Discontinued — last reported Q4 '25
Individual Variable — Deferred Sales Inducement Cost, Amortization Expense
Prudential Financial Individual Variable — Deferred Sales Inducement Cost, Amortization Expense decreased by 755.6% to -$59.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 4.8%, from -$62.00M to -$59.00M. Over 3 years (FY 2021 to FY 2025), Individual Variable — Deferred Sales Inducement Cost, Amortization Expense shows an upward trend with a -22.5% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
Increasing amortization may reflect higher past acquisition activity, while decreasing levels suggest lower historical sales inducements.
Detailed definition
This metric tracks the systematic recognition of costs associated with sales inducements, such as bonus interest or prem...
Peer comparison
Standard accounting practice for insurers under GAAP/IFRS; peers report this as part of DAC or sales inducement amortization.
pru_segment_individual_variable_deferred_sales_inducement_cost_amortization_expenseHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | 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 | -$18.25M | -$18.25M | -$18.25M | -$83.00M | $10.00M | $10.00M | $8.00M | -$66.00M | $9.00M | $8.00M | $10.00M | -$62.00M | $8.00M | $8.00M | $9.00M | -$59.00M |
| QoQ Change | — | +0.0% | +0.0% | -354.8% | +112.0% | +0.0% | -20.0% | -925.0% | +113.6% | -11.1% | +25.0% | -720.0% | +112.9% | +0.0% | +12.5% | -755.6% |
| YoY Change | — | — | — | -354.8% | — | — | — | +20.5% | -10.0% | -20.0% | +25.0% | +6.1% | -11.1% | +0.0% | -10.0% | +4.8% |
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Frequently Asked Questions
- What is Prudential Financial's individual variable — deferred sales inducement cost, amortization expense?
- Prudential Financial (PRU) reported individual variable — deferred sales inducement cost, amortization expense of -$59.00M in Q4 2025.
- How has Prudential Financial's individual variable — deferred sales inducement cost, amortization expense changed year-over-year?
- Prudential Financial's individual variable — deferred sales inducement cost, amortization expense increased by 4.8% year-over-year, from -$62.00M to -$59.00M.
- What is the long-term trend for Prudential Financial's individual variable — deferred sales inducement cost, amortization expense?
- Over 3 years (2021 to 2025), Prudential Financial's individual variable — deferred sales inducement cost, amortization expense has grown at a -22.5% compound annual growth rate (CAGR), from -$73.00M to -$34.00M.
- What does individual variable — deferred sales inducement cost, amortization expense mean?
- The periodic expense recognized for costs incurred to attract new policyholders.