-1.54%
5.87%
5.31%
5.08%
-16.70%
-45.66%
-50.42%
AI Spotlight on PRU
Company Description
Prudential plc, through its subsidiaries, provides life and health insurance, and retirement and asset management solutions to individuals in Asia, and Africa.It offers health and protection, as well as savings products, such as participating, linked, and other traditional products.The company also provides insurance against common critical illnesses, including cancer, stroke, and heart attack; and tropical disease protection, such as dengue, malaria, and measles.
It manages assets across equity, fixed income, multi asset, quantitative, and alternative strategies on behalf of institutional and individual investors.Prudential plc provides its products and services through agency sales force, banks, and brokers.The company was founded in 1848 and is headquartered in London, the United Kingdom.
Market Data
| Last Price | 678.2 |
| Change Percentage | -1.54% |
| Open | 688.2 |
| Previous Close | 688.8 |
| Market Cap ( Millions) | 17801 |
| Volume | 5519658 |
| Year High | 852.2 |
| Year Low | 594.8 |
| M A 50 | 643.53 |
| M A 200 | 678.71 |
Financial Ratios
| FCF Yield | 6.10% |
| Dividend Yield | 3.10% |
| ROE | 4.50% |
| Debt / Equity | 24.44% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 1.79 |
| Price Earnings Ratio | 33.21 |
| Price To FCF | 16.4 |
| Price To sales | 2.54 |
| EV / EBITDA | 0 |
News
- Jan -21 - Prudential plc (PUK): Why Are Analysts Bullish On This Undervalued Financial Stock?
- Dec -10 - Prudential Is Said to Consider Selling Stake in Eastspring
- Dec -10 - Prudential Is Said to Weigh Options for Asset Manager Eastspring
- Nov -26 - Prudential plc (PUK): Strategic Expansions and AI Innovations Make It a Top Bargain
- Nov -20 - Prudential Insiders Placed Bullish Bets Worth US$1.82m
- Nov -20 - Prudential’s China-Fueled Slump Leaves Stock Ripe for a Rebound
- Nov -19 - UK Blue Chip Laggards Among Top Bets for Fund Manager Invesco
- Oct -09 - Prudential plc (PUK): Among The Stocks With Biggest Upside Potential According to Hedge Funds
- Sep -27 - Prudential to Expand In Indonesia Via Partnership With BSI
- Aug -29 - The top FTSE 100 winners and losers of 2024 so far
- Aug -28 - Financial Services Roundup: Market Talk
- Aug -28 - Prudential PLC Operating Profit Rose in First Half
- Jul -26 - Stocks to watch next week: Meta, Apple, Amazon and also UK interest rates
- Jun -24 - Financial Services Roundup: Market Talk
- Jun -24 - Financial Services Roundup: Market Talk
- Jun -24 - Prudential Plans $2 Billion Share Buyback
- Jun -24 - Prudential to Buy Back $2 Billion Worth of Insurer’s Shares
- Jun -24 - Prudential to Buy Back $2 Billion Worth of Insurer’s Shares
- May -21 - European markets dip and US mixed as attention turns to Nvidia earnings
- May -10 - Stocks to watch this week: Burberry, Vodafone, BT and Walmart
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Hong Kong
Expected Growth : 5.07 %
What the company do ?
Hong Kong is a key market for Prudential plc, a British multinational life insurance and financial services company, offering life insurance and investment products to individuals and businesses.
Why we expect these perspectives ?
Hong Kong's 5.07% growth from Prudential plc is driven by a strong economy, increasing life expectancy, and a growing middle class. The territory's status as a financial hub and tourist destination also boosts demand for insurance products. Additionally, the government's initiatives to increase insurance penetration and the rising awareness of retirement planning contribute to the growth.
Segment n°2 -> Singapore
Expected Growth : 5.07 %
What the company do ?
Prudential Singapore is a leading life insurer and one of the top life insurance companies in Singapore, offering a range of insurance and financial planning solutions.
Why we expect these perspectives ?
Singapore's 5.07% growth from Prudential plc is driven by a strong economy, increasing life expectancy, and a growing middle class. The government's initiatives to promote financial literacy and retirement planning also contribute to the growth. Additionally, Prudential's established brand and extensive distribution network in the region support the company's expansion.
Segment n°3 -> Growth Markets and Other
Expected Growth : 7.84 %
What the company do ?
Growth Markets and Other from Prudential plc refers to the insurer's operations in Asia and Africa, as well as other smaller businesses.
Why we expect these perspectives ?
Prudential plc's Growth Markets and Other segment, with a growth rate of 7.84%, is driven by increasing demand for insurance and investment products in emerging markets, particularly in Asia. Key drivers include a growing middle class, urbanization, and rising life expectancy, leading to increased savings and investment. Additionally, the company's digital transformation and expansion into new markets also contribute to its growth.
Segment n°4 -> Malaysia
Expected Growth : 9.27 %
What the company do ?
Prudential Malaysia is a leading insurance company in Malaysia, offering a range of life insurance and takaful products to individuals and businesses.
Why we expect these perspectives ?
