(PFG) Principal Financial - Ratings and Ratios
Retirement Plans, Asset Management, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.78% |
| Yield on Cost 5y | 6.96% |
| Yield CAGR 5y | 6.00% |
| Payout Consistency | 97.9% |
| Payout Ratio | 38.5% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 23.1% |
| Value at Risk 5%th | 36.8% |
| Relative Tail Risk | -3.38% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.51 |
| Alpha | 0.02 |
| CAGR/Max DD | 0.11 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.510 |
| Beta | 1.094 |
| Beta Downside | 1.249 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.61% |
| Mean DD | 11.39% |
| Median DD | 10.57% |
Description: PFG Principal Financial December 19, 2025
Principal Financial Group (NASDAQ:PFG) is a diversified financial services firm that delivers retirement, asset-management, and insurance solutions to corporate, individual, and institutional clients worldwide. It operates through three primary segments: Retirement and Income Solutions, which administers 401(k), 403(b), defined-benefit, ESOP and pension-risk-transfer products; Principal Asset Management, which offers equity, fixed-income, real-estate, and alternative-investment funds plus pension-accumulation vehicles; and Benefits and Protection, which provides group dental, vision, life, disability insurance and related administration services for SMEs and their employees.
As of FY 2023, PFG generated roughly $14.5 billion in revenue and reported a net income of about $1.2 billion, delivering an operating margin near 15 % and a dividend yield around 4.5 %. The firm manages approximately $600 billion in assets under management (AUM), with a growing share allocated to fee-based investment products-a sector trend driven by the shift toward defined-contribution retirement plans and higher-margin, low-capital-intensity offerings. A key macro driver is the aging U.S. population, which fuels demand for retirement and longevity-linked insurance products, while the recent rise in interest rates improves investment income for the life-insurance book but can pressure the pricing of new annuity contracts.
For a deeper, data-driven valuation and scenario analysis, you may find ValueRay’s platform worth a look.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 1.57b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.01 > 1.0 |
| NWC/Revenue: -82.37% < 20% (prev -92.05%; Δ 9.68% < -1%) |
| CFO/TA 0.01 > 3% & CFO 4.25b > Net Income 1.57b |
| Net Debt (-1.20b) to EBITDA (1.89b): -0.63 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (226.5m) vs 12m ago -1.82% < -2% |
| Gross Margin: 46.97% > 18% (prev 0.36%; Δ 4661 % > 0.5%) |
| Asset Turnover: 4.81% > 50% (prev 4.36%; Δ 0.45% > 0%) |
| Interest Coverage Ratio: 1.68 > 6 (EBITDA TTM 1.89b / Interest Expense TTM 42.7m) |
Altman Z'' -0.04
| A: -0.04 (Total Current Assets 5.14b - Total Current Liabilities 18.15b) / Total Assets 334.49b |
| B: 0.05 (Retained Earnings 17.73b / Total Assets 334.49b) |
| C: 0.00 (EBIT TTM 71.6m / Avg Total Assets 328.67b) |
| D: 0.04 (Book Value of Equity 13.43b / Total Liabilities 322.36b) |
| Altman-Z'' Score: -0.04 = B |
Beneish M -3.27
| DSRI: 0.86 (Receivables 23.03b/23.79b, Revenue 15.80b/14.07b) |
| GMI: 0.76 (GM 46.97% / 35.90%) |
| AQI: 1.00 (AQ_t 0.98 / AQ_t-1 0.98) |
| SGI: 1.12 (Revenue 15.80b / 14.07b) |
| TATA: -0.01 (NI 1.57b - CFO 4.25b) / TA 334.49b) |
| Beneish M-Score: -3.27 = AA |
ValueRay F-Score (Strict, 0-100) 44.14
| 1. Piotroski: 3.50pt |
| 2. FCF Yield: -53.56% |
| 3. FCF Margin: 26.40% |
| 4. Debt/Equity: 0.34 |
| 5. Debt/Ebitda: -0.63 |
| 6. ROIC - WACC: -8.06% |
| 7. RoE: 13.87% |
| 8. Revenue Trend: -10.99% |
| 9. EPS Trend: -23.16% |
What is the price of PFG shares?
Over the past week, the price has changed by +3.09%, over one month by +1.89%, over three months by +15.90% and over the past year by +15.73%.
Is PFG a buy, sell or hold?
- 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 | 92.8 | 1.8% |
| Analysts Target Price | 92.8 | 1.8% |
| ValueRay Target Price | 97.7 | 7.1% |
PFG Fundamental Data Overview January 17, 2026
P/E Forward = 9.7656
P/S = 1.2827
P/B = 1.7177
P/EG = 1.5
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 = -7.79b USD (20.27b + Debt 3.94b - CCE 31.99b)
Interest Coverage Ratio = 1.68 (Ebit TTM 71.6m / Interest Expense TTM 42.7m)
EV/FCF = -1.87x (Enterprise Value -7.79b / FCF TTM 4.17b)
FCF Yield = -53.56% (FCF TTM 4.17b / Enterprise Value -7.79b)
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 = -0.02 (set to none) (Enterprise Value -7.79b / 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 = 0.28 (Total Current Assets 5.14b / Total Current Liabilities 18.15b)
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 = 0.48% (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 = 8.50% (E(20.27b)/V(24.21b) * Re(9.95%) + D(3.94b)/V(24.21b) * Rd(1.08%) * (1-Tc(0.06)))
Discount Rate = 9.95% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.12%
[DCF Debug] Terminal Value 78.09% ; FCFF base≈4.11b ; Y1≈4.64b ; Y5≈6.28b
Fair Price DCF = 452.8 (EV 98.28b - Net Debt -1.20b = Equity 99.48b / Shares 219.7m; r=8.50% [WACC]; 5y FCF grow 15.16% → 2.90% )
EPS Correlation: -23.16 | EPS CAGR: -46.74% | SUE: -4.0 | # QB: 0
Revenue Correlation: -10.99 | Revenue CAGR: -2.77% | SUE: -0.71 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.10 | Chg30d=+0.000 | Revisions Net=-2 | Analysts=9
EPS next Year (2026-12-31): EPS=9.38 | Chg30d=+0.022 | Revisions Net=+1 | Growth EPS=+13.0% | Growth Revenue=+8.6%
Additional Sources for PFG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle