(PFG) Principal Financial - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US74251V1026
Retirement Plans, Asset Management, Insurance
Dividends
| Dividend Yield | 3.41% |
| Yield on Cost 5y | 7.72% |
| Yield CAGR 5y | 6.21% |
| Payout Consistency | 97.8% |
| Payout Ratio | 38.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 22.2% |
| Value at Risk 5%th | 35.5% |
| Relative Tail Risk | -2.82% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.44 |
| Alpha | -4.48 |
| CAGR/Max DD | 0.16 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.462 |
| Beta | 1.100 |
| Beta Downside | 1.296 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.61% |
| Mean DD | 11.40% |
| 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.
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 |
| (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 |
| Total Rating: 0.39 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 48.15
| 1. Piotroski 3.50pt |
| 2. FCF Yield -45.13% |
| 3. FCF Margin 26.40% |
| 4. Debt/Equity 0.34 |
| 5. Debt/Ebitda -0.63 |
| 6. ROIC - WACC (= -8.07)% |
| 7. RoE 13.87% |
| 8. Rev. Trend -10.99% |
| 9. EPS Trend 57.14% |
What is the price of PFG shares?
As of December 11, 2025, the stock is trading at USD 90.23 with a total of 1,397,960 shares traded.
Over the past week, the price has changed by +4.99%, over one month by +8.98%, over three months by +13.75% and over the past year by +16.09%.
Over the past week, the price has changed by +4.99%, over one month by +8.98%, over three months by +13.75% and over the past year by +16.09%.
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 | -1.3% |
| Analysts Target Price | 89.1 | -1.3% |
| ValueRay Target Price | 97.3 | 7.8% |
PFG Fundamental Data Overview December 03, 2025
Market Cap USD = 18.81b (18.81b USD * 1.0 USD.USD)
P/E Trailing = 12.3827
P/E Forward = 9.0744
P/S = 1.1906
P/B = 1.5974
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 = -9.24b USD (18.81b + Debt 3.94b - CCE 31.99b)
Interest Coverage Ratio = 1.68 (Ebit TTM 71.6m / Interest Expense TTM 42.7m)
FCF Yield = -45.13% (FCF TTM 4.17b / Enterprise Value -9.24b)
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 -9.24b / 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 = 8.50% (E(18.81b)/V(22.75b) * Re(10.07%) + D(3.94b)/V(22.75b) * Rd(1.08%) * (1-Tc(0.06)))
Discount Rate = 10.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.12%
[DCF Debug] Terminal Value 73.31% ; FCFE base≈4.11b ; Y1≈4.64b ; Y5≈6.29b
Fair Price DCF = 352.3 (DCF Value 77.39b / Shares Outstanding 219.7m; 5y FCF grow 15.16% → 3.0% )
EPS Correlation: 57.14 | EPS CAGR: 3.44% | SUE: -0.44 | # QB: 0
Revenue Correlation: -10.99 | Revenue CAGR: -2.77% | SUE: -0.71 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.11 | Chg30d=+0.041 | Revisions Net=+4 | Analysts=9
EPS next Year (2026-12-31): EPS=9.39 | Chg30d=+0.105 | Revisions Net=+7 | Growth EPS=+13.0% | Growth Revenue=+8.5%
P/E Trailing = 12.3827
P/E Forward = 9.0744
P/S = 1.1906
P/B = 1.5974
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 = -9.24b USD (18.81b + Debt 3.94b - CCE 31.99b)
Interest Coverage Ratio = 1.68 (Ebit TTM 71.6m / Interest Expense TTM 42.7m)
FCF Yield = -45.13% (FCF TTM 4.17b / Enterprise Value -9.24b)
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 -9.24b / 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 = 8.50% (E(18.81b)/V(22.75b) * Re(10.07%) + D(3.94b)/V(22.75b) * Rd(1.08%) * (1-Tc(0.06)))
Discount Rate = 10.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.12%
[DCF Debug] Terminal Value 73.31% ; FCFE base≈4.11b ; Y1≈4.64b ; Y5≈6.29b
Fair Price DCF = 352.3 (DCF Value 77.39b / Shares Outstanding 219.7m; 5y FCF grow 15.16% → 3.0% )
EPS Correlation: 57.14 | EPS CAGR: 3.44% | SUE: -0.44 | # QB: 0
Revenue Correlation: -10.99 | Revenue CAGR: -2.77% | SUE: -0.71 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.11 | Chg30d=+0.041 | Revisions Net=+4 | Analysts=9
EPS next Year (2026-12-31): EPS=9.39 | Chg30d=+0.105 | Revisions Net=+7 | Growth EPS=+13.0% | Growth Revenue=+8.5%
Additional Sources for PFG Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle