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Edge14 Nov 2025
Ball: The King of Cans
From a 19th-century glass-jar legacy to a global plant network, Ball is now a pure-play aluminum can partner to the world's biggest beverage brands.
Prudential Financial (PRU) investor relations material
Prudential Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Pre-tax adjusted operating income for Q3 2025 reached $1.947 billion ($4.26 per share), up 28% year-over-year, with net income attributable to shareholders at $1.43 billion ($4.01 per share), reflecting record-high EPS and growth across all business segments.
Year-to-date adjusted operating ROE exceeded 15%, with adjusted book value per share at $99.25 as of September 30, 2025.
Strategic actions included the sale of PGIM Taiwan, leadership succession in Japan, and a focus on evolving the business model and operational discipline.
Business highlights included strong asset management flows, major pension and longevity risk transfer deals, and robust international sales, especially in Japan and Brazil.
Capital returned to shareholders totaled $731 million in Q3, including $250 million in share repurchases and $481 million in dividends.
Financial highlights
Adjusted operating income before taxes was $1.947 billion in Q3 2025, up from $1.560 billion year-over-year, with adjusted operating EPS at $4.26 and GAAP net income per share at $4.01.
Net investment income rose to $5.53 billion in Q3 2025, and assets under management increased to $1.612 trillion.
Group insurance sales reached $80 million in Q3, with year-to-date sales up 14% to $555 million.
Individual life sales grew 20% year-over-year to $253 million, led by strong FlexGuard Life product performance.
International sales declined 6% year-over-year due to currency effects but are up 4% year-to-date, with notable growth in Japan and Brazil.
Outlook and guidance
Management expects continued strong performance in pension risk transfer and longevity reinsurance markets, with robust pipelines in the U.S., UK, and Netherlands.
PGIM margin expansion targeted at 25%-30% by 2026, with $100 million in annual run-rate savings expected and reinvestment in sales and distribution.
EPS growth target remains 5%-8% over three years, with headwinds from VA runoff and Japan surrenders expected to moderate beyond 2025.
Corporate & Other expects a full-year 2025 loss of $1.5 billion.
Regulatory capital ratios and liquidity remain above targets, supporting ongoing growth and risk management objectives.
PGIM's core fee growth drivers?
Legacy VA run-off impact on US fees?
Why did parent liquid assets decline?
PGIM margin expansion path to 30%?
Clarify Japan ESR target vs. actual holdings
How to offset legacy VA runoff impact?
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Next Prudential Financial earnings date
Q4 20255 Feb, 2026
Next Prudential Financial earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
Prudential Financial, Inc., also known as Prudential or PRU, is one of the largest global financial services organizations. The company's businesses focus on insurance and asset management, with significant additional operations in investment management, securities brokerage, and real estate brokerage. They provide a variety of products, including individual and group annuities, life insurance policies, mutual funds and pension-related investments. Prudential Financial, Inc. was founded in 1875 and is headquartered in Newark, New Jersey.
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