Discontinued — last reported Q4 '25
Institutional — Undiscounted expected future benefits and expenses
Prudential Financial Institutional — Undiscounted expected future benefits and expenses decreased by 0.5% to $301.90B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 10.2%, from $274.07B to $301.90B. Over 3 years (FY 2022 to FY 2025), Institutional — Undiscounted expected future benefits and expenses shows an upward trend with a 15.6% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
A rising trend relative to premiums may indicate margin compression and the need for pricing adjustments or expense management.
Detailed definition
This metric represents the total nominal value of expected future benefit payments and associated operating expenses for...
Peer comparison
Comparable to 'Total Expected Future Claims and Expenses' at other insurance companies.
pru_segment_institutional_undiscounted_expected_future_benefits_and_expensesHistorical Data
| Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $193.87B | $189.80B | $182.24B | $189.98B | $209.77B | $215.87B | $220.31B | $217.93B | $242.62B | $253.98B | $255.56B | $274.74B | $274.07B | $284.71B | $302.37B | $303.39B | $301.90B |
| QoQ Change | — | -2.1% | -4.0% | +4.2% | +10.4% | +2.9% | +2.1% | -1.1% | +11.3% | +4.7% | +0.6% | +7.5% | -0.2% | +3.9% | +6.2% | +0.3% | -0.5% |
| YoY Change | — | — | — | — | +8.2% | +13.7% | +20.9% | +14.7% | +15.7% | +17.7% | +16.0% | +26.1% | +13.0% | +12.1% | +18.3% | +10.4% | +10.2% |
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Frequently Asked Questions
- What is Prudential Financial's institutional — undiscounted expected future benefits and expenses?
- Prudential Financial (PRU) reported institutional — undiscounted expected future benefits and expenses of $301.90B in Q4 2025.
- How has Prudential Financial's institutional — undiscounted expected future benefits and expenses changed year-over-year?
- Prudential Financial's institutional — undiscounted expected future benefits and expenses increased by 10.2% year-over-year, from $274.07B to $301.90B.
- What is the long-term trend for Prudential Financial's institutional — undiscounted expected future benefits and expenses?
- Over 3 years (2022 to 2025), Prudential Financial's institutional — undiscounted expected future benefits and expenses has grown at a 15.6% compound annual growth rate (CAGR), from $771.78B to $1.19T.
- What does institutional — undiscounted expected future benefits and expenses mean?
- The total nominal amount of future benefits and expenses the company expects to pay for institutional policies.