Latest news with #PRU
Yahoo
4 days ago
- Business
- Yahoo
PRU Lags Industry, Trades at a Discount: What Should Investors Do Now?
Shares of Prudential Financial Inc. PRU have lost 11.4% in the past year, underperforming the industry, the Zacks S&P 500 composite and the Finance sector's growth of 8.1%, 11.4% and 19.5%, insurer has a market capitalization of $36.73 billion. The average volume of shares traded in the last three months was 1.9 million. Image Source: Zacks Investment Research PRU shares are trading at a price to forward 12-months earnings of 7.34X, lower than the industry average of 8.91X, the Finance sector's 16.21X and the Zacks S&P 500 Composite's 21.83X. Its pricing, at a discount to the industry average, gives a better entry point to investors. Also, it has a Value Score of A. Shares of other insurers like Horace Mann Educators Corporation HMN and EverQuote, Inc. EVER are trading at a multiple higher than the industry average, while shares of MGIC Investment Corporation MTG are trading at a discount to the industry average. Image Source: Zacks Investment Research The Zacks Consensus Estimate for Prudential Financial's 2025 earnings per share indicates a year-over-year increase of 8.2%. The consensus estimate for 2026 earnings per share and revenues indicates an increase of 8.2% and 4.1%, respectively, from the corresponding 2025 estimates. Three of the nine analysts covering the stock have lowered estimates for 2025, while two analysts have lowered the same for 2026 over the past 30 Zacks Consensus Estimate for 2025 earnings has moved down 0.8% in the past 30 days, while the same for 2026 has moved down 0.2% in the same time frame. Image Source: Zacks Investment Research Based on short-term price targets offered by 15 analysts, the Zacks average price target is $114.87 per share. The average indicates a potential 10% upside from the last closing price. Image Source: Zacks Investment Research PRU's trailing 12-month return on equity is 15.8%, ahead of the industry average of 14.8%. Return on equity, a profitability measure, reflects how effectively a company is utilizing its shareholders. Prudential Financial is witnessing huge demand for retirement benefit products for baby boomers, which is expected to continue. The U.S. Census Bureau projects that nearly 25% of the population will be 65 years or older by 2050. PRU's vast distribution network, compelling product portfolio and superior brand image will give it a competitive edge. The company intends to be a global leader in expanding its access to investment, insurance and retirement security. It undertakes several strategic initiatives, which poise it well for long-term growth. It continues to invest in the long-term sustainable growth of the business through programmatic acquisitions and partnerships in emerging markets to build scale and complement businesses in support of long-term growth. Prudential Financial has a strong international presence that gives it more organic growth opportunities than its peers. Expanding its international business is vital for long-term growth. PRU has a strong footprint in Japan, which offers attractive opportunities to capitalize on protection products and retirement needs and has historically generated ROE in the 20% range. Its business in Brazil has gained sufficient scale and should become an important contributor to earnings growth in the international division over the next few years. It has also expanded in Malaysia, which is an attractive market with low life insurance penetration, a well-developed regulatory environment and long-term growth has been increasing its dividend for the past 16 years. The company continues to balance investments in the growth of businesses with returning capital to shareholders. Prudential Financial continues to benefit from its solid asset-based businesses, improved margins in the Group Insurance business and international operations. A high-performing asset management business and deeper reach in the pension risk transfer market are catalysts for long-term growth. Prudential Financial's exposure to products like annuities and universal life, which guarantee a minimum return, will strain its capital. Its results have been suffering due to additional reserve accretion required when the low interest rate increases the value of these liabilities. The company expects individual annuities sales to continue to be lower in the near term due to the repricing and repositioning of products. Lower sales reflect its pivot to less market-sensitive products. PRU also has a VGM Score of B. Stocks with a favorable VGM Score are those with the most attractive value, best growth and most promising momentum compared with peers. Given its bearish analysts' sentiment, we prefer to remain cautious on this Zacks Rank #3 (Hold) stock. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report MGIC Investment Corporation (MTG) : Free Stock Analysis Report Prudential Financial, Inc. (PRU) : Free Stock Analysis Report EverQuote, Inc. (EVER) : Free Stock Analysis Report Horace Mann Educators Corporation (HMN) : Free Stock Analysis Report This article originally published on Zacks Investment Research ( Zacks Investment Research Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Malay Mail
19-05-2025
- Health
- Malay Mail
Prudential launches plan to provide customers with daily income during hospitalisation and recovery
