Profitability
Weight: 25%
D
35
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 114.4%
- Loss Ratio Trend -3.17 pp/yr
PRU
Prudential Financial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C+
60
- 5yr Avg ROE 6.8%
- 5yr Share-Count CAGR -2.4%
Growth Quality
Weight: 10%
C-
48
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR -0.2%
- Loss Ratio Trend (growth quality check) -3.17 pp/yr
- Revenue-Growth Years (5) 2/5
Cash Generation
Weight: 15%
C-
48
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Loss Ratio Stability (σ) 0.37
Balance Sheet
Weight: 25%
B-
66
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.95x
- Interest Coverage (EBIT/Int) 2.21x
Stability
Weight: 10%
C
54
- EPS Volatility (σ/μ) 0.38
- Negative-Revenue Years (5) 3/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 3 added; 1 trimmed.
- Holders
- 4
- Avg Δ position
- +772.3%
- New buys
- 0
- Full exits
- 0
- Cooperman increased +2934%
- Greenblatt increased +119%
- Wood increased +59%