Principal Financial Group, Inc. PFG NASDAQ

Principal Financial Group, Inc. (PFG) has shown declining revenue growth over the past 3 years, expanding from $17.5B to $15.6B (average -2.4%/yr). Net income reached $1.2B, reflecting solid earnings growth at +13.5%/yr on average. The net profit margin is 7.6%, which is moderate. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 45.2% (moderate), with a -17.8pp trend over the period. With a $20B market cap and MOAT composite score of 62/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (48/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 26-year history, the company was profitable in 26 of 26 years — a perfect long-term track record
• INCOME (45/100, Partial) — the company is profitable but margin is below 15%
• MOAT (62/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 62/100 with 2/7 criteria passed.