PFG
Principal Financial Group
$111.23
▲ 1.5%Updated Today 7:15 PM ET
▲ Up 44.2% over the last 12 months
Market Cap
$23.67B
P/E
15.16x
Forward P/E (est.)
10.83x
ROE
13.4%
Revenue Growth
-1.8%
EPS Growth
50.0%
Profit Margin
10.1%
FCF Yield
—
Debt / Equity
0.34x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
3.0%
Implied Growth (rev. DCF)
—
Rating Score
56/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what PFG's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. PFG trades near $111.23, above its 50-day average ($101.27) and 200-day average ($90.56). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 72 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. PFG's is $2.00 (~1.8% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month PFG found buyers near $100.37 (support) and sellers near $112.07 (resistance); its 52-week range is $75.00–$112.07. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.1× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Principal Financial Group (PFG) is a large-cap company in the Life & Health Insurance industry, part of the Financials sector of the S&P 500, with a market value around $23.67B.
In its latest reported year it generated about $15.63B in revenue and $1.19B in net profit.
Our model rates PFG Neutral (56/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
2.0%
Revenue moved from $14.43B in 2021 to $15.63B in 2025, a 2.0% compound annual growth rate. The most recent year declined 1.8% year over year. Shrinking revenue is worth a closer look — is it cyclical or structural?
Gross Margin
—
Operating Margin
12.5%
Net Margin
7.6%
ROE
13.4%
Principal Financial Group keeps about 10.1% of each sales dollar as net profit. Return on equity is 13.4%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$3.93B
Net Debt
-$126.30M
Net cash position
Net Debt / EBITDA
—
Debt / Equity
0.34x
Leverage: debt-to-equity is 0.3x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $3.93B of total debt against $4.05B of cash.
Operating CF
$4.54B
Free Cash Flow
$4.54B
FCF Margin
29.0%
In the latest year Principal Financial Group produced about $4.54B of operating cash flow and $4.54B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
15.16x
P/S
1.5x
P/B
1.61x
EV / EBITDA
—
PFG trades at 15.2x trailing earnings (about 10.8x on estimated forward earnings), 1.5x sales, and 1.6x book value. That is a fairly typical valuation for a profitable company.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How PFG stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), PFG ranks #58 of 76 by our overall rating. It trades at roughly in line versus the sector on earnings (15.2x P/E vs. 15.2x median) with a lower return on equity (13.4% vs. 15.3%) and slower revenue growth (-1.8% vs. 9.1%).
P/E vs sector
15.2x
median 15.2x
ROE vs sector
13.4%
median 15.3%
Growth vs sector
-1.8%
median 9.1%
Sector rank
#58
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$60.38 – $100.63
vs. $111.23 today · expected CAGR -12% – -2%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $16.09B | $16.58B | $17.07B | $17.59B | $18.11B |
| Net income | $1.29B | $1.33B | $1.37B | $1.41B | $1.45B |
| EPS | $5.96 | $6.14 | $6.32 | $6.51 | $6.71 |
| Share price (low) | $53.64 | $55.25 | $56.91 | $58.62 | $60.38 |
| Share price (high) | $89.41 | $92.09 | $94.85 | $97.70 | $100.63 |
| CAGR (low–high) | -52% / -20% | -30% / -9% | -20% / -5% | -15% / -3% | -12% / -2% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for PFG:
- A conservative balance sheet (debt/equity 0.3x) lowers risk.
- Pays a 3.0% dividend on top of any price gains.
The case against PFG:
- Revenue growth is slow/negative (-1.8%), limiting the upside engine.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Growth risk — sluggish revenue (-1.8%) leaves little margin for execution missteps.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Principal Financial Group is a large-cap financials business with shrinking revenue, with modest profitability, and a sound balance sheet. It trades at 15.2x earnings, which our model scores Neutral (56/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.