PRUHospital Care360, a hospital income insurance plan, offers additional financial security and peace of mind Highlights of PRUHospital Care360: Daily Hospital Income Benefit : Daily income for each day of hospitalisation due to an illness or injury, up to the maximum of 500 days for each illness or injury. : Daily income for each day of hospitalisation due to an illness or injury, up to the maximum of 500 days for each illness or injury. Daily ICU Income Benefit : Daily income for each day of hospitalisation in the Intensive Care Unit (ICU) due to an illness or injury, up to the maximum of 30 days for each illness or injury. : Daily income for each day of hospitalisation in the Intensive Care Unit (ICU) due to an illness or injury, up to the maximum of 30 days for each illness or injury. Daily Accidental Hospital Income Benefit : Daily income for each day of hospitalisation due to an injury, provided that the life assured is hospitalised for at least three days. The benefit is payable up to the maximum of 30 days for each injury. : Daily income for each day of hospitalisation due to an injury, provided that the life assured is hospitalised for at least three days. The benefit is payable up to the maximum of 30 days for each injury. Daily Infectious Disease Hospital Income Benefit : Daily income for each day of hospitalisation due to one of the 21 covered infectious diseases, up to the maximum of 30 days for each infectious disease that is diagnosed. : Daily income for each day of hospitalisation due to one of the 21 covered infectious diseases, up to the maximum of 30 days for each infectious disease that is diagnosed. Homecare Benefit : Lump sum payout to support post-hospitalisation care at home. : Lump sum payout to support post-hospitalisation care at home. Day Surgery Benefit: Lump sum payout for eligible day surgery procedures. [1] Source: [2] PRUHospital Care360 policyholders enjoy a 15 per cent discount on all Traditional Chinese Medicine services at Thomson Medical Centre. For more information, please visit: SINGAPORE - Media OutReach Newswire - 19 May 2025 - Prudential Singapore ("Prudential") has launched PRUHospital Care360, a hospital income insurance plan designed to provide financial support to individuals for their unexpected hospital stays and the subsequent recovery period. The plan provides a daily income if the life assured is hospitalised due to illness or injury, as well as lump sum benefits for post-hospitalisation recuperation and day Sidharth Kachroo, Chief Health Officer, Prudential Singapore, said: "Most people in Singapore have health insurance, but extended illnesses or injuries can result in periods of time where one cannot work, impacting your income. Unplanned hospitalisations entail additional expenses which are challenging for primary breadwinners with dependents, self-employed individuals and freelancers without fixed income. PRUHospital Care360 can provide individuals with the peace of mind knowing that they will have extra income to pay for unforeseen expenses."According to data from the Ministry of Health in Singapore, the average length of stay in public hospitals is about 7 days[1]. Depending on the ward and hospital type, daily charges can range from less than a hundred to a few hundred dollars or more. Hospital income plans give customersthe flexibility to use the payouts according to their needs. It can be used to replace income for their daily expenses or cope with non-medical expenses such as caregiver help or home modifications to assist with standard benefits like daily hospital income, PRUHospital Care360 is a unique plan that offers additional income for hospital stays due to an accident as well as infectious addition, PRUHospital Care360 policyholders can access a range of value-added services with partner healthcare institutions to help them access quality healthcare more seamlessly. These include health screening and vaccination packages, chronic care management programmes, traditional Chinese medicine treatment[2] and teleconsultations to manage their health Dr Kachroo: "Healthcare extends beyond coverage, and it is also about enabling people to proactively manage their wellbeing. We offer easy and affordable access to health screening and vaccinations to support preventive care and ongoing health maintenance. This approach contributes to a healthier population, reduces long-term healthcare costs and helps people live well for longer."Customers will only need to answer three health questions to apply for PRUHospital Care360 instead of undergoing the full underwriting more information on PRUHospital Care360, please refer to:Hashtag: #Prudential #PRUHospitalCare360 The issuer is solely responsible for the content of this announcement. About Prudential Assurance Company Singapore (Pte) Ltd (Prudential Singapore) Prudential Assurance Company Singapore (Pte) Ltd is one of the top life and health insurance companies in Singapore, serving the financial and protection needs of the country's citizens for 94 years. The company has an AA- Financial Strength Rating from leading credit rating agency Standard & Poor's, with S$57.7 billion funds under management as at 31 December 2024. It delivers a suite of well-rounded product offerings in Protection, Savings and Investment through multiple distribution channels including a network of more than 5,400 financial representatives.
