The following graph, which covers the period from the closing price on the date of our IPO (December 13, 2001) through December 31, 2001, compares the cumulative total shareholder return on Prudential Financial's Common Stock with the cumulative total shareholder return on (i) the Standard and Poor's (S&P) 500 Index and (ii) a Financial Services Composite Index, which is the average of the S&P Life/Health Insurance and S&P Diversified Financial Indexes. The figures presented below assume the reinvestment of all dividends into shares of common stock and an initial investment of $100 at the closing prices on December 13, 2001.

Cumulative Total Shareholder Return

        

		12/13/01			12/31/01
Prudential Financial, Inc.		$ 100.0			$ 113.3
S&P 500		$ 100.0			$ 102.7
Financial Services Composite Index		$ 100.0			$ 104.7

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