Malaysia's 9.27% growth driven by increasing life insurance penetration, rising middle-class population, and growing demand for health insurance. Prudential plc benefits from its established presence, strong distribution network, and innovative product offerings. Additionally, the government's initiatives to promote insurance adoption and economic growth contribute to the segment's expansion.
Segment n°5 -> Indonesia
Expected Growth : 10.33 %
What the company do ?
Prudential plc's Indonesia business, also known as Prudential Indonesia, is a leading life insurer in Indonesia, offering a range of insurance products to individuals and groups.
Why we expect these perspectives ?
Indonesia's 10.33% growth driven by increasing life insurance penetration, rising middle-class income, and government support for insurance industry development. Prudential plc benefits from its established presence, strong distribution network, and diversified product offerings, including bancassurance and digital channels, catering to the country's large and young population.
Segment n°6 -> CITIC Prudential Life
Expected Growth : 8.95 %
What the company do ?
CITIC Prudential Life is a joint venture between CITIC Limited and Prudential plc, offering life insurance products in China.
Why we expect these perspectives ?
CITIC Prudential Life's 8.95% growth driven by increasing demand for insurance products in China, strategic partnership with CITIC, expansion into new markets, and effective distribution channels. Additionally, Prudential plc's strong brand reputation, diversified product offerings, and efficient operations also contributed to the growth.
Segment n°7 -> Eastspring
Expected Growth : 7.95 %
What the company do ?
Eastspring is the Asian asset management business of Prudential plc, offering a range of investment solutions to institutional and retail clients.
Why we expect these perspectives ?
Eastspring's 7.95% growth driven by increasing demand for Asian equity and fixed income products, expansion into high-growth markets, and strategic partnerships. Strong brand recognition, robust investment capabilities, and effective cost management also contribute to growth. Additionally, Prudential plc's global network and resources provide a solid foundation for Eastspring's continued expansion.
Segment n°8 -> Unallocated
Expected Growth : 5.1 %
What the company do ?
Unallocated from Prudential plc refers to the portion of the company's capital that is not assigned to any specific business unit or segment, often used for strategic investments or future growth opportunities.
Why we expect these perspectives ?
Unallocated segment's 5.1% growth driven by Prudential plc's effective cost management, favorable foreign exchange rates, and strong investment performance. Additionally, the insurer's strategic focus on Asia and digital transformation initiatives have contributed to the growth, while the group's active capital management has also supported the segment's expansion.
Prudential Plc Products
| Product Range | What is it ? |
|---|---|
| Life Insurance | Provides financial protection to individuals and their families in the event of death or terminal illness. |
| Health Insurance | Covers medical expenses, including hospital stays, surgeries, and other medical treatments. |
| Investments | Offers a range of investment products, including unit trusts, bonds, and pensions. |
| Retirement Solutions | Provides pension and retirement planning services to help individuals achieve their retirement goals. |
| Asset Management | Manages investments on behalf of institutional clients, such as pension funds and insurance companies. |
| Eastspring Investments | Offers a range of investment products, including equities, fixed income, and multi-asset solutions. |
Prudential plc's Porter Forces
Threat Of Substitutes
Prudential plc operates in the insurance industry, where substitutes are limited. However, customers may opt for self-insurance or alternative financial products, posing a moderate threat.
Bargaining Power Of Customers
Prudential plc's customers have limited bargaining power due to the company's strong brand and diversified product offerings, making it difficult for customers to negotiate prices or terms.
Bargaining Power Of Suppliers
Prudential plc has a diversified supply chain, and its suppliers have limited bargaining power due to the company's large scale and negotiating power.
Threat Of New Entrants
The insurance industry has high barriers to entry, including regulatory hurdles and capital requirements, making it difficult for new entrants to compete with established players like Prudential plc.
Intensity Of Rivalry
The insurance industry is highly competitive, with many established players competing for market share. Prudential plc faces intense rivalry from competitors, which can lead to pricing pressures and advertising wars.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 21.47% |
| Debt Cost | 4.32% |
| Equity Weight | 78.53% |
| Equity Cost | 10.25% |
| WACC | 8.98% |
| Leverage | 27.35% |
Prudential plc : Quality Control
Prudential plc passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| AON | Aon plc, a professional services firm, provides advice and solutions to clients focused on risk, retirement, and health worldwide. It offers commercial risk solutions, including retail brokerage, cyber, and global … |
| WUW.DE | Wüstenrot & Württembergische AG, together with its subsidiaries, provides insurance products and services in Germany, the Czech Republic, and internationally. It operates through Housing, Life and Health Insurance, Property/Casualty Insurance, … |
| WTW | Willis Towers Watson Public Limited Company operates as an advisory, broking, and solutions company worldwide. It operates through two segments, Health, Wealth and Career; and Risk and Broking. The company … |
| STAN.L | Standard Chartered PLC, together with its subsidiaries, provides various banking products and services primarily in Asia, Africa, Europe, the Americas, and the Middle East. The company operates through two segments: … |
| LSEG.L | London Stock Exchange Group plc engages in the market infrastructure business primarily in the United Kingdom, the United States, other European countries, Asia, and internationally. The company operates through three … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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LSEG
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Standard Chartered
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Wüstenrot & Württembergische
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4
Aon
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5
Willis Towers Watson
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6
