(PFG) Principal Financial - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US74251V1026
Stock: Retirement Plans, Asset Management, Life Insurance, Disability Insurance
Total Rating 31
Risk 58
Buy Signal -0.53
| Risk 5d forecast | |
|---|---|
| Volatility | 24.0% |
| Relative Tail Risk | -4.45% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.28 |
| Alpha | -13.47 |
| Character TTM | |
|---|---|
| Beta | 1.118 |
| Beta Downside | 1.685 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.43% |
| CAGR/Max DD | 0.44 |
EPS (Earnings per Share)
Revenue
Description: PFG Principal Financial February 26, 2026
Principal Financial Group (NASDAQ: PFG) operates three core segments: Retirement and Income Solutions, which delivers 401(k), 403(b), IRA, pension risk transfer and annuity products; Principal Asset Management, offering equity, fixed-income, real-estate and alternative investment funds plus pension accumulation vehicles; and Benefits and Protection, providing group dental, vision, life and disability insurance for small- and mid-size businesses and their employees.
In its most recent fiscal year (2025), PFG reported revenue of $13.2 billion, net income of $1.1 billion, and an ROE of 10.5%, while assets under management grew to roughly $1.2 trillion, supporting a dividend yield near 2.9%. The company’s performance is being driven by demographic trends-an aging U.S. population boosting demand for retirement and annuity solutions-and a prolonged low-interest-rate environment that encourages consumers to seek higher-yielding insurance and investment products.
For a deeper quantitative view, you might explore ValueRay’s analyst tools.
Headlines to watch out for
- Interest rate fluctuations impact investment income and product competitiveness
- Equity market performance drives asset management fees and account values
- Regulatory changes in retirement and insurance sectors create compliance costs
- Economic downturns reduce demand for retirement and insurance products
- Competition from other financial service providers pressures margins
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 1.19b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.15 > 1.0 |
| NWC/Revenue: -8.81% < 20% (prev 72.37%; Δ -81.18% < -1%) |
| CFO/TA 0.01 > 3% & CFO 4.54b > Net Income 1.19b |
| Net Debt (-227.1m) to EBITDA (1.42b): -0.16 < 3 |
| Current Ratio: 0.76 > 1.5 & < 3 |
| Outstanding Shares: last quarter (222.4m) vs 12m ago -3.81% < -2% |
| Gross Margin: 45.19% > 18% (prev 0.46%; Δ 4.47k% > 0.5%) |
| Asset Turnover: 4.77% > 50% (prev 5.14%; Δ -0.37% > 0%) |
| Interest Coverage Ratio: 1.68 > 6 (EBITDA TTM 1.42b / Interest Expense TTM 42.7m) |
Altman Z'' 0.19
| A: -0.00 (Total Current Assets 4.43b - Total Current Liabilities 5.81b) / Total Assets 341.38b |
| B: 0.05 (Retained Earnings 18.07b / Total Assets 341.38b) |
| C: 0.00 (EBIT TTM 71.6m / Avg Total Assets 327.52b) |
| D: 0.04 (Book Value of Equity 13.89b / Total Liabilities 328.99b) |
| Altman-Z'' Score: 0.19 = B |
Beneish M -3.68
| DSRI: 0.17 (Receivables 3.89b/23.26b, Revenue 15.63b/16.13b) |
| GMI: 1.01 (GM 45.19% / 45.59%) |
| AQI: 1.09 (AQ_t 0.98 / AQ_t-1 0.90) |
| SGI: 0.97 (Revenue 15.63b / 16.13b) |
| TATA: -0.01 (NI 1.19b - CFO 4.54b) / TA 341.38b) |
| Beneish M-Score: -3.68 (Cap -4..+1) = AAA |
What is the price of PFG shares?
As of March 17, 2026, the stock is trading at USD 86.45 with a total of 1,286,420 shares traded.
Over the past week, the price has changed by -3.73%, over one month by -5.17%, over three months by -2.58% and over the past year by +7.05%.
