Sector Alpha Week of 2026-08-05
Sector Alpha — machine-written from the numbers · Data as of 2026-08-05

Prudential plc

PUK
Financials · Insurance - Life

Prudential plc's earnings have outrun its stock. EPS grew +82.7% in a year against a +20.1% price move.

The sharpest disagreement: annual EPS moved +82.7% against a +20.1% price move — the market has not yet caught up with the delivery.

The price is in a confirmed uptrend (2 weeks in). Underneath, the last four quarters read improving — profit +24.1% year on year, with the the net margin at 36.2%. What settles it: whether the price catches up with earnings that have already moved.

Stage
Improving
fundamental trajectory, 12 quarters
Price
$30.1
+20.1% 1Y
P/BV
1.7×
vs its own history
Revenue (Dec 25)
$17.0 B
+50.0% YoY
Profit (Dec 25)
$6.2 B
+24.1% YoY
Net margin
36.2%
−7.6 pp YoY
ROE
21%
FY25
ROA
1.89%
latest
01 · Price story

Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.

Prudential plc trades at $30.1, in a confirmed uptrend and 2 weeks into that stage. That is +1.7% against its own 200-day average. It sits at 61% of a 52-week range of $25 to $33. On relative strength it is currently behind the S&P 500 on a trailing-13-week view (21 weeks and counting).

Today the stock is in a confirmed uptrend — week 2 of stage 2. At $30.1 it trades +1.7% versus its 200-day average and sits at 61% of its 52-week range ($25–$33).

Aug 26: $30.1 Weekly closing price ($) with 50- and 200-day averages; shaded bands mark the price stage (grey base, green advance, amber top, red decline). 3-year window.
+1.7% versus the 200-day line, week 2 of stage 2
Price50-day avg200-day avg
S1S4S3S2$34.5$29.1$23.8$18.5$13.2$$30$30Jul 23Apr 24Jan 25Oct 25Aug 26
S1S4S3S2$34.5$29.1$23.8$18.5$13.2$$30$30Jul 23Jan 25Aug 26
Beating or trailing, week by week since 2016 Each cell is one week from 2016 to now (527 weeks): the stock's trailing 13-week return minus the S&P 500's, green ahead / red behind (±25% ramp). Grey cells are the 13-week warm-up or weeks where the S&P 500 reading is not held.
trailing 13-week return vs the S&P 500
Jul 16Aug 26

Against the market, two honest reads. Cumulative: over the last 10.1 years the stock moved −5% while the S&P 500 moved +263% — behind the index over the full window. Recent form: on a trailing-13-week view the stock is currently behind (21 weeks and counting; last ahead the week of 2026-03-13) — the ribbon below is that same metric, week by week.

What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.

02 · Valuation

Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each $1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.

Prudential plc trades at 1.7× P/BV, against too little history to rank. This places the multiple against the stock’s own record, and says nothing about what the business is worth.

Today's P/BV of 1.7× is against too little history to rank. This is a comparison against the stock's own history — not a claim about what it is worth.

P/BV
1.7×
too little history to rank
PEG
0.58
derived from 3-year earnings growth

Why the multiple sits where it does: over the past year book value grew while the price moved +20.1% — price and book moved together, holding the multiple in its range.

Put together: the multiple is unremarkable against its own past, so the story rests on the book-value line underneath it, not the multiple.

03 · Stage: Improving

Stage: Improving Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).

Prudential plc reads as improving on its fundamental arc. Improving — profit growth bottomed 7 quarters ago at −142.9% and has held its recovery at +197.4%, ROE lifting at 69.8%. The read is built from 12 quarters across 4 curves, on full evidence.

