Principal Financial Group Inc (PFG)
Financials · Life & Health Insurance · US stock · S&P 500 component
$108.81
▼ -0.15 (0.14%)
Fair valueFair
$91 −16.4% to fair value
$45fair band $55–$127$136
Day's range
$108.35 – $110.47
52-week range
$75.30 – $121.18
About Principal Financial Group Inc
Principal Financial Group provides retirement, asset management and insurance services to businesses and individuals. It administers retirement plans for employers, manages investments through its global asset management arm, and offers employee benefits such as life, disability, dental and vision cover. The group also runs pension and asset management operations in selected overseas markets. Customers include small and mid-sized companies, large employers, institutional investors and individual savers.
The group earns its revenue from insurance premiums, fees charged on retirement accounts and managed assets, and income from investing the funds it holds. Revenue was $15.5 billion over the last twelve months and has changed at -3.8% a year across the last three years, which is a decline. The dividend yield is 3.0%. A full set of margin and return measures is not available on the site for this company. On the site's X-Ray Score it receives 34 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $75.30 – $121.18Volume 1,096,000Daily, split-adjusted
Vitals
Market cap$24.0B
52-week range$75.30 – $121.18
Volume (last day)1,096,000
P/E (TTM)15.0
EBIT / EV yield–
Free-cash-flow yield–
Dividend yield3.0%
Revenue (TTM)$15.5B
Net income (TTM)$1.6B
Operating margin–
Return on capital–
Debt incl. leases$3.9B
Cash & securities$4.1B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$91
Fair
−16.4% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Price $109
Undervalued < $55Fair $55 – $127Overvalued > $127
Excess-return (bank)
$72
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Weak
42/100
Expensive against its sector on earnings and cash flow.
See the numbers →
Fair value vs price0.8×
Growth
Weak
4/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)-3.8%
EPS growth (3y)-34.4%
Growth consistency40%
Profitability
Weak
44/100
Earns lower returns on its capital than most peers.
See the numbers →
Financial health
Weak
38/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score6 / 9
Dividends
Weak
39/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield3.0%
Dividend growth2.1%
Quarterly results: last 6 quarters
+76.6%
Dec '24
-8.8%
Mar '25
-14.8%
Jun '25
+22.2%
Sep '25
-3.7%
Dec '25
-4.5%
Mar '26
Revenue against the same quarter a year earlier. Latest quarter revenue $3.5B, diluted EPS $1.93.
Compare with peers
PFH Prudential Financial I...55 GL Globe Life Inc.53 MET Metlife Inc51 AFL Aflac Inc38Other Life & Health Insurance companies by X-Ray Score.
Fundamentals checklist
● 0 Good · ● 3 Average · ● 3 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Valuation
Fair value vs priceAverage
Profitability
Each check is graded against the company's sector, not a fixed number. Checklist score 27/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $14.4B | $17.5B | $13.7B | $16.1B | $15.6B |
| Operating income | – | – | – | – | – |
| Net income | $1.8B | $4.9B | $670M | $1.6B | $1.3B |
| Operating cash flow | $3.3B | $3.2B | $3.8B | $4.6B | $4.5B |
| Operating margin | – | – | – | – | – |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $5.79 | $18.63 | $2.55 | $6.68 | $5.25 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bearish
3 bullish · 4 neutral · 9 bearish
Weekly
Bullish
7 bullish · 1 neutral · 4 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 108.7 | Bullish |
| EMA 10 | 109.1 | Bearish |
| SMA 20 | 111.2 | Bearish |
| EMA 20 | 110.5 | Bearish |
| SMA 50 | 112.4 | Bearish |
| EMA 50 | 111.4 | Bearish |
| SMA 100 | 110.7 | Bearish |
| EMA 100 | 108.9 | Bearish |
| SMA 200 | 101.4 | Bullish |
| EMA 200 | 102.6 | Bullish |
Oscillators (daily)
| RSI (14) | 41.36 | Neutral |
| MACD (12, 26) | -1.55 | Bearish |
| Momentum (12) | -2.81 | Bearish |
| Stochastic %K (14) | 31.97 | Neutral |
| Williams %R (14) | -68.03 | Neutral |
| CCI (20) | -55.99 | Neutral |
Pivot points (classic, last session)
S3 105.8 | S2 107.1 | S1 107.9 | Pivot 109.2 | R1 110.1 | R2 111.3 | R3 112.2 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
3.25 USD
Yield on today's price
2.99%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 3 Sep 2026 | 0.8400 |
| 1 Jun 2026 | 0.8200 |
| 11 Mar 2026 | 0.8000 |
| 3 Dec 2025 | 0.7900 |
| 4 Sep 2025 | 0.7800 |
| 2 Jun 2025 | 0.7600 |
| 12 Mar 2025 | 0.7500 |
| 2 Dec 2024 | 0.7300 |
| 5 Sep 2024 | 0.7200 |
| 3 Jun 2024 | 0.7100 |
| 11 Mar 2024 | 0.6900 |
| 30 Nov 2023 | 0.6700 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
PFG SEC filings
10 Sep 2026
8-KSEC EDGAR
Entered a material agreement
29 Jul 2026
10-QSEC EDGAR
Quarterly report
27 Jul 2026
8-KSEC EDGAR
Results of operations
20 Jul 2026
8-KSEC EDGAR
Regulation FD disclosure
1 Jun 2026
8-KSEC EDGAR
Entered a material agreement; Other events
29 May 2026
424B5SEC EDGAR
424B5
27 May 2026
424B5SEC EDGAR
424B5
20 May 2026
8-KSEC EDGAR
Shareholder vote results
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.