PRINCIPAL FINANCIAL GROUP (PFG) Fundamental Analysis & Valuation

NASDAQ:PFG • US74251V1026

Current stock price

90.1 USD
+0.02 (+0.02%)
At close:
90.1 USD
0 (0%)
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This PFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PFG Profitability Analysis

1.1 Basic Checks

  • PFG had positive earnings in the past year.
  • PFG had a positive operating cash flow in the past year.
  • PFG had positive earnings in each of the past 5 years.
  • In the past 5 years PFG always reported a positive cash flow from operatings.
PFG Yearly Net Income VS EBIT VS OCF VS FCFPFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • The Return On Assets of PFG (0.35%) is worse than 75.51% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.97%, PFG is in line with its industry, outperforming 46.94% of the companies in the same industry.
  • PFG's Return On Invested Capital of 0.47% is on the low side compared to the rest of the industry. PFG is outperformed by 68.03% of its industry peers.
  • PFG had an Average Return On Invested Capital over the past 3 years of 0.47%. This is significantly below the industry average of 9.36%.
  • The 3 year average ROIC (0.47%) for PFG is below the current ROIC(0.47%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.35%
ROE 9.97%
ROIC 0.47%
ROA(3y)0.35%
ROA(5y)0.64%
ROE(3y)9.95%
ROE(5y)17.47%
ROIC(3y)0.47%
ROIC(5y)0.54%
PFG Yearly ROA, ROE, ROICPFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

1.3 Margins

  • The Profit Margin of PFG (7.40%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of PFG has declined.
  • PFG's Operating Margin of 11.62% is in line compared to the rest of the industry. PFG outperforms 46.94% of its industry peers.
  • In the last couple of years the Operating Margin of PFG has remained more or less at the same level.
Industry RankSector Rank
OM 11.62%
PM (TTM) 7.4%
GM N/A
OM growth 3Y-13.18%
OM growth 5Y0.24%
PM growth 3Y-40.06%
PM growth 5Y-4.8%
GM growth 3YN/A
GM growth 5YN/A
PFG Yearly Profit, Operating, Gross MarginsPFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. PFG Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PFG is destroying value.
  • PFG has less shares outstanding than it did 1 year ago.
  • PFG has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PFG has been reduced compared to a year ago.
PFG Yearly Shares OutstandingPFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
PFG Yearly Total Debt VS Total AssetsPFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

2.2 Solvency

  • PFG has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.89, PFG is in the better half of the industry, outperforming 67.35% of the companies in the same industry.
  • A Debt/Equity ratio of 0.33 indicates that PFG is not too dependend on debt financing.
  • PFG's Debt to Equity ratio of 0.33 is in line compared to the rest of the industry. PFG outperforms 48.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 0.89
Altman-Z N/A
ROIC/WACC0.06
WACC8.05%
PFG Yearly LT Debt VS Equity VS FCFPFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PFG Yearly Current Assets VS Current LiabilitesPFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. PFG Growth Analysis

3.1 Past

  • PFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.34%, which is quite good.
  • The Earnings Per Share has been growing by 10.83% on average over the past years. This is quite good.
  • PFG shows a small growth in Revenue. In the last year, the Revenue has grown by 2.08%.
  • The Revenue has been growing slightly by 1.66% on average over the past years.
EPS 1Y (TTM)18.34%
EPS 3Y7.39%
EPS 5Y10.83%
EPS Q2Q%12.89%
Revenue 1Y (TTM)2.08%
Revenue growth 3Y4.97%
Revenue growth 5Y1.66%
Sales Q2Q%13.26%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.85% on average over the next years. This is quite good.
  • Based on estimates for the next years, PFG will show a small growth in Revenue. The Revenue will grow by 6.61% on average per year.
EPS Next Y14.94%
EPS Next 2Y12.15%
EPS Next 3Y10.86%
EPS Next 5Y11.85%
Revenue Next Year7.93%
Revenue Next 2Y6.5%
Revenue Next 3Y-4.69%
Revenue Next 5Y6.61%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PFG Yearly Revenue VS EstimatesPFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
PFG Yearly EPS VS EstimatesPFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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6

4. PFG Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.91, the valuation of PFG can be described as reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as PFG.
  • PFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • With a Price/Forward Earnings ratio of 9.49, the valuation of PFG can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PFG is on the same level as its industry peers.
  • PFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 10.91
Fwd PE 9.49
PFG Price Earnings VS Forward Price EarningsPFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • PFG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PFG is cheaper than 60.54% of the companies in the same industry.
  • PFG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PFG is cheaper than 69.39% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.4
EV/EBITDA 7.34
PFG Per share dataPFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • PFG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.73
PEG (5Y)1.01
EPS Next 2Y12.15%
EPS Next 3Y10.86%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. PFG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.60%, PFG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.50, PFG pays a bit more dividend than its industry peers.
  • PFG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 3.6%

5.2 History

  • On average, the dividend of PFG grows each year by 6.65%, which is quite nice.
  • PFG has paid a dividend for at least 10 years, which is a reliable track record.
  • PFG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.65%
Div Incr Years16
Div Non Decr Years16
PFG Yearly Dividends per sharePFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 57.72% of the earnings are spent on dividend by PFG. This is a bit on the high side, but may be sustainable.
  • PFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP57.72%
EPS Next 2Y12.15%
EPS Next 3Y10.86%
PFG Yearly Income VS Free CF VS DividendPFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
PFG Dividend Payout.PFG Dividend Payout, showing the Payout Ratio.PFG Dividend Payout.PayoutRetained Earnings

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PFG Fundamentals: All Metrics, Ratios and Statistics

PRINCIPAL FINANCIAL GROUP

NASDAQ:PFG (4/2/2026, 8:00:01 PM)