Growth, year by year: revenue +17.1% in FY25, profit +70.2% Year-over-year growth per fiscal year, %: revenue (left axis); net profit and EPS (right axis — profit growth swings far wider). Zero line drawn.
Revenue YoYProfit YoYEPS YoY
196%100%119%38%43%−23%−33%−85%−110%−146%%%17.1%70.2%FY21FY23FY25
196%100%119%38%43%−23%−33%−85%−110%−146%%%17.1%70.2%FY21FY23FY25
Three growth curves, twelve quarters Year-on-year growth of trailing-twelve-month revenue (left axis), profit and EPS (right axis — they swing far wider), % at each quarter-end. Base-effect spikes shown pinned (▲). A missing point means that reading is not held for the quarter.
the trajectory the stage is read from
RevenueProfitEPS
333%339%213%198%93%57%−27%−84%−148%−225%%%300%197.4%300%Jun 20Dec 22Dec 25
333%339%213%198%93%57%−27%−84%−148%−225%%%300%197.4%300%Jun 20Dec 22Dec 25
ROE Trailing-twelve-month net profit as a share of quarter-end equity, %.
the return curve, computed quarterly
ROE
77%51%25%0.0%−26%%69.8%Jun 20Jun 21Dec 22Jun 24Dec 25
77%51%25%0.0%−26%%69.8%Jun 20Dec 22Dec 25
Revenue growth
Recovering
latest +2,298.6% · span −114.5% to +2,298.6%
Profit growth
Flat
latest +197.4% · span −158.3% to +197.4%
EPS growth
Flat
latest +846.2% · span −186.1% to +846.2%
ROE
Rising
latest 69.8% · span −18.8%–69.8%

Why it matters: a sustained climb off the trough is the setup this page is built to catch — the question moves to what you pay for it.

Compound annual growth rate (%) Compound annual growth rate over each window, %. Revenue, profit and EPS from fiscal-year figures; stock price is the price CAGR over the same spans. A dash = that window is not held, or the base was a loss.
1yr3yr5yr10yr
Revenue+17.1%+53.7%
Profit+70.2%
EPS+82.7%
Stock price+20.1%+4.5%−5.4%−1.8%
Revenue YoY (Dec 25)
+50.0%
latest quarter vs a year ago
Profit YoY (Dec 25)
+24.1%
latest quarter vs a year ago
Revenue 10y
−20.0%
long-run compound pace
04 · 4-Factor Sector Score

4-Factor Sector Score

50.7/100 — rank 16 of 17 in Insurance - Life · 50% evidence confidence · provisional, ranked below fully-evidenced peers

Prudential plc scores 50.7 out of 100 against the 17 companies it is compared with in Insurance - Life, ranking 16. Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

The four contributions add to the total exactly: 18.7 + 17.8 + 13.1 + 1.1 = 50.7. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.

What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.

05 · Revenue

Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fees from its businesses.

Prudential plc reported $17.0 B of income in the Dec 25 quarter, +50.0% year on year. That is the 3rd straight quarter of year-on-year growth. Over 4 years it has compounded at −20.0% a year. The last full year, FY25, came in at $20.0 B. The last four reported quarters add to $43.4 B.

FY25 revenue came in at $20.0 B (+17.1% on the year), capping 4 years at −20.0% compound. The latest quarter (Dec 25) printed $17.0 B, +50.0% year on year — the 3rd consecutive quarter of year-over-year growth.

FY25 revenue $20.0 B (+17.1% YoY) Revenue bars, $ B (left); YoY growth-% line (right). 5-year window. A bar is red when it is lower than the year before.
−20.0% a year over 4 years
RevenueYoY growth
53196%40119%2643%13−33%0.0−110%$ B%$20B17.1%FY21FY23FY25
53196%40119%2643%13−33%0.0−110%$ B%$20B17.1%FY21FY23FY25
Dec 25: $17.0 B (+50.0% YoY) Quarterly revenue bars, $ B (left); YoY growth-% line (right). Last 12 quarters. A bar is red when it is lower than the quarter before.
3rd straight quarter of growth
Revenue (quarterly)YoY growth
3692%198.5%2.2−75%−15−158%−32−241%$ B%$17B50%Jun 20Dec 22Dec 25
3692%198.5%2.2−75%−15−158%−32−241%$ B%$17B50%Jun 20Dec 22Dec 25

Pace check: the last four quarters averaged +35.4% growth against the decade's −20.0% — the current year is running faster than its own long-run rate.

