Prudential Financial, Inc. — Earnings Quality Grade D
PRU · Financial Services
Significant concerns
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO surged by 69 days (195 → 264)
AR outpaced revenue for 2 consecutive years
Revenue -13.7%, CFFO -26.2%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.75. Profits backed by cash
FCF $6.3B, FCF/NI = 1.75
Accruals ratio = -0.3%. Low accruals
Cash $73.0B covers debt $23.0B
Balance Sheet Health
Goodwill+Intangibles $1.9B = 6% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Prudential Financial, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09