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Principal Financial Group, Inc. PFG NASDAQ

NASDAQ Global Select • Financial Services • Insurance - Diversified • US • USD

SharesGrow Score
62/100
2/7 Pass
SharesGrow Intrinsic Value
$192.08
+104%
Analyst Price Target
$91.50
-2.8%

Principal Financial Group, Inc. (PFG) is a Insurance - Diversified company in the Financial Services sector, currently trading at $94.14. It has a SharesGrow Score of 62/100, indicating a above average investment profile with 2 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of PFG = $192.08 (+104% from the current price, the stock appears undervalued). Analyst consensus target is PFG = $92 (-2.8% upside).

Valuation: PFG trades at a trailing Price-to-Earnings (P/E) of 17.7 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.88.

Financials: revenue is $15.6B, -2.4%/yr average growth. Net income is $1.2B, growing at +13.5%/yr. Net profit margin is 7.6% (thin). Gross margin is 45.2% (-17.8 pp trend).

Balance sheet: total debt is $4.2B against $11.9B equity (Debt-to-Equity (D/E) ratio 0.35, conservative). Current ratio is 2.35 (strong liquidity). Debt-to-assets is 1.2%. Total assets: $341.4B.

Analyst outlook: 5 / 25 analysts rate PFG as buy (20%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 56/100 (Partial), Growth 48/100 (Partial), Past 100/100 (Pass), Health 100/100 (Pass), Moat 62/100 (Partial), Future 26/100 (Fail), Income 45/100 (Partial).

$91.50
▼ 2.8% Downside
Average Price Target
Based on 25 Wall Street analysts offering 12-month price targets for Principal Financial Group, Inc., the average price target is $91.50, with a high forecast of $100.00, and a low forecast of $85.00.
Highest Price Target
$100.00
Average Price Target
$91.50
Lowest Price Target
$85.00

PFG SharesGrow Score Overview

62/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 56/100
Valuation — P/E, PEG, Forward PEG
GROWTH 48/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 100/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 62/100
Gross margin is + market cap
FUTURE 26/100
Analyst outlook — as buy
INCOME 45/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — PFG

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VALUE Partial
56/100
PFG trades at a trailing Price-to-Earnings (P/E) of 17.7 (S&P 500 average ~25). Forward PEG 1.88 — overvalued. Analyst consensus target is $92, implying -2.3% from the current price $94. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Partial
48/100
PFG: -2.4%/yr revenue is, +13.5%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
PFG: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Pass
100/100
Balance sheet PFG: Debt-to-Equity (D/E) ratio 0.35 (conservative), Current ratio is 2.35 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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MOAT Partial
62/100
PFG: Gross margin is 45.2% (-17.8 pp trend), $20B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 62/100. ≥ 70 = Pass.
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FUTURE Fail
26/100
Analyst outlook: 5 / 25 analysts rate PFG as buy (20%). Analyst consensus target is $92 (-2.3% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
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INCOME Partial
45/100
PFG: Net profit margin is 7.6%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range68.39-97.88
Volume1.01M
Avg Volume (30D)1.77M
Market Cap$20.41B
Beta (1Y)0.88
Dividend Yield$3.1300
Share Statistics
EPS (TTM)5.32
Shares Outstanding$225.7M
IPO Date2001-10-23
Employees19,700
CEODeanna Dawnette Strable-Soethout
Financial Highlights & Ratios
Revenue (TTM)$15.63B
Gross Profit$7.06B
EBITDA$1.67B
Net Income$1.19B
Operating Income$1.42B
Total Cash$33.49B
Total Debt$4.2B
Net Debt$-227.1M
Total Assets$341.38B
Price / Earnings (P/E)17.7
Price / Sales (P/S)1.31
Analyst Forecast
1Y Price Target$92.50
Target High$100.00
Target Low$85.00
Upside-1.7%
Rating ConsensusHold
Analysts Covering25
Buy 20% Hold 60% Sell 20%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS74251V1026

Price Chart

PFG
Principal Financial Group, Inc.  ·  NASDAQ Global Select
Financial Services • Insurance - Diversified
68.39 52WK RANGE 97.88
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