Should I buy Prudential Financial stock in 2025?
Is it the right time to buy Prudential Financial?
ScorePrudential Financial (PRU), one of the largest US-based financial services and life insurance companies, is currently trading at approximately $109.09 on the NYSE, with a recent average daily trading volume of 1.84 million shares. While 2025 began with a slightly negative YTD performance (-7.94%), the stock has held up well relative to broader market uncertainties, supported by a proven track record and robust capital position. Recent changes in the executive team—Andrew Sullivan’s appointment as CEO and Charles F. Lowrey becoming Executive Chairman—have been smoothly executed and positively received by the market, signaling leadership stability. Additionally, the expansion of PGIM’s partnership with Affirm enhances Prudential’s strategic footprint in private credit markets, pointing towards meaningful growth potential. The Insurance sector continues to benefit from demographic trends such as the aging US population and increased demand for diversified retirement solutions. The dividend yield sits attractively at 4.95%, appealing to income-focused investors, and the sector outlook appears resilient. The consensus among more than 18 national and international banks sets a target price of $141.82, reflecting ongoing confidence in Prudential’s fundamentals. For investors seeking a combination of stability, income, and moderate growth exposure in US financials, PRU offers compelling characteristics worth consideration.
- ✅Attractive 4.95% dividend yield, among the highest in the insurance sector.
- ✅Leadership stability with well-received executive transitions.
- ✅Strategic partnerships expanding PGIM’s footprint in private credit markets.
- ✅Strong brand with 150 years of operating history and proven resilience.
- ✅Broad diversification across insurance, retirement, and asset management.
- ❌Recent earnings declined from previous year, reflecting industry-wide headwinds.
- ❌Sensitive to interest rate changes and competitive pressures in asset management.
Score- ✅Attractive 4.95% dividend yield, among the highest in the insurance sector.
- ✅Leadership stability with well-received executive transitions.
- ✅Strategic partnerships expanding PGIM’s footprint in private credit markets.
- ✅Strong brand with 150 years of operating history and proven resilience.
- ✅Broad diversification across insurance, retirement, and asset management.
Is it the right time to buy Prudential Financial?
- ✅Attractive 4.95% dividend yield, among the highest in the insurance sector.
- ✅Leadership stability with well-received executive transitions.
- ✅Strategic partnerships expanding PGIM’s footprint in private credit markets.
- ✅Strong brand with 150 years of operating history and proven resilience.
- ✅Broad diversification across insurance, retirement, and asset management.
- ❌Recent earnings declined from previous year, reflecting industry-wide headwinds.
- ❌Sensitive to interest rate changes and competitive pressures in asset management.
Score- ✅Attractive 4.95% dividend yield, among the highest in the insurance sector.
- ✅Leadership stability with well-received executive transitions.
- ✅Strategic partnerships expanding PGIM’s footprint in private credit markets.
- ✅Strong brand with 150 years of operating history and proven resilience.
- ✅Broad diversification across insurance, retirement, and asset management.
- What Is Prudential Financial?
- How much is Prudential Financial stock?
- Our full analysis of the Prudential Financial stock
- How to buy Prudential Financial stock in the United States
- Our 7 tips for buying Prudential Financial stock
- The latest news about Prudential Financial
- FAQ
Why trust HelloSafe ?
At HelloSafe, our expert has been tracking the performance of Prudential Financial for over three years. Every month, over a million users in the US trust us to decipher market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Prudential Financial.
What Is Prudential Financial?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | United States | US-based firm with strong local identity and broad presence. |
| 💼 Market | NYSE | Listed on the New York Stock Exchange, ensuring high liquidity. |
| 🏛️ ISIN code | US7443201022 | US ISIN code enables broad domestic and international access. |
| 👤 CEO | Andrew Sullivan | New CEO since March 2025; leadership transition well received. |
| 🏢 Market cap | $38.47 billion | Solid capitalization offers stability, though below industry giants. |
| 📈 Revenue | $60.37 billion (TTM) | Strong revenue base reflects diversified insurance and asset management. |
| 💹 EBITDA | $4.045 billion (TTM, estimated) | Indicates moderate operating profit; room for margin improvement. |
| 📊 P/E Ratio (Price/Earnings) | 17.28 | Fair valuation; offers potential with improving sector outlook. |
How much is Prudential Financial stock?
