Positioning no disclosures inside 60 days, left as found
Options put/call open interest 1.22, read 2026-11-02
Ethical does not pass the values gate
Price118.30 USD
Fair value132.00
Ethical score10.0/100
RatingAVOID
Our investment reviews on this name
2026-11-01Read Accumulation116.45+1.6% to today ✓Markdown gives way to Accumulation first Accumulation read since July
2026-10-11Read Markdown116.09+1.9% to today Distribution gives way to Markdown first Markdown read since September
2026-10-02Read Distribution116.09+1.9% to today Markdown gives way to Distribution
2026-09-10Read Markdown117.59+0.6% to today Markup gives way to Markdown with volume flow in agreement
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Prudential Financial holds its Accumulation at $118.30. Consolidating, no directional conviction, held for 56 days.
As held on the ledger · 2026-11-02
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 56 days
Price at the screen
$118.30
Valuation
10.55 trailing · 8.38 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.84
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Prudential Financial does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-02. It updates when the underlying figures move, and past reads are kept below.
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Today PRU does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads AVOID: it trades at roughly a 13% discount to our $132.00 fair value, narrow competitive moat, 14.10% revenue growth.
Fair value range in USD, drawn from the 2026-11-02 screen. The gold marker is the market price at the same screen. A 13.4% margin of safety to the base estimate.
Where our models see it going: fair-value estimate $132.00, with a range of $132.00 to $232.90, dated to the 2026-11-02 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Premiums flow but ethics block the door
Millions hand over monthly premiums expecting security when life turns cruel. Prudential supplies those policies across America and Japan yet trips the ethical screen on business activity. That single failure outweighs the 8.2 times forward earnings and 15 percent revenue growth.
We pass for one clear reason. The ethical breach rules the name out regardless of narrow moat or 11 percent return on equity. A modest price above our fair value estimate only reinforces the decision.
The low margin of 5 percent already signals thin buffers if claims rise or markets wobble. Currency moves in Japan add further swings that a hold rating from analysts cannot offset. Analysis, not advice.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
PRU trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-11-03Accumulation$116.45+0.0%Entry 17
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $108. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-02Accumulation$116.45+0.0%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $108. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $108. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-31Markdown$116.45+1.3%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 1.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $108. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-30Markdown$114.99+0.0%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $108. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-29Markdown$114.99-1.2%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $108. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-28Markdown$116.35+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $108. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Markdown$116.35+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $110. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Markdown$116.35+0.0%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading oversold. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $110.
2026-10-18Markdown$116.35+0.2%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 0.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are up 5%. Our forward projection puts the odds of a 10% gain over the next month near 12%. The street (15 analysts) rates it hold, with a mean price target of $111.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
