(PFG) Principal Financial - Ratings and Ratios
Retirement Plans, Asset Management, Insurance, Annuities, Investment Products
PFG EPS (Earnings per Share)
PFG Revenue
Description: PFG Principal Financial
Principal Financial Group Inc (NASDAQ:PFG) is a leading provider of retirement, asset management, and insurance products and services to businesses, individuals, and institutional clients worldwide. The companys diversified business model is structured around three main segments: Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection.
The Retirement and Income Solutions segment is a key driver of the companys revenue, offering a range of products and services for defined contribution plans, defined benefit plans, and individual retirement accounts. The Principal Asset Management segment provides a diverse range of investment products, including equity, fixed income, and real estate investments. The Benefits and Protection segment offers specialty benefits, such as group dental and vision insurance, and individual life insurance products.
From a financial perspective, Principal Financial Group Inc has a market capitalization of approximately $18.2 billion and a price-to-earnings ratio of 17.34, indicating a relatively stable valuation. The companys return on equity (RoE) is 9.76%, which is a respectable metric. To further evaluate the companys performance, key performance indicators (KPIs) such as the net interest margin, asset under management (AUM) growth, and the combined ratio for the insurance segments can be analyzed. For instance, a high AUM growth rate and a low combined ratio would indicate a strong asset management business and efficient insurance operations, respectively.
Some additional KPIs that can be used to evaluate Principal Financial Group Incs performance include the annuity and insurance premium growth rate, the investment portfolios yield and credit quality, and the companys capital adequacy ratio. A detailed analysis of these KPIs can provide insights into the companys revenue growth prospects, profitability, and financial stability. For example, a high annuity and insurance premium growth rate would indicate a strong demand for the companys products, while a high investment portfolio yield would suggest a robust asset management business.
PFG Stock Overview
| Market Cap in USD | 17,536m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2001-10-23 |
PFG Stock Ratings
| Growth Rating | 40.0% |
| Fundamental | 60.6% |
| Dividend Rating | 80.6% |
| Return 12m vs S&P 500 | -11.6% |
| Analyst Rating | 2.92 of 5 |
PFG Dividends
| Dividend Yield 12m | 4.66% |
| Yield on Cost 5y | 10.56% |
| Annual Growth 5y | 4.93% |
| Payout Consistency | 97.8% |
| Payout Ratio | 39.4% |
PFG Growth Ratios
| Growth Correlation 3m | 27.2% |
| Growth Correlation 12m | -38.5% |
| Growth Correlation 5y | 85.1% |
| CAGR 5y | 17.92% |
| CAGR/Max DD 5y | 0.61 |
| Sharpe Ratio 12m | 0.39 |
| Alpha | -12.93 |
| Beta | 1.005 |
| Volatility | 21.77% |
| Current Volume | 974.7k |
| Average Volume 20d | 1049.1k |
| Stop Loss | 78 (-3.1%) |
| Signal | -0.46 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (1.14b TTM) > 0 and > 6% of Revenue (6% = 907.8m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 49.07% (prev -69.86%; Δ 118.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 4.38b > Net Income 1.14b (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 309.1 (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 -4.27% (target <= -2.0% for YES) |
| Gross Margin 45.11% (prev 44.11%; Δ 1.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.95% (prev 5.42%; Δ -0.47pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 40.92 (EBITDA TTM -180.5m / Interest Expense TTM 42.7m) >= 6 (WARN >= 3) |
Altman Z'' 0.40
| (A) 0.02 = (Total Current Assets 7.45b - Total Current Liabilities 24.1m) / Total Assets 323.10b |
| (B) 0.05 = Retained Earnings (Balance) 17.69b / Total Assets 323.10b |
| (C) 0.01 = EBIT TTM 1.75b / Avg Total Assets 305.97b |
| (D) 0.04 = Book Value of Equity 10.98b / Total Liabilities 311.25b |
| Total Rating: 0.40 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.59
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 24.14% = 5.0 |
| 3. FCF Margin 28.44% = 7.11 |
| 4. Debt/Equity 0.35 = 2.44 |
| 5. Debt/Ebitda -21.87 = -2.50 |
| 6. ROIC - WACC 1.53% = 1.92 |
| 7. RoE 10.14% = 0.85 |
| 8. Rev. Trend 12.72% = 0.64 |
| 9. Rev. CAGR -8.06% = -1.34 |
| 10. EPS Trend -0.72% = -0.02 |
| 11. EPS CAGR -32.21% = -2.50 |
What is the price of PFG shares?
