Prudential Financial (PRU) Stock Analysis & Winston Score

Prudential Financial is one of the largest life insurance and financial services companies in the United States. It sells life insurance, annuities, and retirement savings products to individuals and workplace groups. It also manages investments for large institutions through its PGIM asset management division, which oversees over $1 trillion in assets. Prudential makes money by collecting insurance premiums, earning fees on assets it manages, and selling annuity contracts that pay customers income in retirement. The company operates in the U.S., Japan, and several other international markets, giving it broad geographic reach. Its large scale and long-standing customer relationships create some switching costs, but rising interest rates, market volatility, and the complexity of its insurance liabilities are ongoing risks that can pressure profitability. The company has been actively selling off older, capital-heavy insurance blocks to focus on less risky, fee-based businesses, which is its main strategic shift to watch.