06 · Net margin

Net margin Net margin — what the bank keeps of every $100 of revenue after every cost, provision and tax. With big fee businesses in the mix, it is the cleanest margin we can read for this bank.

Prudential plc's net margin is 36.2% in the Dec 25 quarter, −7.6 percentage points against the same quarter a year ago. That is the widest this company has ever printed on a full-year basis. Across the last four quarters the net margin has moved +9.6 percentage points. Across 5 fiscal years the net margin has ranged −27.6% to 20.6%.

The latest quarter's net margin is 36.2%, −7.6 pp against the same quarter a year ago. Across 5 fiscal years the net margin has ranged −27.6%–20.6%, and FY25's 20.6% is the top of that band — a record year.

Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.

Worth repeating from the valuation section: cheap against its own history on record margins is not the same thing as cheap — a record margin flatters every ratio built on top of it.

FY25: 20.6% Net margin by fiscal year, %, line (left); year-on-year change in the margin, in percentage points, line (right). 5-year window.
the widest a −27.6–20.6% band over 5 years
net marginYoY change (pp)
24%45%10%23%−3.5%0.0%−17%−22%−31%−44%%%20.6%6.4%FY21FY23FY25
24%45%10%23%−3.5%0.0%−17%−22%−31%−44%%%20.6%6.4%FY21FY23FY25
Dec 25: 36.2% net margin (−7.6 pp YoY) Quarterly net margin, %, line (left); year-on-year change in the margin, in percentage points, line (right). Last 12 quarters. Net profit as a share of total revenue, per quarter.
Net marginYoY change (pp)
49%35%31%20%13%5.1%−4.8%−9.6%−23%−24%%%36.2%−7.6%Jun 20Dec 22Dec 25
49%35%31%20%13%5.1%−4.8%−9.6%−23%−24%%%36.2%−7.6%Jun 20Dec 22Dec 25
07 · Net profit

Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.

Prudential plc earned $6.2 B of net profit in the Dec 25 quarter, +24.1% year on year. It is the 3rd consecutive quarter of growth. Full-year FY25 profit was $4.1 B. The 4-year compound rate is −5.8%. That is 36.2% of the quarter's revenue. The same quarter a year earlier earned $1.8 B.

Dec 25 profit was $6.2 B, +24.1% year on year — the 3rd consecutive quarter of growth. On the full year, FY25 printed $4.1 B (+70.2%), and the 4-year compound rate is −5.8%.

FY25 profit $4.1 B (+70.2% YoY) Net profit bars, $ B (left); YoY growth-% line (right). 5-year window. A bar is red when it is lower than the year before.
−5.8% a year over 4 years
Net profitYoY growth
5.886%3.828%1.9−29%−0.1−87%−2.1−145%$ B%$4B70.2%FY21FY23FY25
5.886%3.828%1.9−29%−0.1−87%−2.1−145%$ B%$4B70.2%FY21FY23FY25
Dec 25: $6.2 B (+24.1% YoY) Quarterly net profit bars, $ B (left); YoY growth-% line (right). Last 12 quarters. A bar is red when it is lower than the quarter before.
3rd straight quarter of growth
Net profit (quarterly)YoY growth
7.1432%3.7116%0.3−199%−3.1−515%−6.5−831%$ B%$6B24.1%Jun 20Dec 22Dec 25
7.1432%3.7116%0.3−199%−3.1−515%−6.5−831%$ B%$6B24.1%Jun 20Dec 22Dec 25

Why profit moved: revenue contributed +50.0% and the margin −7.6 pp — the quarter was revenue-led despite a thinner margin.

