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

EPS (Earnings per Share)

EPS Growth (3y CAGR): 7.99%
EPS Trend (3y Corr): 80.6%

Last SUE: -0.44σ
Qual. Beats: 0

Revenue

Revenue Growth (3y CAGR): 6.18%
Revenue Trend (3y Corr): 34.0%

Last SUE: -0.71σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	25.0%
Value at Risk 5%th	40.3%
Relative Tail Risk	-1.81%

Reward TTM
Sharpe Ratio	0.00
Alpha	-15.93

Character TTM
Hurst Exponent	0.430
Beta	1.104
Beta Downside	1.290

Drawdowns 3y
Max DD	28.61%
Mean DD	11.53%
Median DD	10.57%

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	18,309m
Sub-Industry	Life & Health Insurance
IPO / Inception	2001-10-23
Return 12m vs S&P 500	-9.82%
Analyst Rating	2.92 of 5

PFG Dividends

Metric	Value
Dividend Yield	4.64%
Yield on Cost 5y	9.33%
Yield CAGR 5y	6.21%
Payout Consistency	97.8%
Payout Ratio	38.5%

PFG Growth Ratios

Metric	Value
CAGR 3y	0.24%
CAGR/Max DD Calmar Ratio	0.01
CAGR/Mean DD Pain Ratio	0.02
Current Volume	1417.6k
Average Volume	1336.1k

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (1.57b TTM) > 0 and > 6% of Revenue (6% = 948.0m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.01pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 56.30% (prev -92.05%; Δ 148.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 4.25b > Net Income 1.57b (YES >=105%, WARN >=100%)

Net Debt (-1.20b) to EBITDA (1.89b) ratio: -0.63 <= 3.0 (WARN <= 3.5)

Current Ratio 685.3 (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 -1.82% (target <= -2.0% for YES)

Gross Margin 46.97% (prev 35.90%; Δ 11.06pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.81% (prev 4.36%; Δ 0.45pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.68 (EBITDA TTM 1.89b / Interest Expense TTM 42.7m) >= 6 (WARN >= 3)

Altman Z'' 0.39

(A) 0.03 = (Total Current Assets 8.91b - Total Current Liabilities 13.0m) / Total Assets 334.49b

(B) 0.05 = Retained Earnings (Balance) 17.73b / Total Assets 334.49b

(D) 0.04 = Book Value of Equity 13.43b / Total Liabilities 322.36b

Total Rating: 0.39 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 52.73

1. Piotroski 3.50pt = -1.50

2. FCF Yield -42.80% = -5.0

3. FCF Margin 26.40% = 6.60

4. Debt/Equity 0.34 = 2.44

5. Debt/Ebitda -0.63 = 2.50

6. ROIC - WACC (= -8.04)% = -10.05

7. RoE 13.87% = 1.16

8. Rev. Trend 33.98% = 2.55

9. EPS Trend 80.64% = 4.03

What is the price of PFG shares?

As of November 20, 2025, the stock is trading at USD 83.11 with a total of 1,417,589 shares traded.
Over the past week, the price has changed by -2.52%, over one month by +5.24%, over three months by +6.78% and over the past year by +2.46%.

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	89.1	7.2%
Analysts Target Price	89.1	7.2%
ValueRay Target Price	86.2	3.7%

PFG Fundamental Data Overview November 20, 2025

Market Cap USD = 18.31b (18.31b USD * 1.0 USD.USD)
P/E Trailing = 12.0513
P/E Forward = 8.673
P/S = 1.1588
P/B = 1.5256
P/EG = 1.5
Beta = 0.895
Revenue TTM = 15.80b USD
EBIT TTM = 71.6m USD
EBITDA TTM = 1.89b USD
Long Term Debt = 3.92b USD (from longTermDebt, last quarter)
Short Term Debt = 13.0m USD (from shortTermDebt, last quarter)
Debt = 3.94b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.20b USD (from netDebt column, last quarter)
Enterprise Value = -9.75b USD (18.31b + Debt 3.94b - CCE 31.99b)
Interest Coverage Ratio = 1.68 (Ebit TTM 71.6m / Interest Expense TTM 42.7m)
FCF Yield = -42.80% (FCF TTM 4.17b / Enterprise Value -9.75b)
FCF Margin = 26.40% (FCF TTM 4.17b / Revenue TTM 15.80b)
Net Margin = 9.96% (Net Income TTM 1.57b / Revenue TTM 15.80b)
Gross Margin = 46.97% ((Revenue TTM 15.80b - Cost of Revenue TTM 8.38b) / Revenue TTM)
Gross Margin QoQ = 44.89% (prev 49.61%)
Tobins Q-Ratio = -0.03 (set to none) (Enterprise Value -9.75b / Total Assets 334.49b)
Interest Expense / Debt = 1.08% (Interest Expense 42.7m / Debt 3.94b)
Taxrate = 5.84% (14.5m / 248.4m)
NOPAT = 67.4m (EBIT 71.6m * (1 - 5.84%))
Current Ratio = 685.3 (out of range, set to none) (Total Current Assets 8.91b / Total Current Liabilities 13.0m)
Debt / Equity = 0.34 (Debt 3.94b / totalStockholderEquity, last quarter 11.67b)
Debt / EBITDA = -0.63 (Net Debt -1.20b / EBITDA 1.89b)
Debt / FCF = -0.29 (Net Debt -1.20b / FCF TTM 4.17b)
Total Stockholder Equity = 11.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 1.57b / Total Assets 334.49b)
RoE = 13.87% (Net Income TTM 1.57b / Total Stockholder Equity 11.35b)
RoCE = 0.47% (EBIT 71.6m / Capital Employed (Equity 11.35b + L.T.Debt 3.92b))
RoIC = 0.44% (NOPAT 67.4m / Invested Capital 15.43b)
WACC = 8.48% (E(18.31b)/V(22.25b) * Re(10.08%) + D(3.94b)/V(22.25b) * Rd(1.08%) * (1-Tc(0.06)))
Discount Rate = 10.08% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.12%
[DCF Debug] Terminal Value 73.28% ; FCFE base≈4.11b ; Y1≈4.64b ; Y5≈6.29b
Fair Price DCF = 351.8 (DCF Value 77.28b / Shares Outstanding 219.7m; 5y FCF grow 15.16% → 3.0% )
EPS Correlation: 80.64 | EPS CAGR: 7.99% | SUE: -0.44 | # QB: 0
Revenue Correlation: 33.98 | Revenue CAGR: 6.18% | SUE: -0.71 | # QB: 0

Additional Sources for PFG Stock

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