Overview Dividends

(PFG) Principal Financial - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US74251V1026

Retirement Plans, Asset Management, Insurance

PFG EPS (Earnings per Share)

EPS (Earnings per Share) of PFG over the last years for every Quarter: "2020-09": 0.85, "2020-12": 1.48, "2021-03": 1.53, "2021-06": 1.7, "2021-09": 1.69, "2021-12": 1.85, "2022-03": 1.63, "2022-06": 1.65, "2022-09": 1.69, "2022-12": 1.7, "2023-03": 1.48, "2023-06": 1.53, "2023-09": 1.72, "2023-12": 1.83, "2024-03": 1.65, "2024-06": 1.63, "2024-09": 1.76, "2024-12": 1.94, "2025-03": 1.81, "2025-06": 2.16, "2025-09": 0,
EPS Growth (3Y CAGR): -58.11%
EPS Trend (3Y Correlation): -32.0%

PFG Revenue

Revenue of PFG over the last years for every Quarter: 2020-09: 3310.7, 2020-12: 3765.1, 2021-03: 3208.5, 2021-06: 3539.4, 2021-09: 3423.7, 2021-12: 4091.1, 2022-03: 3095.5, 2022-06: 6664.5, 2022-09: 4625.3, 2022-12: 3122, 2023-03: 2819, 2023-06: 3557.3, 2023-09: 4598.7, 2023-12: 2690.8, 2024-03: 4053.3, 2024-06: 4310.8, 2024-09: 3011.6, 2024-12: 4752, 2025-03: 3695.9, 2025-06: 3671.3, 2025-09: null,
Revenue Growth (3Y CAGR): -8.06%
Revenue Trend (3Y Correlation): 12.7%

Description: PFG Principal Financial October 16, 2025

Principal Financial Group (NASDAQ:PFG) is a diversified financial services firm that delivers retirement, asset-management, and insurance solutions to individuals, businesses, and institutional clients through three operating segments: Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection.

In FY 2023 the company generated roughly $13 billion in revenue and held over $1 trillion in assets under management, with a net income margin of about 8 % and a return on equity near 12 %. Key economic drivers include the aging U.S. population, which fuels demand for retirement plan administration and annuity products, and the prevailing low-interest-rate environment that compresses traditional insurance underwriting margins and pushes the firm toward fee-based investment offerings.

For a deeper quantitative dive, you may find the ValueRay platform’s proprietary risk-adjusted return metrics useful.

PFG Stock Overview

Market Cap in USD 17,516m
Sub-Industry Life & Health Insurance
IPO / Inception 2001-10-23

PFG Stock Ratings

Growth Rating 14.3%
Fundamental 69.3%
Dividend Rating 70.2%
Return 12m vs S&P 500 -22.1%
Analyst Rating 2.92 of 5

PFG Dividends

Dividend Yield 12m 3.79%
Yield on Cost 5y 8.63%
Annual Growth 5y 6.21%
Payout Consistency 97.8%
Payout Ratio 39.4%

PFG Growth Ratios

Growth Correlation 3m 59.7%
Growth Correlation 12m -10.9%
Growth Correlation 5y 84%
CAGR 5y 0.21%
CAGR/Max DD 3y (Calmar Ratio) 0.01
CAGR/Mean DD 3y (Pain Ratio) 0.02
Sharpe Ratio 12m 0.53
Alpha -26.01
Beta 1.029
Volatility 25.28%
Current Volume 862.8k
Average Volume 20d 1000.6k
Stop Loss 77.2 (-3%)
Signal -0.47

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (1.14b TTM) > 0 and > 6% of Revenue (6% = 907.8m TTM)
FCFTA 0.01 (>2.0%) and ΔFCFTA 0.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 49.07% (prev -69.86%; Δ 118.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.01 (>3.0%) and CFO 4.38b > Net Income 1.14b (YES >=105%, WARN >=100%)
Net Debt (288.1m) to EBITDA (1.35b) ratio: 0.21 <= 3.0 (WARN <= 3.5)
Current Ratio 309.1 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (226.5m) change vs 12m ago -4.27% (target <= -2.0% for YES)
Gross Margin 45.11% (prev 44.11%; Δ 1.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 4.79% (prev 5.07%; Δ -0.28pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 40.92 (EBITDA TTM 1.35b / Interest Expense TTM 42.7m) >= 6 (WARN >= 3)

Altman Z'' 0.40

(A) 0.02 = (Total Current Assets 7.45b - Total Current Liabilities 24.1m) / Total Assets 323.10b
(B) 0.05 = Retained Earnings (Balance) 17.69b / Total Assets 323.10b
(C) 0.01 = EBIT TTM 1.75b / Avg Total Assets 315.94b
(D) 0.04 = Book Value of Equity 10.98b / Total Liabilities 311.25b
Total Rating: 0.40 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 69.27

1. Piotroski 5.0pt = 0.0
2. FCF Yield 24.17% = 5.0
3. FCF Margin 28.44% = 7.11
4. Debt/Equity 0.35 = 2.44
5. Debt/Ebitda 0.21 = 2.46
6. ROIC - WACC (= 1.64)% = 2.05
7. RoE 10.14% = 0.85
8. Rev. Trend 12.72% = 0.95
9. EPS Trend -31.96% = -1.60

What is the price of PFG shares?