Pace comparison, last four quarters: profit +119.5% vs revenue +35.4%. Profit is growing faster than sales — fixed costs are being spread over a bigger base, and each extra dollar of revenue drops more to the bottom line.

08 · Asset quality — the ladder

Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.

Loan-book quality history is not available for Prudential plc, so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line. The income, margin and return sections above carry the evidence this business does report.

We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.

Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.

09 · The loan book

The loan book We read the loan book through revenue — when the book and the businesses grow, revenue grows with them. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.

Prudential plc's revenue grew +17.1% in FY25 to $20.0 B, so the book is growing. The latest quarter ran +50.0% year on year. The net margin on that income is 36.2%, −7.6 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.

FY25 revenue was $20.0 B, +17.1% on the year, and the latest quarter ran +50.0% year on year. The net margin on that revenue is 36.2% this quarter (−7.6 pp YoY) — growth with a narrowing margin on it.

FY25: revenue $20.0 B (+17.1% YoY) with the net margin at 20.6% Revenue by fiscal year, $ B (bars, left); net margin, % (line, right). 5-year window. A bar is red when it is lower than the year before.
RevenueNet margin
5324%4010%26−3.5%13−17%0.0−31%$ B%$20B20.6%FY21FY22FY23FY24FY25
5324%4010%26−3.5%13−17%0.0−31%$ B%$20B20.6%FY21FY23FY25

The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — with quarterly loan-quality numbers missing here, revenue growth and margin are the two we watch.

10 · Returns on equity and assets

Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.

Prudential plc earns a return on equity of 19% in FY25. Its trough over the ladder below was −9% in FY22. On the asset side every $100 of the balance sheet earned about $1.89, which is the return before leverage is applied.

FY25 ROE came in at 19%, recovered from a FY22 trough of −9%. On assets, the latest reading is about 1.89% — every $100 the bank deploys earns roughly $1.89 a year. That clears the bar a bank must beat for its book value to compound.

FY25: ROE 19%, ROA 1.00% Return on equity by fiscal year, % (line, left); return on assets, % (line, right). 5-year window. A lender is judged on ROE and ROA — return on invested capital does not apply to a bank.
up from a FY22 trough of −9%
ROEROA
33%1.6%22%−0.4%11%−2.4%−0.7%−4.5%−12%−6.5%%%19.3%1%FY21FY23FY25
33%1.6%22%−0.4%11%−2.4%−0.7%−4.5%−12%−6.5%%%19.3%1%FY21FY23FY25
Dec 25: ROE 15.4% (TTM), ROA 2.90% Trailing-twelve-month return on equity (left) and on assets (right), per quarter, %. Last 12 quarters, anchored to the annual figure.
ROE (TTM)ROA (TTM)
16%3.1%13%2.4%8.7%1.7%4.8%1.0%0.9%0.3%%%15.4%2.9%Mar 23Jun 24Dec 25
16%3.1%13%2.4%8.7%1.7%4.8%1.0%0.9%0.3%%%15.4%2.9%Mar 23Jun 24Dec 25

Why ROE moved: profit compounded −5.8% a year over 4 years while the equity base grew more slowly — earnings recovering faster than book value builds is what lifts ROE off a trough.

11 · Dividend

Dividend

Prudential plc pays no dividend. Across the last 12 reported quarters it has declared no dividend per share, so there is no payout history to chart and no yield to quote. Companies at this stage typically reinvest earnings rather than distribute them, which makes the cash-flow and reinvestment sections the place that cash shows up.

Prudential plc does not currently pay a dividend. Across the last 12 reported quarters the company has declared no dividend per share, so there is no payout history to chart and no yield to quote. Companies at this stage typically reinvest earnings instead of distributing them.

12 · Debt

Debt

For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.

A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.

13 · Ownership

Ownership There is no quarter-by-quarter holder register to read here, so we read the crowd through short interest — the slice of tradable shares currently sold short, positioned for a fall.

0.0% of Prudential plc's tradable float is currently sold short — the crowd is not positioned against this stock. At typical trading volumes those positions would take about 0.8 days to buy back. There is no quarter-by-quarter holder register to read for this filer, so the crowd is read through short interest instead.

The latest reading: 0.0% of the float is sold short, and at typical trading volumes it would take about 0.8 days to buy those positions back. The crowd is not positioned against this stock. This is a single point-in-time reading — we do not yet hold its history, so we show no trend chart.

Short interest
0.0%
of the tradable float
Days to cover
0.8
at typical volumes

Why it sits there: who is doing the shorting, and why, does not travel with the number — the level is shown without inventing its story.

14 · Safety line

Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.

Prudential plc: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.

The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.

15 · Related companies · Insurance - Life
CompanyScorePrice stageGrowth & earnings/35Capital efficiency/25Valuation/20Relative strength/20
1Globe Life Inc.GL 69.0/100Favorable setup60% evidence BREAKING OUT 21.9/35 Income — · PAT — 26% evidence 18.6/25 ROA 2.1% · ROE 10.6% · GNPA — 68% evidence 11.4/20 P/BV 1.78× · P/BV÷ROE 0.17 70% evidence 17.1/20 RS sector 7.1% · RS bench 11.9% · 1Y 30.8%9 of 12 weeks ahead 100% evidence
Exact sum: 21.9 + 18.6 + 11.4 + 17.1 = 69 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
2Lincoln National CorporationLNC 63.3/100Mixed-positive evidence60% evidence BREAKING OUT 19.4/35 Income — · PAT — 26% evidence 11.6/25 ROA 0.3% · ROE 12.7% · GNPA — 68% evidence 16.7/20 P/BV 0.6× · P/BV÷ROE 0.05 70% evidence 15.6/20 RS sector 1.9% · RS bench 6.5% · 1Y 23.2%5 of 12 weeks ahead 100% evidence
Exact sum: 19.4 + 11.6 + 16.7 + 15.6 = 63.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
3CNO Financial Group, Inc.CNO 60.1/100Mixed-positive evidence60% evidence BREAKING OUT 19.2/35 Income — · PAT — 26% evidence 16.5/25 ROA 1.9% · ROE 4.9% · GNPA — 68% evidence 6.5/20 P/BV 1.84× · P/BV÷ROE 0.38 70% evidence 17.9/20 RS sector 9.3% · RS bench 14.2% · 1Y 51.8%10 of 12 weeks ahead 100% evidence
Exact sum: 19.2 + 16.5 + 6.5 + 17.9 = 60.1 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression.
4Primerica, Inc.PRI 57.4/100Mixed-positive evidence76% evidence BREAKING OUT 22.3/35 Income 6.4% · PAT 54.1% 71% evidence 15.5/25 ROA 1.3% · ROE 8% · GNPA — 68% evidence 5.7/20 P/BV 3.12× · P/BV÷ROE 0.39 70% evidence 13.9/20 RS sector 1.1% · RS bench 5.7% · 1Y 23.4%5 of 12 weeks ahead 100% evidence
Exact sum: 22.3 + 15.5 + 5.7 + 13.9 = 57.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
