Subtext

Prudential Financial, Inc. PRU

SectorFinancials
Transcripts72
Date range2007-08-03 – 2025-05-01
Calls charted72

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-21-10+0+10+212007 Q22009 Q32011 Q42014 Q12016 Q22018 Q32020 Q42023 Q12007 Q2 · Overall: +0.02007 Q3 · Overall: +2.22007 Q4 · Overall: -0.12008 Q1 · Overall: -10.42008 Q2 · Overall: -4.12008 Q3 · Overall: -8.12008 Q4 · Overall: -10.42009 Q1 · Overall: -8.32009 Q2 · Overall: -2.42009 Q3 · Overall: +2.42009 Q4 · Overall: +2.62010 Q1 · Overall: +4.92010 Q2 · Overall: +1.12010 Q3 · Overall: +4.82010 Q4 · Overall: +6.82011 Q1 · Overall: +4.52011 Q2 · Overall: +5.22011 Q3 · Overall: +3.12011 Q4 · Overall: +8.12012 Q1 · Overall: +1.82012 Q2 · Overall: +3.72012 Q3 · Overall: -1.72012 Q4 · Overall: +4.62013 Q1 · Overall: -0.12013 Q2 · Overall: +4.42013 Q3 · Overall: -0.22013 Q4 · Overall: +3.42014 Q1 · Overall: +4.72014 Q2 · Overall: +4.72014 Q3 · Overall: +2.82014 Q4 · Overall: +1.32015 Q1 · Overall: +5.42015 Q2 · Overall: +7.52015 Q3 · Overall: +4.82015 Q4 · Overall: +0.02016 Q1 · Overall: -0.62016 Q2 · Overall: +3.72016 Q3 · Overall: +9.32016 Q4 · Overall: +4.72017 Q1 · Overall: +10.12017 Q2 · Overall: +5.52017 Q3 · Overall: +10.22017 Q4 · Overall: +1.52018 Q1 · Overall: +0.32018 Q2 · Overall: +11.12018 Q3 · Overall: +11.42018 Q4 · Overall: +9.02019 Q1 · Overall: +10.02019 Q2 · Overall: +5.82019 Q3 · Overall: +5.22019 Q4 · Overall: +8.02020 Q1 · Overall: +0.22020 Q2 · Overall: +4.42020 Q3 · Overall: +6.02020 Q4 · Overall: +6.12021 Q1 · Overall: +5.42021 Q2 · Overall: +13.92021 Q3 · Overall: +9.22021 Q4 · Overall: +9.72022 Q1 · Overall: +10.42022 Q2 · Overall: +10.42022 Q3 · Overall: +11.22022 Q4 · Overall: +8.02023 Q1 · Overall: +5.82023 Q2 · Overall: +18.02023 Q3 · Overall: +10.72023 Q4 · Overall: +14.52024 Q1 · Overall: +3.32024 Q2 · Overall: +16.62024 Q3 · Overall: +16.22024 Q4 · Overall: +12.92025 Q1 · Overall: +11.5
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-56-28+0+28+562007 Q22009 Q32011 Q42014 Q12016 Q22018 Q32020 Q42023 Q12007 Q3 · CEO: +10.82008 Q1 · CEO: +2.22008 Q3 · CEO: +1.82009 Q1 · CEO: -1.02009 Q3 · CEO: +17.82009 Q4 · CEO: +14.92010 Q1 · CEO: +32.62010 Q2 · CEO: +4.92010 Q3 · CEO: +12.42010 Q4 · CEO: +15.82011 Q1 · CEO: +13.02011 Q2 · CEO: +12.32011 Q3 · CEO: +20.32011 Q4 · CEO: +19.62012 Q1 · CEO: +4.32012 Q2 · CEO: +10.72012 Q3 · CEO: +10.02012 Q4 · CEO: +19.42013 Q1 · CEO: +16.42013 Q2 · CEO: +8.72013 Q3 · CEO: +11.82013 Q4 · CEO: +11.82014 Q1 · CEO: +26.72014 Q2 · CEO: +38.82014 Q3 · CEO: +24.22014 Q4 · CEO: +34.62015 Q1 · CEO: +48.72015 Q2 · CEO: +30.02015 Q3 · CEO: +42.42015 Q4 · CEO: +8.62016 Q2 · CEO: +17.02016 Q3 · CEO: +36.22016 Q4 · CEO: +6.62017 Q1 · CEO: +32.32017 Q2 · CEO: +30.12017 Q3 · CEO: +39.02017 Q4 · CEO: +34.22018 Q1 · CEO: +21.12018 Q2 · CEO: +21.22018 Q3 · CEO: +24.62018 Q4 · CEO: +20.12019 Q1 · CEO: +22.02019 Q2 · CEO: +7.72019 Q3 · CEO: +22.32019 Q4 · CEO: +11.62020 Q1 · CEO: +16.32020 Q3 · CEO: +7.72020 Q4 · CEO: +10.42021 