Discontinued — last reported Q4 '25
Products & Services · Weighted-average crediting rate
Individual Variable — Weighted-average crediting rate
Prudential Financial Individual Variable — Weighted-average crediting rate increased by 0.5% to 1.9% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 5.6%, from 1.8% to 1.9%. Over 3 years (FY 2022 to FY 2025), Individual Variable — Weighted-average crediting rate shows an upward trend with a 25.9% CAGR.
Analysis
StatementSegment
CategoryProfitability
SignalContext dependent
VolatilityStable
First reportedQ4 2021
Last reportedQ4 2025Feb 12, 2026
Rolls up toPolicyholder account balances
How to read this metric
Higher rates may attract more deposits but compress margins, while lower rates may improve profitability but risk policyholder attrition.
Detailed definition
This is the average interest rate applied to the fixed-income components of variable insurance products. It reflects the...
Peer comparison
Standard benchmark for annuity and universal life products; peers disclose this to show competitive positioning.
Metric ID:
pru_segment_individual_variable_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 | 2.2% | 0.4% | 0.7% | 1.3% | 1.3% | 1.9% | 1.6% | 1.5% | 1.5% | 1.7% | 1.7% | 1.7% | 1.8% | 1.8% | 1.9% | 1.9% | 1.9% |
| QoQ Change | — | -82.6% | +86.8% | +85.9% | +1.5% | +43.3% | -19.3% | -4.5% | +0.0% | +15.5% | +0.0% | +1.2% | +2.3% | +3.4% | +4.9% | -3.1% | +0.5% |
| YoY Change | — | — | — | — | -38.8% | +405.3% | +118.3% | +12.1% | +10.4% | -10.9% | +10.3% | +16.9% | +19.6% | +7.0% | +12.3% | +7.5% | +5.6% |
Range0.4% – 2.2%
CAGR-3.9%
Avg YoY Growth+44.3%
Median YoY Growth+10.4%
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Frequently Asked Questions
- What is Prudential Financial's individual variable — weighted-average crediting rate?
- Prudential Financial (PRU) reported individual variable — weighted-average crediting rate of 1.9% in Q4 2025.
- How has Prudential Financial's individual variable — weighted-average crediting rate changed year-over-year?
- Prudential Financial's individual variable — weighted-average crediting rate increased by 5.6% year-over-year, from 1.8% to 1.9%.
- What is the long-term trend for Prudential Financial's individual variable — weighted-average crediting rate?
- Over 3 years (2022 to 2025), Prudential Financial's individual variable — weighted-average crediting rate has grown at a 25.9% compound annual growth rate (CAGR), from 3.8% to 7.5%.
- What does individual variable — weighted-average crediting rate mean?
- The average interest rate credited to policyholder accounts during the period.