5Abacus Global Management, Inc.ABX 50.5/100Mixed-positive evidence61% evidence BREAKING OUT 17.4/35 Income 86.6% · PAT — 45% evidence 12.3/25 ROA 1.4% · ROE 1.7% · GNPA — 68% evidence 3.8/20 P/BV 1.79× · P/BV÷ROE 1.05 70% evidence 17.0/20 RS sector 14.9% · RS bench 19.9% · 1Y 82.8%6 of 12 weeks ahead 70% evidence
Exact sum: 17.4 + 12.3 + 3.8 + 17 = 50.5 · Decision use: Price leads the evidence: RS versus the benchmark is 19.9%, but earnings trajectory is weak. Wait for revenue and profit confirmation.
6Manulife Financial CorporationMFC 47.6/100Mixed-negative evidence76% evidence BREAKING OUT 20.1/35 Income 21% · PAT 20.7% 71% evidence 9.7/25 ROA 0.4% · ROE 2.3% · GNPA — 68% evidence 4.5/20 P/BV 1.58× · P/BV÷ROE 0.69 70% evidence 13.3/20 RS sector 6.4% · RS bench 11.2% · 1Y 48.8%6 of 12 weeks ahead 100% evidence
Exact sum: 20.1 + 9.7 + 4.5 + 13.3 = 47.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
7Aflac IncorporatedAFL 46.2/100Mixed-negative evidence76% evidence TURNING 23.4/35 Income 7.3% · PAT 29% 71% evidence 12.4/25 ROA 0.9% · ROE 3.6% · GNPA — 68% evidence 5.0/20 P/BV 1.87× · P/BV÷ROE 0.52 70% evidence 5.4/20 RS sector -4.8% · RS bench -0.4% · 1Y 20.9%3 of 12 weeks ahead 100% evidence
Exact sum: 23.4 + 12.4 + 5 + 5.4 = 46.2 · Decision use: Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -4.8% and the one-year return is 20.9%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth.
8F&G Annuities & Life, Inc.FG 45.2/100Mixed-negative evidence67% evidence FADING 23.5/35 Income 18.2% · PAT 7.1% 45% evidence 9.7/25 ROA 0.3% · ROE 5.4% · GNPA — 68% evidence 8.6/20 P/BV 0.73× · P/BV÷ROE 0.14 70% evidence 3.4/20 RS sector -13.1% · RS bench -9.1% · 1Y -12.7%5 of 12 weeks ahead 100% evidence
Exact sum: 23.5 + 9.7 + 8.6 + 3.4 = 45.2 · Decision use: Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -13.1% and the one-year return is -12.7%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth.
9MetLife, Inc.MET 44.8/100Mixed-negative evidence76% evidence BREAKING OUT 12.8/35 Income 5.6% · PAT -20% 71% evidence 9.9/25 ROA 0.2% · ROE 4.2% · GNPA — 68% evidence 6.2/20 P/BV 1.67× · P/BV÷ROE 0.4 70% evidence 15.9/20 RS sector 3% · RS bench 7.7% · 1Y 26%10 of 12 weeks ahead 100% evidence
Exact sum: 12.8 + 9.9 + 6.2 + 15.9 = 44.8 · Decision use: Price leads the evidence: RS versus the benchmark is 7.7%, but earnings trajectory is weak. Wait for revenue and profit confirmation.
10Prudential Financial, Inc.PRU 42.9/100Mixed-negative evidence76% evidence BREAKING OUT 18.4/35 Income 4.1% · PAT 51% 71% evidence 6.9/25 ROA 0.1% · ROE 1.8% · GNPA — 68% evidence 4.8/20 P/BV 1.06× · P/BV÷ROE 0.59 70% evidence 12.8/20 RS sector -0.2% · RS bench 4.4% · 1Y 19.6%6 of 12 weeks ahead 100% evidence
Exact sum: 18.4 + 6.9 + 4.8 + 12.8 = 42.9 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
