Stock Ratings / Financials / PRU / options

SLF (64) PUK (50) MET (71) MFC (62) ⌘ Pro Terminal →

Prudential Financial Inc. (PRU) Options Positioning, Max Pain & Unusual Sweeps

$116.45 -0.36% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $116.15

Prudential Financial Inc. (PRU) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $40.18B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PRU Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PRU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Prudential Financial Inc. (NYSE: PRU) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $116.45 (-0.36% 1D, market cap $40.18B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, PRU ranks #162 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PRU compare to SLF and PUK in the Financials sector?

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Within the Financials sector (Life Insurance), PRU carries a Roarable C+ (67/100 RQD), trailing P/E of 11.3x, gross margin of —, and ROIC of 10.9%. By comparison, SLF (Sun Life Financial Inc.) holds a C grade (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $45.06B) and PUK (Prudential Public Limited Company) posts a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $30.87B). Among the 5-stock peer group, PRU leads on earnings multiple (11.3x) while PRU leads on capital efficiency (10.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PRU?

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Per PRU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001137774), Prudential Financial Inc. generated $60.77B in revenue (-13.7% YoY), $3.58B in net income, and $3.54B in free cash flow against $773.74B in total assets and $18.86B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $116.16 (-0.25%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 5.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PRU)Realized 20D OHLCV Swing Band: ±3.9%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY PRU SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (52) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$113.49+1.2% Next Q

Q2 (-2Q)

Grade C+$114.82+0.5% Next Q

Q3 (-1Q)

Grade C+$115.37+0.9% Next Q

Current

Grade C+$116.45+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PRU Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, PRU faces multiple-compression risk if 11.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($116.70) or 200D SMA ($108.67) invalidates the momentum regime and cuts Target Base ($121.17) toward Bear Floor ($94.51).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PRU• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PRU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±3.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (PRU)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for PRU.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PRU & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on PRU
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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PRU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.25%⚡ TESTING RESISTANCE

2026-11-03O $116.9H $116.9L $116.5C $116.5VOL 2.07M

RES: $116.7SUP: $113.5SMA50: $116.7SMA200: $108.7

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PRU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PRU Butterfly Map → + Track PRU →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.3%/yr Implied 5Y Growth

vs. -13.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PRU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PRU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PRU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PRU)

Financials Rank #162 of 1096 ⚔️ SLF vs PRU Full Matrix →

1. Head-to-Head Financials Peer Comparison (PRU vs. SLF, PUK, MET, MFC)

Industry: Life Insurance (18 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Prudential Financial Inc. (PRU) ranks #162 by composite RQD confidence (67/100, grade C+) and #73 by equity capitalization ($40.18B). Within this direct 5-issuer industry benchmark cohort, PRU leads on earnings valuation at 11.3x trailing P/E, while PRU leads on capital efficiency and profitability with 10.9% ROIC and — gross margin. MET currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with PRU at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PRU ACTIVE Prudential Financial Inc.	C+	67/100	11.3x	—	10.9%	-0.36%	$40.18B	Benchmark Subject
SLF Sun Life Financial Inc.	C	64/100	32.8x	—	9.9%	-1.10%	$45.06B	/slf-vs-pru →
PUK Prudential Public Limited Company	D	50/100	32.8x	—	9.9%	+1.27%	$30.87B	/puk-vs-pru →
MET MetLife Inc.	B-	71/100	20.2x	—	1.6%	-0.80%	$63.56B	/met-vs-pru →
MFC Manulife Financial Corporation	C	62/100	32.8x	—	9.9%	-1.37%	$74.48B	/mfc-vs-pru →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001137774

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Prudential Financial Inc. (PRU) reported GAAP revenue of $60.77B (-13.7% vs. FY2024 revenue of $70.41B , and +12.6% cumulative change since FY2023) , GAAP net income of $3.58B, operating cash flow of $6.27B, and free cash flow of $3.54B (-33.7% YoY). On the balance sheet, PRU closed FY2025 with $773.74B in total assets against $18.86B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$60.77B	$3.58B	$6.27B	$3.54B	$773.74B	$18.86B
FY2024 (FY)	2024-12-31	$70.41B	$2.73B	$8.50B	$5.33B	$735.59B	$19.19B
FY2023 (FY)	2023-12-31	$53.98B	$2.49B	$6.51B	$4.08B	$64.77B	$15.16B

3. PRU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PRU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PRU compare to SLF and PUK in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PRU?

Where is PRU trading relative to its 50-day, 200-day, and 52-week technical levels?

PRU last traded at $116.45 (-0.36% on volume of 2,071,824 shares), positioning the stock -0.21% below its 50-day simple moving average ($116.70) and +7.16% above its 200-day simple moving average ($108.67). Across its 52-week range of $91.89 to $127.72, PRU sits at the 68.5% percentile with a 14-day RSI of 52.0 (NEUTRAL RANGE) and an implied next-earnings move of ±3.9% ($111.91 to $120.99).

PRU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is PRU's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for PRU.