The price of Prudential Financial stock is rising this week. The current share price stands at $109.09, with a 24-hour increase of $0.43 (+0.40%) and a weekly change of -2.23%. Prudential Financial has a market capitalization of $38.47 billion, an average three-month trading volume of 1.84 million shares, and a price-to-earnings (P/E) ratio of 17.28. The dividend yield is an attractive 4.95%, and the stock’s beta is exactly 1.00, indicating average market volatility. These factors combine to make the stock appealing for investors seeking both income and steady performance.
Our full analysis of the Prudential Financial stock
After a thorough review of Prudential Financial’s most recent financial statements and its stock behavior over the past three years, our analysis integrates both proprietary financial modeling and external data sources—ranging from technical indicators to peer comparisons. This multi-dimensional approach provides a robust basis to understand current market forces and emerging opportunities. So, why might Prudential Financial stock once again become a strategic entry point into the financials sector in 2025?
Recent performance and market context
Prudential Financial has delivered a resilient stock performance in a mixed environment. Despite a modest pullback—down 2.23% over the past week and -5.20% over the past month—the current share price stands at $109.09, within a stable range of $90.38 to $130.55 for the last 52 weeks. The company boasts a sizable $38.47 billion market cap, reflecting sustained institutional confidence. Key positives include a recently completed, well-received CEO transition and strong momentum following strategic expansions in its PGIM asset management division. Furthermore, the life insurance and retirement services sector is benefitting from demographic growth, rising interest rates, and heightened consumer focus on financial security. Combined, these factors position Prudential Financial favorably in an evolving US financial landscape.
Technical analysis
Technically, Prudential Financial exhibits a structure that suggests growing bullish momentum. The 14-day RSI is balanced at 63.48—neither overbought nor oversold—highlighting sustained buying interest. The MACD has turned positive since June 6, 2025, signaling upside price potential, while the majority of short- and medium-term moving averages (20, 50, 100 days) are flashing buy signals with share prices comfortably above support levels such as $107.44 and $105.88. Importantly, there is a strong confluence of technical buyers between $104 and $107, with key resistance close by at $110.12 and $111.24. This interplay establishes an asymmetric risk/reward profile, making current or modestly lower prices an attractive technical entry for active investors.
Fundamental analysis
- Total revenue stands at $60.37 billion (TTM), supported by diversified operations across life insurance, annuities, and fast-growing asset management.
- Despite a temporary dip in Q1 2025 earnings ($707 million net profit vs. $1.138 billion prior year), management has maintained a generous $1.35 per share quarterly dividend, emphasizing stability.
- The stock's P/E ratio of 17.28 remains well below sector highs, positioning Prudential as attractively valued for growth and income portfolios.
- Return on equity of 7.91% and prudent capital ratios bolster long-term confidence.
- The firm’s brand commands enduring trust, while deep-rooted relationships with both institutional and retail clients provide resilience against economic cycles.
- Recent expansions in digital financial services and private credit via PGIM underscore a forward-looking, innovative business mix.
Volume and liquidity
Prudential Financial’s average trading volume of 1.84 million shares (over 65 days) ensures healthy liquidity, allowing efficient execution for institutions and individuals alike. With nearly all of its 354 million shares floating and a broad shareholder base, the stock enjoys a dynamic valuation environment, reducing the risk of illiquidity and abnormal price swings. This also strengthens market confidence and supports potential re-rating as new positive catalysts emerge.
Catalysts and positive outlook
- Strategic product launches: PGIM is expanding into private credit and alternative assets, tapping high-margin and growing business lines.
- Demographic tailwinds: The aging US population is driving sustained demand for life insurance and retirement solutions.
- ESG leadership: The company’s commitment to sustainable investing and green initiatives resonates strongly with modern institutional investors.
- Geographic and business diversification: Enhanced global reach and a strong showing in the US amplify risk-adjusted returns.
- Technology and innovation: New offerings in digital advisory and customized insurance reflect an agile and adaptive business culture.
