96.41 USD
+1.12 (+1.18%)
Last: Feb 4, 2026, 03:51 PM
Taking everything into account, PFG scores 4 out of 10 in our fundamental rating. PFG was compared to 147 industry peers in the Insurance industry. Both the profitability and financial health of PFG have multiple concerns. PFG is not valued too expensively and it also shows a decent growth rate. PFG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- PFG had positive earnings in the past year.
- In the past year PFG had a positive cash flow from operations.
- PFG had positive earnings in each of the past 5 years.
- Each year in the past 5 years PFG had a positive operating cash flow.
1.2 Ratios
- PFG has a worse Return On Assets (0.47%) than 73.47% of its industry peers.
- PFG has a Return On Equity (13.49%) which is comparable to the rest of the industry.
- With a Return On Invested Capital value of 0.42%, PFG is not doing good in the industry: 69.39% of the companies in the same industry are doing better.
- Measured over the past 3 years, the Average Return On Invested Capital for PFG is significantly below the industry average of 14.94%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 13.49% | ||
| ROIC | 0.42% |
ROA(3y)0.78%
ROA(5y)0.67%
ROE(3y)22.52%
ROE(5y)17.16%
ROIC(3y)0.56%
ROIC(5y)0.55%
1.3 Margins
- PFG has a Profit Margin of 10.18%. This is in the better half of the industry: PFG outperforms 62.59% of its industry peers.
- In the last couple of years the Profit Margin of PFG has grown nicely.
- PFG has a worse Operating Margin (10.34%) than 60.54% of its industry peers.
- In the last couple of years the Operating Margin of PFG has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.34% | ||
| PM (TTM) | 10.18% | ||
| GM | N/A |
OM growth 3Y-12.61%
OM growth 5Y-2.51%
PM growth 3Y-3.3%
PM growth 5Y3.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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.
- PFG has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, PFG has less shares outstanding
- The debt/assets ratio for PFG has remained at the same level compared to a year ago.
2.2 Solvency
- PFG has a debt to FCF ratio of 0.94. This is a very positive value and a sign of high solvency as it would only need 0.94 years to pay back of all of its debts.
- The Debt to FCF ratio of PFG (0.94) is better than 70.07% of its industry peers.
- PFG has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
- PFG has a Debt to Equity ratio (0.34) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACC0.05
WACC8.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 16.59% over the past year.
- The Earnings Per Share has been growing slightly by 4.54% on average over the past years.
- The Revenue has decreased by -2.71% in the past year.
- PFG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.73% yearly.
EPS 1Y (TTM)16.59%
EPS 3Y1.02%
EPS 5Y4.54%
EPS Q2Q%19.32%
Revenue 1Y (TTM)-2.71%
Revenue growth 3Y3.21%
Revenue growth 5Y-0.73%
Sales Q2Q%5.6%
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 12.83% on average per year.
- Based on estimates for the next years, PFG will show a small growth in Revenue. The Revenue will grow by 5.53% on average per year.
EPS Next Y20%
EPS Next 2Y16.4%
EPS Next 3Y14.25%
EPS Next 5Y12.83%
Revenue Next Year1.36%
Revenue Next 2Y4.98%
Revenue Next 3Y5.02%
Revenue Next 5Y5.53%
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 accelerating.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 12.04 indicates a correct valuation of PFG.
- Compared to the rest of the industry, the Price/Earnings ratio of PFG is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 28.18. PFG is valued rather cheaply when compared to this.
- PFG is valuated reasonably with a Price/Forward Earnings ratio of 10.19.
- PFG's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 25.51. PFG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.04 | ||
| Fwd PE | 10.19 |
4.2 Price Multiples
- PFG's Enterprise Value to EBITDA is on the same level as the industry average.
- PFG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PFG is cheaper than 70.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.08 | ||
| EV/EBITDA | 8.63 |
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.
- A more expensive valuation may be justified as PFG's earnings are expected to grow with 14.25% in the coming years.
PEG (NY)0.6
PEG (5Y)2.65
EPS Next 2Y16.4%
EPS Next 3Y14.25%
5. Dividend
5.1 Amount
- PFG has a Yearly Dividend Yield of 3.33%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.19, PFG pays a better dividend. On top of this PFG pays more dividend than 80.27% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, PFG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
5.2 History
- The dividend of PFG has a limited annual growth rate of 5.52%.
