Prudential Financial Inc (NYSE: PRU) is a financial services company that provides insurance, retirement, and investment management products to individual and institutional customers. It makes money through premiums on insurance and annuity contracts, fees on assets under management, and net investment income earned on its general account portfolio. Prudential filed its 10-K for fiscal year ended December 31, 2025 on February 12, 2026. The company is organized into reportable segments spanning U.S. and international insurance and retirement businesses. Key risks disclosed in the filing include losses on investments due to credit deterioration, mortality and morbidity experience deviating from pricing assumptions, and policyholder behavior differing from expectations, all of which directly affect profitability across its insurance and annuity product lines.

Revenue model

Premium income from life, annuity, and other insurance products; fee income from investment management and retirement services; and net investment income from the general account portfolio.

Products and services

Life insurance, annuities, retirement products, and investment management services. Specific product names and segment revenue breakdowns are not detailed in the available filing excerpts.

Customers and end markets

Individual policyholders and institutional clients across insurance, retirement, and investment management end markets. Specific customer counts or concentration data are not detailed in the available filing excerpts.

Value-chain role

Direct underwriter and asset manager; assumes insurance risk, manages policyholder liabilities, and invests general account assets.

Geographic exposure

U.S. and international markets. Specific country or regional revenue splits are not detailed in the available filing excerpts.

Source: SEC 10-K, filed 2026-02-12

Industry: Life Insurance Peers: Aflac Inc /entities/ang-pd Brighthouse Financial Inc Globe Life Inc Lincoln National Corp MetLife Inc Principal Financial Group Inc Unum Group Primerica Inc