(PFG) Principal Financial - Overview
Sector: Financial Services | Industry: Asset Management | Exchange: NASDAQ (USA) | Market Cap: 21.692m USD | Total Return: 28.3% in 12m
Retirement Plans, Asset Management, Life Insurance, Disability Insurance
Total Rating 45
Safety 46
Buy Signal 0.21
Asset Management
Industry Rotation: +5.0
Industry Rotation: +5.0
Market Cap:
21.7B
Avg Turnover: 120M
Avg Turnover: 120M
Risk 3d forecast
Volatility21.1%
VaR 5th Pctl3.72%
VaR vs Median7.38%
Reward TTM
Sharpe Ratio1.05
Rel. Str. IBD72.8
Rel. Str. Peer Group87.5
Character TTM
Beta1.033
Beta Downside1.255
Hurst Exponent0.505
Drawdowns 3y
Max DD22.43%
CAGR/Max DD0.78
CAGR/Mean DD2.48
EPS (Earnings per Share)
EPS CAGR: 6.23%
EPS Trend: 80.0%
EPS Trend: 80.0%
Last SUE: -0.22
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: -15.59%
Rev. Trend: -13.1%
Rev. Trend: -13.1%
Last SUE: -1.26
Qual. Beats: -1
Qual. Beats: -1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: PFG Principal Financial
Principal Financial Group Inc (PFG) is a diversified financial services firm providing retirement solutions, asset management, and insurance products to institutional and individual clients globally. The company operates through three primary segments: Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection. Its business model emphasizes fee-based revenue from retirement plan administration and asset management, alongside spread-based income from insurance and annuity products.
The firm maintains a significant presence in the U.S. retirement market, specifically focusing on defined contribution plans like 401(k)s and pension risk transfers. Within the Life & Health Insurance sub-industry, companies like PFG are increasingly shifting toward capital-light models by prioritizing investment management fees over traditional underwriting risks. Founded in 1879, the company targets small to medium-sized businesses for its specialty benefit offerings, including dental, vision, and disability insurance.
Further analysis of the companys valuation metrics on ValueRay may provide additional context for your investment thesis. Headquartered in Des Moines, Iowa, Principal Financial Group remains a major player in the global convergence of insurance and wealth management.
- Rising interest rates drive higher yields on fixed income and annuity portfolios
- Small and medium-sized business employment levels dictate group benefits and retirement premiums
- Global equity market volatility impacts asset management fee revenue and assets under management
- Pension risk transfer demand accelerates as corporations offload long-term defined benefit liabilities
- Regulatory changes to fiduciary standards and retirement plan mandates affect compliance costs and flows
Piotroski VR‑10 (Strict)
5.0
| Net Income: 1.55b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.48 > 1.0 |
| NWC/Revenue: -87.09% < 20% (prev -91.14%; Δ 4.05% < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.75b > Net Income 1.55b |
| Net Debt (-108.1m) to EBITDA (1.91b): -0.06 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (220.3m) vs 12m ago -2.08% < -2% |
| Gross Margin: 48.68% > 18% (prev 0.43%; Δ 4.82k% > 0.5%) |
| Asset Turnover: 4.79% > 50% (prev 5.04%; Δ -0.25% > 0%) |
| Interest Coverage Ratio: 868.2 > 6 (EBITDA TTM 1.91b / Interest Expense TTM 2.20m) |
Altman Z''
0.00
| A: -0.04 (Total Current Assets 4.05b - Total Current Liabilities 17.52b) / Total Assets 332.70b |
| B: 0.06 (Retained Earnings 18.32b / Total Assets 332.70b) |
| C: 0.01 (EBIT TTM 1.91b / Avg Total Assets 322.85b) |
| D: 0.04 (Book Value of Equity 13.98b / Total Liabilities 320.31b) |
| Altman-Z'' Score: -0.00 = B |
Beneish M
-3.84
| DSRI: 0.16 (Receivables 3.64b/23.12b, Revenue 15.46b/15.77b) |
| GMI: 0.88 (GM 48.68% / 43.07%) |
| AQI: 1.00 (AQ_t 0.99 / AQ_t-1 0.99) |
| SGI: 0.98 (Revenue 15.46b / 15.77b) |
| TATA: -0.01 (NI 1.55b - CFO 3.75b) / TA 332.70b) |
| Beneish M-Score: -3.84 (Cap -4..+1) = AAA |
What is the price of PFG shares?
As of May 16, 2026, the stock is trading at USD 100.53 with a total of 2,022,267 shares traded.
