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Prudential Financial
Prudential Financial (PRU) investor relations material
Prudential Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Pre-tax adjusted operating income grew 12% year-over-year to $6.6 billion ($14.43/share) in 2025, with adjusted operating ROE at 15% and GAAP net income per share up 33% to $9.99.
Fourth quarter after-tax adjusted operating income was $1.2B ($3.30/share), including a $107M one-time charge; excluding this, EPS was $3.60, up 22% year-over-year.
Voluntary 90-day suspension of new sales at the Japan business (POJ) due to employee misconduct, with comprehensive remediation actions and customer reimbursement underway.
Strategic transformation included exits from PGIM Taiwan and the insurance business in Kenya, and a flattened leadership structure.
Assets under management reached $1.609 trillion, up from $1.512 trillion a year ago.
Financial highlights
Adjusted operating ROE reached 15% for 2025, with adjusted book value per share at $100.17 and GAAP book value per share at $92.05.
Net income attributable to shareholders was $3.6 billion for 2025, up from $2.7 billion in 2024.
PGIM pre-tax adjusted operating income was $249M in Q4, with AUM up 7% to $1.466T; net outflows of $10B in Q4 due to industry shift and a large client withdrawal.
U.S. businesses delivered $1.1B pre-tax adjusted operating income in Q4, up 22% year-over-year, driven by higher spread income and favorable underwriting.
International businesses generated $757M pre-tax adjusted operating income in Q4, modestly higher year-over-year, with record sales in Brazil and continued momentum in Japan.
Outlook and guidance
Estimated $300M-$350M pre-tax adjusted operating income impact in 2026 from the Japan suspension and related actions, with a smaller impact expected in 2027 if the suspension is not extended.
Intermediate EPS growth target of 5%-8% for 2024-2027 may be at the low end due to Japan, with further downside if the issue persists.
2026 share repurchase authorization set at $1.65 billion, with $1 billion remaining.
Effective tax rate expected at 23–24% for 2026.
Corporate & Other's expected quarterly run-rate loss is ~$415 million.
How do divestitures align with capital allocation
PGIM active equities flow reversal strategy
Organizational charge impact on future efficiency
POJ sales suspension: expected revenue impact?
Details on the $107M organizational charge
PGIM affiliated outflows: underlying drivers?
POJ Life Planner retention if sales halt extends
PGIM: Timeline to offset active equity outflows
Global footprint optimization criteria and scope
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Next Prudential Financial earnings date
Q1 202630 Apr, 2026
Prudential Financial
Next Prudential Financial earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Prudential Financial, Inc., also known as Prudential or PRU, is one of the largest global financial services organizations. The company's businesses focus on insurance and asset management, with significant additional operations in investment management, securities brokerage, and real estate brokerage. They provide a variety of products, including individual and group annuities, life insurance policies, mutual funds and pension-related investments. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
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