Overview Dividends

(PFG) Principal Financial - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US74251V1026

Retirement Plans, Asset Management, Insurance

PFG EPS (Earnings per Share)

EPS (Earnings per Share) of PFG over the last years for every Quarter: "2020-09": 0.85, "2020-12": 1.48, "2021-03": 1.53, "2021-06": 1.7, "2021-09": 1.69, "2021-12": 1.85, "2022-03": 1.63, "2022-06": 1.65, "2022-09": 1.69, "2022-12": 1.7, "2023-03": 1.48, "2023-06": 1.53, "2023-09": 1.72, "2023-12": 1.83, "2024-03": 1.65, "2024-06": 1.63, "2024-09": 1.76, "2024-12": 1.94, "2025-03": 1.81, "2025-06": 2.16, "2025-09": 2.1,
EPS Growth (3Y CAGR): 7.99%
EPS Trend (3Y Correlation): 80.6%

PFG Revenue

Revenue of PFG over the last years for every Quarter: 2020-09: 3310.7, 2020-12: 3765.1, 2021-03: 3208.5, 2021-06: 3539.4, 2021-09: 3423.7, 2021-12: 4091.1, 2022-03: 3095.5, 2022-06: 6664.5, 2022-09: 4625.3, 2022-12: 3122, 2023-03: 2819, 2023-06: 3557.3, 2023-09: 4598.7, 2023-12: 2690.8, 2024-03: 4053.3, 2024-06: 4310.8, 2024-09: 3011.6, 2024-12: 4752, 2025-03: 3695.9, 2025-06: 3671.3, 2025-09: 2661.5,
Revenue Growth (3Y CAGR): -5.64%
Revenue Trend (3Y Correlation): 8.9%

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.

PFG Stock Overview

Market Cap in USD 18,028m
Sub-Industry Life & Health Insurance
IPO / Inception 2001-10-23

PFG Stock Ratings

Growth Rating 9.81%
Fundamental 62.4%
Dividend Rating 68.6%
Return 12m vs S&P 500 -12.3%
Analyst Rating 2.92 of 5

PFG Dividends

Dividend Yield 12m 3.64%
Yield on Cost 5y 7.61%
Annual Growth 5y 6.21%
Payout Consistency 97.8%
Payout Ratio 38.5%

PFG Growth Ratios

Growth Correlation 3m 47.3%
Growth Correlation 12m -1.4%
Growth Correlation 5y 83.8%
CAGR 5y -1.02%
CAGR/Max DD 3y (Calmar Ratio) -0.03
CAGR/Mean DD 3y (Pain Ratio) -0.08
Sharpe Ratio 12m 0.85
Alpha -12.17
Beta 0.895
Volatility 22.49%
Current Volume 1368.1k
Average Volume 20d 1145.4k
Stop Loss 80.3 (-3.1%)
Signal -0.46

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (1.57b TTM) > 0 and > 6% of Revenue (6% = 886.8m TTM)
FCFTA 0.01 (>2.0%) and ΔFCFTA 0.07pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 60.19% (prev -92.05%; Δ 152.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.01 (>3.0%) and CFO 4.38b > Net Income 1.57b (YES >=105%, WARN >=100%)
Net Debt (-1.19b) to EBITDA (1.77b) ratio: -0.67 <= 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 43.33% (prev 35.90%; Δ 7.43pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 4.50% (prev 4.36%; Δ 0.14pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 1.68 (EBITDA TTM 1.77b / 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 12.43b / 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) 62.35

1. Piotroski 3.50pt = -1.50
2. FCF Yield 25.57% = 5.0
3. FCF Margin 29.11% = 7.28
4. Debt/Equity 0.34 = 2.44
5. Debt/Ebitda -0.67 = 2.50
6. ROIC - WACC (= -7.39)% = -9.23
7. RoE 13.87% = 1.16
8. Rev. Trend 8.91% = 0.67
9. EPS Trend 80.64% = 4.03

What is the price of PFG shares?

As of November 09, 2025, the stock is trading at USD 82.86 with a total of 1,368,125 shares traded.
Over the past week, the price has changed by -1.40%, over one month by -0.85%, over three months by +10.68% and over the past year by -0.01%.

Is Principal Financial a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Principal Financial is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 62.35 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PFG is around 77.15 USD . This means that PFG is currently overvalued and has a potential downside of -6.89%.

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 88.8 7.1%
Analysts Target Price 88.8 7.1%
ValueRay Target Price 85.5 3.2%

PFG Fundamental Data Overview November 06, 2025

Market Cap USD = 18.03b (18.03b USD * 1.0 USD.USD)
P/E Trailing = 12.0323
P/E Forward = 9.1158
P/S = 1.141
P/B = 1.6443
P/EG = 1.5
Beta = 0.895
Revenue TTM = 14.78b USD
EBIT TTM = 71.6m USD
EBITDA TTM = 1.77b USD
Long Term Debt = 3.96b USD (from longTermDebt, last fiscal year)
Short Term Debt = 13.0m USD (from shortTermDebt, last quarter)
Debt = 3.94b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.19b USD (from netDebt column, last quarter)
Enterprise Value = 16.83b USD (18.03b + Debt 3.94b - CCE 5.14b)
Interest Coverage Ratio = 1.68 (Ebit TTM 71.6m / Interest Expense TTM 42.7m)
FCF Yield = 25.57% (FCF TTM 4.30b / Enterprise Value 16.83b)
FCF Margin = 29.11% (FCF TTM 4.30b / Revenue TTM 14.78b)
Net Margin = 10.65% (Net Income TTM 1.57b / Revenue TTM 14.78b)
Gross Margin = 43.33% ((Revenue TTM 14.78b - Cost of Revenue TTM 8.38b) / Revenue TTM)
Gross Margin QoQ = 23.91% (prev 49.61%)
Tobins Q-Ratio = 0.05 (Enterprise Value 16.83b / 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 = -0.67 (Net Debt -1.19b / EBITDA 1.77b)
Debt / FCF = -0.28 (Net Debt -1.19b / FCF TTM 4.30b)
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 3.96b))
RoIC = 0.44% (NOPAT 67.4m / Invested Capital 15.37b)
WACC = 7.82% (E(18.03b)/V(21.97b) * Re(9.31%) + D(3.94b)/V(21.97b) * Rd(1.08%) * (1-Tc(0.06)))
Discount Rate = 9.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.12%
[DCF Debug] Terminal Value 76.61% ; FCFE base≈4.15b ; Y1≈4.87b ; Y5≈7.38b
Fair Price DCF = 458.6 (DCF Value 100.75b / Shares Outstanding 219.7m; 5y FCF grow 18.32% → 3.0% )
EPS Correlation: 80.64 | EPS CAGR: 7.99% | SUE: -0.44 | # QB: 0
Revenue Correlation: 8.91 | Revenue CAGR: -5.64% | SUE: -2.31 | # QB: 0

Additional Sources for PFG Stock

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