Stock fact sheet · data as of
Prudential plc (PUK): fair value, margin of safety and Wheel Score
Financial Services · Insurance - Life · Hong Kong SAR China · ADR · High Growth
Is PUK undervalued?
At 23.81 (close of 16 Oct 2026), PUK trades 55% below the GLS average fair value of 52.94. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Prudential plc the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: DDM gives 0.0809 while GLS Growth gives 135.88. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files PUK under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for PUK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 72.50 | +205% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 16.08 | -32% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 102.16 | +329% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 39.89 | +68% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 135.88 | +471% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 36.25 | +52% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 41.29 | +73% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 0.0809 | -100% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 32.29 | +36% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -144.59 | -707% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 39.30 | +65% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - PUK passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.3 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are high - ROIC 15.2%, ROE 19.8%, ROA 1.9% - with debt at 0.30 times equity and a free-cash-flow yield of 4.9%.
The dividend yield is 0.02% with a payout ratio of 15% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 15.2% |
|---|---|---|---|
| GLS Moat | 4.3 / 10 | ROE | 19.8% |
| Debt / equity | 0.30 | ROA | 1.9% |
| Free-cash-flow yield | 4.9% | Payout ratio | 15% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 83: Prime
PUK scores 83 out of 100 on the Wheel Score, in the Prime band (80 and above), which fewer than one stock in twenty reaches on any night. The score blends five things a wheel trader checks before selling a cash-secured put: the margin of safety (Value, 25/25), Piotroski health (13/20), the GLS moat (6/15), the option premium on offer (20/20) and how easily the stock trades (19/20).
Implied volatility is 43% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 121 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 1.2M shares a day on a market cap of $29.3B, with a beta of 0.90; the Stability part of the Wheel Score gives that 19 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 55% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 6 / 15 | moat 4.3/10 | |
| Premium | 20 / 20 | implied volatility 43% | |
| Stability | 19 / 20 | 1.2M shares/day, $29.3B cap, beta 0.90 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for PUK in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Life
The 12 companies below are the closest to Prudential plc by market cap within the Insurance - Life industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PRU Prudential Financial, Inc. | 113.49 | 395.40 | +71% | 88Prime | $39.2B |
| UNM Unum Group | 91.46 | 83.14 | -10% | 72Good | $14.5B |
| UNMA Unum Group 6.250% JR NT58 | 20.46 | 56.18 | +64% | 39No options | $14.5B |
| AFL Aflac Incorporated | 118.05 | 102.40 | -15% | 61Fair | $59.2B |
| MET MetLife, Inc. | 100.27 | 162.98 | +38% | 84Prime | $63.7B |
| GL Globe Life Inc. | 167.59 | 263.49 | +36% | 79Good | $12.9B |
| MFC Manulife Financial Corporation | 43.86 | 120.96 | +64% | 84Prime | $72.8B |
| JXN Jackson Financial Inc. | 131.56 | 304.00 | +57% | 88Prime | $8.9B |
| VOYA Voya Financial, Inc. | 95.12 | 154.12 | +38% | 79Good | $8.6B |
| PRI Primerica, Inc. | 278.35 | 434.23 | +36% | 83Prime | $8.6B |
| LNC Lincoln National Corporation | 40.01 | 150.63 | +73% | 80Prime | $7.7B |
| PRH Prudential Financial, Inc. 5.95 | 20.24 | 169.97 | +88% | 39No options | $7.0B |
⚖ Compare PUK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PUK
Is PUK undervalued right now?
By the GLS models, yes: at 23.81 the stock is 55% below the average fair value of 52.94 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of PUK and what does it mean?
PUK scores 83 out of 100 (Prime). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for PUK?
52.94 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Prudential plc report earnings next?
No upcoming earnings date is recorded for PUK in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does PUK have listed options, and how liquid are they?
Yes. The nightly snapshot found 78 listed contracts with 121 open interest across all expiries and implied volatility of 43% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.