NYSE: PRU · Life Insurance
Prudential Financial (PRU) fair value and price range
As of 3 Oct 2026, Faircurve's model values Prudential Financial (PRU) at $136.90 a share. The stock last closed at $112.60, which puts the model's fair value 21.6% above the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 2 Oct 2026. Prudential Financial, Inc.
Faircurve Insights · 3 Oct 2026
Prudential Financial, Inc., together with its subsidiaries, provides financial products and services in the United States, Japan and internationally. It operates in Financial Services and Life Insurance.
Faircurve's model found a fair value of $136.90 a share on 3 Oct 2026, the midpoint of 2,000 simulations. This fair value moved -0.9% from the previous run on 26 Sep 2026, which was $138.12. The model's calibrated range over 63 trading days is $114.22 to $165.97, built from the fair value and calibrated weekly against realised prices, and ranges built this way held the price 60% of the time at this horizon. The model grades the evidence behind this valuation as low.
The model compares Prudential Financial, Inc. with MetLife, Inc. The stock's moves around its last 8 earnings reports were: 4 Aug 2026 -2.3%, 5 May 2026 +2.6%, 3 Feb 2026 -8.5%, 29 Oct 2025 +1.6%, 30 Jul 2025 +0.1%, 30 Apr 2025 -2.2%, 4 Feb 2025 -4.1%, 30 Oct 2024 -2.2%. The median size of these moves, ignoring direction, was 2.3%.
Written from the figures on this page for the 3 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give PRU?
The calibrated range for PRU over 63 trading days is $114.22 to $165.97. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,809 past valuations, refreshed 3 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is below this range. For names with fair value 15 to 30% above price, the calibrated range has held the price 50% of the time over 63 trading days, and 48% ended below it; the typical move was +3.7%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $106.25 to $173.10. In 73% of the simulations the fair value came out above the price the model ran on.
How does PRU compare with similar companies?
The companies in life insurance closest to Prudential Financial in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| AFL Aflac Incorporated | $111.54 | $100.98 | -9.5% | Low evidence grade |
| MET MetLife, Inc. | $94.43 | $83.83 | -11.2% | Fairly valued |
| UNM Unum Group | $88.57 | $81.02 | -8.5% | Low evidence grade |
| GL Globe Life Inc. | $165.68 | $188.03 | +13.5% | Low evidence grade |
| JXN Jackson Financial Inc. | $131.53 | $225.72 | +71.6% | Gap wider than 60% |
| VOYA Voya Financial, Inc. | $96.65 | $98.27 | +1.7% | Low evidence grade |
| PRI Primerica, Inc. | $275.42 | $296.71 | +7.7% | Low evidence grade |
| LNC Lincoln National Corporation | $40.30 | $115.99 | +187.8% | Gap wider than 60% |
When does PRU report earnings, and how has the stock reacted?
Prudential Financial's next earnings report is scheduled for 4 Nov 2026. Companies can move their dates.
Options prices on 2 Oct 2026 imply a move of about 7.8% in either direction through the nearest expiry, about 48 days out, a window that includes the report. That is the size the market is pricing, not a direction.
How PRU moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 2.3%.
| Report date | Two session move |
|---|---|
| 4 Aug 2026 | -2.3% |
| 5 May 2026 | +2.6% |
| 3 Feb 2026 | -8.5% |
| 29 Oct 2025 | +1.6% |
| 30 Jul 2025 | +0.1% |
| 30 Apr 2025 | -2.2% |
| 4 Feb 2025 | -4.1% |
| 30 Oct 2024 | -2.2% |
Prudential Financial at a glance
Prudential Financial, Inc., together with its subsidiaries, provides financial products and services in the United States, Japan and internationally.
- Market value
- $39.1B
- Sector
- Financial Services
- Industry
- Life Insurance
- Consensus revenue growth, next fiscal year
- -2.5%
- Analysts with estimates
- 8
- Beta to the US market
- 0.84
- First valued by Faircurve
- 4 Jul 2026
How the fair value is worked out: the model prices Prudential Financial on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for PRU was $138.12. As of 3 Oct 2026 it is $136.90, a change of -0.9%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Prudential Financial's valuation
Is Prudential Financial stock undervalued or overvalued?
Faircurve's model puts PRU's fair value at $136.90 a share against a last close of $112.60, as of 3 Oct 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is PRU's fair value?
$136.90 a share as of 3 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $106.25 to $173.10.
What price range does the model give PRU?
$114.22 to $165.97 over 63 trading days. Ranges built this way held the price 60% of the time across 4,809 past valuations, refreshed 3 Oct 2026.
When does Prudential Financial report earnings next?
The next report is scheduled for 4 Nov 2026. Companies can move their dates.
How much has PRU moved on past earnings reports?
Across its last 8 reports the median two session move was 2.3%, ignoring direction. The largest was -8.5% around the report of 3 Feb 2026.
How confident is the model in this valuation?
The model's evidence grade for PRU is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.