How does Prudential Financial (PRU) make money?

Prudential Financial (PRU) primarily makes money through Retirement, which accounts for 56.3% of total revenue. For TTM through Q4 2025, Prudential Financial generated $60.97B in total revenue with a net profit margin of 5.9%.

What is Prudential Financial (PRU) gross profit margin?

Prudential Financial (PRU) reported a gross profit margin of 31.1% for TTM through Q4 2025, equivalent to $18.94B in gross profit. This means Prudential Financial retains 31.1% of each revenue unit after direct costs of production.

What is Prudential Financial (PRU) operating profit margin?

Prudential Financial (PRU) reported an operating profit margin of 7.6% for TTM through Q4 2025, equivalent to $4.65B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.

What is Prudential Financial (PRU) net profit margin?

Prudential Financial (PRU) reported a net profit margin of 5.9% for TTM through Q4 2025, equivalent to $3.58B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.

What is Prudential Financial (PRU) free cash flow?

Prudential Financial (PRU) generated $6.27B in free cash flow for TTM through Q4 2025 (10.3% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.

What is Prudential Financial (PRU) effective tax rate?

Prudential Financial (PRU) had an effective tax rate of 22% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.

How Prudential Financial (PRU) Makes Money: A Visual Guide

Prudential Financial (PRU) generated $60.97B in revenue, earning $3.58B in net profit (5.9% margin). Its largest revenue source is Retirement (56.3% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.

Prudential Financial (PRU) Income Statement Flow — TTM through Q4 2025

Calculated from the four most recent reported quarters, ending December 31, 2025 (reported February 12, 2026).

Frequently asked questions

How does Prudential Financial (PRU) make money?: Prudential Financial (PRU) primarily makes money through Retirement, which accounts for 56.3% of total revenue. For TTM through Q4 2025, Prudential Financial generated $60.97B in total revenue with a net profit margin of 5.9%.
What is Prudential Financial (PRU) gross profit margin?: Prudential Financial (PRU) reported a gross profit margin of 31.1% for TTM through Q4 2025, equivalent to $18.94B in gross profit. This means Prudential Financial retains 31.1% of each revenue unit after direct costs of production.
What is Prudential Financial (PRU) operating profit margin?: Prudential Financial (PRU) reported an operating profit margin of 7.6% for TTM through Q4 2025, equivalent to $4.65B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Prudential Financial (PRU) net profit margin?: Prudential Financial (PRU) reported a net profit margin of 5.9% for TTM through Q4 2025, equivalent to $3.58B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
What is Prudential Financial (PRU) free cash flow?: Prudential Financial (PRU) generated $6.27B in free cash flow for TTM through Q4 2025 (10.3% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Prudential Financial (PRU) effective tax rate?: Prudential Financial (PRU) had an effective tax rate of 22% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.

Data & methodology

What is a Sankey diagram?: A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?: We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
When was this data last updated?: Based on company filings through TTM through Q4 2025.