What is Prudential Financial's individual variable — amortization expense?

Prudential Financial (PRU) reported individual variable — amortization expense of -$814.00M in Q4 2025.

How has Prudential Financial's individual variable — amortization expense changed year-over-year?

Prudential Financial's individual variable — amortization expense decreased by 21.1% year-over-year, from -$672.00M to -$814.00M.

What is the long-term trend for Prudential Financial's individual variable — amortization expense?

Over 4 years (2021 to 2025), Prudential Financial's individual variable — amortization expense has grown at a 2.5% compound annual growth rate (CAGR), from -$422.00M to -$465.00M.

What does individual variable — amortization expense mean?

The periodic cost recognized for spreading out the initial expenses of acquiring variable insurance contracts.

Discontinued — last reported Q4 '25

Products & Services · Amortization expense

Individual Variable — Amortization expense

Prudential Financial Individual Variable — Amortization expense decreased by 820.4% to -$814.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 21.1%, from -$672.00M to -$814.00M. Over 4 years (FY 2021 to FY 2025), Individual Variable — Amortization expense shows a downward trend with a 2.5% CAGR. This is a positive signal — lower values indicate better performance for this metric.

Analysis

StatementSegment

CategoryProfitability

SignalLower is better

VolatilityModerate

First reportedQ1 2021

Last reportedQ4 2025Feb 12, 2026

Rolls up toDeferred Policy Acquisition Costs, Amortization Expense

How to read this metric

Changes in this expense often reflect shifts in expected profitability or the duration of the underlying policy portfolio.

Detailed definition

This metric captures the periodic expense recognized for the amortization of deferred acquisition costs (DAC) or other i...

Peer comparison

Standard 'DAC Amortization' expense reported by all life insurance companies under GAAP.

Metric ID: pru_segment_individual_variable_amortization_expense

Historical Data

19 periods

	Q2 '21	Q3 '21	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	-$105.50M	-$105.50M	-$105.50M	$108.00M	$97.00M	$100.00M	-$706.00M	$98.00M	$88.00M	$89.00M	-$641.00M	$94.00M	$96.00M	$96.00M	-$672.00M	$124.00M	$112.00M	$113.00M	-$814.00M
QoQ Change	—	+0.0%	+0.0%	+202.4%	-10.2%	+3.1%	-806.0%	+113.9%	-10.2%	+1.1%	-820.2%	+114.7%	+2.1%	+0.0%	-800.0%	+118.5%	-9.7%	+0.9%	-820.4%
YoY Change	—	—	—	—	+191.9%	+194.8%	-569.2%	-9.3%	-9.3%	-11.0%	+9.2%	-4.1%	+9.1%	+7.9%	-4.8%	+31.9%	+16.7%	+17.7%	-21.1%

Range-$814.00M – $124.00M

CAGR+57.5%

Avg YoY Growth-10.0%

Median YoY Growth+7.9%

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Frequently Asked Questions

What is Prudential Financial's individual variable — amortization expense?: Prudential Financial (PRU) reported individual variable — amortization expense of -$814.00M in Q4 2025.
How has Prudential Financial's individual variable — amortization expense changed year-over-year?: Prudential Financial's individual variable — amortization expense decreased by 21.1% year-over-year, from -$672.00M to -$814.00M.
What is the long-term trend for Prudential Financial's individual variable — amortization expense?: Over 4 years (2021 to 2025), Prudential Financial's individual variable — amortization expense has grown at a 2.5% compound annual growth rate (CAGR), from -$422.00M to -$465.00M.
What does individual variable — amortization expense mean?: The periodic cost recognized for spreading out the initial expenses of acquiring variable insurance contracts.