Over the past week, the price has changed by -3.73%, over one month by -5.17%, over three months by -2.58% and over the past year by +7.05%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 94.7 | 9.6% |
| Analysts Target Price | 94.7 | 9.6% |
PFG Fundamental Data Overview March 13, 2026
P/E Trailing = 16.8
P/E Forward = 9.4429
P/S = 1.2401
P/B = 1.6093
P/EG = 1.0624
Revenue TTM = 15.63b USD
EBIT TTM = 71.6m USD
EBITDA TTM = 1.42b USD
Long Term Debt = 2.80m USD (from longTermDebt, last quarter)
Short Term Debt = 442.8m USD (from shortTermDebt, last quarter)
Debt = 4.20b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -227.1m USD (from netDebt column, last quarter)
Enterprise Value = 19.15b USD (19.38b + Debt 4.20b - CCE 4.43b)
Interest Coverage Ratio = 1.68 (Ebit TTM 71.6m / Interest Expense TTM 42.7m)
EV/FCF = 4.31x (Enterprise Value 19.15b / FCF TTM 4.44b)
FCF Yield = 23.18% (FCF TTM 4.44b / Enterprise Value 19.15b)
FCF Margin = 28.41% (FCF TTM 4.44b / Revenue TTM 15.63b)
Net Margin = 7.58% (Net Income TTM 1.19b / Revenue TTM 15.63b)
Gross Margin = 45.19% ((Revenue TTM 15.63b - Cost of Revenue TTM 8.56b) / Revenue TTM)
Gross Margin QoQ = 46.93% (prev 44.89%)
Tobins Q-Ratio = 0.06 (Enterprise Value 19.15b / Total Assets 341.38b)
Interest Expense / Debt = 1.02% (Interest Expense 42.7m / Debt 4.20b)
Taxrate = 17.37% (110.4m / 635.6m)
NOPAT = 59.2m (EBIT 71.6m * (1 - 17.37%))
Current Ratio = 0.76 (Total Current Assets 4.43b / Total Current Liabilities 5.81b)
Debt / Equity = 0.35 (Debt 4.20b / totalStockholderEquity, last quarter 11.88b)
Debt / EBITDA = -0.16 (Net Debt -227.1m / EBITDA 1.42b)
Debt / FCF = -0.05 (Net Debt -227.1m / FCF TTM 4.44b)
Total Stockholder Equity = 11.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.36% (Net Income 1.19b / Total Assets 341.38b)
RoE = 10.26% (Net Income TTM 1.19b / Total Stockholder Equity 11.55b)
RoCE = 0.62% (EBIT 71.6m / Capital Employed (Equity 11.55b + L.T.Debt 2.80m))
RoIC = 0.38% (NOPAT 59.2m / Invested Capital 15.59b)
WACC = 8.40% (E(19.38b)/V(23.58b) * Re(10.04%) + D(4.20b)/V(23.58b) * Rd(1.02%) * (1-Tc(0.17)))
Discount Rate = 10.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.01%
[DCF] Terminal Value 78.42% ; FCFF base≈4.48b ; Y1≈5.06b ; Y5≈6.84b
[DCF] Fair Price = 504.1 (EV 109.09b - Net Debt -227.1m = Equity 109.32b / Shares 216.8m; r=8.40% [WACC]; 5y FCF grow 15.16% → 2.90% )
EPS Correlation: 77.03 | EPS CAGR: 8.85% | SUE: 0.06 | # QB: 0
Revenue Correlation: 1.40 | Revenue CAGR: 10.99% | SUE: -0.24 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.31 | Chg7d=-0.004 | Chg30d=-0.005 | Revisions Net=+0 | Analysts=9
EPS current Year (2026-12-31): EPS=9.40 | Chg7d=-0.012 | Chg30d=+0.018 | Revisions Net=+0 | Growth EPS=+13.6% | Growth Revenue=+5.3%
EPS next Year (2027-12-31): EPS=10.26 | Chg7d=-0.031 | Chg30d=-0.060 | Revisions Net=-1 | Growth EPS=+9.2% | Growth Revenue=+5.1%