Q1 · CEO: +16.62021 Q2 · CEO: +16.32021 Q3 · CEO: +18.92021 Q4 · CEO: +15.72022 Q1 · CEO: +21.92022 Q2 · CEO: +24.12022 Q3 · CEO: +15.92022 Q4 · CEO: +24.82023 Q1 · CEO: +20.42023 Q2 · CEO: +30.62023 Q3 · CEO: +24.52023 Q4 · CEO: +21.92024 Q1 · CEO: +34.52024 Q2 · CEO: +20.62024 Q3 · CEO: +32.42024 Q4 · CEO: +24.12025 Q1 · CEO: +22.92007 Q3 · CFO: -16.32007 Q4 · CFO: -18.52008 Q3 · CFO: -20.22009 Q1 · CFO: -11.42009 Q3 · CFO: -1.92009 Q4 · CFO: -2.82010 Q1 · CFO: -2.12010 Q2 · CFO: +2.32010 Q3 · CFO: +3.32010 Q4 · CFO: +6.82011 Q1 · CFO: -1.72011 Q2 · CFO: -4.92011 Q3 · CFO: +1.12011 Q4 · CFO: +1.32012 Q1 · CFO: -3.12012 Q2 · CFO: +2.62012 Q3 · CFO: -7.72012 Q4 · CFO: -1.72013 Q1 · CFO: -1.52013 Q2 · CFO: +4.42013 Q3 · CFO: +4.22013 Q4 · CFO: +3.92014 Q1 · CFO: +2.72014 Q2 · CFO: +4.02014 Q3 · CFO: +3.72014 Q4 · CFO: +1.12015 Q4 · CFO: -3.42016 Q3 · CFO: +0.02016 Q4 · CFO: +0.02017 Q1 · CFO: -15.02017 Q2 · CFO: -6.32017 Q3 · CFO: -1.62017 Q4 · CFO: -10.72018 Q1 · CFO: -14.32018 Q2 · CFO: +5.82018 Q3 · CFO: +2.82018 Q4 · CFO: +21.62019 Q1 · CFO: +17.62019 Q2 · CFO: +10.32019 Q3 · CFO: +9.12019 Q4 · CFO: +17.52020 Q1 · CFO: -3.52020 Q3 · CFO: +9.92020 Q4 · CFO: +12.42021 Q1 · CFO: +8.62021 Q2 · CFO: +13.82021 Q3 · CFO: +13.92021 Q4 · CFO: +14.12022 Q1 · CFO: +6.82022 Q2 · CFO: +4.72022 Q3 · CFO: +14.22022 Q4 · CFO: +8.42023 Q1 · CFO: +10.52023 Q2 · CFO: +16.02023 Q3 · CFO: +13.42023 Q4 · CFO: +11.22024 Q1 · CFO: +2.72024 Q2 · CFO: +6.22024 Q3 · CFO: +11.82024 Q4 · CFO: +13.82025 Q1 · CFO: +12.9
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-33-16+0+16+332007 Q22009 Q32011 Q42014 Q12016 Q22018 Q32020 Q42023 Q12007 Q2 · Prepared remarks: +3.12007 Q3 · Prepared remarks: +4.22007 Q4 · Prepared remarks: +0.12008 Q1 · Prepared remarks: -11.52008 Q2 · Prepared remarks: -8.82008 Q3 · Prepared remarks: -12.32008 Q4 · Prepared remarks: -13.82009 Q1 · Prepared remarks: -10.92009 Q2 · Prepared remarks: +3.32009 Q3 · Prepared remarks: +5.02009 Q4 · Prepared remarks: +2.02010 Q1 · Prepared remarks: +8.92010 Q2 · Prepared remarks: +4.72010 Q3 · Prepared remarks: +12.52010 Q4 · Prepared remarks: +14.22011 Q1 · Prepared remarks: +10.92011 Q2 · Prepared remarks: +11.82011 Q3 · Prepared remarks: +7.72011 Q4 · Prepared remarks: +9.22012 Q1 · Prepared remarks: +7.62012 Q2 · Prepared remarks: +3.92012 Q3 · Prepared remarks: +5.72012 Q4 · Prepared remarks: +10.22013 Q1 · Prepared remarks: +5.82013 Q2 · Prepared remarks: +7.52013 Q3 · Prepared remarks: +6.62013 Q4 · Prepared remarks: +6.22014 Q1 · Prepared remarks: +10.12014 Q2 · Prepared remarks: +11.82014 Q3 · Prepared remarks: +7.32014 Q4 · Prepared remarks: +8.92015 Q1 · Prepared remarks: +17.52015 Q2 · Prepared remarks: +14.12015 Q3 · Prepared remarks: +15.02015 Q4 · Prepared remarks: +6.32016 Q1 · Prepared remarks: +3.82016 Q2 · Prepared remarks: +3.92016 Q3 · Prepared remarks: +19.62016 Q4 · Prepared remarks: +10.92017 Q1 · Prepared remarks: +17.52017 Q2 · Prepared remarks: +16.42017 Q3 · Prepared remarks: +21.72017 Q4 · Prepared remarks: +14.82018 Q1 · Prepared remarks: +9.62018 Q2 · Prepared remarks: +11.52018 Q3 · Prepared remarks: +24.82018 Q4 · Prepared remarks: +21.82019 Q1 · Prepared remarks: +17.92019 Q2 · Prepared remarks: +16.12019 Q3 · Prepared remarks: +13.12019 Q4 · Prepared remarks: +14.62020 Q1 · Prepared remarks: +2.02020 Q2 · Prepared remarks: +5.02020 Q3 · Prepared remarks: +14.72020 Q4 · Prepared remarks: +10.12021 Q1 · Prepared remarks: +17.52021 Q2 · Prepared remarks: +17.52021 Q3 · Prepared remarks: +15.62021 Q4 · Prepared remarks: +19.32022 Q1 · Prepared remarks: +16.62022 Q2 · Prepared remarks: +16.52022 Q3 · Prepared remarks: +15.52022 Q4 · Prepared remarks: +21.42023 Q1 · Prepared remarks: +16.72023 Q2 · Prepared remarks: +27.02023 Q3 · Prepared remarks: +23.82023 Q4 · Prepared remarks: +19.72024 Q1 · Prepared remarks: +16.52024 Q2 · Prepared remarks: +28.42024 Q3 · Prepared remarks: +27.12024 Q4 · Prepared remarks: +25.02025 Q1 · Prepared remarks: +26.62007 Q2 · Q&A responses: -3.22007 Q3 · Q&A responses: +1.72007 Q4 · Q&A responses: -1.02008 Q1 · Q&A responses: +8.42008 Q2 · Q&A responses: +6.92008 Q3 · Q&A responses: -3.82008 Q4 · Q&A responses: -3.92009 Q1 · Q&A responses: -1.82009 Q2 · Q&A responses: -8.92009 Q3 · Q&A responses: +3.82009 Q4 · Q&A responses: +7.52010 Q1 · Q&A responses: +4.92010 Q2 · Q&A responses: +0.52010 Q3 · Q&A responses: +3.02010 Q4 · Q&A responses: +1.62011 Q1 · Q&A responses: +1.12011 Q2 · Q&A responses: +3.72011 Q3 · Q&A responses: -0.32011 Q4 · Q&A responses: -1.42012 Q1 · Q&A responses: -1.32012 Q3 · Q&A responses: -4.92012 Q4 · Q&A responses: -1.62013 Q1 · Q&A responses: -2.52013 Q2 · Q&A responses: +2.92013 Q3 · Q&A responses: -6.32013 Q4 · Q&A responses: +5.02014 Q1 · Q&A responses: +0.02014 Q2 · Q&A responses: +0.32014 Q3 · Q&A responses: -3.62014 Q4 · Q&A responses: -4.42015 Q1 · Q&A responses: -3.92015 Q2 · Q&A responses: +1.12015 Q3 · Q&A responses: -3.62015 Q4 · Q&A responses: -2.92016 Q1 · Q&A responses: -4.32016 Q3 · Q&A responses: +4.02016 Q4 · Q&A responses: +3.22017 Q1 · Q&A responses: +7.72017 Q2 · Q&A responses: -1.72017 Q3 · Q&A responses: +3.22017 Q4 · Q&A responses: -8.32018 Q1 · Q&A responses: -4.72018 Q2 · Q&A responses: +16.02018 Q3 · Q&A responses: +7.92018 Q4 · Q&A responses: +7.62019 Q1 · Q&A responses: +13.62019 Q2 · Q&A responses: +4.12019 Q3 · Q&A responses: +5.02019 Q4 · Q&A responses: +9.32020 Q1 · Q&A responses: -1.12020 Q2 · Q&A responses: +4.62020 Q3 · Q&A responses: +6.42020 Q4 · Q&A responses: +11.02021 Q1 · Q&A responses: +4.82021 Q2 · Q&A responses: +15.62021 Q3 · Q&A responses: +13.52021 Q4 · Q&A responses: +10.02022 Q1 · Q&A responses: +13.62022 Q2 · Q&A responses: +13.62022 Q3 · Q&A responses: +15.82022 Q4 · Q&A responses: +9.82023 Q1 · Q&A responses: +6.62023 Q2 · Q&A responses: +22.52023 Q3 · Q&A responses: +11.82023 Q4 · Q&A responses: +16.32024 Q1 · Q&A responses: +11.42024 Q2 · Q&A responses: +15.02024 Q3 · Q&A responses: +18.42024 Q4 · Q&A responses: +13.62025 Q1 · Q&A responses: +13.3