After market: 90.1 0 (0%)

90.1

+0.02 (+0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-09
Earnings (Next)04-23
Inst Owners75.61%
Inst Owner Change-1.94%
Ins Owners0.78%
Ins Owner Change3.07%
Market Cap19.54B
Revenue(TTM)16.01B
Net Income(TTM)1.19B
Analysts55
Price Target96.14 (6.7%)
Short Float %3.39%
Short Ratio3.88
Dividend
Industry RankSector Rank
Dividend Yield 3.6%
Yearly Dividend3.08
Dividend Growth(5Y)6.65%
DP57.72%
Div Incr Years16
Div Non Decr Years16
Ex-Date03-11
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.96%
Min EPS beat(2)-5.38%
Max EPS beat(2)-2.54%
EPS beat(4)1
Avg EPS beat(4)-0.35%
Min EPS beat(4)-5.38%
Max EPS beat(4)8.39%
EPS beat(8)1
Avg EPS beat(8)-4.22%
EPS beat(12)3
Avg EPS beat(12)-2.7%
EPS beat(16)7
Avg EPS beat(16)0.89%
Revenue beat(2)1
Avg Revenue beat(2)3.29%
Min Revenue beat(2)-3.75%
Max Revenue beat(2)10.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.96%
Min Revenue beat(4)-9.94%
Max Revenue beat(4)10.32%
Revenue beat(8)3
Avg Revenue beat(8)-0.86%
Revenue beat(12)6
Avg Revenue beat(12)1.48%
Revenue beat(16)9
Avg Revenue beat(16)1.75%
PT rev (1m)0.71%
PT rev (3m)5.21%
EPS NQ rev (1m)-0.84%
EPS NQ rev (3m)-0.72%
EPS NY rev (1m)0.39%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-1.28%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-0.5%
Valuation
Industry RankSector Rank
PE 10.91
Fwd PE 9.49
P/S 1.22
P/FCF 4.4
P/OCF 4.31
P/B 1.64
P/tB 2.17
EV/EBITDA 7.34
EPS(TTM)8.26
EY9.17%
EPS(NY)9.49
Fwd EY10.54%
FCF(TTM)20.47
FCFY22.72%
OCF(TTM)20.92
OCFY23.22%
SpS73.82
BVpS54.8
TBVpS41.58
PEG (NY)0.73
PEG (5Y)1.01
Graham Number100.92
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 9.97%
ROCE 0.55%
ROIC 0.47%
ROICexc 0.48%
ROICexgc 1.35%
OM 11.62%
PM (TTM) 7.4%
GM N/A
FCFM 27.73%
ROA(3y)0.35%
ROA(5y)0.64%
ROE(3y)9.95%
ROE(5y)17.47%
ROIC(3y)0.47%
ROIC(5y)0.54%
ROICexc(3y)0.48%
ROICexc(5y)0.55%
ROICexgc(3y)1.33%
ROICexgc(5y)1.51%
ROCE(3y)0.54%
ROCE(5y)0.63%
ROICexgc growth 3Y-13.05%
ROICexgc growth 5Y0.61%
ROICexc growth 3Y-13.72%
ROICexc growth 5Y-0.86%
OM growth 3Y-13.18%
OM growth 5Y0.24%
PM growth 3Y-40.06%
PM growth 5Y-4.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 0.89
Debt/EBITDA 1.53
Cap/Depr 13.39%
Cap/Sales 0.61%
Interest Coverage 10.78
Cash Conversion 175.02%
Profit Quality 374.54%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.05%
ROIC/WACC0.06
Cap/Depr(3y)12.65%
Cap/Depr(5y)15.22%
Cap/Sales(3y)0.58%
Cap/Sales(5y)0.7%
Profit Quality(3y)418.44%
Profit Quality(5y)303.01%
High Growth Momentum
Growth
EPS 1Y (TTM)18.34%
EPS 3Y7.39%
EPS 5Y10.83%
EPS Q2Q%12.89%
EPS Next Y14.94%
EPS Next 2Y12.15%
EPS Next 3Y10.86%
EPS Next 5Y11.85%
Revenue 1Y (TTM)2.08%
Revenue growth 3Y4.97%
Revenue growth 5Y1.66%
Sales Q2Q%13.26%
Revenue Next Year7.93%
Revenue Next 2Y6.5%
Revenue Next 3Y-4.69%
Revenue Next 5Y6.61%
EBIT growth 1Y26.33%
EBIT growth 3Y-8.87%
EBIT growth 5Y1.9%
EBIT Next Year11.6%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-2.1%
FCF growth 3Y13.24%
FCF growth 5Y4.11%
OCF growth 1Y-1.44%
OCF growth 3Y12.66%
OCF growth 5Y3.95%

PRINCIPAL FINANCIAL GROUP / PFG Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PRINCIPAL FINANCIAL GROUP?

ChartMill assigns a fundamental rating of 5 / 10 to PFG.


What is the valuation status for PFG stock?

ChartMill assigns a valuation rating of 6 / 10 to PRINCIPAL FINANCIAL GROUP (PFG). This can be considered as Fairly Valued.


How profitable is PRINCIPAL FINANCIAL GROUP (PFG) stock?

PRINCIPAL FINANCIAL GROUP (PFG) has a profitability rating of 4 / 10.


How financially healthy is PRINCIPAL FINANCIAL GROUP?

The financial health rating of PRINCIPAL FINANCIAL GROUP (PFG) is 4 / 10.


What is the earnings growth outlook for PRINCIPAL FINANCIAL GROUP?

The Earnings per Share (EPS) of PRINCIPAL FINANCIAL GROUP (PFG) is expected to grow by 14.94% in the next year.