Yahoo
19-05-2025
- Business
- Yahoo
A Look At The Fair Value Of Perseus Mining Limited (ASX:PRU)
Perseus Mining's estimated fair value is AU$3.63 based on 2 Stage Free Cash Flow to Equity Perseus Mining's AU$3.36 share price indicates it is trading at similar levels as its fair value estimate Our fair value estimate is 5.5% lower than Perseus Mining's analyst price target of US$3.84 In this article we are going to estimate the intrinsic value of Perseus Mining Limited (ASX:PRU) by taking the expected future cash flows and discounting them to today's value. We will take advantage of the Discounted Cash Flow (DCF) model for this purpose. Before you think you won't be able to understand it, just read on! It's actually much less complex than you'd imagine. We generally believe that a company's value is the present value of all of the cash it will generate in the future. However, a DCF is just one valuation metric among many, and it is not without flaws. If you still have some burning questions about this type of valuation, take a look at the Simply Wall St analysis model. This technology could replace computers: discover the 20 stocks are working to make quantum computing a reality. We are going to use a two-stage DCF model, which, as the name states, takes into account two stages of growth. The first stage is generally a higher growth period which levels off heading towards the terminal value, captured in the second 'steady growth' period. To start off with, we need to estimate the next ten years of cash flows. Where possible we use analyst estimates, but when these aren't available we extrapolate the previous free cash flow (FCF) from the last estimate or reported value. We assume companies with shrinking free cash flow will slow their rate of shrinkage, and that companies with growing free cash flow will see their growth rate slow, over this period. We do this to reflect that growth tends to slow more in the early years than it does in later years. A DCF is all about the idea that a dollar in the future is less valuable than a dollar today, so we need to discount the sum of these future cash flows to arrive at a present value estimate: 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 Levered FCF ($, Millions) US$302.8m US$209.4m US$314.4m US$329.9m US$139.0m US$132.4m US$129.2m US$128.0m US$128.3m US$129.5m Growth Rate Estimate Source Analyst x3 Analyst x3 Analyst x3 Analyst x1 Analyst x1 Est @ -4.69% Est @ -2.46% Est @ -0.90% Est @ 0.19% Est @ 0.96% Present Value ($, Millions) Discounted @ 6.8% US$284 US$184 US$258 US$254 US$100 US$89.3 US$81.6 US$75.7 US$71.0 US$67.1 ("Est" = FCF growth rate estimated by Simply Wall St)Present Value of 10-year Cash Flow (PVCF) = US$1.5b The second stage is also known as Terminal Value, this is the business's cash flow after the first stage. For a number of reasons a very conservative growth rate is used that cannot exceed that of a country's GDP growth. In this case we have used the 5-year average of the 10-year government bond yield (2.7%) to estimate future growth. In the same way as with the 10-year 'growth' period, we discount future cash flows to today's value, using a cost of equity of 6.8%. Terminal Value (TV)= FCF2034 × (1 + g) ÷ (r – g) = US$129m× (1 + 2.7%) ÷ (6.8%– 2.7%) = US$3.3b Present Value of Terminal Value (PVTV)= TV / (1 + r)10= US$3.3b÷ ( 1 + 6.8%)10= US$1.7b The total value, or equity value, is then the sum of the present value of the future cash flows, which in this case is US$3.2b. The last step is to then divide the equity value by the number of shares outstanding. Compared to the current share price of AU$3.4, the company appears about fair value at a 7.3% discount to where the stock price trades currently. The assumptions in any calculation have a big impact on the valuation, so it is better to view this as a rough estimate, not precise down to the last cent. The calculation above is very dependent on two assumptions. The first is the discount rate and the other is the cash flows. Part of investing is coming up with your own evaluation of a company's future performance, so try the calculation yourself and check your own assumptions. The DCF also does not consider the possible cyclicality of an industry, or a company's future capital requirements, so it does not give a full picture of a company's potential performance. Given that we are looking at Perseus Mining as potential shareholders, the cost of equity is used as the discount rate, rather than the cost of capital (or weighted average cost of capital, WACC) which accounts for debt. In this calculation we've used 6.8%, which is based on a levered beta of 0.936. Beta is a measure of a stock's volatility, compared to the market as a whole. We get our beta from the industry average beta of globally comparable companies, with an imposed limit between 0.8 and 2.0, which is a reasonable range for a stable business. Check out our latest analysis for Perseus Mining Strength Earnings growth over the past year exceeded the industry. Currently debt free. Weakness Earnings growth over the past year is below its 5-year average. Dividend is low compared to the top 25% of dividend payers in the Metals and Mining market. Opportunity Good value based on P/E ratio and estimated fair value. Threat Annual earnings are forecast to decline for the next 3 years. Valuation is only one side of