Should I Buy PRU? PRU 2026 Analysis

Should You Buy Prudential Financial Inc (PRU) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

109.870

1 Day change

2.02%

52 Week Range

123.410

Analysis Updated At

2026/01/26

Prudential Financial Inc (PRU) is not a strong buy at the moment for a beginner, long-term investor with $50,000-$100,000 to invest. While the company shows some positive developments, such as improved net income and EPS growth, the technical indicators, options sentiment, and recent analyst ratings suggest a neutral to cautious outlook. The stock lacks strong upward momentum, and the recent financial performance does not provide a compelling reason to act immediately.

Technical Analysis

The MACD is negatively expanding (-1.302), indicating bearish momentum. RSI is at 21.634, which is neutral but leaning towards oversold. Moving averages are converging, showing no clear trend. The stock is trading near its support level (S1: 108.263), with resistance at 113.166, suggesting limited immediate upside potential.

Options Data

Bearish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

The high put-call ratios indicate bearish sentiment among options traders, with more puts being traded relative to calls.

Technical Summary

Sell

Buy

Positive Catalysts

Integration of AI technology into Prudential Advisors to enhance lead quality and business efficiency.
Improved net income (+219.64% YoY) and EPS (+223.39% YoY) in Q3
Analysts have raised price targets recently, with some maintaining 'Overweight' or 'Buy' ratings.

Neutral/Negative Catalysts

Revenue dropped by -9.04% YoY in Q3 2025, indicating potential challenges in top-line growth.
Technical indicators show bearish momentum with no clear reversal signals.
Options sentiment is bearish, with high put-call ratios and low implied volatility percentile (22).

Financial Performance

In Q3 2025, Prudential's revenue declined by -9.04% YoY to $17.57 billion. However, net income increased significantly by +219.64% YoY to $1.416 billion, and EPS rose by +223.39% YoY to 4.01. Gross margin remained unchanged.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent analyst ratings are mixed but lean positive. Morgan Stanley, JPMorgan, and Deutsche Bank have 'Overweight' or 'Buy' ratings with raised price targets. However, Barclays and UBS maintain 'Neutral' or 'Equal Weight' ratings, reflecting cautious optimism. The average price target suggests moderate upside potential.

8 Analyst Rating

Wall Street analysts forecast PRU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PRU is 120 USD with a low forecast of 113 USD and a high forecast of 125 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

8 Hold

0 Sell

Hold

Current: 107.690

Low

113

Averages

120

High

125

Current: 107.690

Low

113

Averages

120

High

125

TD Cowen

Andrew Kligerman

Hold

maintain

$111 -> $113

AI Analysis

2026-01-28

New

Reason

TD Cowen

Andrew Kligerman

Price Target

$111 -> $113

AI Analysis

2026-01-28

New

maintain

Hold

Reason

TD Cowen analyst Andrew Kligerman raised the firm's price target on Prudential to $113 from $111 and keeps a Hold rating on the shares. The firm adjusted targets in the life insurance group as part of a Q4 preview. TD sees a "slight headwind" from lower alternative returns heading into the prints. It retains a balanced sector view.

Morgan Stanley

NULL -> Overweight

maintain

2026-01-09

Reason

Morgan Stanley

Price Target

2026-01-09

maintain

NULL -> Overweight

Reason

Morgan Stanley raised the firm's price target on Prudential plc to 1,270 GBp from 1,150 GBp and keeps an Overweight rating on the shares.

Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for PRU

Unlock Now

PRU Should I Buy

PRU Should I Buy

Should You Buy Prudential Financial Inc (PRU) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

People Also Watch