PFG
NEUTRAL
$93.98
Live
Principal Financial Group, Inc. · NASDAQ
Target $93.83
(-0.2%)
$69.8
52W Range
$97.88
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 17, 2026
Market cap
$20.38B
P/E
17.9
ROE
10.5%
Profit margin
7.6%
Debt/Equity
0.35
Dividend yield
3.33%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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%
Low Forward P/E (9.23) suggesting expected earnings recovery
Stable Piotroski F-Score (4/9) indicating baseline financial health
Key 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)
Very low technical trend score (10/100) indicating bearish momentum
Low Quick Ratio (0.34) suggesting potential short-term liquidity constraints
AI Fair Value Estimate
Based on comprehensive analysis
$80.36
-14.5% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
53
Moderate
35
20
85
55
70
AI Verdict
Overvalued with deteriorating growth
Key drivers: Earnings collapse, Price-to-Intrinsic gap, Strong historical price action, Low leverage
Confidence
90%
Value
35/100
Ref P/E 17.90, Graham Number $80.36, Intrinsic Value $36.75
Positives
- Forward P/E is attractive
Watchpoints
- Price exceeds Graham Number
- Price is 155% above growth-based intrinsic value
Future
20/100
Ref Revenue Growth -3.70%, Earnings Growth -40.90%
Positives
- Analysts maintain a hold rating
Watchpoints
- Negative YoY Revenue growth
- Sharp decline in quarterly earnings
Past
85/100
Ref Price Performance Snapshot
Positives
- Strong 5Y (+77.8%) and 1Y (+36.3%) returns
Watchpoints
- Recent earnings misses (1/4 beats in last 4 quarters)
Health
55/100
Ref Piotroski F-Score 4/9, Debt/Equity 0.35
Positives
- Low Debt/Equity
- Stable Piotroski score
Watchpoints
- Low Quick Ratio
- Piotroski score is only mid-range (4/9)
Dividend
70/100
Ref Yield 3.33%, Payout 58.67%
Positives
- Consistent yield of 3.33%
- Manageable payout ratio
Watchpoints
- Dividend strength score is only 50/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$93.98
Analyst Target
$93.83
Upside/Downside
-0.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PFG and closest competitors.
Updated 2026-04-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PFG
Principal Financial Group, Inc.
Primary
|
+77.8% | +35.9% | +36.3% | +22.1% | +7.1% | +1.8% |
|
FUTU
Futu Holdings Limited
Peer
|
+7.0% | +230.8% | +93.6% | -10.8% | +1.1% | +10.8% |
|
BCH
Banco de Chile
Peer
|
+195.7% | +165.5% | +92.4% | +56.3% | +13.2% | +7.7% |
|
BSAC
Banco Santander-Chile
Peer
|
+126.8% | +172.0% | +92.5% | +54.5% | +15.5% | +8.6% |
|
CINF
Cincinnati Financial Corporation
Peer
|
+73.4% | +55.3% | +29.4% | -2.2% | -1.3% | +1.8% |
PFG
Principal Financial Group, Inc.
Primary
5Y
+77.8%
3Y
+35.9%
1Y
+36.3%
6M
+22.1%
1M
+7.1%
1W
+1.8%
FUT
Futu Holdings Limited
Peer
5Y
+7.0%
3Y
+230.8%
1Y
+93.6%
6M
-10.8%
1M
+1.1%
1W
+10.8%
BCH
Banco de Chile
Peer
5Y
+195.7%
3Y
+165.5%
1Y
+92.4%
6M
+56.3%
1M
+13.2%
1W
+7.7%
BSA
Banco Santander-Chile
Peer
5Y
+126.8%
3Y
+172.0%
1Y
+92.5%
6M
+54.5%
1M
+15.5%
1W
+8.6%
CIN
Cincinnati Financial Corporation
Peer
5Y
+73.4%
3Y
+55.3%
1Y
+29.4%
6M
-2.2%
1M
-1.3%
1W
+1.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
17.9
Forward P/E
9.23
PEG Ratio
1.06
P/B Ratio
1.72
P/S Ratio
1.3
EV/Revenue
1.25
EV/EBITDA
11.28
Market Cap
$20.38B
Profitability
Profit margins and return metrics
Profit Margin
7.58%
Operating Margin
14.11%
Gross Margin
44.24%
ROE
10.52%
ROA
0.28%
Growth
Revenue and earnings growth rates
Revenue Growth
-3.7%
Earnings Growth
-40.9%
Q/Q Revenue Growth
-3.69%
Q/Q Earnings Growth
-42.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.35
Low debt
Current Ratio
1.51
Good
Quick Ratio
0.34
Poor
Cash/Share
$26.25
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$4.6B
Net Margin
11.3%
Total Assets
$341.4B
Liabilities
$329.0B
Equity
$11.9B
Debt/Equity
27.68x
Operating CF
$1.7B
CapEx
$-0.0B
Free Cash Flow
$1.7B
FCF Yield
98%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-02-09
$2.19
-1.6% surprise
2025-10-27
$2.1
-4.5% surprise
2025-07-28
$2.16
+9.6% surprise
Financial Services Sector Comparison
Comparing PFG against 484 companies in the Financial Services sector
(87 bullish, 202 neutral, 195 bearish)
P/E Ratio
17.9
This Stock
vs
46.02
Sector Avg
-61.1%
(Discount)
Return on Equity (ROE)
10.52%
This Stock
vs
0.23%
Sector Avg
+4500.6%
(Excellent)
Profit Margin
7.58%
This Stock
vs
50.44%
Sector Avg
-85.0%
(Weaker)
Debt to Equity
0.35
This Stock
vs
1.37
Sector Avg
-74.6%
(Less Debt)
Revenue Growth
-3.7%
This Stock
vs
37.35%
Sector Avg
-109.9%
(Slower)
Current Ratio
1.51
This Stock
vs
3.28
Sector Avg
-53.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PFG
Principal Financial Group, Inc.