the coin in terms of building your investment thesis, and it is only one of many factors that you need to assess for a company. It's not possible to obtain a foolproof valuation with a DCF model. Rather it should be seen as a guide to "what assumptions need to be true for this stock to be under/overvalued?" For instance, if the terminal value growth rate is adjusted slightly, it can dramatically alter the overall result. For Perseus Mining, we've put together three fundamental elements you should assess: Risks: You should be aware of the 1 warning sign for Perseus Mining we've uncovered before considering an investment in the company. Future Earnings: How does PRU's growth rate compare to its peers and the wider market? Dig deeper into the analyst consensus number for the upcoming years by interacting with our free analyst growth expectation chart. Other High Quality Alternatives: Do you like a good all-rounder? Explore our interactive list of high quality stocks to get an idea of what else is out there you may be missing! PS. The Simply Wall St app conducts a discounted cash flow valuation for every stock on the ASX every day. If you want to find the calculation for other stocks just search here. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
19-05-2025
- Business
- Yahoo
A Look At The Fair Value Of Perseus Mining Limited (ASX:PRU)
Perseus Mining's estimated fair value is AU$3.63 based on 2 Stage Free Cash Flow to Equity Perseus Mining's AU$3.36 share price indicates it is trading at similar levels as its fair value estimate Our fair value estimate is 5.5% lower than Perseus Mining's analyst price target of US$3.84 In this article we are going to estimate the intrinsic value of Perseus Mining Limited (ASX:PRU) by taking the expected future cash flows and discounting them to today's value. We will take advantage of the Discounted Cash Flow (DCF) model for this purpose. Before you think you won't be able to understand it, just read on! It's actually much less complex than you'd imagine. We generally believe that a company's value is the present value of all of the cash it will generate in the future. However, a DCF is just one valuation metric among many, and it is not without flaws. If you still have some burning questions about this type of valuation, take a look at the Simply Wall St analysis model. This technology could replace computers: discover the 20 stocks are working to make quantum computing a reality. We are going to use a two-stage DCF model, which, as the name states, takes into account two stages of growth. The first stage is generally a higher growth period which levels off heading towards the terminal value, captured in the second 'steady growth' period. To start off with, we need to estimate the next ten years of cash flows. Where possible we use analyst estimates, but when these aren't available we extrapolate the previous free cash flow (FCF) from the last estimate or reported value. We assume companies with shrinking free cash flow will slow their rate of shrinkage, and that companies with growing free cash flow will see their growth rate slow, over this period. We do this to reflect that growth tends to slow more in the early years than it does in later years. A DCF is all about the idea that a dollar in the future is less valuable than a dollar today, so we need to discount the sum of these future cash flows to arrive at a present value estimate: 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 Levered FCF ($, Millions) US$302.8m US$209.4m US$314.4m US$329.9m US$139.0m US$132.4m US$129.2m US$128.0m US$128.3m US$129.5m Growth Rate Estimate Source Analyst x3 Analyst x3 Analyst x3 Analyst x1 Analyst x1 Est @ -4.69% Est @ -2.46% Est @ -0.90% Est @ 0.19% Est @ 0.96% Present Value ($, Millions) Discounted @ 6.8% US$284 US$184 US$258 US$254 US$100 US$89.3 US$81.6 US$75.7 US$71.0 US$67.1 ("Est" = FCF growth rate estimated by Simply Wall St)Present Value of 10-year Cash Flow (PVCF) = US$1.5b The second stage is also known as Terminal Value, this is the business's cash flow after the first stage. For a number of reasons a very conservative growth rate is used that cannot exceed that of a country's GDP growth. In this case we have used the 5-year average of the 10-year government bond yield (2.7%) to estimate future growth. In the same way as with the 10-year 'growth' period, we discount future cash flows to today's value, using a cost of equity of 6.8%. Terminal Value (TV)= FCF2034 × (1 + g) ÷ (r – g) = US$129m× (1 + 2.7%) ÷ (6.8%– 2.7%) = US$3.3b Present Value of Terminal Value (PVTV)= TV / (1 + r)10= US$3.3b÷ ( 1 + 6.8%)10= US$1.7b The total value, or equity value, is then the sum of the present value of the future cash flows, which in this case is US$3.2b. The last step is to then divide the equity value by the number of shares outstanding. Compared to the current share price of AU$3.4, the company appears about fair value at a 7.3% discount to where the stock price trades currently. The assumptions in any calculation have a big impact on the valuation, so it is better to view this as a rough estimate, not precise down to the last cent. The calculation above is very dependent on two assumptions. The first is the discount rate and the other is the cash flows. Part of investing is coming up with your own evaluation of a company's future performance, so try the