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U.S. Financial Wellness Benefits Market Report 2024-2029 with Bank of America Merrill Lynch, Financial Finesse, Mercer, Prudential Financial, Virgin Pulse Leading the $1.21 Billion Market
GlobeNewswire News Room· 2024-11-28 17:02
文章核心观点 - 美国财务健康福利市场在2023年估值为5.8702亿美元,预计到2029年将达到12.1亿美元,年复合增长率为12.91% [1] 市场规模与增长 - 2023年市场估值为5.8702亿美元,预计到2029年将达到12.1亿美元,年复合增长率为12.91% [1][14] 市场驱动因素 - 工作场所压力管理需求的增加,如长时间工作、工作与生活平衡质量下降和工作场所竞争加剧,推动了健康和福利计划的发展 [2] - 美国劳动力面临比欧洲OECD国家更高的健康成本和潜在的更高死亡率,增加了对工作场所压力相关成本的认识,促进了健康保险覆盖范围的扩大和家庭友好型工作政策的普及 [3] 市场趋势与机会 - 财务健康福利市场的主要参与者包括银行、信用合作社、社区非营利组织和保险公司,这些实体通常通过收购或合作方式进入市场 [1] - 退休计划顾问正在将财务健康作为其业务的核心,超越传统的401(k)计划 [1] - 健康冠军在健康计划中的作用日益增强,研究表明1%-4%的员工可以作为健康冠军,提高健康计划的效率 [8][9] - 雇主越来越多地承担员工财务健康的责任,根据Bank of America的调查,近40%的员工感到财务不健康,雇主正在投资于员工的财务健康 [10] 市场区域分析 - 南部地区在2023年占据了美国财务健康福利市场的最大份额,占比超过34%,主要州包括德克萨斯、佛罗里达、弗吉尼亚、乔治亚等 [4][5][6] 市场限制 - 财务健康福利计划与员工动机和价值观的错位,导致员工对这些计划的参与度低 [11][12] 主要参与者 - 主要市场参与者包括Bank of America Merrill Lynch、Financial Finesse、Mercer、Prudential Financial、Virgin Pulse (Personify Health)等 [16][17] 市场细分 - 按计划类型细分:财务规划、财务教育与咨询、退休规划、债务管理等 [18] - 按终端用户细分:大型企业、中型企业、小型企业 [18] - 按交付方式细分:一对一、在线/数字、团体 [18] - 按类型细分:消费者工具、雇主工具 [18] - 按行业细分:医疗保健、金融服务、教育、制造业、公共部门 [18]
Should Value Investors Buy Prudential (PUK) Stock?
ZACKS· 2024-11-08 23:46
While the proven Zacks Rank places an emphasis on earnings estimates and estimate revisions to find strong stocks, we also know that investors tend to develop their own individual strategies. With this in mind, we are always looking at value, growth, and momentum trends to discover great companies.Of these, value investing is easily one of the most popular ways to find great stocks in any market environment. Value investors use fundamental analysis and traditional valuation metrics to find stocks that they ...
Prudential: Becoming Bullish On Results And Appealing Shareholder Yield (Upgrade)
Seeking Alpha· 2024-11-07 23:24
公司业务 - 亚洲价值与护城河股票是一项为价值投资者提供的研究服务 旨在寻找亚洲上市股票中价格与内在价值存在巨大差距的股票 倾向于深度价值资产负债表廉价股和宽护城河股票 [1] - 公司作者为亚洲价值与护城河股票投资集团提供想法 为寻求亚洲上市投资机会的价值投资者服务 特别关注香港市场 寻找深度价值资产负债表廉价股和宽护城河股票并提供一系列观察名单且每月更新 [1] 分析师披露 - 分析师在提及的任何公司中没有股票期权或类似衍生工具头寸 且在未来72小时内无计划建立任何此类头寸 文章为分析师自己所写 表达自己的观点 除了从Seeking Alpha获得报酬外没有其他报酬 与文章中提及股票的任何公司没有业务关系 [2] Seeking Alpha披露 - 过去的表现不能保证未来的结果 没有给出任何投资是否适合特定投资者的推荐或建议 上述表达的任何观点或意见可能不能反映Seeking Alpha整体的观点 Seeking Alpha不是持牌证券交易商 经纪人或美国投资顾问或投资银行 分析师是第三方作者 包括可能未被任何机构或监管机构许可或认证的专业投资者和个人投资者 [3]
Prudential Financial Q3 Earnings Beat Estimates, Revenues Rise Y/Y
ZACKS· 2024-10-31 21:05
Prudential Financial, Inc. (PRU) reported third-quarter 2024 adjusted operating income of $3.48 per share, which beat the Zacks Consensus Estimate by 0.2%. However, the bottom line decreased 3.8% year over year.Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar.Total revenues of $19.5 billion surged 94% year over year and beat the Zacks Consensus Estimate by 33.7%. The increase in revenues was due to higher premiums, policy charges and fee income and net investment income.Prudential Fi ...
Prudential Financial Q3 2024 Earnings Preview: Growth Prospects Are Limited
Seeking Alpha· 2024-10-29 21:28
Prudential Financial, Inc. (NYSE: PRU ) is expected to report a positive operating performance for Q3 2024 post-market on October 30th , but this seems to be reflected in its valuation and I don't expect many surprises Labutes IR is a Fund Manager/Analyst specialized in the financial sector, with more than 18 years of experience in the financial markets. I have worked at several type of institutions in the industry, always at the buy side and related to portfolio management. Associated with the existing aut ...
