Aureus
BGood

Prudential Financial, Inc.(PRU)

B

Financial data as of Dec 31, 2024Improving · Financials

FCF Margin12.0%Free Cash Flow / Revenue
Cash Conversion—Operating CF / Net Income
Free Cash Flow$8.5B
Revenue$70.7B
Net Cash-$3.1BNet debt position
Debt / FCF2.5xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth+288.8%4 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseB
→
+0.5Healthy FCF margin with manageable debt (12.0%, 2.5x)
→
-1Current ratio below 1.0 (0.00)
→
+1Strong YoY FCF growth (288.8% YoY)
→
-0.5Highly volatile FCF (consistency: 1.74)
→
FinalB

Analysis Summary

Strengths

  • Healthy FCF margin (12.0%)
  • Strong YoY FCF growth (+288.8%)
  • FCF trend is improving

Concerns

  • Net debt position ($3.1B)
  • Current ratio below 1.0 — tight short-term liquidity
  • Highly volatile quarterly FCF
Cash conversion ratio unavailable or not meaningful

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin12.0%
Net Margin3.9%
Operating CF Margin12.0%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$3.1BNet debt position
Debt / FCF2.5xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.77Low leverage

Quarterly FCF Trend

+288.8% YoYImproving (+288.8%)

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$8.5B
Revenue$70.7B
Net Income$2.7B
Operating Cash Flow$8.5B
Capital Expenditure$0
FCF Margin12.0%
Cash Conversion Rate—
Net Margin3.9%
Total Debt$21.6B
Total Cash$18.5B
Net Cash-$3.1B
Current Ratio0.00
Debt / Equity0.77
Debt / FCF2.5x
YoY FCF Growth+288.8%
Positive Quarters4 of 5
Trend DirectionImproving
Report DateDec 31, 2024
GradeB
Data SourceYahoo Finance

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