Stock Analysis
Principal Financial Group, Inc.PFG
P/E 14.95×· 5Y range 3.36–18.17×· 76th percentile of history
Sector: Financial Services · Industry: Accident & Health Insurance
AnalystsSell23 analystsP/E 14.9× sits at the 76th percentile of its 5.086926762491444-year history.
Cash covers 112% of debt · FY 2025.
PMP Verdict
Weak fundamentals, expensive
Risks
- Valuation60
- Growth31
Weak fundamentals at a demanding price.
What's happening with PFG
Profile
moat, growth, financial health, earnings quality and profitability lag behind.
How is each axis scored?
- Valuation60/100 · Moderate
- P/E vs own history (76th pct)5/25
- FCF yield (n/a)10/25
- P/S (1.5x)25/25
- EV/EBIT (12.0x)20/25
- Growth31/100 · Weak
- Revenue CAGR (2.3%)6/25
- Net income CAGR (-8.8%)0/25
- EPS CAGR 5Y (-4.3%)0/25
- Fwd implied growth (33.9%)25/25
- Profitability49/100 · Weak
- ROIC (13.2%)12/25
- ROE (13.1%)12/25
- Net margin (9.9%)13/25
- Operating margin (12.1%)12/25
- Financial Health38/100 · Weak
- Altman Z (0.18)3/25
- Current ratio (n/a)0/25
- Interest coverage (4.2x)10/25
- Net cash / debt (Net cash)25/25
- Quality47/100 · Weak
- Piotroski F (5/9)15/25
- Beneish M (-2.48)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 12.9%)12/25
- Moat18/100 · Weak
- ROIC >12% years (2/5 yrs)6/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 4.6%)12/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
About Principal Financial Group, Inc.
Principal Financial Group Inc is a financial services provider. Show more
It offers various financial products and services including retirement, asset management, and workplace benefits and protection solutions to individuals and institutional clients. The company, along with its subsidiaries, operates in the following reportable segments; Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection. Maximum revenue is generated from the Retirement and Income Solutions segment which provides workplace savings and retirement solutions, banking, trust and custodial services, individual variable annuities (including RILAs), pension risk transfer, and investment services to businesses, their employees, and other individuals.
Headquarters: DES MOINES, IA · Employees: 19,700 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
60BP/E (TTM)14.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.4x–18.2x · 76th pct
P/FCF4.8xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield21.0%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)1.48xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.9x–1.6x · 91st pct
EV/EBIT12.0xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 11.4x–13.0x · 22nd pct
EV/Sales1.4xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.2xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.96xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.49B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.01%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio44.6%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
49D+ROIC13.2%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE13.1%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA0.5%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin9.9%C
Grade C: AverageNet Income / Revenue
Operating Margin12.1%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
31DRevenue CAGR2.3%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-8.8%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-4.3%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth33.9%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-22.3%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income7.1%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.7%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
38DAltman Z-Score0.18D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage4.2xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.33xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt1.12xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
47D+Piotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.48A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability12.9%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.05xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Auerbach Jonathan Filed | Auerbach Jonathan | Grant / award | +161 | |
Beams Mary E. Filed | Beams Mary E. | Grant / award | +105 | |
Muruzabal Claudio Filed | Muruzabal Claudio | Grant / award | +97 | |
Nordin Diane C Filed | Nordin Diane C | Grant / award | +211 | |
Pickerell Blair Filed | Pickerell Blair | Grant / award | +273 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Richer Clare Stack Filed | Richer Clare Stack | Grant / award | +138 | |
Mitchell H Elizabeth Filed | Mitchell H Elizabeth | Grant / award | +78 | |
Carter Miller Jocelyn Filed | Carter Miller Jocelyn | Grant / award | +648 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
18EROIC >12% Years2/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor4.6%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$7.28
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$19.05
Cash & short-term investments per share (Finnhub)
Book Value / Share$56.57
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$3.95B
Total debt obligations (short + long term)
Cash & Equiv.$4.43B
Cash and short-term investments
Net Debt$-477.00MA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$11.88B
Shareholders' equity (book value)
Asset / Liability1.04xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$23.30B
Current Market Capitalization
Beta0.90B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Principal Financial Group, Inc. (PFG)
Piotroski F-Score of 5/9 indicates mixed fundamentals for Principal Financial Group, Inc.. Altman Z-Score of 0.18 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.48 suggests a low likelihood of earnings manipulation.
- The stock currently yields 3.0% in dividends.
See how PFG ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all PFG moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 12 | Pre-market | 110.17 | +2.73% | 2.87 |
Frequently Asked Questions about PFG
What is the current Principal Financial Group, Inc. (PFG) stock price?
PFG is trading at $108.81 at the last market close, down 0.14% on the session. PreMarketPrice tracks PFG pre-market, intraday and after-hours prices.
Is PFG stock a buy right now?
PreMarketPrice's quantitative model rates Principal Financial Group, Inc.'s financial health at 38/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is PFG stock overvalued?
Principal Financial Group, Inc. trades at a trailing P/E of 14.9 and our valuation score rates it 60/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Principal Financial Group, Inc. report earnings?
No confirmed earnings date is currently scheduled for PFG. The Earnings section lists recent reports and updates as dates are announced.
What sector does Principal Financial Group, Inc. operate in?
Principal Financial Group, Inc. operates in the Financial Services sector, within the Accident & Health Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Principal Financial Group, Inc. do?
Principal Financial Group Inc is a financial services provider.
About Principal Financial Group, Inc. (PFG) Stock
Principal Financial Group, Inc. (PFG) is a US-listed stock operating in the Financial Services sector, specifically the Accident & Health Insurance industry. As of the latest update, Principal Financial Group, Inc. is trading at $108.81, down 0.14% on the day with a market capitalization of $23.3 billion. The financial health score for PFG is 38/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for PFG stock.
PFG Stock Analysis & Key Metrics
On PreMarketPrice, you can track Principal Financial Group, Inc. (PFG) across multiple dimensions:
- Pre-market price & movement: Real-time PFG stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for PFG with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Principal Financial Group, Inc. across multiple reporting periods.
- Financial health score: A composite score of 38/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PFG.
- Sector peers: Compare PFG against 6 other financial services stocks on key financial metrics.
Is PFG a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Principal Financial Group, Inc. (PFG) as an investment. The financial health score of 38/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Principal Financial Group, Inc. (PFG) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.