Stock · PFG · Financial Services
United States · Large Cap · listed since 2001 · Revenue 12 mo. $15.7B
Price as of 11/06/2026
Principal Financial Group, Inc. provides retirement, asset management, and insurance products and services to businesses, individuals, and institutional clients worldwide.
Principal Financial Group, Inc. provides retirement, asset management, and insurance products and services to businesses, individuals, and institutional clients worldwide. The company operates through Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection segments. The Retirement and Income Solutions segment provides retirement, and related financial products and services. This segment offers products and services for defined contribution plans, including 401(k) and 403(b) plans, defined benefit plans, nonqualified executive benefit plans, employee stock ownership plans, equity compensation, and pension risk transfer services; individual retirement accounts; investment only products; and mutual funds, individual variable annuities, registered index-linked annuities, and bank products, as well as trust and custody services. The Principal Asset Management segment provides equity, fixed income, real estate, and other alternative investments, as well as fund offerings. This segment also offers pension accumulation products and services, mutual funds, asset management, income annuities, and life insurance accumulation products, as well as voluntary savings plans. The Benefits and Protection segment provides specialty benefits, such as specialty benefits group dental and vision insurance, group life and other insurance, and group and individual disability insurance, as well as administers group dental, disability, and vision benefits; and individual life insurance products comprising universal, variable universal, indexed universal, and term life insurance products. This segment serves insurance solutions for small and medium-sized businesses and their owners, as well as employees. The company was founded in 1879 and is based in Des Moines, Iowa.
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Summary
50.6 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Required FCF growth per year
no growth
no growth afterwards
Price to operating cash flow 4.8×, within its usual range.
Middle half of 16 quarters: 4.4× to 5.8×, median 4.9×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
5 more unchanged: Revenue, 12 mo., Gross margin, EBIT margin, Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 9.97% | 12.46% | Rank 33 |
| Return on capital (Greenblatt) | 3.53% | 59.04% | Rank 10 |
| EBIT margin | 9.06% | 23.06% | Rank 12 |
| FCF margin | 28.41% | 19.82% | Rank 66 |
| Gross margin | 45.19% | 65.53% | Rank 20 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | −3.11% | 7.39% | Rank 18 |
| Earnings growth, 3 years per year | −34.44% | 15.20% | Rank 1 |
| Earnings growth, 5 years per year | 0.80% | 15.17% | Rank 11 |
| Sustainable growth (ROE × retained earnings) | 0.63% | 1.25% | Rank 33 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 4.73% | 6.47% | Rank 24 |
| FCF yield | 19.04% | 7.16% | Rank 84 |
| EV/saleslower is better | −0.40 | 2.82 | Rank 88 |
| EV/EBITlower is betterdoes not count towards the rank | −4.40 | 14.24 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 24.93% | 7.80% | Rank 76 |
| Share price, 6 months | 10.84% | 8.71% | Rank 59 |
| Share price, 3 months | 2.94% | 0.45% | Rank 59 |
| Distance from 52-week high | −6.41% | −10.68% | Rank 67 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 0.24% | 1.23% | Rank 65 |
| Change in share countlower is better | −0.23% | −0.60% | Rank 46 |
| Dividend streak in years | 17 | 5 | Rank 89 |
| Price reaction to results, market-adjusted | 1.02% | 0.00% | Rank 66 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 3.48% | 9.21% | Rank 8 |
| Net debt/EBITDAlower is better | −17.69 | 0.12 | Rank 95 |
| Debt to equitylower is better | 0.33 | 0.90 | Rank 76 |
| Volatility, 1 yearlower is better | 22.22% | 25.95% | Rank 72 |
Ten years in figures
| Year | Revenue, $B | EBIT margin | FCF, $B | Shares | Net debt |
|---|---|---|---|---|---|
| 2016 | 12.4 | 12.8% | 3.7 | 293M | $457.5M |
| 2017 | 14.1 | 16.0% | 4.0 | 293M | $747.1M |
| 2018 | 14.2 | 12.5% | 5.1 | 289M | $325.0M |
| 2019 | 16.2 | 10.4% | 5.4 | 281M | $1.3B |
| 2020 | 14.7 | 11.5% | 3.6 | 277M | $1.5B |
| 2021 | 14.4 | 13.2% | 3.1 | 273M | $2.4B |
| 2022 | 17.5 | 34.1% | 3.1 | 255M | −$770.3M |
| 2023 | 13.7 | 5.4% | 3.7 | 245M | −$715.7M |
| 2024 | 16.1 | 11.7% | 4.5 | 226M | −$103.9M |
| 2025 | 15.6 | 9.1% | 4.4 | 226M | −$477.0M |
3 of 7 StockScorer Score rules met · How the score is built
Principal Financial Group Inc mainly meets criteria in the Valuation category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Principal Financial Group Inc. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
3 of 7 rules met
5 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Principal Financial Group Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 21.1 | 15.2 |
| P/B ratio | 2.1 | 1.8 |
| Return on equity (ROE) | 10.0% | 12.5% |
| Equity ratio | 3.5% | 9.2% |
| Debt-to-equity (D/E) | 0.33 | 0.90 |
| Dividend yield | 2.9% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| PFG | Principal Financial Group Incthis page | |
| TROW | T. Rowe Price Group Inc | Low2.7 |
| PS | Pershing Square Inc. | locked |
| TPG | TPG Inc | locked |
| BEN | Franklin Resources Inc | locked |
| CVC.AS | CVC Capital Partners PLC | locked |
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