As of October 27, 2025, the stock is trading at USD 79.62 with a total of 862,789 shares traded.
Over the past week, the price has changed by +1.26%, over one month by -2.71%, over three months by +0.09% and over the past year by -7.83%.

Is Principal Financial a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Principal Financial (NASDAQ:PFG) is currently (October 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 69.27 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PFG is around 74.48 USD . This means that PFG is currently overvalued and has a potential downside of -6.46%.

Is PFG a buy, sell or hold?

Principal Financial has received a consensus analysts rating of 2.92. Therefor, it is recommend to hold PFG.
  • Strong Buy: 1
  • Buy: 2
  • Hold: 6
  • Sell: 1
  • Strong Sell: 2

What are the forecasts/targets for the PFG price?

Issuer Target Up/Down from current
Wallstreet Target Price 87.9 10.4%
Analysts Target Price 87.9 10.4%
ValueRay Target Price 82.8 4%

PFG Fundamental Data Overview October 20, 2025

Market Cap USD = 17.52b (17.52b USD * 1.0 USD.USD)
P/E Trailing = 15.8528
P/E Forward = 9.1158
P/S = 1.1577
P/B = 1.6443
P/EG = 1.5
Beta = 1.029
Revenue TTM = 15.13b USD
EBIT TTM = 1.75b USD
EBITDA TTM = 1.35b USD
Long Term Debt = 3.92b USD (from longTermDebt, last quarter)
Short Term Debt = 24.1m USD (from shortTermDebt, last quarter)
Debt = 3.95b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 288.1m USD (from netDebt column, last quarter)
Enterprise Value = 17.80b USD (17.52b + Debt 3.95b - CCE 3.66b)
Interest Coverage Ratio = 40.92 (Ebit TTM 1.75b / Interest Expense TTM 42.7m)
FCF Yield = 24.17% (FCF TTM 4.30b / Enterprise Value 17.80b)
FCF Margin = 28.44% (FCF TTM 4.30b / Revenue TTM 15.13b)
Net Margin = 7.53% (Net Income TTM 1.14b / Revenue TTM 15.13b)
Gross Margin = 45.11% ((Revenue TTM 15.13b - Cost of Revenue TTM 8.31b) / Revenue TTM)
Gross Margin QoQ = 49.61% (prev 38.94%)
Tobins Q-Ratio = 0.06 (Enterprise Value 17.80b / Total Assets 323.10b)
Interest Expense / Debt = 1.08% (Interest Expense 42.7m / Debt 3.95b)
Taxrate = 13.83% (69.6m / 503.1m)
NOPAT = 1.51b (EBIT 1.75b * (1 - 13.83%))
Current Ratio = 309.1 (out of range, set to none) (Total Current Assets 7.45b / Total Current Liabilities 24.1m)
Debt / Equity = 0.35 (Debt 3.95b / totalStockholderEquity, last quarter 11.42b)
Debt / EBITDA = 0.21 (Net Debt 288.1m / EBITDA 1.35b)
Debt / FCF = 0.07 (Net Debt 288.1m / FCF TTM 4.30b)
Total Stockholder Equity = 11.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.35% (Net Income 1.14b / Total Assets 323.10b)
RoE = 10.14% (Net Income TTM 1.14b / Total Stockholder Equity 11.24b)
RoCE = 11.52% (EBIT 1.75b / Capital Employed (Equity 11.24b + L.T.Debt 3.92b))
RoIC = 9.82% (NOPAT 1.51b / Invested Capital 15.33b)
WACC = 8.18% (E(17.52b)/V(21.46b) * Re(9.81%) + D(3.95b)/V(21.46b) * Rd(1.08%) * (1-Tc(0.14)))
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.12%
[DCF Debug] Terminal Value 75.05% ; FCFE base≈4.15b ; Y1≈4.87b ; Y5≈7.38b
Fair Price DCF = 418.1 (DCF Value 93.14b / Shares Outstanding 222.8m; 5y FCF grow 18.32% → 3.0% )
EPS Correlation: -31.96 | EPS CAGR: -58.11% | SUE: -4.0 | # QB: 0
Revenue Correlation: 12.72 | Revenue CAGR: -8.06% | SUE: -0.50 | # QB: 0

Additional Sources for PFG Stock

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