[Analyst] Revisions Ratio: +0.00 (3 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 4.1% (Discount Rate 10.0% - Earnings Yield 6.0%)
[Growth] Growth Spread = +6.1% (Analyst 10.2% - Implied 4.1%)
P/E Forward = 9.4429
P/S = 1.2401
P/B = 1.6093
P/EG = 1.0624
Revenue TTM = 15.63b USD
EBIT TTM = 71.6m USD
EBITDA TTM = 1.42b USD
Long Term Debt = 2.80m USD (from longTermDebt, last quarter)
Short Term Debt = 442.8m USD (from shortTermDebt, last quarter)
Debt = 4.20b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -227.1m USD (from netDebt column, last quarter)
Enterprise Value = 19.15b USD (19.38b + Debt 4.20b - CCE 4.43b)
Interest Coverage Ratio = 1.68 (Ebit TTM 71.6m / Interest Expense TTM 42.7m)
EV/FCF = 4.31x (Enterprise Value 19.15b / FCF TTM 4.44b)
FCF Yield = 23.18% (FCF TTM 4.44b / Enterprise Value 19.15b)
FCF Margin = 28.41% (FCF TTM 4.44b / Revenue TTM 15.63b)
Net Margin = 7.58% (Net Income TTM 1.19b / Revenue TTM 15.63b)
Gross Margin = 45.19% ((Revenue TTM 15.63b - Cost of Revenue TTM 8.56b) / Revenue TTM)
Gross Margin QoQ = 46.93% (prev 44.89%)
Tobins Q-Ratio = 0.06 (Enterprise Value 19.15b / Total Assets 341.38b)
Interest Expense / Debt = 1.02% (Interest Expense 42.7m / Debt 4.20b)
Taxrate = 17.37% (110.4m / 635.6m)
NOPAT = 59.2m (EBIT 71.6m * (1 - 17.37%))
Current Ratio = 0.76 (Total Current Assets 4.43b / Total Current Liabilities 5.81b)
Debt / Equity = 0.35 (Debt 4.20b / totalStockholderEquity, last quarter 11.88b)
Debt / EBITDA = -0.16 (Net Debt -227.1m / EBITDA 1.42b)
Debt / FCF = -0.05 (Net Debt -227.1m / FCF TTM 4.44b)
Total Stockholder Equity = 11.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.36% (Net Income 1.19b / Total Assets 341.38b)
RoE = 10.26% (Net Income TTM 1.19b / Total Stockholder Equity 11.55b)
RoCE = 0.62% (EBIT 71.6m / Capital Employed (Equity 11.55b + L.T.Debt 2.80m))
RoIC = 0.38% (NOPAT 59.2m / Invested Capital 15.59b)
WACC = 8.40% (E(19.38b)/V(23.58b) * Re(10.04%) + D(4.20b)/V(23.58b) * Rd(1.02%) * (1-Tc(0.17)))
Discount Rate = 10.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.01%
[DCF] Terminal Value 78.42% ; FCFF base≈4.48b ; Y1≈5.06b ; Y5≈6.84b
[DCF] Fair Price = 504.1 (EV 109.09b - Net Debt -227.1m = Equity 109.32b / Shares 216.8m; r=8.40% [WACC]; 5y FCF grow 15.16% → 2.90% )
EPS Correlation: 77.03 | EPS CAGR: 8.85% | SUE: 0.06 | # QB: 0
Revenue Correlation: 1.40 | Revenue CAGR: 10.99% | SUE: -0.24 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.31 | Chg7d=-0.004 | Chg30d=-0.005 | Revisions Net=+0 | Analysts=9
EPS current Year (2026-12-31): EPS=9.40 | Chg7d=-0.012 | Chg30d=+0.018 | Revisions Net=+0 | Growth EPS=+13.6% | Growth Revenue=+5.3%
EPS next Year (2027-12-31): EPS=10.26 | Chg7d=-0.031 | Chg30d=-0.060 | Revisions Net=-1 | Growth EPS=+9.2% | Growth Revenue=+5.1%
[Analyst] Revisions Ratio: +0.00 (3 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 4.1% (Discount Rate 10.0% - Earnings Yield 6.0%)
[Growth] Growth Spread = +6.1% (Analyst 10.2% - Implied 4.1%)