Aureus
AExcellent

Prudential Financial, Inc.(PRU)

A

Financial data as of Dec 31, 2025Improving · Financials

FCF Margin10.3%Free Cash Flow / Revenue
Cash Conversion175.4%Operating CF / Net Income
Free Cash Flow$6.3B
Revenue$61.0B
Net Cash-$3.2BNet debt position
Debt / FCF3.7xElevated debt burden
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth+100.0%4 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseB
→
-1Current ratio below 1.0 (0.00)
→
+1Strong YoY FCF growth (100.0% YoY)
→
-0.5Highly volatile FCF (consistency: 1.61)
→
+1Very low debt-to-FCF ratio (3.7x; 0.2x sector-adjusted)
→
FinalA

Analysis Summary

Strengths

  • Healthy FCF margin (10.3%)
  • Excellent cash conversion (175%)
  • Strong YoY FCF growth (+100.0%)

Concerns

  • Net debt position ($3.2B) — 3.7x FCF, manageable
  • Current ratio below 1.0 — tight short-term liquidity
  • Highly volatile quarterly FCF

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin10.3%
Net Margin5.9%
Operating CF Margin10.3%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$3.2BNet debt position
Debt / FCF3.7xElevated debt burden
Current Ratio0.00Tight liquidity
Debt / Equity0.71Low leverage

Quarterly FCF Trend

+100.0% YoYImproving (+100.0%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NamePrudential Financial, Inc.
SectorFinancials
Free Cash Flow$6.3B
Revenue$61.0B
Net Income$3.6B
Operating Cash Flow$6.3B
Capital Expenditure$0
FCF Margin10.3%
Cash Conversion Rate175.4%
Net Margin5.9%
Total Debt$23.0B
Total Cash$19.7B
Net Cash-$3.2B
Current Ratio0.00
Debt / Equity0.71
Debt / FCF3.7x
YoY FCF Growth+100.0%
Positive Quarters4 of 5
Trend DirectionImproving
Report DateDec 31, 2025
GradeA
Data SourceYahoo Finance

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