Over the past week, the price has changed by -0.26%, over one month by +0.40%, over three months by +3.51% and over the past year by +3.44%.
Is Principal Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PFG is around 84.30 USD . This means that PFG is currently overvalued and has a potential downside of 4.71%.
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 | 86 | 6.8% |
| Analysts Target Price | 82.5 | 2.5% |
| ValueRay Target Price | 93.7 | 16.3% |
Last update: 2025-08-21 11:30
PFG Fundamental Data Overview
CCE Cash And Equivalents = 3.66b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.871
P/E Forward = 9.9206
P/S = 1.159
P/B = 1.5362
P/EG = 1.5
Beta = 0.996
Revenue TTM = 15.13b USD
EBIT TTM = 1.75b USD
EBITDA TTM = -180.5m USD
Long Term Debt = 3.92b USD (from longTermDebt, last quarter)
Short Term Debt = 24.1m USD (from shortTermDebt, last quarter)
Debt = 3.95b USD (Calculated: Short Term 24.1m + Long Term 3.92b)
Net Debt = 288.1m USD (from netDebt column, last quarter)
Enterprise Value = 17.82b USD (17.54b + Debt 3.95b - CCE 3.66b)
Interest Coverage Ratio = 40.92 (Ebit TTM 1.75b / Interest Expense TTM 42.7m)
FCF Yield = 24.14% (FCF TTM 4.30b / Enterprise Value 17.82b)
FCF Margin = 28.44% (FCF TTM 4.30b / Revenue TTM 15.13b)
Net Margin = 7.53% (Net Income TTM 1.14b / Revenue TTM 15.13b)
Gross Margin = 45.11% ((Revenue TTM 15.13b - Cost of Revenue TTM 8.31b) / Revenue TTM)
Tobins Q-Ratio = 1.62 (Enterprise Value 17.82b / Book Value Of Equity 10.98b)
Interest Expense / Debt = 1.08% (Interest Expense 42.7m / Debt 3.95b)
Taxrate = 15.44% (from yearly Income Tax Expense: 291.7m / 1.89b)
NOPAT = 1.48b (EBIT 1.75b * (1 - 15.44%))
Current Ratio = 309.1 (Total Current Assets 7.45b / Total Current Liabilities 24.1m)
Debt / Equity = 0.35 (Debt 3.95b / last Quarter total Stockholder Equity 11.42b)
Debt / EBITDA = -21.87 (Net Debt 288.1m / EBITDA -180.5m)
Debt / FCF = 0.92 (Debt 3.95b / FCF TTM 4.30b)
Total Stockholder Equity = 11.24b (last 4 quarters mean)
RoA = 0.35% (Net Income 1.14b, Total Assets 323.10b )
RoE = 10.14% (Net Income TTM 1.14b / Total Stockholder Equity 11.24b)
RoCE = 11.52% (Ebit 1.75b / (Equity 11.24b + L.T.Debt 3.92b))
RoIC = 9.64% (NOPAT 1.48b / Invested Capital 15.33b)
WACC = 8.10% (E(17.54b)/V(21.48b) * Re(9.72%)) + (D(3.95b)/V(21.48b) * Rd(1.08%) * (1-Tc(0.15)))
Shares Correlation 5-Years: -100.0 | Cagr: -4.15%
Discount Rate = 9.72% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 75.33% ; FCFE base≈4.15b ; Y1≈4.87b ; Y5≈7.38b
Fair Price DCF = 423.9 (DCF Value 94.43b / Shares Outstanding 222.8m; 5y FCF grow 18.32% → 3.0% )
Revenue Correlation: 12.72 | Revenue CAGR: -8.06%
Rev Growth-of-Growth: -3.93
EPS Correlation: -0.72 | EPS CAGR: -32.21%
EPS Growth-of-Growth: 5.01
Additional Sources for PFG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle