Discontinued — last reported Q4 '25
Institutional — Weighted-average interest rate (at current discount rate)
Prudential Financial Institutional — Weighted-average interest rate (at current discount rate) increased by 1.9% to 5.4% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 3.9%, from 5.6% to 5.4%. Over 3 years (FY 2022 to FY 2025), Institutional — Weighted-average interest rate (at current discount rate) shows an upward trend with a 3.6% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
An increase in this rate generally reduces the present value of liabilities, potentially improving the balance sheet position.
Detailed definition
This metric reflects the current weighted-average interest rate applied to discount institutional policy liabilities bas...
Peer comparison
Similar to 'current market discount rate' used in fair value accounting for insurance liabilities.
pru_segment_institutional_weighted_average_interest_rate_at_current_discount_rateHistorical Data
| 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 | 2.7% | 3.7% | 4.7% | 5.7% | 5.4% | 5.1% | 5.3% | 6% | 5% | 5.3% | 5.6% | 5% | 5.6% | 5.5% | 5.5% | 5.3% | 5.4% |
| QoQ Change | — | +33.2% | +28.2% | +21.4% | -5.1% | -5.6% | +4.1% | +13.6% | -16.4% | +5.6% | +4.7% | -10.8% | +12.7% | -1.8% | -0.7% | -3.3% | +1.9% |
| YoY Change | — | — | — | — | +96.7% | +39.5% | +13.2% | +6.0% | -6.7% | +4.3% | +4.9% | -17.6% | +11.1% | +3.4% | -2.0% | +6.2% | -3.9% |
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Frequently Asked Questions
- What is Prudential Financial's institutional — weighted-average interest rate (at current discount rate)?
- Prudential Financial (PRU) reported institutional — weighted-average interest rate (at current discount rate) of 5.4% in Q4 2025.
- How has Prudential Financial's institutional — weighted-average interest rate (at current discount rate) changed year-over-year?
- Prudential Financial's institutional — weighted-average interest rate (at current discount rate) decreased by 3.9% year-over-year, from 5.6% to 5.4%.
- What is the long-term trend for Prudential Financial's institutional — weighted-average interest rate (at current discount rate)?
- Over 3 years (2022 to 2025), Prudential Financial's institutional — weighted-average interest rate (at current discount rate) has grown at a 3.6% compound annual growth rate (CAGR), from 19.4% to 21.6%.
- What does institutional — weighted-average interest rate (at current discount rate) mean?
- The average interest rate currently used to value future institutional insurance obligations.