Analyst Consensus ?
ConsensusHold8 ratings
Bullish450.0%
Neutral337.5%
Bearish112.5%
Prudential plc · PUK · FY2025 Q4 · Calendar Q1 2026
Prudential FY25: EPS beats ~46%, new business profit +12%, guides double-digit growth
Management's stated trajectory is continued double-digit growth across all KPIs for 2026, built on a strong bancassurance franchise, especially in Mainland China, an agency transformation via PRUVentures and AI tools, and a disciplined capital return program targeting over $7B to shareholders by 2027. FY2025 delivery met that narrative: new business profit rose 12% and gross OFSG 15%, while EPS came in ~46% above consensus and revenue matched estimates. The market reaction on the day was modestly negative (PUK ~ -1.9% versus a weaker benchmark), but the stock subsequently drifted +6.8%, suggesting investors largely absorbed the report constructively. Sustaining these results hinges on China growth durability, agency productivity gains, and execution of the capital return program against macro and regulatory headwinds in Asia.
Reported Before market openNYSEFinancial Services
$31.48B market cap
90quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$2.08
Consensus $1.42
EPS surprise
+46.5%
Reported versus consensus
Reported revenue
$15.27B
Consensus $15.27B
Revenue surprise
0.0%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
-3.3%
Event window
SPY move
-1.4%
Same window
Abnormal move
-1.9%
Stock minus SPY
Volume
1.4×
Versus trailing sessions
Subsequent drift
+6.8%
Up to 20 sessions
PUKSPY benchmark
Ask FN2 about PUK FY2025 Q4
Transcript, numbers and history already loaded
Why did PUK fall 3.3% after beating EPS estimates in FY2025 Q4?What changed in PUK's guidance and outlook in FY2025 Q4?Give me the bull and bear case for PUK after FY2025 Q4 earnings.
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Transcript intelligence
What changed
Prudential reported FY2025 results that met full-year guidance, delivering double-digit growth across key metrics (new business profit +12%, gross OFSG +15%). EPS of $2.08 beat consensus of $1.42 by roughly 46% while revenue came in essentially in line. Operationally, the company completed the IPO of its Indian asset-management subsidiary (~$1.4B net proceeds earmarked for shareholder returns) and received an S&P upgrade of its financial strength rating to AA. Management reaffirmed its 2026 outlook for continued double-digit growth.
Guidance delta
Maintained. Management reaffirmed 2026 guidance for continued double-digit growth across all KPIs, matching the double-digit delivery reported for FY2025 (new business profit +12%, gross OFSG +15%).
Key takeaways
- FY2025 delivered double-digit growth and met full-year guidance: new business profit up 12%, gross OFSG up 15%
- Bancassurance, led by Mainland China, remains the primary growth engine while the agency channel is being transformed via PRUVentures and technology
- Capital allocation will return over $7B to shareholders by 2027 through dividend growth and buybacks
- IPO of the Indian asset-management subsidiary closed with ~$1.4B of net proceeds earmarked for shareholder returns; S&P upgraded the financial strength rating to AA
- Management is confident 2026 will continue double-digit growth despite macro volatility
Management priorities
- Sustain double-digit growth across all KPIs in 2026
- Complete the $300-$350M capability investment program by end-2026
- Scale the PRUVentures recruitment scheme to additional ASEAN markets and roll out the AI-enabled PruAction platform agency-wide
- Return over $7B to shareholders by 2027, with dividend growth above 10% per year through 2027 and continued share buybacks
- Double preferred-branch count with CITIC from 50 to 100 and deepen private-banking partnerships
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$25.25Current
$39.3Low
$39.3Average
$39.3High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Sep 26, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Goldman Sachs | Buy | Buy | Maintain | Feb 14, 2022 |
| HSBC | Buy | Hold | Upgrade | Mar 23, 2021 |
| Macquarie | Outperform | Outperform | Maintain | Oct 3, 2019 |
| Evercore ISI Group | In Line | In Line | Maintain | Jul 10, 2018 |
| JP Morgan | Neutral | Underweight | Upgrade | Mar 17, 2017 |
| Societe Generale | Sell | Hold | Downgrade | Oct 13, 2016 |
| Jefferies | Hold | Buy | Downgrade | Jul 20, 2015 |
| Charles Stanley | Buy | Accumulate | Maintain | Jun 10, 2015 |
Named analyst price targets
Upside is calculated against the persisted current price $25.25. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Berenberg Bank | Michael Huttner | $39.3 | $27.29 | +55.6% | Sep 3, 2026 |
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Start freeCompany context
Snapshot as of publicationPrudential plc, operating through its various subsidiaries, delivers a diverse array of financial solutions to individuals across Asia and Africa, encompassing life and health coverage, retirement planning, and comprehensive asset management services. Its product portfolio includes extensive health and protection plans, along with various savings instruments such as participating, unit-linked, and conventional policies.…
Historical context
All PUK earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| CM Canadian Imperial Bank of Commerce | FY2026 Q3 · Calendar Q3 2026 | +8.9% | -2.8% | CIBC Q3: Broad growth, resilient credit and expanded AI rollout |
| TD The Toronto-Dominion Bank | FY2026 Q3 · Calendar Q3 2026 | +13.8% | +1.4% | TD emphasizes growth investments alongside disciplined capital management |
| RY Royal Bank of Canada | FY2026 Q3 · Calendar Q3 2026 | +6.2% | -1.3% | RBC reports record Q3 earnings while investing for growth |
| AFRM Affirm Holdings, Inc. | FY2026 Q4 · Calendar Q3 2026 | +1230.3% | +0.3% | Affirm's most profitable quarter shifts focus to product execution |
Latest beats and misses
Who reports nextBeat on EPS
- SNXFY2026 Q3 · September 24, 2026+20.9% EPS-9.9% move
- DRIFY2027 Q1 · September 24, 20260.0% EPS-3.0% move
- CTASFY2027 Q1 · September 23, 2026+3.0% EPS-3.4% move
- PAYXFY2027 Q1 · September 23, 2026+1.5% EPS-8.8% move
- GISFY2027 Q1 · September 23, 2026+4.6% EPS+1.0% move
- AZOFY2026 Q4 · September 22, 2026+3.6% EPS+3.3% move
Get the PUK recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-09-26T00:41:13.834034+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-09-26T00:41:13.831233+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-09-26. For educational purposes only; not investment advice.