What Is PRU Fair Value?
Prudential Financial (PRU) fair value estimate using multiple valuation models, updated daily.
As of August 29, 2026, Prudential Financial (PRU) has a composite fair value estimate of $282.51 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $119.79, suggesting the stock is undervalued by 135.8%.
Data as of August 29, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$282.51
vs. current price of $119.79(+135.8%)
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 →
$463.47
+286.9%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 →
$81.10
-32.3%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 →
$172.85
+44.3%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.
$145.18
+21.2%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 $119.79 is 286.9% 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 | $6.69B |
| Year 4 | $8.15B | $6.43B |
| Year 5 | $8.31B | $6.18B |
| Year 6 | $8.48B | $5.94B |
| Year 7 | $8.65B | $5.71B |
| Year 8 | $8.82B | $5.49B |
| Year 9 | $9.00B | $5.28B |
| Year 10 | $9.18B | $5.08B |
| Terminal Value | $261.45B | $144.66B |
What Are PRU's Key Financial Metrics?
Earnings & Growth
Current Price
$119.79
EPS (TTM)
$10.97
Forward P/E
8.1
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
$113.40
High
$131.00
Upside
-5.3%
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 $282.51. The stock is currently trading at $119.79, 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 $119.79 is 135.8% below our estimated fair value of $282.51.
What do Wall Street analysts say about PRU?
15 analysts cover Prudential Financial with a consensus rating of "Hold." The average price target is $113.40, ranging from $92.00 to $131.00. This implies 5.3% downside from the current price.