Prudential Financial: A 4.2% Dividend Yield & Growth In Both Insurance & Retirement Products
Seeking Alpha· 2024-10-15 22:23
This is the official page of Croatian-American media personality Albert Anthony. Since 2023 he has been a contributor to global financial media portal Seeking Alpha, reaching +1MM investors worldwide & his content often averaging +25,000 views monthly. As an independent contributor, his content on the Seeking Alpha portal provides curated analysis of stocks trading on major US exchanges, with a strong focus on the financials and tech sector, and building a diversified dividend income portfolio, but also a f ...
Prudential PLC (PUK) Stock Price Up 3.63% on Oct 2
Gurufocus· 2024-10-03 00:06
Shares of Prudential PLC (PUK, Financial) surged 3.63% in mid-day trading on Oct 2. The stock reached an intraday high of $19.29, before settling at $19.15, up from its previous close of $18.48. This places PUK 19.30% below its 52-week high of $23.73 and 21.43% above its 52-week low of $15.77. Trading volume was 1,043,439 shares, 76.0% of the average daily volume of 1,372,441. Wall Street Analysts Forecast Based on the one-year price targets offered by 1 analysts, the average target price for Prudential PLC ...
Prudential Financial: H1 2024 Earnings Support Its Income Appeal
Seeking Alpha· 2024-09-24 06:40
Labutes IR is a Fund Manager/Analyst specialized in the financial sector, with more than 18 years of experience in the financial markets. I have worked at several type of institutions in the industry, always at the buy side and related to portfolio management. Associated with the existing author The Outsider. Analyst's Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this art ...
Prudential Financial Lags Industry: Is the Stock a Hold or Fold?
ZACKS· 2024-08-31 01:56
Shares of Prudential Financial Inc. (PRU) have gained 15.5% year to date, underperforming the industry's increase of 17.6% and the Zacks S&P 500 composite's increase of 17.2% in the said time frame. Earnings missed estimates in the last three reported quarters. Earnings increased 0.5% in the last five years, lagging the industry average of 9.7%. The expected long-term earnings growth rate is pegged at 9.7%, lower than the industry average of 12.4%. Expenses increased 26.8% in the first half of 2024 while ne ...
PRU(PUK) - 2024 Q2 - Earnings Call Presentation
2024-08-28 21:23
业绩总结 - 2024年上半年新业务利润为15亿美元,同比增长8%[5] - 2024年上半年的合同服务边际(CSM)为205亿美元,同比增长9%[5] - 2024年上半年年化基础增长率在6%-9%范围内,符合公司目标[5] - 2024年上半年的年保费等值(APE)增长率为6%[6] - 2024年上半年净保费(NBP)增长率为8%[12] - 2024年上半年每股内嵌价值为433亿美元,约为1575美分[5] - 2024年上半年的总运营自由盈余(Gross OFSG)为14亿美元,同比下降4%[5] - IFRS运营利润为23亿美元,同比增长9%[17] - 自由盈余比率为232%,较上年下降10个百分点[17] - 2024年第一期股息为每股43.8美分[17] 用户数据 - 截至2023年6月30日,印尼每月活跃代理人数从65,000人修正为69,000人[56] - 2023年上半年,代理新业务利润(NBP)同比增长1%,不包括香港[58] - 2023年上半年,普华在新加坡的高净值客户(HNW)产品销售增长15%[62] - 2023年上半年,普华在中国大陆的生命保险业务同比增长17%[74] - 2023年上半年,普华在印度的资产管理业务管理的资产总额(AUM)达到0.7亿美元,市场份额为12.6%[85] - 2023年上半年,普华在菲律宾的销售增长23%,主要得益于银行销售人员的生产力提升[83] 未来展望 - 预计到2027年,净保费年复合增长率(CAGR)为15%-20%[7] - 预计2024年新业务的OFSG(运营自由盈余)同比增长12%[35] - 预计到2030年,碳强度将减少55%以实现净零排放目标[7] - 预计2027年实现超过44亿美元的Gross OFSG[31] - 2023年新业务的OFSG/APE比率为4.4%,预计2027年将达到3.4%[38] 新产品和新技术研发 - 新业务利润(NBP)在健康产品方面,2023年上半年为152百万美元,预计到2027年将超过275百万美元[67] - 泰国新合作伙伴CIMB贡献了6%的普华泰国银行保险销售[61] 市场扩张和并购 - 2024年和2025年每年预计投资0.2亿美元,累计投资达到2.5-3亿美元[40] - Prudential在ICICI Prudential Life Insurance中持有22%的股份[87] - Prudential在ICICI Prudential Asset Management Company中持有49%的股份[87] 负面信息 - 2024年上半年的总运营自由盈余(Gross OFSG)为14亿美元,同比下降4%[5] - 2023年现金流出现低于2022年的情况,主要由于特定的组合效应[38] - 2023年上半年,马来西亚和印尼的代理新业务利润下降4%,受医疗定价影响[80] 其他新策略和有价值的信息 - 宣布进行20亿美元的股票回购,预计到2026年中完成[26] - 2023年TEV的RoEV预计在13%-14%之间,反映出战略执行带来的上行潜力[149] - 2023年TEV的经济假设变化导致的TEV调整为45.3亿[155]