment reporting to create a new "U.S. Legacy Products" segment that combines traditional variable annuities with guaranteed living benefit riders and certain other annuity products and guaranteed universal life policies, and to combine remaining annuity blocks into a new "Retirement" segment, with these changes applied retrospectively.
10-Q filed 2026-08-05Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
Three-month momentum as of 2026-09-01 is +14.0% and six-month momentum is +20.2%, with six-month momentum at the 80th percentile of the 547-stock research universe.
Moneyta signal set · 2026-09-01Dividend yield (trailing twelve months) is +5.04% and dividend yield ranks at the 94th percentile of the 547-stock universe as of 2026-09-01.
Moneyta signal set · 2026-09-01Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
13F holdings reported a total institutional value of $20.82B for the quarter ended 2026-03-31 (13F filings carry a 45-day reporting lag).
13F holdings · 1351 filers · as of 2026-03-31Reported institutional value declined 13.2% quarter-over-quarter and the reported holder count fell by 63, with 195 exited positions in the quarter ended 2026-03-31.
13F holdings · 1351 filers · as of 2026-03-31weakened in debateReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Kalkinemedia published a piece framing Prudential Financial (NYSE:PRU) alongside Aflac and Globe Life around their exposure to shifting interest rate conditions (article focuses on the 'rate question').
News · kalkinemedia.com · 2026-09-01The Lincolnian Online reported that Empowered Funds LLC acquired 41,927 shares of Prudential Financial, Inc. during the second quarter, based on a 13F filing.
News · thelincolnianonline.com · 2026-09-01Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
ANN M KAPPLER (EVP and General Counsel) sold 7,652 shares for a total of "$957k" (≈$125.06 per share) in a transaction reported on 14 August 2026; the filing does not indicate a 10b5-1 trading plan.
Form 4 · KAPPLER ANN M (EVP and General Counsel) · $957k sold · 2026-08-14ANN M KAPPLER (EVP and General Counsel) sold 13,580 shares for a total of "$1.4M" (≈$103.06 per share) in a transaction reported on 14 May 2026; the filing does not indicate a 10b5-1 trading plan.
Form 4 · KAPPLER ANN M (EVP and General Counsel) · $1.4M sold · 2026-05-14Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The market price used is 117.14 per share as of 2026-09-01.
Valuation inputs · SEC XBRL + stored EOD closeTrailing twelve-month EPS is 9.97, producing a trailing P/E of 11.75.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
The company-filed fundamentals and filings provide strong, company-specific evidence of improving operating performance and shareholder return activity: quarter-to-quarter revenue, net income, and diluted EPS show material increases in Q2 2026 versus Q2 2025, shares outstanding have declined and the company recorded repeat quarterly repurchases, and AUM is reported at $1.642 trillion — all filing-sourced items that together support a favorable operational and capital-allocation read. Market-signal evidence (high dividend yield, positive 3- and 6-month momentum, low beta and relative volatility, price >200-day SMA with a 44-day golden cross) is supportive and consistent with a constructive market reception; these signals are moderate-to-strong evidence about investor sentiment and relative stability. In response to bearish points, insider dispositions and a one-quarter drop in reported institutional value are weaker, potentially noisy signals (thin sampling, timing-limited) compared with repeated repurchase disclosures and multi-period earnings improvements; similarly, the three-year maximum drawdown is a historical, multi-year observation that does not negate the more recent momentum and operating improvements. Evidence strength: filing-based fundamentals and repurchase/AUM disclosures are strong; market momentum, dividend and volatility signals are moderate-strength; insider selling and single-quarter institutional outflows are weaker evidence.
Chair's verdict, claim by claim
Fragility · computed, not argued
diversified0.29
37 surviving claims rest on 20 distinct sources; the heaviest analyst carries 16% of them, and 95% of what the desk raised survived the debate.
The evidence set is moderately robust: 37 surviving claims draw on 20 distinct sources, so there is some breadth, but a single analyst contributes a meaningful share (16%) which raises sensitivity to that analyst's judgments. Additionally, a 95% survival rate from the desk debate implies few internal challenges survived — useful for confidence but also signaling potential confirmation persistence; treat individual claims as informative but somewhat brittle to new, high-quality contradictory filings or market moves.
Peer context · computed, not argued
12-1 momentum ranks 2nd of 2 in Insurance—Life (as of 2026-09-01).
90-day volatility ranks 2nd of 2 in Insurance—Life (as of 2026-09-01).
dividend yield ranks 1st of 2 in Insurance—Life (as of 2026-09-01).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
20 filings· 3 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.7 to the score
6 documents· 2 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.6 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash+0.8 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.3 to the score
5 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
5 filings· 2 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state — stated and inferred flags kept apart.
Read by Talbot−1.0 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on PRU Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.