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PFG vs TROW

PFG
Principal Financial Group, Inc.
NEUTRAL
Price
$93.98
Market Cap
$20.38B
Sector
Financial Services
AI Confidence
85%
TROW
T. Rowe Price Group, Inc.
NEUTRAL
Price
$98.10
Market Cap
$21.39B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
PFG
17.9
TROW
10.62
Forward P/E
PFG
9.23
TROW
10.26
P/B Ratio
PFG
1.72
TROW
1.97
P/S Ratio
PFG
1.3
TROW
2.92
EV/EBITDA
PFG
11.28
TROW
6.92

Profitability

Gross Margin
PFG
44.24%
TROW
51.27%
Operating Margin
PFG
14.11%
TROW
32.22%
Profit Margin
PFG
7.58%
TROW
28.53%
ROE
PFG
10.52%
TROW
18.79%
ROA
PFG
0.28%
TROW
10.65%

Growth

Revenue Growth
PFG
-3.7%
TROW
6.0%
Earnings Growth
PFG
-40.9%
TROW
3.6%

Financial Health

Debt/Equity
PFG
0.35
TROW
0.04
Current Ratio
PFG
1.51
TROW
6.23
Quick Ratio
PFG
0.34
TROW
6.23

Dividends

Dividend Yield
PFG
3.33%
TROW
5.3%
Payout Ratio
PFG
58.67%
TROW
54.98%

AI Verdict

PFG NEUTRAL

PFG presents a contradictory profile where strong price performance masks deteriorating fundamentals. The company maintains a stable health profile with a Piotroski F-Score of 4/9 and low debt, but it is currently trading at a significant premium to its Intrinsic Value ($36.75) and Graham Number ($80.36). Severe contractions in YoY earnings (-40.90%) and revenue (-3.70%) are major concerns, though a low Forward P/E of 9.23 suggests analysts expect a recovery. The stock is currently priced near its 52-week high despite these fundamental headwinds.

Strengths
Low Debt/Equity ratio of 0.35 indicating strong solvency
Sustainable dividend payout ratio of 58.67%
Strong 1-year price appreciation of 36.3%
Risks
Severe YoY earnings decline of 40.90%
Negative revenue growth both YoY (-3.70%) and Q/Q (-3.69%)
Current price ($93.98) is significantly above the growth-based intrinsic value ($36.75)
TROW NEUTRAL

TROW presents as a classic value play with a stable Piotroski F-Score of 6/9 and an exceptionally strong balance sheet characterized by a Debt/Equity ratio of 0.04. The stock is currently trading at a discount to both its Graham Number ($101.64) and Intrinsic Value ($114.58), supported by a robust 5.3% dividend yield. However, the investment case is hampered by stagnant growth, evidenced by a very high PEG ratio of 12.03 and a bearish technical trend. The disconnect between strong solvency and poor growth momentum suggests a potential value trap, further reinforced by an analyst target price below the current market value.

Strengths
Exceptional solvency with a Debt/Equity ratio of 0.04
High liquidity indicated by a Current Ratio of 6.23
Attractive and sustainable dividend yield of 5.3% (54.98% payout)
Risks
Severe growth deficiency indicated by a PEG ratio of 12.03
Bearish technical trend (0/100 score)
Analyst target price ($94.25) is lower than the current price ($98.10)

Compare Another Pair

PFG vs TROW: Head-to-Head Comparison

This page compares Principal Financial Group, Inc. (PFG) and T. Rowe Price Group, Inc. (TROW) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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