Discontinued — last reported Q4 '25
Products & Services · Weighted-average crediting rate
Individual Fixed — Weighted-average crediting rate
Prudential Financial Individual Fixed — Weighted-average crediting rate decreased by 5.7% to 2.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 1.1%, from 2.6% to 2.7%. Over 3 years (FY 2022 to FY 2025), Individual Fixed — Weighted-average crediting rate shows an upward trend with a 17.8% CAGR.
Analysis
StatementSegment
CategoryProfitability
SignalContext dependent
VolatilityModerate
First reportedQ4 2021
Last reportedQ4 2025
Rolls up toPolicyholder account balances
How to read this metric
A higher rate increases competitiveness for new sales but compresses profit margins; a lower rate improves margins but may increase surrender risk.
Detailed definition
This metric measures the average interest rate credited to policyholder account balances within the fixed insurance segm...
Peer comparison
Widely used by life insurers to disclose the cost of fixed-annuity liabilities relative to market interest rates.
Metric ID:
pru_segment_individual_fixed_weighted_average_crediting_rateHistorical Data
17 periods
| 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 | 0.3% | 0.4% | 2.4% | 1.9% | 1.9% | 1.6% | 2.3% | 2.3% | 2.2% | 2.5% | 2.5% | 2.6% | 2.6% | 2.5% | 2.8% | 2.8% | 2.7% |
| QoQ Change | — | +26.5% | +460.5% | -23.2% | +1.6% | -13.3% | +42.3% | +0.4% | -5.2% | +14.9% | -2.0% | +3.2% | +2.7% | -6.4% | +12.6% | +1.8% | -5.7% |
| YoY Change | — | — | — | — | +452.9% | +279.1% | -3.7% | +25.9% | +17.6% | +55.8% | +7.3% | +10.3% | +19.5% | -2.8% | +11.6% | +10.1% | +1.1% |
Range0.3% – 2.8%
CAGR+67.4%
Avg YoY Growth+68.1%
Median YoY Growth+11.6%
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Frequently Asked Questions
- What is Prudential Financial's individual fixed — weighted-average crediting rate?
- Prudential Financial (PRU) reported individual fixed — weighted-average crediting rate of 2.7% in Q4 2025.
- How has Prudential Financial's individual fixed — weighted-average crediting rate changed year-over-year?
- Prudential Financial's individual fixed — weighted-average crediting rate increased by 1.1% year-over-year, from 2.6% to 2.7%.
- What is the long-term trend for Prudential Financial's individual fixed — weighted-average crediting rate?
- Over 3 years (2022 to 2025), Prudential Financial's individual fixed — weighted-average crediting rate has grown at a 17.8% compound annual growth rate (CAGR), from 6.6% to 10.8%.
- What does individual fixed — weighted-average crediting rate mean?
- The average interest rate paid to policyholders on their fixed insurance and annuity account balances.