PFH PRUDENTIAL FINANCIAL INC

Overview and Growth

In fiscal 2025, PRUDENTIAL FINANCIAL INC recorded $60.77B of revenue, net income of $3.58B, and an operating cash inflow of $6.27B. At $60.77B, the top line establishes the operating scale supporting the company’s profit and cash-flow profile. Compared with $70.41B in fiscal 2024, revenue decreased 13.7%, a top-line contraction that reduced operating scale. The company reported diluted EPS of $9.99, adding a shareholder-level measure to the absolute income figures considered below. Against diluted EPS of $7.50 in fiscal 2024, the current result was 33.2% higher. The diluted weighted-average share count was 353.70M, linking total earnings with the per-share result received by shareholders. Diluted shares moved 1.6% from 359.30M in fiscal 2024, leaving the current share base lower year over year. The company employed $773.74B of total assets, the balance-sheet base supporting its current operating and cash-flow results. Revenue equaled 0.08x of total assets, indicating how much reported top-line activity the company produced relative to its period-end asset base.

Profitability

After all reported below-operating-line items, the company recorded net income of $3.58B for the fiscal year. Net margin was 5.9%, meaning that this portion of revenue remained as net income after all recognized expenses. The reported income-tax provision was $1.05B, the amount recognized between pretax income and the final net-income result. Net income equaled 10.9% of period-end equity, showing the earnings generated on shareholders’ book capital. Net income represented 0.5% of period-end assets, placing the company’s bottom-line result against the total resource base employed. Current net income of $3.58B was above fiscal 2024 net income of $2.73B, showing the direction of the bottom-line change.

Liquidity and Capital Structure

At period end, the $773.74B asset base was financed through $738.16B of liabilities and $32.79B of equity. The company held $19.71B in cash and equivalents, a narrower liquidity measure than total current assets. Borrowings totaled $20.30B, adding a fixed financing obligation alongside the company’s equity capital. The debt-to-equity relationship was 0.62x, showing how much debt the company carried for each unit of book equity. Relative to total assets, debt measured 2.6%, showing how much of the asset base was matched by borrowing. Equity equaled 4.2% of assets, showing the shareholder-capital layer within the company’s balance sheet. The liabilities-to-assets relationship was 95.4%, placing reported obligations against the full positive asset balance. Cash and equivalents equaled 2.5% of total assets, showing the liquid cash component within the company’s broader resource base. Total assets were 5.2% higher than fiscal 2024 assets of $735.59B, measuring the company’s own balance-sheet change. Reported equity changed 16.3% from $28.19B in fiscal 2024, placing the current capital base higher year over year. Cash and equivalents were 6.6% higher than fiscal 2024 cash of $18.50B, showing the year-over-year change in liquid resources.

Cash Flow and Earnings Quality

The company reported $6.27B of operating cash flow, a cash inflow that shows the cash generated by operations. The operating-cash-flow-to-net-income relationship was 1.75x, comparing cash generated by operations with the bottom-line earnings result. Operating cash flow of $6.27B finished below fiscal 2024 operating cash flow of $8.50B, showing the year-over-year direction of cash generation.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 26, 2026.