<SEC-DOCUMENT>0001193125-25-203304.txt : 20250915
<SEC-HEADER>0001193125-25-203304.hdr.sgml : 20250915
<ACCEPTANCE-DATETIME>20250915132443
ACCESSION NUMBER:		0001193125-25-203304
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250915
DATE AS OF CHANGE:		20250915

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PRUDENTIAL FINANCIAL INC
		CENTRAL INDEX KEY:			0001137774
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		EIN:				223703799
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-277590
		FILM NUMBER:		251313938

	BUSINESS ADDRESS:	
		STREET 1:		751 BROAD ST
		CITY:			NEWARK
		STATE:			NJ
		ZIP:			07102
		BUSINESS PHONE:		9738026000

	MAIL ADDRESS:	
		STREET 1:		751 BROAD ST
		CITY:			NEWARK
		STATE:			NJ
		ZIP:			07102
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>d94951d424b2.htm
<DESCRIPTION>424B2
<TEXT>
<HTML><HEAD>
<TITLE>424B2</TITLE>
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<div style ="BORDER-BOTTOM:1px solid #55644b;BORDER-LEFT:1px solid #55644b;BORDER-RIGHT:1px solid #55644b;BORDER-TOP:1px solid #55644b;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%">
 <P STYLE="margin-top:8pt; margin-bottom:0pt; margin-left:1%; font-size:7.5pt; font-family:Arial Narrow"><FONT COLOR="#c70101">This pricing supplement, which is not complete, relates to an
automatically effective Registration Statement under the Securities Act of 1933, as amended. We may not sell the notes until we deliver a final pricing supplement. This pricing supplement and the accompanying prospectus supplement and prospectus are
not an offer to sell these notes in any jurisdiction where such an offer would not be permitted. </FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1%; font-size:7.5pt; font-family:Arial Narrow" ALIGN="center"><FONT COLOR="#c70101">Subject to completion, dated September 15, 2025 </FONT></P>
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<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-right:0.50em; font-size:7pt; font-family:Arial Narrow" ALIGN="right">Prudential Financial InterNotes<SUP STYLE="font-size:75%; vertical-align:top">&reg;</SUP> , Due
Six Months or More from Date of Issue</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-right:0.50em; font-size:7pt; font-family:Arial Narrow" ALIGN="right">Filed under Rule 424(b)(2), Registration Statement No. 333-277590</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-right:0.50em; font-size:7pt; font-family:Arial Narrow" ALIGN="right"><FONT STYLE="white-space:nowrap">Preliminary&nbsp;Pricing&nbsp;Supplement&nbsp;No.&nbsp;31&nbsp;-&nbsp;Dated&nbsp;Monday,&nbsp;
September&nbsp;15,&nbsp;2025.&nbsp;To&nbsp;Prospectus&nbsp;Dated&nbsp;March&nbsp;1,&nbsp;2024&nbsp;and&nbsp;Prospectus&nbsp;Supplement&nbsp;dated&nbsp;August&nbsp;5,&nbsp;2024</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-right:0.50em; font-size:7pt; font-family:Arial Narrow" ALIGN="right"><B>Investors should read this pricing supplement in conjunction with the Prospectus and Prospectus Supplement.</B></P></TD></TR>
</TABLE> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7.5pt; font-family:Arial Narrow" ALIGN="center"><B>CUSIP<BR>Number</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>&#8194;Aggregate&#8194;<BR>&#8194;Principal&nbsp;Amount&#8194;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>&#8194;Selling&#8194;<BR>&#8194;Price&#8194;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>&#8195;Gross&#8195;</B></FONT><br><FONT STYLE="font-family:Arial Narrow; "><B>&#8195;Concession&#8195;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>Net</B></FONT><br><FONT STYLE="font-family:Arial Narrow; "><B>&#8194;Proceeds&#8194;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>&#8194;Interest&#8194;<BR>&#8194;Type&#8194;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>Interest&#8194;<BR>Rate&#8194;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>&#8194;Payment&#8194;<BR>&#8194;Frequency&#8194;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>&#8194;Maturity&#8194;<BR>Date</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>1st&nbsp;Interest</B></FONT><br><FONT STYLE="font-family:Arial Narrow; "><B>Payment<BR>Date</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>1st&nbsp;Interest</B></FONT><br><FONT STYLE="font-family:Arial Narrow; "><B>Payment<BR>Amount</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>Survivor&#8217;s<BR>Option*</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00px solid #000000"><FONT STYLE="font-family:Arial Narrow; "><B>Product</B></FONT><br><FONT STYLE="font-family:Arial Narrow; "><B>Ranking</B></FONT></TD></TR>