Over the past week, the price has changed by +0.03%, over one month by +6.18%, over three months by +10.28% and over the past year by +28.25%.
Over the past week, the price has changed by +0.03%, over one month by +6.18%, over three months by +10.28% and over the past year by +28.25%.
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.
- StrongBuy: 1
- Buy: 2
- Hold: 6
- Sell: 1
- StrongSell: 2
What are the forecasts/targets for the PFG price?
| Analysts Target Price | 99.5 | -1% |
Principal Financial (PFG) - Fundamental Data Overview
as of 15 May 2026
P/E Trailing = 14.4075 P/E Forward = 9.3897
P/S = 1.4032
P/B = 1.8374
P/EG = 1.0624
Revenue TTM = 15.46b USD
EBIT TTM = 1.91b USD
EBITDA TTM = 1.91b USD
Long Term Debt = 3.93b USD (from longTermDebt, last quarter)
Short Term Debt = 18.2m USD (from shortTermDebt, last quarter)
Debt = 3.95b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -108.1m USD (from netDebt column, last quarter)
Enterprise Value = 21.58b USD (21.69b + Debt 3.95b - CCE 4.05b)
Interest Coverage Ratio = 868.2 (Ebit TTM 1.91b / Interest Expense TTM 2.20m)
EV/FCF = 5.94x (Enterprise Value 21.58b / FCF TTM 3.63b)
FCF Yield = 16.82% (FCF TTM 3.63b / Enterprise Value 21.58b)
FCF Margin = 23.49% (FCF TTM 3.63b / Revenue TTM 15.46b)
Net Margin = 10.03% (Net Income TTM 1.55b / Revenue TTM 15.46b)
Gross Margin = 48.68% ((Revenue TTM 15.46b - Cost of Revenue TTM 7.93b) / Revenue TTM)
Gross Margin QoQ = 53.91% (prev 46.93%)
Tobins Q-Ratio = 0.06 (Enterprise Value 21.58b / Total Assets 332.70b)
Interest Expense / Debt = 0.06% (Interest Expense 2.20m / Debt 3.95b)
Taxrate = 14.30% (68.9m / 481.8m)
NOPAT = 1.64b (EBIT 1.91b * (1 - 14.30%))
Current Ratio = 0.23 (Total Current Assets 4.05b / Total Current Liabilities 17.52b)
Debt / Equity = 0.33 (Debt 3.95b / totalStockholderEquity, last quarter 11.82b)
Debt / EBITDA = -0.06 (Net Debt -108.1m / EBITDA 1.91b)
Debt / FCF = -0.03 (Net Debt -108.1m / FCF TTM 3.63b)
Total Stockholder Equity = 11.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.48% (Net Income 1.55b / Total Assets 332.70b)
RoE = 13.25% (Net Income TTM 1.55b / Total Stockholder Equity 11.70b)
RoCE = 12.23% (EBIT 1.91b / Capital Employed (Equity 11.70b + L.T.Debt 3.93b))
RoIC = 10.47% (NOPAT 1.64b / Invested Capital 15.64b)
WACC = 8.15% (E(21.69b)/V(25.64b) * Re(9.62%) + D(3.95b)/V(25.64b) * Rd(0.06%) * (1-Tc(0.14)))
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.39%
[DCF] Terminal Value 78.80% ; FCFF base≈4.15b ; Y1≈4.41b ; Y5≈5.27b
[DCF] Fair Price = 419.4 (EV 90.49b - Net Debt -108.1m = Equity 90.60b / Shares 216.0m; r=8.15% [WACC]; 5y FCF grow 6.83% → 3.0% )
EPS Correlation: 80.03 | EPS CAGR: 6.23% | SUE: -0.22 | # QB: 0
Revenue Correlation: -13.07 | Revenue CAGR: -15.59% | SUE: -1.26 | # QB: -1
EPS current Quarter (2026-06-30): EPS=2.30 | Chg30d=-0.61% | Revisions=-17% | Analysts=10
EPS next Quarter (2026-09-30): EPS=2.45 | Chg30d=-0.62% | Revisions=-33% | Analysts=10
EPS current Year (2026-12-31): EPS=9.29 | Chg30d=+0.16% | Revisions=-57% | GrowthEPS=+12.3% | GrowthRev=+1.9%
EPS next Year (2027-12-31): EPS=10.18 | Chg30d=-0.15% | Revisions=-33% | GrowthEPS=+9.6% | GrowthRev=+7.4%
[Analyst] Revisions Ratio: -57%