PRU Stock Analysis: Buy, Sell, or Hold?
PRU - Prudential Financial, Inc.
$111.11
1.24 (1.13%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 03, 2026
2d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: PRU shows positive signals but monitor for confirmation. Market pricing in 0.8% decline. Moderate conviction.
💡 BUY OPPORTUNITY: PRU shows positive signals but monitor for confirmation. Market pricing in 0.8% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$133.03
Based on 3.5% avg growth
INTRINSIC VALUE TODAY
$82.60
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRU is currently trading at $111.11, which is considered slightly low relative to its 30-day fair value range of $109.67 to $116.98. The stock's valuation (Forward PE: 7.4) is in line with its historical norms (7.5). Remarkably, the market is currently pricing in an annual earnings decline of 0.8% over the next few years. This pessimistic expectation contrasts with the company's recent 223.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PRU is in a strong uptrend. Immediate support is located at $106.63, while resistance sits at $115.33.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PRU is in a strong uptrend. Immediate support is located at $106.63, while resistance sits at $115.33.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$109.67 -
$116.98
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($119.36)
Fair Price Analysis
30-Day Fair Range
$109.67 -
$116.98
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$106.63
Resistance Level
$115.33
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
7.36
Wall Street Target
$119.36
(+8.6%)
Revenue Growth (YoY)
-8.3%
Earnings Growth (YoY)
223.4%
Profit Margin
4.5%
Valuation Discount vs History
-0.8% cheaper
PE vs Historical
7.4 vs 7.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.8%
(market-implied from PE analysis)
1-Year Target
$108.99
(-1%)
2-Year Target
$108.12
(-2%)
3-Year Target
$107.25
(-2%)
3-Yr Target (if PE normalizes)
(PE: 7→8)
$109.35
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 3.0%)
$364.35
(+232%)
Base:
(SPY PE: 7.4, Growth: 3.0%)
$120.19
(+9%)
Bear:
(PE: 6.3, Growth: 3.0%)
$102.16
(-7%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 14.75 | Current EPS (TTM): $7.30
Bull Case
$236.92
(+113%)
Analyst growth 100.0%, PE expands to 16.2
Base Case
$215.38
(+94%)
Market implied 100.0%, PE stable at 14.8
Bear Case
$73.23
(-34%)
Severe decline -20.0%, PE contracts to 12.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.4 to 7.5
Stabilization Target:
$112.01
(+2.0%)
PE Expansion Potential:
+2.0%
Last updated: January 31, 2026 7:21 AM ET
Data refreshes hourly during market hours. Next update: 8:21 AM
Data refreshes hourly during market hours. Next update: 8:21 AM
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Technical Signals Check
Is PRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
SELL
2025-09-29
Ann M Kappler
SELL
4000 shares
2025-08-29
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