What Is PRU Fair Value?
Prudential Financial (PRU) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Prudential Financial (PRU) has a composite fair value estimate of $355.98 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $115.04, suggesting the stock is undervalued by 209.4%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$355.98
vs. current price of $115.04(+209.4%)
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)
35% 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 →
$649.68
+464.7%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% 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 →
$80.22
-30.3%Overvalued
Inputs used
PRU Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% 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 →
$168.56
+46.5%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
25% 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.
$137.16
+19.2%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 $115.04 is 464.7% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $10.59B | $9.98B |
| Year 2 | $10.80B | $9.59B |
| Year 3 | $11.01B | $9.22B |
| Year 4 | $11.23B | $8.86B |
| Year 5 | $11.46B | $8.52B |
| Year 6 | $11.69B | $8.19B |
| Year 7 | $11.92B | $7.87B |
| Year 8 | $12.16B | $7.56B |
| Year 9 | $12.40B | $7.27B |
| Year 10 | $12.65B | $6.99B |
| Terminal Value | $358.88B | $198.26B |
What Are PRU's Key Financial Metrics?
Earnings & Growth
Current Price
$115.04
EPS (TTM)
$9.73
Forward P/E
7.9
Profit Margin
5.5%
Cash & Balance Sheet
Free Cash Flow
10.4B
EBITDA
5.1B
Book Value
$92.06
Total Debt
55.5B
What Do Analysts Say About PRU?
Low
$90.00
Average
$104.27
High
$117.00
Upside
-9.4%
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 $355.98. The stock is currently trading at $115.04, 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 $115.04 is 209.4% below our estimated fair value of $355.98.
What do Wall Street analysts say about PRU?
15 analysts cover Prudential Financial with a consensus rating of "Hold." The average price target is $104.27, ranging from $90.00 to $117.00. This implies 9.4% downside from the current price.