- 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)5.52%
Div Incr Years16
Div Non Decr Years16
5.3 Sustainability
- PFG pays out 43.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of PFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.04%
EPS Next 2Y16.4%
EPS Next 3Y14.25%
NASDAQ:PFG (2/4/2026, 3:51:02 PM)
96.41
+1.12 (+1.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)02-09 2026-02-09/amc
Inst Owners75.65%
Inst Owner Change-2.12%
Ins Owners0.71%
Ins Owner Change0.23%
Market Cap21.18B
Revenue(TTM)15.46B
Net Income(TTM)1.57B
Analysts67.5
Price Target92.36 (-4.2%)
Short Float %2.11%
Short Ratio3.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
Yearly Dividend2.85
Dividend Growth(5Y)5.52%
DP43.04%
Div Incr Years16
Div Non Decr Years16
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.51%
Min EPS beat(2)-5.38%
Max EPS beat(2)8.39%
EPS beat(4)1
Avg EPS beat(4)0.1%
Min EPS beat(4)-5.38%
Max EPS beat(4)8.39%
EPS beat(8)2
Avg EPS beat(8)-2.96%
EPS beat(12)4
Avg EPS beat(12)-1.67%
EPS beat(16)8
Avg EPS beat(16)1.74%
Revenue beat(2)0
Avg Revenue beat(2)-6.84%
Min Revenue beat(2)-9.94%
Max Revenue beat(2)-3.75%
Revenue beat(4)0
Avg Revenue beat(4)-4.71%
Min Revenue beat(4)-9.94%
Max Revenue beat(4)-0.49%
Revenue beat(8)3
Avg Revenue beat(8)0.05%
Revenue beat(12)6
Avg Revenue beat(12)1.61%
Revenue beat(16)9
Avg Revenue beat(16)1.45%
PT rev (1m)1.07%
PT rev (3m)3.28%
EPS NQ rev (1m)-0.05%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)-0.93%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)-3.23%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)-2.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.04 | ||
| Fwd PE | 10.19 | ||
| P/S | 1.37 | ||
| P/FCF | 5.08 | ||
| P/OCF | 4.98 | ||
| P/B | 1.82 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 8.63 |
EPS(TTM)8.01
EY8.31%
EPS(NY)9.46
Fwd EY9.81%
FCF(TTM)18.99
FCFY19.7%
OCF(TTM)19.35
OCFY20.08%
SpS70.38
BVpS53.1
TBVpS40.14
PEG (NY)0.6
PEG (5Y)2.65
Graham Number97.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 13.49% | ||
| ROCE | 0.48% | ||
| ROIC | 0.42% | ||
| ROICexc | 0.43% | ||
| ROICexgc | 1.2% | ||
| OM | 10.34% | ||
| PM (TTM) | 10.18% | ||
| GM | N/A | ||
| FCFM | 26.98% |
ROA(3y)0.78%
ROA(5y)0.67%
ROE(3y)22.52%
ROE(5y)17.16%
ROIC(3y)0.56%
ROIC(5y)0.55%
ROICexc(3y)0.57%
ROICexc(5y)0.56%
ROICexgc(3y)1.58%
ROICexgc(5y)1.52%
ROCE(3y)0.64%
ROCE(5y)0.63%
ROICexgc growth 3Y-8.99%
ROICexgc growth 5Y-5.01%
ROICexc growth 3Y-10.54%
ROICexc growth 5Y-5.59%
OM growth 3Y-12.61%
OM growth 5Y-2.51%
PM growth 3Y-3.3%
PM growth 5Y3.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 0.94 | ||
| Debt/EBITDA | 1.72 | ||
| Cap/Depr | 11.71% | ||
| Cap/Sales | 0.52% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 186.07% | ||
| Profit Quality | 265.11% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.06%
ROIC/WACC0.05
Cap/Depr(3y)13.6%
Cap/Depr(5y)15.82%
Cap/Sales(3y)0.66%
Cap/Sales(5y)0.72%
Profit Quality(3y)315.01%
Profit Quality(5y)280.11%
High Growth Momentum
Growth
EPS 1Y (TTM)16.59%
EPS 3Y1.02%
EPS 5Y4.54%
EPS Q2Q%19.32%
EPS Next Y20%
EPS Next 2Y16.4%
EPS Next 3Y14.25%
EPS Next 5Y12.83%
Revenue 1Y (TTM)-2.71%
Revenue growth 3Y3.21%
Revenue growth 5Y-0.73%
Sales Q2Q%5.6%
Revenue Next Year1.36%
Revenue Next 2Y4.98%
Revenue Next 3Y5.02%
Revenue Next 5Y5.53%
EBIT growth 1Y2.76%
EBIT growth 3Y-9.8%
EBIT growth 5Y-3.23%
EBIT Next Year19.48%
EBIT Next 3Y10.3%
EBIT Next 5YN/A
FCF growth 1Y6.76%
FCF growth 3Y13.65%
FCF growth 5Y-3.29%
OCF growth 1Y5.99%
OCF growth 3Y12.66%
OCF growth 5Y-3.47%
PRINCIPAL FINANCIAL GROUP / PFG FAQ
Can you provide the ChartMill fundamental rating for PRINCIPAL FINANCIAL GROUP?
ChartMill assigns a fundamental rating of 4 / 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.
What is the profitability of PFG stock?
PRINCIPAL FINANCIAL GROUP (PFG) has a profitability rating of 3 / 10.
What are the PE and PB ratios of PRINCIPAL FINANCIAL GROUP (PFG) stock?
The Price/Earnings (PE) ratio for PRINCIPAL FINANCIAL GROUP (PFG) is 12.04 and the Price/Book (PB) ratio is 1.82.
How sustainable is the dividend of PRINCIPAL FINANCIAL GROUP (PFG) stock?
The dividend rating of PRINCIPAL FINANCIAL GROUP (PFG) is 8 / 10 and the dividend payout ratio is 43.04%.