What Is PRU Fair Value?
Prudential Financial (PRU) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Prudential Financial (PRU) has a composite fair value estimate of $320.19 based on four valuation models: DCF (41% weight), Graham Number (29% weight), PEG (29% weight), and DDM (0% weight). The current market price is $113.49, suggesting the stock is undervalued by 182.1%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued3 of 4 models$320.19
vs. current price of $113.49(+182.1%)
How Is PRU Fair Value Calculated?
Four independent models estimate what PRU is worth. Each uses different inputs and assumptions. The composite blends them by weight.
PRU Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
41% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$468.46
+312.8%Undervalued
Inputs used
DDM (Dividend Discount Model)
0% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
N/A
This stock does not pay a dividend, so the DDM cannot be applied. The composite adjusts by redistributing this weight to the other models.
PRU Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
29% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$172.49
+52.0%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
29% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$144.56
+27.4%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $113.49 is 312.8% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $7.68B | $7.24B |
| Year 2 | $7.83B | $6.96B |
| Year 3 | $7.99B | $6.70B |
| Year 4 | $8.15B | $6.44B |
| Year 5 | $8.31B | $6.19B |
| Year 6 | $8.48B | $5.96B |
| Year 7 | $8.65B | $5.73B |
| Year 8 | $8.82B | $5.51B |
| Year 9 | $9.00B | $5.30B |
| Year 10 | $9.18B | $5.09B |
| Terminal Value | $264.05B | $146.58B |
What Are PRU's Key Financial Metrics?
Earnings & Growth
Current Price
$113.49
EPS (TTM)
$11.04
Forward P/E
7.7
Profit Margin
6.0%
Cash & Balance Sheet
Free Cash Flow
7.5B
EBITDA
5.2B
Book Value
$91.47
Total Debt
56.7B
What Do Analysts Say About PRU?
Low
$92.00
Average
$111.73
High
$132.00
Upside
-1.5%
PRU Fair Value FAQ
What is the fair value of PRU?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), PRU's estimated fair value is $320.19. The stock is currently trading at $113.49, which makes it undervalued by our analysis.
How is PRU's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is PRU overvalued or undervalued?
Based on our analysis, PRU is undervalued. The current price of $113.49 is 182.1% below our estimated fair value of $320.19.
What do Wall Street analysts say about PRU?
15 analysts cover Prudential Financial with a consensus rating of "Hold." The average price target is $111.73, ranging from $92.00 to $132.00. This implies 1.5% downside from the current price.