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Financial Services - Insurance - Diversified - NASDAQ - US
$ 81.0
0.609 %
$ 18.2 B
Market Cap
17.34
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PFG stock under the worst case scenario is HIDDEN Compared to the current market price of 81 USD, Principal Financial Group, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PFG stock under the base case scenario is HIDDEN Compared to the current market price of 81 USD, Principal Financial Group, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PFG stock under the best case scenario is HIDDEN Compared to the current market price of 81 USD, Principal Financial Group, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PFG

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$88.0$88.0$86.0$86.0$84.0$84.0$82.0$82.0$80.0$80.0$78.0$78.0$76.0$76.0$74.0$74.0$72.0$72.0$70.0$70.0$68.0$68.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
16.1 B REVENUE
18.02%
1.89 B OPERATING INCOME
155.77%
1.6 B NET INCOME
156.40%
4.6 B OPERATING CASH FLOW
21.37%
-5.4 B INVESTING CASH FLOW
-300.85%
300 M FINANCING CASH FLOW
111.61%
3.7 B REVENUE
-22.22%
28.9 M OPERATING INCOME
-97.40%
48.1 M NET INCOME
0.00%
977 M OPERATING CASH FLOW
-33.02%
-953 M INVESTING CASH FLOW
74.73%
-361 M FINANCING CASH FLOW
-103.44%
Balance Sheet Principal Financial Group, Inc.
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Current Assets 4.21 B
Cash & Short-Term Investments 29.9 B
Receivables 0
Other Current Assets -25.7 B
Non-Current Assets 3.71 B
Long-Term Investments 77.7 B
PP&E 769 M
Other Non-Current Assets -74.7 B
377.95 %980.33 %Total Assets$7.9b
Current Liabilities 18.3 B
Accounts Payable 0
Short-Term Debt 153 M
Other Current Liabilities 18.1 B
Non-Current Liabilities 284 B
Long-Term Debt 3.96 B
Other Non-Current Liabilities 280 B
5.99 %92.65 %Total Liabilities$302.2b
EFFICIENCY
Earnings Waterfall Principal Financial Group, Inc.
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Revenue 16.1 B
Cost Of Revenue 8.77 B
Gross Profit 7.35 B
Operating Expenses 5.46 B
Operating Income 1.89 B
Other Expenses 292 M
Net Income 1.6 B
18b18b16b16b14b14b12b12b10b10b8b8b6b6b4b4b2b2b0016b(9b)7b(5b)2b(292m)2bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
45.59% GROSS MARGIN
45.59%
11.72% OPERATING MARGIN
11.72%
9.74% NET MARGIN
9.74%
14.17% ROE
14.17%
0.50% ROA
0.50%
-15.68% ROIC
-15.68%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Principal Financial Group, Inc.
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6b6b5b5b4b4b3b3b2b2b1b1b0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 1.6 B
Depreciation & Amortization 256 M
Capital Expenditures -68.8 M
Stock-Based Compensation 109 M
Change in Working Capital 2.66 B
Others 2.59 B
Free Cash Flow 4.53 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Principal Financial Group, Inc.
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Wall Street analysts predict an average 1-year price target for PFG of $80 , with forecasts ranging from a low of $69 to a high of $91 .
PFG Lowest Price Target Wall Street Target
69 USD -14.81%
PFG Average Price Target Wall Street Target
80 USD -1.23%
PFG Highest Price Target Wall Street Target
91 USD 12.35%
Price
Max Price Target
Min Price Target
Average Price Target
9595909085858080757570706565Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.89% DIVIDEND YIELD
0.76 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
3.003.002.502.502.002.001.501.501.001.000.500.500.000.000.360.380.450.510.540.560.560.640.640.690.750.380.390.460.520.540.560.610.640.640.710.760.380.410.470.530.550.560.630.640.650.720.381.500.431.610.491.870.542.100.552.180.562.240.642.440.642.560.672.600.732.851.512015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership Principal Financial Group, Inc.
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Sold
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9-12 MONTHS
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Bought
0 USD 0
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9-12 MONTHS
7. News
Principal to Announce Second Quarter 2025 Financial Results DES MOINES, Iowa--(BUSINESS WIRE)--Principal Financial Group® (Nasdaq: PFG) announced today that it will release second quarter 2025 financial results after U.S. markets close on Monday, July 28, 2025. On Tuesday, July 29, 2025, at 10 a.m. ET, Deanna Strable, president, and chief executive officer, and Joel Pitz, executive vice president and chief financial officer, will discuss the results during a live conference call. Other members of senior management will be available for a question-and-an. businesswire.com - 1 week ago
Principal® Employees Surpass 145,000 Volunteer Hours in Celebration of the Company's 145th Anniversary DES MOINES, Iowa--(BUSINESS WIRE)--Principal Financial Group® today announced the successful completion of its 145,000-hour global volunteerism goal, a milestone set in July of 2024 to celebrate the company's 145th anniversary and enduring commitment to building strong communities. One year later, that collective effort has resulted in 157,657 volunteer hours served to support more than 4,100 nonprofits and community organizations across the globe - a 50% increase in volunteer hours completed b. businesswire.com - 1 week ago
Time To Buy These 3 Super SWANs In the stock market, there are always smart buys that can be made. Today's focus will be on a super-regional bank, a financial services company, and a consumer staple. The trio is priced anywhere from 10% to 30% below my fair value estimates. seekingalpha.com - 3 weeks ago
Gables Sugarloaf and Dunwoody Gables Rebrands as The Quinn Sugarloaf and The Cleo Dunwoody ATLANTA--(BUSINESS WIRE)--Principal Asset Management℠ announces the rebranding of two established apartment communities in the metro Atlanta area. Gables Sugarloaf is now The Quinn Sugarloaf, and Dunwoody Gables is now The Cleo Dunwoody. These updates follow significant capital investment and reflect a renewed focus on serving a growing renter demographic. The ownership and management structure remains unchanged. Both communities will undergo renovations that build upon their established reputa. businesswire.com - 3 weeks ago
5 Upcoming Dividend Increases Including A Dividend King I spotlight five companies with recent dividend increases, averaging a 5.4% hike and a 22-year growth streak, led by PepsiCo's 53-year record. My methodology combines U.S. Dividend Champions data and NASDAQ dividend updates, focusing on companies with at least five years of dividend growth. Despite strong dividend histories, none of these companies currently meet my high standards for portfolio inclusion, as I seek significant outperformance over SCHD. seekingalpha.com - 1 month ago
PFG Outperforms Industry YTD, Trades Above 50-Day SMA: What's Next? Principal Financial gains from strong segment growth, a robust global retirement and long-term savings business, solid capital strength and rising dividends. zacks.com - 1 month ago
Principal® Names Joel Pitz Executive Vice President and Chief Financial Officer DES MOINES, Iowa--(BUSINESS WIRE)--Principal Financial Group® (Nasdaq: PFG) today announced the appointment of Joel Pitz as executive vice president and chief financial officer, effective immediately. Pitz steps into the role after 30 years with Principal and brings extensive experience in successfully aligning financial strategy to business goals. “Joel has demonstrated strong leadership throughout his time at Principal and during his tenure as interim CFO which will continue to serve the comp. businesswire.com - 1 month ago
Deriva Energy Completes Financing for Two Established Projects CHARLOTTE, N.C. , May 19, 2025 /PRNewswire/ -- Deriva Energy, LLC, a leader in clean power generation, operations and development, today announced that it has completed a $127 million debt financing for a portfolio of two operating energy assets. prnewswire.com - 1 month ago
5 Stocks to Watch From the Prospering Multiline Insurance Industry Better pricing, product redesigns, technological advancements and improving inflation are expected to aid multiline insurers like MET, AIG, PFG, EG and AIZ. zacks.com - 1 month ago
Principal Financial Group: Not Much Value For Long-Term Investors Principal Financial Group offers solid business diversification and global reach but lacks a clear competitive advantage over peers in any segment. PFG valuation appears fair, with shares trading near historical averages and limited upside potential given current growth and profitability levels. The dividend yield of 3.7% is attractive and supported by strong cash flow and capital returns, but overall return prospects remain modest. seekingalpha.com - 1 month ago
Principal Financial (PFG) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Principal Financial (PFG) have what it takes? zacks.com - 2 months ago
Principal Financial Group, Inc. (PFG) Q1 2025 Earnings Call Transcript Principal Financial Group, Inc. (NASDAQ:PFG ) Q1 2025 Earnings Conference Call April 25, 2025 10:00 AM ET Company Participants Humphrey Lee - VP of IR Deanna Strable - CEO Joel Pitz - Interim CFO Kamal Bhatia - President and CEO, Principal Asset Management Chris Littlefield - President, Retirement and Income Solutions Amy Friedrich - President, Benefits and Protection Conference Call Participants Joel Hurwitz - Dowling & Partners Ryan Krueger - KBW Wilma Burdis - Raymond James Wes Carmichael - Autonomous Research Tom Gallagher - Evercore ISI Suneet Kamath - Jefferies Jack Matten - BMO Capital Markets Mike Ward - UBS Jimmy Bhullar - JPMorgan Securities Operator Good morning, and welcome to the Principal Financial Group First Quarter 2025 Financial Results Conference Call. There will be a question-and-answer period after the speakers have completed their prepared remarks. seekingalpha.com - 2 months ago
8. Profile Summary

