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Prudential plc (PUKN) Fair Value & Analysis

Financial Services · MX · Market cap 680B MXN

PP Prudential plc PUKN · MX
Price545.00 MXN
Fair Value499.36 MXN
Upside-8.4%
Quality63/100
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Weak Growth
Highly profitable · 27.6% net margin
Low debt · generates free cash flow
Wide moat 74/100
Evidence: High Range 374.43 MXN – 624.11 MXN Share as image

Fair value as of: Aug 13, 2026

From 6 valuation models · updated yesterday

Fair value updated Aug 13, 2026, revised from 722.72 MXN to 499.36 MXN (−30.9%) since Jul 15, 2026.

A solid business, currently priced close to our fair value.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

862.10 MXN 438.89 MXN Fair Value 499.36 MXN Apr 2021 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range 438.89 MXN – 862.10 MXN · fair‑value band 374.43 MXN – 624.11 MXN · the 545.00 MXN price screens above the 499.36 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Prudential plc (PUKN) currently trades at 545.00 MXN, while our model-based Fair Value estimate is 499.36 MXN, implying the stock looks roughly 8.4% fairly valued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Prudential plc generated revenue of 14.4B MXN at a net margin of 27.6%. Revenue grew 18.8% year over year. It earns a return on equity of 20.6%. Net debt stands at 1.1B MXN. Fundamentals as of Aug 13, 2026

Our scenario range runs from 374.43 MXN (bear case) to 624.11 MXN (bull case); at 545.00 MXN, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 24% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 34% fair-value upside, at -8%, PUKN screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income 22.30 MXN 30.69 MXN 156.48 MXN 76
Gordon GGM 4.58 MXN 10.00 MXN 16.83 MXN 70
P/E Multiple 31.10 MXN 41.46 MXN 51.83 MXN 63
All 6 models by family
Dividend Discount
Gordon GGM 4.58 MXN 10.00 MXN 16.83 MXN 70
DDM Multi-Stage 4.58 MXN 8.19 MXN 10.42 MXN 61
Multiples
P/E Multiple 31.10 MXN 41.46 MXN 51.83 MXN 63
P/B Multiple 16.94 MXN 22.58 MXN 28.23 MXN 55
Asset-Based
NCAV (Graham) 8.06 MXN 10.81 MXN 16.13 MXN 50
Economic Profit
Residual Income 22.30 MXN 30.69 MXN 156.48 MXN 76

Widest divergence: Economic Profit (30.69 MXN) versus Dividend Discount (8.19 MXN). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) 14.4B MXN
Revenue growth (YoY) +18.8%
Net margin 27.6%
Return on equity 20.6%
Free cash flow 2.3B MXN FY2025
P/E ratio 11.9
More key figures
Operating margin 45.5%
EPS (TTM) 45.94 MXN
Dividend yield 0.1%
EPS growth (YoY) +30.8%
Net debt 1.1B MXN FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 63/100

Of which business quality 48 · Market factors (momentum, volatility) 66

Profitability 34
Margins and returns on capital today
Quality Growth 57
Are margins and returns improving?
Cashflow 48
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 76
Disciplined investing over empire-building
Low Volatility 85
Calm price path (market factor)
Momentum 47
Price trend over the last 3–12 months (market factor)
52W Momentum 77
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Prudential plc, through its subsidiaries, provides life and health insurance, and asset management solutions to individuals in Asia and Africa. It offers savings and investments products; and wealth, health, and protection products. The company was founded in 1848 and is headquartered in Central, Hong Kong.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Prudential plc reported revenue of 27.4B MXN in FY2025 versus 26.5B MXN in FY2021, a compound +0.8%/yr. Reported net income was 4.0B MXN in FY2025.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
27.4B MXN
Latest YoY
+69.0%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−13.3%
Avg. growth/yr (12Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−5.3%
Revenue +0.8%/yr
FY21 26.5B MXN
FY22 −8.2B MXN
FY23 19.1B MXN
FY24 16.2B MXN
FY25 27.4B MXN
Net income
FY21 −2.0B MXN
FY22 998M MXN
FY23 1.7B MXN
FY24 2.3B MXN
FY25 4.0B MXN

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Cite: Fair Value Calculator (2026). "Prudential plc Fair Value". https://www.fairvalue-calculator.com/stock/PUKN

Recent news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
China Life Insurance Company 601628 ¥37.33 ¥49.98 +34%
Ping An Insurance (Group) Company 601318 ¥52.60 ¥84.72 +61%
Manulife Financial Corporation 0945 HK$343.40 HK$143.17 -58%
Life Insurance Corporation LICI ₹412.15 ₹392.93 -5%
Samsung Life Insurance Co 032830 302,500 KRW 191,293 KRW -37%
China Pacific Insurance (Group) Co 601601 ¥30.48 ¥57.51 +89%
New China Life Insurance Company 601336 ¥58.83 ¥99.92 +70%
SBI Life Insurance Company SBILIFE ₹1,830 ₹293.11 -84%
Cathay Financial Holding 2882B 59.00 TWD 107.71 TWD +83%
KGI Financial Holding 2883 31.50 TWD 24.33 TWD -23%

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Frequently asked questions

Is Prudential plc (PUKN) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of 499.36 MXN versus a price of 545.00 MXN, about −8% (fairly valued).
What is the fair value of PUKN?
Our model-based fair value for Prudential plc is 499.36 MXN (as of Aug 13, 2026), built from audited fundamentals. The current price is 545.00 MXN.
What is the quality score of PUKN?
Prudential plc has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Prudential plc (PUKN)?
Prudential plc reported trailing-twelve-month revenue of about 14.4B MXN (latest available figure, as of Aug 13, 2026).
What is the net profit margin of PUKN?
The net profit margin of Prudential plc is about 27.6%, meaning it keeps roughly 27.6% of revenue as net income. Based on the latest reported figures.
Does Prudential plc pay a dividend?
Prudential plc currently shows a dividend yield of about 0.05% relative to its recent price (as of Aug 13, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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