88.48 USD
-2.5 (-2.75%)
88.31 USD
-0.17 (-0.19%)
PFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. Both the profitability and financial health of PFG have multiple concerns. PFG has a decent growth rate and is not valued too expensively. PFG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year PFG was profitable.
- In the past year PFG had a positive cash flow from operations.
- In the past 5 years PFG has always been profitable.
- PFG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- PFG has a Return On Assets of 0.47%. This is in the lower half of the industry: PFG underperforms 73.15% of its industry peers.
- The Return On Equity of PFG (13.49%) is comparable to the rest of the industry.
- Looking at the Return On Invested Capital, with a value of 0.42%, PFG is doing worse than 69.13% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for PFG is significantly below the industry average of 14.92%.
| 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
- With a decent Profit Margin value of 10.18%, PFG is doing good in the industry, outperforming 62.42% of the companies in the same industry.
- In the last couple of years the Profit Margin of PFG has grown nicely.
- PFG has a Operating Margin of 10.34%. This is in the lower half of the industry: PFG underperforms 60.40% of its industry peers.
- PFG's Operating Margin has declined in the last couple of years.
| 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.
- Compared to 1 year ago, PFG has less shares outstanding
- The number of shares outstanding for PFG has been reduced compared to 5 years ago.
- The debt/assets ratio for PFG has remained at the same level compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of PFG is 0.94, which is an excellent value as it means it would take PFG, only 0.94 years of fcf income to pay off all of its debts.
- PFG has a Debt to FCF ratio of 0.94. This is in the better half of the industry: PFG outperforms 70.47% of its industry peers.
- A Debt/Equity ratio of 0.34 indicates that PFG is not too dependend on debt financing.
- PFG has a Debt to Equity ratio (0.34) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACC0.05
WACC7.96%
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.
- PFG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.54% yearly.
- The Revenue has decreased by -2.71% in the past year.
- Measured over the past years, PFG shows a decrease in Revenue. The Revenue has been decreasing by -0.73% on average per year.
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
- The Earnings Per Share is expected to grow by 12.83% on average over the next years. This is quite good.
- PFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.53% yearly.
EPS Next Y20.22%
EPS Next 2Y16.53%
EPS Next 3Y14.26%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.05 indicates a reasonable 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.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, PFG is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.33, the valuation of PFG can be described as reasonable.
- 61.07% of the companies in the same industry are more expensive than PFG, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, PFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.05 | ||
| Fwd PE | 9.33 |
4.2 Price Multiples
- 61.74% of the companies in the same industry are more expensive than PFG, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PFG indicates a somewhat cheap valuation: PFG is cheaper than 74.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.66 | ||
| EV/EBITDA | 7.98 |
4.3 Compensation for Growth
- The 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 14.26% in the coming years.
PEG (NY)0.55
PEG (5Y)2.43
EPS Next 2Y16.53%
EPS Next 3Y14.26%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.47%, PFG has a reasonable but not impressive dividend return.
- PFG's Dividend Yield is a higher than the industry average which is at 2.53.
- PFG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
5.2 History
- The dividend of PFG has a limited annual growth rate of 5.52%.
- PFG has been paying a dividend for at least 10 years, so it has a reliable track record.
- PFG has not decreased their dividend for at least 10 years, which is a reliable track record.
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.
- PFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.04%
EPS Next 2Y16.53%
EPS Next 3Y14.26%
88.48
-2.5 (-2.75%)
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 Change0.05%
Ins Owners0.71%
Ins Owner Change0.23%
Market Cap19.44B
Revenue(TTM)15.46B
Net Income(TTM)1.57B
Analysts67.5
Price Target92.36 (4.39%)
Short Float %2.27%
Short Ratio3.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.47% |
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)1.64%
PT rev (3m)5.96%
EPS NQ rev (1m)-0.36%
EPS NQ rev (3m)0.19%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.21%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)-2.93%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)-2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.05 | ||
| Fwd PE | 9.33 | ||
| P/S | 1.26 | ||
| P/FCF | 4.66 | ||
| P/OCF | 4.57 | ||
| P/B | 1.67 | ||
| P/tB | 2.2 | ||
| EV/EBITDA | 7.98 |
EPS(TTM)8.01
EY9.05%
EPS(NY)9.48
Fwd EY10.71%
FCF(TTM)18.99
FCFY21.46%
OCF(TTM)19.35
OCFY21.87%
SpS70.38
BVpS53.1
TBVpS40.14
PEG (NY)0.55
PEG (5Y)2.43
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
WACC7.96%
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 Y20.22%
EPS Next 2Y16.53%
EPS Next 3Y14.26%
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 11.05 and the Price/Book (PB) ratio is 1.67.
How sustainable is the dividend of PRINCIPAL FINANCIAL GROUP (PFG) stock?
The dividend rating of PRINCIPAL FINANCIAL GROUP (PFG) is 7 / 10 and the dividend payout ratio is 43.04%.