- Management continuity: The recent CEO transition to Andrew Sullivan was well orchestrated, maintaining leadership strength and strategic continuity.
- Upcoming earnings: The Q2 2025 earnings report, due July 30, could inject renewed optimism if trends in asset management and premium growth continue to surprise to the upside.
Investment strategies
- Short term: Attractive technical setup near support levels and ahead of the next earnings release invite tactical buy opportunities. Traders may target a first resistance at $111.24.
- Medium term: Stable dividend income, positive sector momentum, and new business drivers (PGIM expansion, digital innovation) legitimize a core buy-and-hold allocation as the stock approaches consensus analyst targets of $113.29 and potentially $141.82 (+30% upside).
- Long term: For buy-and-hold investors, Prudential Financial’s defensive business model, strong brand, stable capital structure, and progressive diversification signal the potential for above-market compound returns. The current valuation allows strong upside if the firm’s strategic plans and sector tailwinds materialize fully.
- Ideal positioning: Accumulating shares on mild pullbacks—ideally between $104 and $109—may optimize both risk and return, especially for those seeking yield and capital appreciation.
Is it the right time to buy Prudential Financial?
Synthesizing the evidence, Prudential Financial stands out for a robust business mix, attractive dividend yield (4.95%), and a valuation that remains well below its historical and sector highs. Technical signals, combined with sector tailwinds and management stability, justify renewed investor interest. The stock’s solid fundamentals, ongoing innovation in asset management, and clear demographic catalysts point toward the start of a potential new bullish phase. For investors seeking a blend of income, stability, and growth opportunity within the US financial sector, Prudential Financial seems to represent an excellent opportunity at current levels. Now may be the ideal moment to consider a strategic position in this industry leader.
How to buy Prudential Financial stock in the United States
Buying Prudential Financial stock online is straightforward and secure when you use a regulated US broker. Investors generally choose between two main options: buying the shares outright (spot/cash) or trading them via CFDs (Contracts for Difference). Both approaches are accessible online from any computer or smartphone, and reputable brokers provide clear, step-by-step instructions along with investor safeguards. Spot buying gives you ownership of the actual shares, while CFDs let you speculate on price movements with the option to use leverage. For details on broker offerings, see our comparison lower on the page.
Spot buying
When you buy Prudential Financial shares for cash, you become a registered shareholder and own a part of the company. Most US brokers charge a fixed commission for each order, typically between $0 and $7 per trade. As a shareholder, you also benefit from any dividends paid and potential capital gains as the share price rises.
Gain scenario
If the Prudential Financial share price is $109, you can buy around 9 shares with a $1,000 stake, including a brokerage fee of around $5.
If the share price rises by 10%, your shares are now worth $1,100.
Result: +$100 gross gain, i.e. +10% on your investment.
Trading via CFD
CFD trading allows you to speculate on the rise or fall of Prudential Financial shares without owning them. Here, you earn (or lose) based on the price change, rather than holding the actual stock, and you can use leverage to increase your market exposure. Fees on CFDs usually include the spread (difference between buy and sell price) and overnight financing charges if you hold positions past one day.
CFD Leverage Example: Gain Scenario
You open a CFD position on Prudential Financial shares, with 5x leverage.
This gives you a market exposure of $5,000.
Gain scenario:
If the stock rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain, on a bet of $1,000 (excluding fees).
Final advice
It’s always important to compare brokers’ commissions, spreads, and terms before investing, as fees can significantly affect your returns. Your choice between cash buying and CFD trading should fit your investment goals and appetite for risk. For a side-by-side broker comparison, just scroll down to the section further on this page.
