Discontinued — last reported Q4 '25
Products & Services · Weighted-average crediting rate
Institutional — Weighted-average crediting rate
Prudential Financial Institutional — Weighted-average crediting rate increased by 2.0% to 4.2% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 1.2%, from 4.1% to 4.2%. Over 3 years (FY 2022 to FY 2025), Institutional — Weighted-average crediting rate shows an upward trend with a 8.1% CAGR.
Analysis
StatementSegment
CategoryProfitability
SignalContext dependent
VolatilityModerate
First reportedQ4 2021
Last reportedQ4 2025
Rolls up toPolicyholder account balances
How to read this metric
Higher rates may attract more capital but compress margins; lower rates may improve margins but risk client attrition in competitive environments.
Detailed definition
The average interest rate credited to institutional policyholder accounts, weighted by the size of the individual accoun...
Peer comparison
Commonly reported as 'Crediting Rate' or 'Interest Crediting Rate' in annuity and retirement product disclosures.
Metric ID:
pru_segment_institutional_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 | 3.2% | 3.3% | 3.1% | 3.2% | 3.3% | 3.7% | 3.8% | 3.9% | 3.9% | 3.9% | 3.9% | 4% | 4.1% | 4.1% | 4% | 4.1% | 4.2% |
| QoQ Change | — | +4.8% | -5.2% | +1.6% | +4.7% | +10.8% | +3.8% | +0.5% | +0.0% | +0.5% | +0.8% | +1.8% | +3.5% | -0.2% | -2.0% | +1.5% | +2.0% |
| YoY Change | — | — | — | — | +5.7% | +11.8% | +22.4% | +21.1% | +15.6% | +4.9% | +1.8% | +3.1% | +6.8% | +5.9% | +3.1% | +2.8% | +1.2% |
Range3.1% – 4.2%
CAGR+7.2%
Avg YoY Growth+8.2%
Median YoY Growth+5.7%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is Prudential Financial's institutional — weighted-average crediting rate?
- Prudential Financial (PRU) reported institutional — weighted-average crediting rate of 4.2% in Q4 2025.
- How has Prudential Financial's institutional — weighted-average crediting rate changed year-over-year?
- Prudential Financial's institutional — weighted-average crediting rate increased by 1.2% year-over-year, from 4.1% to 4.2%.
- What is the long-term trend for Prudential Financial's institutional — weighted-average crediting rate?
- Over 3 years (2022 to 2025), Prudential Financial's institutional — weighted-average crediting rate has grown at a 8.1% compound annual growth rate (CAGR), from 12.9% to 16.4%.
- What does institutional — weighted-average crediting rate mean?
- The average interest rate paid to institutional clients on their account balances.