PRINCIPAL FINANCIAL GROUP (PFG) Fundamental Analysis & Valuation

NASDAQ:PFG • US74251V1026

Current stock price

99.34 USD
+2.34 (+2.41%)
At close:
99.15 USD
-0.19 (-0.19%)
After Hours:

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

  • PFG's Return On Assets of 0.35% is on the low side compared to the rest of the industry. PFG is outperformed by 76.87% of its industry peers.
  • The Return On Equity of PFG (9.97%) is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 0.47%, PFG is doing worse than 67.35% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for PFG is significantly below the industry average of 9.51%.
  • The last Return On Invested Capital (0.47%) for PFG is above the 3 year average (0.47%), which is a sign of increasing profitability.
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

  • Looking at the Profit Margin, with a value of 7.40%, PFG is in line with its industry, outperforming 46.26% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PFG has declined.
  • PFG has a Operating Margin (11.62%) which is comparable to the rest of the industry.
  • PFG's Operating Margin has been stable in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. PFG Health Analysis

2.1 Basic Checks

  • PFG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for PFG has been reduced compared to 1 year ago.
  • Compared to 5 years ago, PFG has less shares outstanding
  • PFG has a better debt/assets ratio than last year.
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.
  • The Debt to FCF ratio of PFG (0.89) is better than 67.35% of its industry peers.
  • A Debt/Equity ratio of 0.33 indicates that PFG is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.33, PFG perfoms like the industry average, outperforming 49.66% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 0.89
Altman-Z N/A
ROIC/WACC0.06
WACC8.1%
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

  • The Earnings Per Share has grown by an nice 19.33% over the past year.
  • The Earnings Per Share has been growing by 10.83% on average over the past years. This is quite good.
  • Looking at the last year, PFG shows a small growth in Revenue. The Revenue has grown by 2.08% in the last year.
  • PFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.66% yearly.
EPS 1Y (TTM)19.33%
EPS 3Y7.39%
EPS 5Y10.83%
EPS Q2Q%14.36%
Revenue 1Y (TTM)2.08%
Revenue growth 3Y4.97%
Revenue growth 5Y1.66%
Sales Q2Q%-12.4%

3.2 Future

  • Based on estimates for the next years, PFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.74% on average per year.
  • PFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.65% yearly.
EPS Next Y14.71%
EPS Next 2Y12.15%
EPS Next 3Y10.98%
EPS Next 5Y11.74%
Revenue Next Year7.7%
Revenue Next 2Y6.32%
Revenue Next 3Y5.84%
Revenue Next 5Y6.65%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

  • PFG is valuated reasonably with a Price/Earnings ratio of 11.66.
  • PFG's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, PFG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.56, which indicates a very decent valuation of PFG.
  • PFG's Price/Forward Earnings ratio is in line with the industry average.
  • PFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.24.
Industry RankSector Rank
PE 11.66
Fwd PE 9.56
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

  • 60.54% of the companies in the same industry are more expensive than PFG, based on the Enterprise Value to EBITDA ratio.
  • 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 4.84
EV/EBITDA 8.1
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)0.79
PEG (5Y)1.08
EPS Next 2Y12.15%
EPS Next 3Y10.98%

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 3.30%, PFG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.37, 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 1.81.
Industry RankSector Rank
Dividend Yield 3.3%

5.2 History

  • The dividend of PFG is nicely growing with an annual growth rate of 6.65%!
  • PFG has paid a dividend for at least 10 years, which is a reliable track record.
  • PFG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.65%
Div Incr Years17
Div Non Decr Years17
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

  • PFG pays out 57.72% of its income as dividend. 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 3Y10.98%
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

More info and screens

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PFG Fundamentals: All Metrics, Ratios and Statistics

PRINCIPAL FINANCIAL GROUP

NASDAQ:PFG (4/24/2026, 8:01:53 PM)

After market: 99.15 -0.19 (-0.19%)

99.34

+2.34 (+2.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-23
Earnings (Next)07-27
Inst Owners75.56%
Inst Owner Change0.29%
Ins Owners0.77%
Ins Owner Change3.31%
Market Cap21.50B
Revenue(TTM)16.01B
Net Income(TTM)1.19B
Analysts67.06
Price Target96.05 (-3.31%)
Short Float %3.84%
Short Ratio4.76
Dividend
Industry RankSector Rank
Dividend Yield 3.3%
Yearly Dividend3.08
Dividend Growth(5Y)6.65%
DP57.72%
Div Incr Years17
Div Non Decr Years17
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)0.62%
PT rev (3m)4%
EPS NQ rev (1m)-1.8%
EPS NQ rev (3m)-2.34%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)0.19%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)-0.94%
Valuation
Industry RankSector Rank
PE 11.66
Fwd PE 9.56
P/S 1.34
P/FCF 4.84
P/OCF 4.74
P/B 1.81
P/tB 2.38
EV/EBITDA 8.1
EPS(TTM)8.52
EY8.58%
EPS(NY)10.39
Fwd EY10.46%
FCF(TTM)20.51
FCFY20.64%
OCF(TTM)20.96
OCFY21.1%
SpS73.95
BVpS54.9
TBVpS41.66
PEG (NY)0.79
PEG (5Y)1.08
Graham Number102.592 (3.27%)
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
WACC8.1%
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)19.33%
EPS 3Y7.39%
EPS 5Y10.83%
EPS Q2Q%14.36%
EPS Next Y14.71%
EPS Next 2Y12.15%
EPS Next 3Y10.98%
EPS Next 5Y11.74%
Revenue 1Y (TTM)2.08%
Revenue growth 3Y4.97%
Revenue growth 5Y1.66%
Sales Q2Q%-12.4%
Revenue Next Year7.7%
Revenue Next 2Y6.32%
Revenue Next 3Y5.84%
Revenue Next 5Y6.65%
EBIT growth 1Y26.33%
EBIT growth 3Y-8.87%
EBIT growth 5Y1.9%
EBIT Next Year12.71%
EBIT Next 3Y7.14%
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 14.71% in the next year.