11Jackson Financial Inc.JXN 42.5/100Thin evidence · provisional55% evidence BREAKING OUT 11.1/35 Income -20.5% · PAT -311.5% 45% evidence 4.7/25 ROA -0.1% · ROE -4.1% · GNPA — 68% evidence 9.8/20 P/BV 0.78× · P/BV÷ROE — 10% evidence 16.9/20 RS sector 7.5% · RS bench 12.4% · 1Y 47.5%2 of 12 weeks ahead 100% evidence
Exact sum: 11.1 + 4.7 + 9.8 + 16.9 = 42.5 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.
12Security National Financial CorporationSNFCA 41.9/100Mixed-negative evidence70% evidence BASING 17.0/35 Income 1.8% · PAT 40% 71% evidence 9.7/25 ROA 0.5% · ROE 1.8% · GNPA — 68% evidence 7.6/20 P/BV 0.58× · P/BV÷ROE 0.32 70% evidence 7.6/20 RS sector -4.1% · RS bench 0.3% · 1Y 15.4%0 of 12 weeks ahead 70% evidence
Exact sum: 17 + 9.7 + 7.6 + 7.6 = 41.9 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
13Unum GroupUNM 41.7/100Mixed-negative evidence60% evidence LEADER 14.2/35 Income — · PAT — 26% evidence 10.9/25 ROA 0.5% · ROE 2.3% · GNPA — 68% evidence 5.2/20 P/BV 1.31× · P/BV÷ROE 0.57 70% evidence 11.4/20 RS sector 0% · RS bench 4.6% · 1Y 31.7%10 of 12 weeks ahead 100% evidence
Exact sum: 14.2 + 10.9 + 5.2 + 11.4 = 41.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
14Genworth Financial, Inc.GNW 27.7/100Adverse evidence76% evidence TURNING 10.4/35 Income 1% · PAT 0.3% 71% evidence 6.8/25 ROA 0.1% · ROE 0.8% · GNPA — 68% evidence 5.9/20 P/BV 0.35× · P/BV÷ROE 0.44 70% evidence 4.6/20 RS sector -4.4% · RS bench -0.1% · 1Y 18.1%3 of 12 weeks ahead 100% evidence
Exact sum: 10.4 + 6.8 + 5.9 + 4.6 = 27.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction.
15Brighthouse Financial, Inc.BHF 26.7/100Thin evidence · provisional55% evidence ASLEEP 10.7/35 Income -16.1% · PAT -109.7% 45% evidence 4.2/25 ROA -0.3% · ROE -14% · GNPA — 68% evidence 9.8/20 P/BV 0.62× · P/BV÷ROE — 10% evidence 2.0/20 RS sector -10.2% · RS bench -6.1% · 1Y 40.8%0 of 12 weeks ahead 100% evidence
Exact sum: 10.7 + 4.2 + 9.8 + 2 = 26.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.
16Prudential plcthis pagePUK 50.7/100Thin evidence · provisional50% evidence BASING 18.7/35 Income — · PAT — 8% evidence 17.8/25 ROA 2.9% · ROE 15.4% · GNPA — 51% evidence 13.1/20 P/BV 1.96× · P/BV÷ROE 0.13 70% evidence 1.1/20 RS sector -11.2% · RS bench -7.1% · 1Y 16%0 of 12 weeks ahead 100% evidence
Exact sum: 18.7 + 17.8 + 13.1 + 1.1 = 50.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.
17Citizens, Inc.CIA 35.4/100Thin evidence · provisional47% evidence ASLEEP 18.4/35 Income 7% · PAT 88.9% 29% evidence 10.2/25 ROA — · ROE 1% · GNPA — 34% evidence 3.8/20 P/BV 1.06× · P/BV÷ROE 1.06 70% evidence 3.0/20 RS sector -26.3% · RS bench -22.8% · 1Y 1.3%3 of 12 weeks ahead 70% evidence
Exact sum: 18.4 + 10.2 + 3.8 + 3 = 35.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.

Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led S&P 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.

16 · Frequently asked questions

Frequently asked questions

What is Prudential plc's stock price today?

Prudential plc trades at $30.1, +20.1% over the past year. The company is valued at $37.0 B. The stock sits at 61% of its 52-week range of $25–$33, +1.7% versus its 200-day average. On the tape, the price is in a confirmed uptrend, 2 weeks in. — as of 5 August 2026.

What were Prudential plc's latest quarterly results?

Prudential plc reported total income of $17.0 B and net profit of $6.2 B for the Dec 25 quarter. Income rose 50.0% and profit rose 24.1% year on year. Earnings per share were $2.09. The net margin was 36.2%, 7.6 pp lower than a year earlier. — as of 5 August 2026.

What is Prudential plc's revenue?

Prudential plc reported revenue of $17.0 B in the Dec 25 quarter, +50.0% year on year. For the full FY25 fiscal year, revenue was $20.0 B (+17.1%). Over the last 4 years revenue compounded at −20.0% a year. — as of 5 August 2026.

What is Prudential plc's profit?

Prudential plc earned $6.2 B of net profit in the Dec 25 quarter, +24.1% year on year — the 3rd straight quarter of growth. Full-year FY25 profit was $4.1 B. The net margin ran 36.2% in the latest quarter. — as of 5 August 2026.

What is Prudential plc's market cap?

Prudential plc's market capitalisation is $37.0 B at a stock price of $30.1. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 5 August 2026.

Does Prudential plc pay a dividend?

No — Prudential plc has declared no dividend per share in any of its last 12 reported quarters, so there is no payout history and no yield to quote. That is a reading of the filed statements, not an estimate. — as of 5 August 2026.

Is Prudential plc growing?

Yes — Prudential plc is growing: latest-quarter revenue +50.0% year on year, profit +24.1%, and the the net margin −7.6 pp at 36.2%. The 4-year compound rates are −20.0% (revenue) and −5.8% (profit). The earnings engine currently reads: improving — as of 5 August 2026.

How is Prudential plc performing?

Prudential plc is in a confirmed uptrend, 2 weeks in. Its latest quarter's income rose 50.0% and profit rose 24.1% year on year. Against the S&P 500 it has been behind on a trailing-13-week view for 21 weeks. This describes what the data did, not a rating. — as of 5 August 2026.

What stage is Prudential plc in?

Improving — profit growth bottomed 7 quarters ago at −142.9% and has held its recovery at +197.4%, ROE lifting at 69.8%. The read comes from the last 12 quarters of growth (revenue growth +2,298.6% latest, profit growth +197.4% latest, eps growth +846.2% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 5 August 2026.

Is Prudential plc in an uptrend?

Yes — the price is in a confirmed uptrend (week 2 of stage 2), trading +1.7% versus its 200-day average and at 61% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 5 August 2026.

Is Prudential plc beating the market?

Not lately — on a trailing-13-week view Prudential plc is currently behind the S&P 500 (21 weeks and counting; last ahead the week of 2026-03-13), the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 10.1 years the stock moved −5% against the S&P 500's +263% — behind the index over the full window. — as of 5 August 2026.

Will Prudential plc's stock price go up?

This page publishes no price forecast for Prudential plc. What it measures instead: the stock price is $30.1, the price is in a confirmed uptrend 2 weeks in. Direction is not something this site claims to know. — as of 5 August 2026.

Is the market betting against Prudential plc?

No — short interest is 0.0% of Prudential plc's tradable float, about 0.8 days to cover at typical volumes. That is a low reading: the crowd is not positioned against this stock. With no quarter-by-quarter holder register here, short interest is the cleanest crowd read we hold — as of 5 August 2026.

Is Prudential plc's loan book healthy?

We do not hold quarterly loan-book quality numbers for Prudential plc, so this page says that plainly. The cleanest available reads are revenue growth (+17.1% in FY25) and the net margin on it (36.2%) — as of 5 August 2026.

Where is Prudential plc in its business cycle?

Prudential plc's FY25 net margin was 20.6%, against a 5-year band of −27.6%–20.6%: the top of the band — a record year. Record profitability is late-cycle territory: every ratio flatters at the top, and the story leans on margins holding. The latest quarter ran 36.2%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 5 August 2026.

What could break the Prudential plc story?

The sharpest disagreement: annual EPS moved +82.7% against a +20.1% price move — the market has not yet caught up with the delivery. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 5 August 2026.

Is Prudential plc a stock worth studying right now?

This is not investment advice. The machine read: Prudential plc's earnings have outrun its stock. EPS grew +82.7% in a year against a +20.1% price move. The sharpest open question: whether the price catches up with earnings that have already moved. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 5 August 2026.

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