Discounted Cash Flow
Prudential Plc. ADR
—
Audit / VIE / HFCA: Financial-sector DCF: free cash flow for lenders/insurers includes loan principal and deposits, so FCF ≈ 5-10× net income and is not a valuation proxy; the model shows moderate/unstable predictability and the DCF can be 5-40× market cap (lender pattern).
Sourced live via DEF 14A beneficial_ownership (edgartools proxy) for US filers and 20-F risk_factors (“controls X% of voting power” + VIE/HFCA) for foreign ADRs — cached 12h. A concentrated holder can overrule the DCF’s minority-basis assumptions on dividends, issuance, and delisting.
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $53.2b | $2.6b | $3.0b | 4.9% | $0.75 |
| 2017 | $60.0b (12.8%) | $3.2b (24.4%) | $2.2b (-26.4%) | 5.4% (10.2%) | $0.93 (24.1%) |
| 2018 | $47.6b (-20.7%) | $4.1b (26.0%) | $3.3b (52.1%) | 8.6% (58.9%) | $1.17 (25.6%) |
| 2019 | $59.7b (25.5%) | $1.1b (-74.0%) | — | 1.8% (-79.3%) | $0.30 (-74.1%) |
| 2020 | $14.8b (-75.1%) | $2.9b (170.5%) | $369.1m | 19.3% (988.2%) | $0.82 (169.3%) |
| 2021 | $31.1b (109.6%) | $-2.8b (-196.4%) | $563.8m (52.7%) | -8.9% (-146.0%) | $-0.78 (-195.2%) |
| 2022 | $29.7b (-4.7%) | $1.3b (148.9%) | $851.8m (51.1%) | 4.5% (151.3%) | $0.36 (147.0%) |
| 2023 | $13.2b (-55.6%) | $2.3b (70.4%) | $2.0b (135.4%) | 17.5% (283.9%) | $0.62 (70.1%) |
| 2024 | $14.5b (10.3%) | $3.1b (34.3%) | $166.3m (-91.7%) | 21.3% (21.8%) | $0.84 (35.4%) |
| 2025 | $15.5b (7.0%) | $5.4b (74.1%) | $1.0b (508.9%) | 34.6% (62.7%) | $1.54 (83.4%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
SEC filings report in GBP. Values above are converted to USD for comparison with the US-listed share price.
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Net debt deduction: —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.