|
NEUTRAL | $20.38B | 17.9 | 10.5% | 7.6% | $93.98 | |
|
FUTU
Futu Holdings Limited
|
BULLISH | $21.62B | 15.36 | 33.1% | 53.8% | $155.27 | Compare |
|
BCH
Banco de Chile
|
BEARISH | $21.82B | 15.0 | 20.9% | 45.1% | $43.2 | Compare |
|
BSAC
Banco Santander-Chile
|
NEUTRAL | $17.04B | 14.19 | 23.2% | 45.7% | $36.18 | Compare |
|
CINF
Cincinnati Financial Corporation
|
BULLISH | $24.94B | 10.56 | 16.0% | 18.9% | $160.18 | Compare |
PFG
Principal...
NEUTRAL
Mkt Cap
$20.4B
P/E
17.9
ROE
10.5%
Price
$93.98
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-27 | PICKERELL BLAIR CHILTON | Director | Stock Award | 340 | - |
| 2026-03-27 | AUERBACH JONATHAN | Director | Stock Award | 203 | - |
| 2026-03-27 | RIVERA ALFREDO | Director | Stock Award | 144 | - |
| 2026-03-27 | FRIEDRICH AMY CHRISTINE | Officer | Stock Award | 707 | - |
| 2026-03-27 | STRABLE-SOETHOUT DEANNA D | Chief Executive Officer | Stock Award | 732 | - |
| 2026-03-27 | MITCHELL H ELIZABETH | Director | Stock Award | 100 | - |
| 2026-03-27 | NORDIN DIANE C | Director | Stock Award | 264 | - |
| 2026-03-27 | LITTLEFIELD CHRISTOPHER J. | Officer | Stock Award | 660 | - |
| 2026-03-27 | HOCHSCHILD ROGER C | Director | Stock Award | 355 | - |
| 2026-03-27 | CARTER-MILLER JOCELYN E. CPA | Director | Stock Award | 805 | - |
| 2026-03-27 | RICHER CLARE STACK | Director | Stock Award | 174 | - |
| 2026-03-27 | MILLS SCOTT M | Director | Stock Award | 307 | - |
| 2026-03-27 | AGRAWAL VIVEK | Officer | Stock Award | 278 | - |
| 2026-03-27 | BHATIA KAMAL | Officer | Stock Award | 509 | - |
| 2026-03-27 | PITZ JOEL | Chief Financial Officer | Stock Award | 281 | - |
PICKERELL BLAIR CHILTON
Director
2026-03-27
340 shares
AUERBACH JONATHAN
Director
2026-03-27
203 shares
RIVERA ALFREDO
Director
2026-03-27
144 shares
FRIEDRICH AMY CHRISTINE
Officer
2026-03-27
707 shares
STRABLE-SOETHOUT DEANNA D
Chief Executive Officer
2026-03-27
732 shares
MITCHELL H ELIZABETH
Director
2026-03-27
100 shares
NORDIN DIANE C
Director
2026-03-27
264 shares
LITTLEFIELD CHRISTOPHER J.
Officer
2026-03-27
660 shares
HOCHSCHILD ROGER C
Director
2026-03-27
355 shares
CARTER-MILLER JOCELYN E. CPA
Director
2026-03-27
805 shares
RICHER CLARE STACK
Director
2026-03-27
174 shares
MILLS SCOTT M
Director
2026-03-27
307 shares
AGRAWAL VIVEK
Officer
2026-03-27
278 shares
BHATIA KAMAL
Officer
2026-03-27
509 shares
PITZ JOEL
Chief Financial Officer
2026-03-27
281 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
8-K
10-Q
8-K
8-K
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
12 analysts
B of A Securities
2026-04-14
Neutral
Neutral
Wells Fargo
2026-04-10
Equal-Weight
Equal-Weight
UBS
2026-04-09
Neutral
Neutral
Barclays
2026-04-08
Underweight
Underweight
Morgan Stanley
2026-03-03
Equal-Weight
Equal-Weight
Wells Fargo
2026-02-25
Underweight
Equal-Weight
B of A Securities
2026-02-10
Neutral
Neutral
Wells Fargo
2026-01-13
Underweight
Underweight
UBS
2026-01-08
Neutral
Neutral
JP Morgan
2026-01-05
Overweight
Neutral
Past News Coverage
Recent headlines mentioning PFG from our newsroom.
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No matching news yet.