Principal Financial Group, Inc. PFG

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COUNTRY US
INDUSTRY Insurance - Diversified
MARKET CAP $ 18.2 B
Dividend Yield 0.89%
Description 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 Global Investors, Principal International, and U.S. Insurance Solutions segments. The Retirement and Income Solutions segment provides a portfolio of asset accumulation products and services for retirement savings and income. It offers products and services for defined contribution plans, including 401(k) and 403(b) plans, defined benefit pension 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, and bank products. The Principal Global Investors segment provides equity, fixed income, real estate, and other alternative investments, as well as asset allocation, stable value management, and other structured investment strategies. The Principal International segment offers pension accumulation products and services, mutual funds, asset management, income annuities, and life insurance accumulation products, as well as voluntary savings plans in Brazil, Chile, Mexico, China, Hong Kong Special Administrative Region, India, and Southeast Asia. The U.S. Insurance Solutions segment provides specialty benefits, such as group dental and vision insurance, group life 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 in the United States. It also offers insurance solutions for small and medium-sized businesses and their owners, as well as executives. Principal Financial Group, Inc. was founded in 1879 and is based in Des Moines, Iowa.
Contact 711 High Street, Des Moines, IA, 50392 https://www.principal.com
IPO Date Oct. 23, 2001
Employees 19700
Officers Ms. Deanna Dawnette Strable-Soethout President, Chief Executive Officer & Director Mr. Kamal Bhatia President & Chief Executive Officer of Principal Asset Management Mr. Daniel Joseph Houston Executive Chairman Ms. Kathleen B. Kay Executive Vice President & Chief Information Officer Ms. Natalie Lamarque Executive Vice President, General Counsel & Company Secretary Mr. Joel Michael Pitz SVice President & Interim Chief Financial Officer Ms. Amy Christine Friedrich President of Benefits & Protection Mr. Christopher James Littlefield President of Retirement & Income Solutions Mr. Humphrey Lee Vice President & Head of Investor Relations Ms. Noreen M. Fierro Senior Vice President and Enterprise Chief Ethics & Compliance Officer