)
Visual
test
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 7 FebGICRE
Net profit for the nine months surged to ₹6,62,217 lakhs, with a robust solvency ratio of 3.87. - 7 Feb517271
Strong revenue and profit growth, interim dividend, and major investments approved. - 7 Feb514167
Quarterly and nine-month results reflect solid revenue, profit, and compliance with new labour codes. - 7 FebMGL
Strong revenue growth offset by lower margins and profit; interim dividend declared. - 7 FebPGIL
Strong revenue and margin growth, with India set for further expansion and upgraded ratings. - 7 Feb504614
Strong revenue and profit growth in Q3 FY26, led by power and steel segments. - 7 FebCHEMPLASTS
Net losses widened and revenue fell year-over-year amid regulatory and market headwinds. - 7 FebSBIN
Q3 FY26 net profit reached ₹21,028.15 crore, driven by robust income and strategic divestments. - 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus.
Next Prudential Financial earnings date
Q1 202630 Apr, 2026
Prudential Financial
Next Prudential Financial earnings date
Q1 202630 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage