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PFG vs V

PFG
Principal Financial Group, Inc.
NEUTRAL
Price
$93.98
Market Cap
$20.38B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
PFG
17.9
V
28.35
Forward P/E
PFG
9.23
V
20.79
P/B Ratio
PFG
1.72
V
15.09
P/S Ratio
PFG
1.3
V
14.08
EV/EBITDA
PFG
11.28
V
20.06

Profitability

Gross Margin
PFG
44.24%
V
97.78%
Operating Margin
PFG
14.11%
V
68.3%
Profit Margin
PFG
7.58%
V
50.23%
ROE
PFG
10.52%
V
53.95%
ROA
PFG
0.28%
V
18.36%

Growth

Revenue Growth
PFG
-3.7%
V
14.6%
Earnings Growth
PFG
-40.9%
V
17.4%

Financial Health

Debt/Equity
PFG
0.35
V
0.55
Current Ratio
PFG
1.51
V
1.11
Quick Ratio
PFG
0.34
V
0.72

Dividends

Dividend Yield
PFG
3.33%
V
0.89%
Payout Ratio
PFG
58.67%
V
22.91%

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)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

PFG vs V: Head-to-Head Comparison

This page compares Principal Financial Group, Inc. (PFG) and Visa Inc. (V) 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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