calculation yourself and check your own assumptions. The DCF also does not consider the possible cyclicality of an industry, or a company's future capital requirements, so it does not give a full picture of a company's potential performance. Given that we are looking at Perseus Mining as potential shareholders, the cost of equity is used as the discount rate, rather than the cost of capital (or weighted average cost of capital, WACC) which accounts for debt. In this calculation we've used 6.8%, which is based on a levered beta of 0.936. Beta is a measure of a stock's volatility, compared to the market as a whole. We get our beta from the industry average beta of globally comparable companies, with an imposed limit between 0.8 and 2.0, which is a reasonable range for a stable business. Check out our latest analysis for Perseus Mining Strength Earnings growth over the past year exceeded the industry. Currently debt free. Weakness Earnings growth over the past year is below its 5-year average. Dividend is low compared to the top 25% of dividend payers in the Metals and Mining market. Opportunity Good value based on P/E ratio and estimated fair value. Threat Annual earnings are forecast to decline for the next 3 years. Valuation is only one side of the coin in terms of building your investment thesis, and it is only one of many factors that you need to assess for a company. It's not possible to obtain a foolproof valuation with a DCF model. Rather it should be seen as a guide to "what assumptions need to be true for this stock to be under/overvalued?" For instance, if the terminal value growth rate is adjusted slightly, it can dramatically alter the overall result. For Perseus Mining, we've put together three fundamental elements you should assess: Risks: You should be aware of the 1 warning sign for Perseus Mining we've uncovered before considering an investment in the company. Future Earnings: How does PRU's growth rate compare to its peers and the wider market? Dig deeper into the analyst consensus number for the upcoming years by interacting with our free analyst growth expectation chart. Other High Quality Alternatives: Do you like a good all-rounder? Explore our interactive list of high quality stocks to get an idea of what else is out there you may be missing! PS. The Simply Wall St app conducts a discounted cash flow valuation for every stock on the ASX every day. If you want to find the calculation for other stocks just search here. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Leader Live
17-05-2025
- Politics
- Leader Live
Plans to honour RAF units includes Llangollen-born hero
The UK Government confirmed earlier this month that the initiative to recognise the PRU's unsung heroes had reached this crucial phase. Clwyd East MP, Becky Gittins, has met with the team behind this project, which aims to highlight the PRU's significant contributions, including that of Leading Aircraftman John Oliver Roberts, who was born in Llangollen. The PRU, established on September 24, 1939, played a vital role during the Second World War. They conducted highly dangerous, secretive photographic reconnaissance missions across all theatres of operation, capturing more than 26 million images of enemy operations and installations. The intelligence gathered by the PRU was used by all the armed forces to provide up-to-date intelligence on enemy activity. It was instrumental in planning major operations, including D-Day and the Dambusters Raid, monitoring significant shipping movements, and locating the V1 and V2 rocket launching site at Peenemünde. Due to the secretive nature of their operations, which involved solo missions without arms or armour, the death rate was nearly 50 per cent. Despite having one of the lowest survival rates of the war, with a life expectancy of around two and a half months, there is no national memorial to the PRU. Therefore, since 2021, the Spitfire AA810 Project has campaigned to establish a memorial for the 1,746 PRU pilots and navigators. The PRU was made up predominantly of servicemen from across the United Kingdom, including John Roberts. John Oliver Roberts, born in Llangollen, joined the 682 Photographic Reconnaissance Squadron based in the Mediterranean. He tragically died off-duty on Wednesday, June 16, 1943, when he drowned while bathing in the sea at La Marsa, Tunisia. His body was not recovered until three days after he was reported missing, and he is buried at Enfidaville War Cemetery in Tunisia. He was only 19 years old. Ms Gittins said: "I am pleased to support this fantastic campaign to commemorate those who served in the Photographic Reconnaissance Units. "This includes John Roberts, from Llangollen, who served our country under what must have been exceptionally difficult conditions. "It is so important, particularly during the 80-year anniversary of VE day, that we recognise the vital contribution that the likes of John and others from Clwyd East made to the war effort. "The 26 million images the PRU garnered provided our armed forces with critical intelligence on the activity of enemy operations. "I am also delighted that the memorial will recognise the work of photographic interpreters, a third of whom were women, whose skills and analysis for the PRU produced the war-winning intelligence that it did, ensuring that the pilots' sacrifice was not in vain."