Direct Sub-Reports: PRU RQD Cockpit PRU 12M Forecast PRU Earnings & Move PRU Dividends & DRIP PRU Insiders & 13F PRU Whale Options PRU Profit Sankey PRU News & Why

ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

PRU — Prudential Financial Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:11:39Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, PRU scores 69 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine 12/20 (ROIC 10.9%; FCF yield 8.77%), Whale 13F Flow 13/20 (institutional accumulation and options positioning), Insider Conviction 17/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit 12/20 (Beta 1.01; sector sensitivity), and Forensic Balance Sheet 15/20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5). The strongest pillar is insider conviction, which is the highest-scoring factor and is the main upside driver in this rating. The Fundamental Cash Engine and Macro Regime Fit pillars score lower, which tempers the case: the cash-generation and beta profile do not add much conviction beyond a neutral stance. Forensic balance-sheet strength is the second-strongest pillar and supports the view that near-term solvency is not the primary concern. For a prospective investor, the rating implies a neutral-to-watchful posture rather than a clear buy or sell signal, with valuation tradeoffs visible in the P/E of 11.3 (TTM) and forward P/E of 10.5 set against the 4.78% dividend yield. This is an analytical framing, not personalized financial advice.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
116.87	$40.32B	11.3	10.5	5.9	10.37	4.78%	1.01	$91.89 - $127.72	10.9%

Business

Prudential Financial Inc. (PRU) is a NYSE-listed issuer in the Financials sector, operating in the Life Insurance industry. Per the profile, the company has a market capitalization of $40.3B. The source data does not describe its specific products, customer segments, or revenue model beyond the sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$60774.0M	$4219.7M	$3576.0M	N/A	$3536.2M	$19712.0M	$18856.0M
FY 2024	$70405.0M	$3217.9M	$2727.0M	N/A	$5333.8M	$18497.0M	$19187.0M
FY 2023	$53979.0M	$2935.8M	$2488.0M	N/A	$4080.9M	N/A	$15157.3M

Per the SEC financials, net income rose from $2727.0M in FY 2024 to $3576.0M in FY 2025 while revenue fell from $70405.0M to $60774.0M, and FCF declined from $5333.8M to $3536.2M. Market data shows an operating margin of 7.2%, a net margin of 5.9%, and ROIC of 10.9%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 8/9, and Debt/Equity is 0.5. Debt was $18856.0M at FY 2025 against cash of $19712.0M.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, six items are listed, all tagged to PRU. Headlines reference a Japan reinsurance development, a Japan business update following FSA orders and remediation steps, and an item noting that the company still sees a roughly $1B impact on pretax adjusted operating income from a POJ suspension. These are flagged as YELLOW risk watch items in the feed. A CATALYST-tagged GREEN item references analyst confidence. Other items reference a 46% three-year run and a stock-forecast piece. Per the Butterfly Supply-Chain Graph, there are no proprietary signals and no supply-chain links recorded.

Open Questions

What is the magnitude and timing of the roughly $1B POJ-related impact on pretax adjusted operating income, and how does it factor into forward earnings?
Why did revenue decline sharply from FY 2024 to FY 2025 while net income increased, and what drove the difference?
What are the Japan FSA orders and remediation steps, and what is their scope?
Who are the institutional and insider holders, since no holder or analyst data is provided?
What is the consensus analyst rating and price target, given that no analyst data was supplied?

PRU Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Prudential Financial Inc. (PRU) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PRU Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 17h ago

Prudential Financial (PRU) Stock May Be Undervalued Despite Fresh Japan Reinsurance News

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 20h ago

Prudential Financial, Inc. (PRU) Discusses Japan Business Update Following FSA Orders, Remediation Steps, and Path Forward - Slideshow (NYSE:PRU) 2026-10-09

Seeking Alpha report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE StockInvest.us • 23h ago

Prudential Financial Stock Price Forecast. Should You Buy PRU?

StockInvest.us report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Is Prudential Financial (PRU) A Bargain On Rising Analyst Confidence?

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Prudential still sees ~$1B impact on pretax adjusted operating income from POJ suspension (PRU:NYSE)

Seeking Alpha report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Prudential Financial (PRU) Stock Could Be Cheap Following Its 46% Three Year Run

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Yahoo Finance • 1d ago

Prudential (LSE:PRU) Stock Looks Undervalued After A 32% Five Year Fall

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Prudential Financial (PRU) After The SoFi Tie Up Looks Fully Valued

Yahoo Finance report covering Prudential Financial Inc. (PRU) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PRU Bull vs. Bear Conversation Board — What's Your Call at $116.45?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PRU 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $126.22 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is PRU (C+ • RQD 69/100) a Buy at $116.87?

Welcome to the PRU (Prudential Financial Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Life Insurance. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $87.65 (-25.0%)

Spot @ $116.87

Pump the brakes on PRU — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on PRU, but look at what you are paying: 11.3x trailing P/E with tightening sector spreads. Unless Prudential Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $143.75 (+23.0%)

Spot @ $116.87

PRU cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on PRU, the market is fixating on short-term headline noise in Life Insurance and ignoring the balance sheet and cash flow trajectory. At $116.87 (52-wk range $91.89 - $127.72), any beat on forward guidance forces shorts and underweight funds to chase.