(PFG) Principal Financial - NASDAQ
Sector: Financial Services | Industry: Asset Management | Exchange: NASDAQ (USA) | Market Cap: 23.694m USD | Total Return: 50.1% in 12m
Avg Turnover: 102M
EPS Trend: 96.5%
Qual. Beats: 0
Rev. Trend: 70.6%
Qual. Beats: -1
Warnings
Extended 1w
Tailwinds
Supp Ema20
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
| 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 (2.16b): -0.05 < 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 43.07%; Δ 5.60% > 0.5%) |
| Asset Turnover: 4.79% > 50% (prev 5.04%; Δ -0.25% > 0%) |
| Interest Coverage Ratio: 868.2 > 6 (EBIT TTM 1.91b / Interest Expense TTM 2.20m) |
| A: -0.04 (Total Current Assets 4.05b - Total Current Liabilities 17.5b) / Total Assets 333b |
| B: 0.06 (Retained Earnings 18.3b / Total Assets 333b) |
| C: 0.01 (EBIT TTM 1.91b / Avg Total Assets 323b) |
| D: 0.04 (Book Value of Equity 11.8b / Total Liabilities 320b) |
| Altman-Z'' = -0.01 = B |
| DSRI: 0.16 (Receivables 3.64b/23.1b, Revenue 15.5b/15.8b) |
| GMI: 0.88 (GM 43.07% / 48.68%) |
| AQI: 1.00 (AQ_t 0.99 / AQ_t-1 0.99) |
| SGI: 0.98 (Revenue 15.5b / 15.8b) |
| TATA: -0.01 (NI 1.55b - CFO 3.75b) / TA 333b) |
| Beneish M = -3.84 (Cap -4..+1) = AAA |
As of June 15, 2026, the stock is trading at USD 111.12 with a total of 825,144 shares traded.
Over the past week, the price has changed by +5.60%,
over one month by +11.15%,
over three months by +29.56% and
over the past year by +50.13%.
Principal Financial has received a consensus analysts rating of 2.92. Therefore, it is recommended to hold PFG.
- StrongBuy: 1
- Buy: 2
- Hold: 6
- Sell: 1
- StrongSell: 2
| Analysts Target Price | 101.5 | -8.7% |
P/E Trailing = 15.7374
P/E Forward = 9.3897
P/S = 1.5328
P/B = 1.9966
P/EG = 1.0624
Revenue TTM = 15.5b USD
EBIT TTM = 1.91b USD
EBITDA TTM = 2.16b 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 (calculated: Debt 3.95b - CCE 4.05b)
Enterprise Value = 23.6b USD (23.7b + Debt 3.95b - CCE 4.05b)
Interest Coverage Ratio = 868.2 (Ebit TTM 1.91b / Interest Expense TTM 2.20m)
EV/FCF = 6.50x (Enterprise Value 23.6b / FCF TTM 3.63b)
FCF Yield = 15.39% (FCF TTM 3.63b / Enterprise Value 23.6b)
FCF Margin = 23.49% (FCF TTM 3.63b / Revenue TTM 15.5b)
Net Margin = 10.03% (Net Income TTM 1.55b / Revenue TTM 15.5b)
Gross Margin = 48.68% ((Revenue TTM 15.5b - Cost of Revenue TTM 7.93b) / Revenue TTM)
Gross Margin QoQ = 53.91% (prev 46.93%)
Tobins Q-Ratio = 0.07 (Enterprise Value 23.6b / Total Assets 333b)
Interest Expense / Debt = 0.06% (Interest Expense 2.20m / Debt 3.95b)
Taxrate = 14.09% (263.4m / 1.87b)
NOPAT = 1.64b (EBIT 1.91b * (1 - 14.09%))
Current Ratio = 0.23 (Total Current Assets 4.05b / Total Current Liabilities 17.5b)
Debt / Equity = 0.33 (Debt 3.95b / totalStockholderEquity, last quarter 11.8b)
Debt / EBITDA = -0.05 (Net Debt -108.1m / EBITDA 2.16b)
Debt / FCF = -0.03 (Net Debt -108.1m / FCF TTM 3.63b)
Total Stockholder Equity = 11.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.48% (Net Income 1.55b / Total Assets 333b)
RoE = 13.25% (Net Income TTM 1.55b / Total Stockholder Equity 11.7b)
RoCE = 12.23% (EBIT 1.91b / Capital Employed (Equity 11.7b + L.T.Debt 3.93b))
RoIC = 0.52% (NOPAT 1.64b / Invested Capital 314b)
WACC = 7.86% (E(23.7b)/V(27.6b) * Re(9.16%) + D(3.95b)/V(27.6b) * Rd(0.06%) * (1-Tc(0.14)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.41 | Cagr: -3.09%
[DCF] Terminal Value 73.10% ; FCFF base≈4.15b ; Y1≈3.64b ; Y5≈2.94b
[DCF] Fair Price = 219.0 (EV 47.2b - Net Debt -108.1m = Equity 47.3b / Shares 216.0m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 96.45 | EPS CAGR: 11.40% | SUE: 0.43 | # QB: 0
Revenue Correlation: 70.63 | Revenue CAGR: 4.54% | SUE: -1.26 | # QB: -1
EPS current Quarter (2026-06-30): EPS=2.31 | Chg30d=+0.28% | Revisions=+23% | Analysts=10
EPS next Quarter (2026-09-30): EPS=2.45 | Chg30d=-0.52% | Revisions=+17% | Analysts=10
EPS current Year (2026-12-31): EPS=9.32 | Chg30d=+0.51% | Revisions=+57% | GrowthEPS=+12.6% | GrowthRev=+1.9%
EPS next Year (2027-12-31): EPS=10.21 | Chg30d=+0.29% | Revisions=+54% | GrowthEPS=+9.6% | GrowthRev=+7.4%
[Analyst] Revisions Ratio: +57%