Prudential (PUK) Stock Analysis

November 11, 2026

This is a peer-relative look at Prudential (PUK): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Prudential (PUK) trades as an ADR rather than ordinary local shares — read it with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile fields for Prudential (PUK)
Profile Item	PUK
Name	Prudential plc ADR
Country/Region	Hong Kong
GICS Sector	Financials
GICS Industry Group	Insurance
GICS Industry	Insurance
GICS Sub-Industry	Life & Health Insurance
Market Capitalization	30.28 billion USD
Currency	USD
Exchange	NYSE
Listing Date	June 29, 2000
Security Type	ADR

Price Performance

Cumulative Growth

PUK

GSPC

Prudential (PUK) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Prudential (PUK) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Prudential (PUK) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Prudential (PUK) metric values compared with Insurance industry-group medians
Metric	Current stock: PUK	Industry group median
Total Return (1Y)	-7.39%	13.21%
Total Return (3Y, Annualized)	8.09%	16.41%
Total Return (5Y, Annualized)	-6.78%	10.37%

Risk Profile

Drawdown History

PUK

GSPC

Prudential (PUK) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Prudential (PUK) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Prudential (PUK) metric values compared with Insurance industry-group medians
Metric	Current stock: PUK	Industry group median
Volatility (1Y, Annualized)	29.81%	28.84%
Beta (5Y)	0.64	0.50
Max Drawdown (5Y)	-62.24%	-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. PUK is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Prudential (PUK) metric values compared with Insurance industry-group medians
Metric	Current stock: PUK	Industry group median
Sharpe Ratio (1Y)	-0.39	0.28
Sortino Ratio (1Y)	-0.54	0.41

Profitability

ROE (TTM)

Prudential (PUK) posts ROE of 18.74%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

PUK

Insurance industry group

18.74%

Group distribution

Max: 41.68%
Q3: 22.04%
PUK: 18.74%
Median: 14.81%
Q1: 8.79%
Min: -10.66%

Largest peers

PGR: 33.24%
TRV: 27.50%
MRSH: 27.24%
PUK: 18.74%
CB: 14.25%
MFC: 12.24%
AJG: 7.21%

Where Prudential (PUK) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Prudential (PUK) keeps 25.49% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

PUK

Insurance industry group

25.49%

Group distribution

Max: 29.92%
PUK: 25.49%
Q3: 17.03%
Median: 10.97%
Q1: 6.21%
Min: -4.68%

Largest peers

PUK: 25.49%
MFC: 18.97%
CB: 18.13%
TRV: 17.03%
MRSH: 14.20%
PGR: 12.67%
AJG: 10.78%

Where Prudential (PUK) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Prudential (PUK) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Prudential (PUK) metric values compared with Insurance industry-group medians
Metric	Current stock: PUK	Industry group median
ROE (TTM)	18.74%	14.81%
ROA (TTM)	1.60%	2.72%
Net Margin (TTM)	25.49%	10.97%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Prudential (PUK) grew revenue 68.98%, above the industry benchmark range. Demand is expanding faster than at any typical peer, though growth that far ahead of the group is worth checking for acquisitions or other one-off contributions.

Prudential (PUK): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Prudential (PUK) grew earnings per share 82.74%, in the upper peer quartile. Per-share profits are compounding faster than at most industry peers.

Prudential (PUK): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Prudential (PUK) metric values compared with Insurance industry-group medians
Metric	Current stock: PUK	Industry group median
Revenue Growth (YoY)	68.98%	7.89%
Revenue Growth (3Y CAGR)	--	11.40%
EPS Growth (YoY)	82.74%	21.77%
EPS Growth (3Y CAGR)	61.41%	18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Prudential (PUK) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Prudential (PUK) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Prudential (PUK) metric values compared with Insurance industry-group medians
Metric	Current stock: PUK	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Prudential (PUK) has dividend yield of 1.10%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

PUK

Insurance industry group

1.10%

Group distribution

Max: 5.12%
Q3: 2.15%
PUK: 1.10%
Median: 0.98%
Q1: 0.00%
Min: 0.00%

Largest peers

MFC: 4.32%
MRSH: 1.80%
TRV: 1.17%
PUK: 1.10%
CB: 1.07%
AJG: 0.95%
PGR: 0.17%

Where Prudential (PUK) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Prudential (PUK) has payout ratio of 18.71%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

PUK

Insurance industry group

18.71%

Group distribution

Max: 76.67%
Q3: 35.18%
PUK: 18.71%
Median: 14.74%
Q1: 0.00%
Min: 0.00%

Largest peers

PGR: 70.03%
MFC: 54.30%
MRSH: 44.14%
AJG: 41.98%
PUK: 18.71%
CB: 13.95%
TRV: 12.36%

Where Prudential (PUK) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Prudential (PUK) metric values compared with Insurance industry-group medians
Metric	Current stock: PUK	Industry group median
Dividend Yield (TTM)	1.10%	0.98%
Dividend Payout Ratio (TTM)	18.71%	14.74%

Valuation

P/E Ratio (TTM)

Prudential (PUK) trades at P/E ratio of 8.72, in the cheaper earnings-multiple quartile for its industry. Investors are paying less for each dollar of TTM earnings than they usually pay for comparable businesses.

PUK

Insurance industry group

8.72

Group distribution

Max: 28.37
Q3: 18.75
Median: 12.23
Q1: 9.08
PUK: 8.72
Min: 2.32

Largest peers

AJG: 42.99
MRSH: 24.50
MFC: 17.23
CB: 12.79
PGR: 11.47
TRV: 10.39
PUK: 8.72

Where Prudential (PUK) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Prudential (PUK) trades at 2.12 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

PUK

Insurance industry group

2.12

Group distribution

Max: 4.03
Q3: 2.25
PUK: 2.12
Median: 1.23
Q1: 0.85
Min: 0.07

Largest peers

AJG: 4.58
MRSH: 3.42
CB: 2.25
PUK: 2.12
MFC: 2.11
TRV: 1.66
PGR: 1.44

Where Prudential (PUK) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Prudential (PUK) trades at 6.29 on P/B ratio, above the industry benchmark range. Investors are putting an unusually rich price on each dollar of book equity relative to peers.

PUK

Insurance industry group

6.29

Group distribution

PUK: 6.29
Max: 5.07
Q3: 2.79
Median: 1.76
Q1: 1.23
Min: 0.30

Largest peers

MRSH: 6.64
PUK: 6.29
PGR: 3.82
AJG: 3.00
TRV: 2.79
MFC: 2.13
CB: 1.91

Where Prudential (PUK) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Prudential (PUK) metric values compared with Insurance industry-group medians
Metric	Current stock: PUK	Industry group median
P/E Ratio (TTM)	8.72	12.23
P/S Ratio (TTM)	2.12	1.23
P/B Ratio (MRQ)	6.29	1.76
Free Cash Flow Yield (TTM)	--	--