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$9.03$11.86$14.702007 Q22009 Q32011 Q42014 Q12016 Q22018 Q32020 Q42023 Q12014 Q1: $9.422014 Q2: $9.782014 Q3: $10.062014 Q4: $9.982015 Q1: $9.872015 Q2: $10.292015 Q3: $10.502015 Q4: $10.162016 Q1: $9.962016 Q2: $9.962016 Q3: $9.932016 Q4: $10.362017 Q1: $10.602017 Q2: $10.892017 Q3: $10.922017 Q4: $11.422018 Q1: $12.332018 Q2: $12.542018 Q3: $12.762018 Q4: $12.922019 Q1: $12.982019 Q2: $13.282019 Q3: $12.792019 Q4: $12.452020 Q1: $12.352020 Q2: $10.062020 Q3: $11.042020 Q4: $11.702021 Q1: $11.772021 Q2: $12.952021 Q3: $13.132021 Q4: $12.562022 Q1: $12.242022 Q2: $12.122022 Q3: $11.422022 Q4: $11.702023 Q1: $12.412023 Q2: $12.582023 Q3: $12.872023 Q4: $13.332024 Q1: $13.792024 Q2: $14.072024 Q3: $14.30

Forward P/E

3.207.1211.052007 Q22009 Q32011 Q42014 Q12016 Q22018 Q32020 Q42023 Q12014 Q1: 9.092014 Q2: 9.262014 Q3: 9.032014 Q4: 8.692015 Q1: 8.292015 Q2: 8.662015 Q3: 7.702015 Q4: 8.292016 Q1: 7.292016 Q2: 7.212016 Q3: 8.022016 Q4: 10.042017 Q1: 10.512017 Q2: 9.932017 Q3: 9.372017 Q4: 9.982018 Q1: 8.762018 Q2: 7.922018 Q3: 8.062018 Q4: 6.242019 Q1: 7.332019 Q2: 7.452019 Q3: 6.972019 Q4: 7.652020 Q1: 3.742020 Q2: 6.342020 Q3: 6.282020 Q4: 6.672021 Q1: 7.922021 Q2: 8.122021 Q3: 7.942021 Q4: 8.512022 Q1: 9.312022 Q2: 7.832022 Q3: 8.242022 Q4: 8.722023 Q1: 6.462023 Q2: 6.802023 Q3: 7.512023 Q4: 7.812024 Q1: 8.182024 Q2: 8.222024 Q3: 8.35

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2015 Q1 tone ↑ +4.1 fwd EPS ↓ -0.11 Tone rose while the forward EPS estimate was cut.
  • 2015 Q3 tone ↓ -2.8 fwd EPS ↑ +0.20 Tone cooled even as the forward EPS estimate rose.
  • 2016 Q4 tone ↓ -4.6 fwd EPS ↑ +0.43 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q2 tone ↓ -4.6 fwd EPS ↑ +0.29 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q4 tone ↓ -8.7 fwd EPS ↑ +0.50 Tone cooled even as the forward EPS estimate rose.
  • 2018 Q4 tone ↓ -2.4 fwd EPS ↑ +0.16 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q2 tone ↓ -4.2 fwd EPS ↑ +0.30 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q4 tone ↑ +2.8 fwd EPS ↓ -0.35 Tone rose while the forward EPS estimate was cut.
  • 2020 Q2 tone ↑ +4.1 fwd EPS ↓ -2.29 Tone rose while the forward EPS estimate was cut.
  • 2021 Q3 tone ↓ -4.7 fwd EPS ↑ +0.18 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q4 tone ↓ -3.1 fwd EPS ↑ +0.28 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q1 tone ↓ -2.3 fwd EPS ↑ +0.71 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q3 tone ↓ -7.4 fwd EPS ↑ +0.29 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q1 tone ↓ -11.2 fwd EPS ↑ +0.46 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-05-01+11.5——View →
2024 Q42025-02-05+12.9——View →
2024 Q32024-10-31+16.2$14.308.3View →
2024 Q22024-08-02+16.6$14.078.2View →
2024 Q12024-05-01+3.3$13.798.2View →
2023 Q42024-02-07+14.5$13.337.8View →
2023 Q32023-11-02+10.7$12.877.5View →
2023 Q22023-08-02+18.0$12.586.8View →