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<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7.5pt; font-family:Arial Narrow" ALIGN="center"><FONT COLOR="#c70101"><B>74432BBL1</B></FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; " COLOR="#0000ff"><B>[]</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">100.000%</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">1.250%</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; " COLOR="#0000ff"><B>[]</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">Fixed</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">3.900%</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; "><FONT STYLE="white-space:nowrap">Semi-Annual</FONT></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">09/15/2030</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">03/15/2026</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">$18.42</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">Yes</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Arial Narrow; ">Senior&nbsp;Unsecured&nbsp;Notes&#8194;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top" COLSPAN="25" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; margin-right:0.50em; font-size:7.5pt; font-family:Arial Narrow"><B>We will pay you interest on the notes on a Semi-Annual basis on Mar 15th and Sep 15th. The first such payment will be
made on Mar 15, 2026. The interest rate per annum and stated maturity date are set out above. The regular record dates for your notes are each business day preceding each date on which interest is paid.</B></P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; margin-right:0.50em; font-size:7.5pt; font-family:Arial Narrow">Any notes sold by the selling agents to
securities dealers, or by securities dealers to certain other brokers or dealers, may be sold at a discount from the initial selling price up to 0.6000% of the principal amount.</P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:7.5pt; font-family:Arial Narrow"><B>Redemption Information: <FONT
STYLE="font-family:Arial Narrow" COLOR="#c70101"><FONT STYLE="white-space:nowrap">Non-Callable</FONT></FONT></B></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:7.5pt; font-family:Arial Narrow"><B>Purchasing Agent:</B> InspereX LLC&#8195;&#8195;&#8195;<B>Agents:</B> BofA / Merrill Lynch, Citigroup, Morgan Stanley, RBC Capital
Markets, Wells Fargo Advisors</P> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.50em; font-size:7.5pt; font-family:Arial Narrow">Offering Date: Monday, September 15, 2025 through Monday, September 22, 2025</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-right:0.50em; font-size:7.5pt; font-family:Arial Narrow" ALIGN="right"><FONT COLOR="#0000ff"><B>Prudential Financial, Inc.</B></FONT></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.50em; font-size:7.5pt; font-family:Arial Narrow">Trade Date: Monday, September 22, 2025 @ 12:00 PM ET</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-right:0.50em; font-size:7.5pt; font-family:Arial Narrow" ALIGN="right"><FONT COLOR="#0000ff"><B>Prudential Financial Internotes&reg;</B></FONT></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.50em; font-size:7.5pt; font-family:Arial Narrow">Settle Date: Thursday, September 25, 2025</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-right:0.50em; font-size:7.5pt; font-family:Arial Narrow" ALIGN="right"><FONT COLOR="#0000ff"><B>Prospectus Dated March&nbsp;1, 2024 and</B></FONT></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.50em; font-size:7.5pt; font-family:Arial Narrow">Minimum Denomination/Increments: $1,000.00/$1,000.00</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-right:0.50em; font-size:7.5pt; font-family:Arial Narrow" ALIGN="right"><FONT COLOR="#0000ff"><B>Prospectus&nbsp;Supplement&nbsp;Dated&nbsp;August&nbsp;5,&nbsp;2024</B></FONT></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.50em; font-size:7.5pt; font-family:Arial Narrow">Initial trades settle flat and clear SDFS: DTC Book-Entry only</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.50em; font-size:7.5pt; font-family:Arial Narrow">DTC Number 0235 via RBC Dain Rauscher Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:1%; margin-right:25%; font-size:7.5pt; font-family:Arial Narrow">If the maturity date, redemption date or an interest payment date for any note is not a
business day (as that term is defined in the prospectus), principal, premium,<BR> if any, and interest for that note is paid on the next business day, and no interest will accrue from, and after, the maturity date, redemption date or interest
payment date (following unadjusted business day convention). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:1%; margin-right:25%; font-size:7.5pt; font-family:Arial Narrow">* The survivor&#8217;s option feature of your note is
subject to important limitations, restrictions and procedural requirements further described on page S-32 of <BR>your prospectus supplement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:1%; margin-right:25%; font-size:7.5pt; font-family:Arial Narrow">The Bank of New York will act as trustee for the Notes. Citibank, N.A., will act as paying agent, registrar and transfer agent
for the Notes and will administer any survivor&#8217;s options with respect thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:1%; margin-right:25%; font-size:7.5pt; font-family:Arial Narrow">Notes will be sold to you at the
selling price specified in this Pricing Supplement. The Purchasing Agent shall purchase notes from us at the selling price less the applicable gross concession specified in this Pricing Supplement. The Purchasing Agent may resell the notes it
purchases to the agents and selected dealers at the selling price less a concession that, at the discretion of the Purchasing Agent, may be less than or equal to the gross concession received by the Purchasing Agent. Notes purchased by the agents
and selected dealers on behalf of level-fee investment advisory accounts may be sold to such accounts at the selling price less the applicable concession, and such agents and selected dealers shall not retain, as compensation, any portion of such
concession applicable to such selling agents and dealers. In that instance, the Purchasing Agent may retain the portion of the gross concession applicable to the Purchasing Agent. </P>
<P STYLE="margin-top:20pt; margin-bottom:0pt; margin-left:1%; font-size:7pt; font-family:Arial Narrow"><FONT COLOR="#0000ff"><B>InterNotes&reg; is a registered trademark of InspereX Holdings LLC. All Rights Reserved. </B></FONT></P>
<P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