Check out the USA's best brokers!Compare brokersOur 7 tips for buying Prudential Financial stock
| 📊 Step | 📝 Specific tip for Prudential Financial |
|---|---|
| Analyze the market | Review trends in the US life insurance and asset management sectors, with a focus on factors boosting Prudential Financial’s long-term growth. |
| Choose the right trading platform | Select a well-established US broker that gives you direct access to NYSE-listed stocks, competitive commissions, and fractional share purchasing options. |
| Define your investment budget | Consider your financial goals and set a realistic amount to invest in Prudential Financial, keeping your portfolio diversified. |
| Choose a strategy (short or long term) | For Prudential Financial, a long-term approach leverages its stable dividend and sector leadership, but active traders can also benefit from short-term trends. |
| Monitor news and financial results | Stay updated with Prudential Financial’s quarterly earnings releases and news on executive leadership or new strategic partnerships. |
| Use risk management tools | Protect your investment by setting stop-loss orders or using position sizing to manage potential volatility in Prudential Financial's stock price. |
| Sell at the right time | Reassess your position and consider selling Prudential Financial shares when financial results plateau or major industry shifts occur. |
The latest news about Prudential Financial
Prudential Financial’s technical momentum remains positive with key moving averages flashing buy signals. Recent market data as of July 3, 2025, reveals 11 short- and medium-term buy signals from moving averages, reflecting renewed investor confidence in the company’s US-traded shares.
The transition to new CEO Andrew Sullivan was finalized and well received by US markets. This management change, effective March 31, 2025, brought stability and was positively greeted by both institutional and retail investors, supporting corporate governance strength.
PGIM, Prudential Financial’s asset management arm, expanded its US footprint via a major partnership extension. A new $3 billion credit facility with Affirm highlights the company’s commitment to growing its domestic asset management and broadens opportunities in the US financial sector.
Dividend yield remains robust at 4.95%, positioning Prudential Financial attractively among US financial stocks. The quarterly $1.35 dividend, sustained despite recent earnings pressure, provides appeal to income-focused investors within the United States.
US analysts remain moderately optimistic, maintaining a consensus ‘Hold’ with a positive bias. The current $113.29 price target reflects stable local market sentiment and acknowledges Prudential Financial’s resilience and leadership within core US insurance and asset management verticals.
FAQ
What is the latest dividend for Prudential Financial stock?
Prudential Financial currently pays a quarterly dividend of $1.35 per share, with the last ex-dividend date on May 20, 2025. The annualized yield is notably strong and the company has a history of steady and reliable distributions. Dividend payments are an integral component of its long-term value proposition for investors.
What is the forecast for Prudential Financial stock in 2025, 2026, and 2027?
Based on today’s share price of $109.09, the projected values are $141.81 for end of 2025, $163.63 for 2026, and $218.18 for 2027. Strong positioning in US life insurance and growing asset management activities could support steady upward momentum over these years.
Should I sell my Prudential Financial shares?
Holding Prudential Financial shares may be wise, given its solid fundamentals, attractive dividend, and status as a sector leader. The company’s resilience, diversified product base, and strong US market presence provide credible reasons to consider keeping the stock for mid- to long-term growth. Current indicators generally favor patience and a stable investment outlook.
Are Prudential Financial shares eligible for US retirement accounts like 401(k), and how are dividends taxed?
Yes, Prudential Financial shares are eligible for 401(k) and IRA accounts in the US. Dividends are taxed at preferential federal rates for qualified dividends, and capital gains are subject to US capital gains tax rules, depending on your holding period and income bracket.
What is the latest dividend for Prudential Financial stock?
Prudential Financial currently pays a quarterly dividend of $1.35 per share, with the last ex-dividend date on May 20, 2025. The annualized yield is notably strong and the company has a history of steady and reliable distributions. Dividend payments are an integral component of its long-term value proposition for investors.
What is the forecast for Prudential Financial stock in 2025, 2026, and 2027?
Based on today’s share price of $109.09, the projected values are $141.81 for end of 2025, $163.63 for 2026, and $218.18 for 2027. Strong positioning in US life insurance and growing asset management activities could support steady upward momentum over these years.
Should I sell my Prudential Financial shares?
Holding Prudential Financial shares may be wise, given its solid fundamentals, attractive dividend, and status as a sector leader. The company’s resilience, diversified product base, and strong US market presence provide credible reasons to consider keeping the stock for mid- to long-term growth. Current indicators generally favor patience and a stable investment outlook.
Are Prudential Financial shares eligible for US retirement accounts like 401(k), and how are dividends taxed?
Yes, Prudential Financial shares are eligible for 401(k) and IRA accounts in the US. Dividends are taxed at preferential federal rates for qualified dividends, and capital gains are subject to US capital gains tax rules, depending on your holding period and income bracket.
