PFG
Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
Principal Financial Group, Inc.
- Nom
- Principal Financial Group, Inc.
- Secteur
- Financial Services
- Industrie
- Asset Management
- Bourse
- NASDAQ
- Capitalisation
- $23.1B
- Employés
- 19,700
- PDG
- Deanna Dawnette Strable-Soethout
- Site web
- https://www.principal.com
- Marché
- AMGAMPBENCRBGEQHIVZ
Principal Financial Group, Inc. engages in the investment management offering business. It offers financial products and services to businesses, individuals, and institutional clients. It operates its business through the following segments: Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection. The Retirement and Income Solutions Segment offers a comprehensive portfolio of products and services for retirement savings along with select products for retirement income. The Principal Asset Management segment provides global investment solutions to institutional, retirement, retail and high net worth investors in the U.S. and select emerging markets. The Benefits and Protection segment includes selling individual life insurance products. The company was founded by Edward A. Temple in 1879 and is headquartered in Des Moines, IA.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Decouvert par les declarations du Congres
- Insiders
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- Total bought
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Avg buy (VWAP, 90d window) —
- Total sold
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Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
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- Last synced
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2026-10-06 10:56:08
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Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
No Form 4 filings for this company in this window.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-10-31 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-10-30 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2025-10-30 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-06-17 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2023-11-03 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-10-31 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-10-10 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-08-03 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-11-11 | Kurt Schrader | Purchase | $1,001 - $15,000 |
| 2022-09-06 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-07-18 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2020-04-02 | Dean Phillips | Purchase | $1,001 - $15,000 |
| 2020-03-18 | Gilbert Ray Cisneros | Sale (Full) | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
PFG shows solid liquidity and balance sheet strength (score: 85), but the deeply negative fundamental trend (score: 45) driven by margin contraction and abnormally high DSO significantly undermines the investment case.
The first sentence of the analysis written for PFG on 2026-10-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. No open-market purchase or sale value stored
- Congress Supports a bullish reading. 2 purchase disclosures year to date
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 3.21 · operating margin 9.1%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 45.2% | 45.6% | 43.2% | 63.0% | 49.0% | |
| Ebit Margin | 9.1% | 11.7% | 5.4% | 34.1% | 13.2% | |
| Ebitda Margin | 10.7% | 13.3% | 7.4% | 35.8% | 15.2% | |
| Operating Profit Margin | 9.1% | 11.7% | 5.4% | 34.1% | 13.2% | |
| Pretax Profit Margin | 9.1% | 11.7% | 5.4% | 34.1% | 13.2% | |
| Continuous Operations Profit Margin | 8.0% | 9.9% | 4.9% | 27.4% | 11.3% | |
| Net Profit Margin | 7.6% | 9.7% | 4.6% | 27.1% | 11.0% | |
| Bottom Line Profit Margin | 7.6% | 9.7% | 4.6% | 27.1% | 11.0% | |
| Current Ratio | 3.209 | 5.241 | 4.821 | 0.532 | 34.770 | |
| Quick Ratio | 3.209 | 5.241 | 4.821 | 5.140 | 34.770 | |
| Solvency Ratio | 0.004 | 0.006 | 0.003 | 0.017 | 0.006 | |
| Cash Ratio | 0.248 | 0.231 | 0.239 | 0.236 | 0.972 | |
| Price To Earnings Ratio | 16.581 | 11.434 | 30.492 | 4.431 | 12.322 | |
| Price To Earnings Growth Ratio | -0.774 | 0.070 | -0.353 | 0.020 | 0.792 | |
| Forward Price To Earnings Growth Ratio | -0.774 | 0.070 | -0.353 | 0.020 | 0.792 | |
| Price To Earnings Diluted Ratio | 16.802 | 11.588 | 30.851 | 4.505 | 12.492 | |
| Price To Earnings Diluted Growth Ratio | -0.785 | 0.072 | -0.357 | 0.020 | 0.853 | |
| Price To Book Ratio | 1.675 | 1.580 | 1.704 | 2.107 | 1.211 | |
| Price To Sales Ratio | 1.274 | 1.086 | 1.361 | 1.202 | 1.349 | |
| Price To Free Cash Flow Ratio | 4.485 | 3.862 | 5.040 | 6.894 | 6.299 | |
| Price To Operating Cash Flow Ratio | 4.388 | 3.805 | 4.905 | 6.641 | 6.045 | |
| Debt To Assets Ratio | 0.012 | 0.013 | 0.013 | 0.013 | 0.015 | |
| Debt To Equity Ratio | 0.333 | 0.371 | 0.366 | 0.408 | 0.292 | |
| Debt To Capital Ratio | 0.250 | 0.270 | 0.268 | 0.290 | 0.226 | |
| Long Term Debt To Capital Ratio | 0.248 | 0.263 | 0.265 | 0.286 | 0.223 | |
| Financial Leverage Ratio | 28.726 | 28.293 | 27.945 | 30.295 | 18.959 | |
| Working Capital Turnover Ratio | 0.267 | 0.211 | 0.416 | 0.491 | 0.176 | |
| Operating Cash Flow Ratio | 0.254 | 0.252 | 0.192 | 0.155 | 1.341 | |
| Operating Cash Flow Sales Ratio | 0.290 | 0.285 | 0.278 | 0.181 | 0.223 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.978 | 0.985 | 0.973 | 0.963 | 0.960 | |
| Debt Service Coverage Ratio | 50.472 | 11.939 | 14.965 | 62.190 | 23.543 | |
| Interest Coverage Ratio | 643.636 | 726.769 | 388.842 | 4,989.167 | 1,910.900 | |
| Short Term Operating Cash Flow Coverage Ratio | 163.780 | 30.143 | 62.069 | 39.317 | 40.336 | |
| Operating Cash Flow Coverage Ratio | 1.147 | 1.120 | 0.950 | 0.778 | 0.686 | |
| Capital Expenditure Coverage Ratio | 46.293 | 66.903 | 37.180 | 27.282 | 24.779 | |
| Dividend Paid And Capex Coverage Ratio | 5.801 | 6.330 | 5.213 | 4.183 | 4.106 | |
| Dividend Payout Ratio | 0.577 | 0.419 | 1.004 | 0.135 | 0.414 | |
| Enterprise Value Multiple | 11.639 | 8.113 | 17.682 | 3.231 | 9.980 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 45.2% | ▼-0.4% | ▼-4.0% |
| Ebit Margin | 9.1% | ▼-2.6% | ▼-5.6% |
| Ebitda Margin | 10.7% | ▼-2.6% | ▼-5.8% |
| Operating Profit Margin | 9.1% | ▼-2.6% | ▼-5.7% |
| Pretax Profit Margin | 9.1% | ▼-2.6% | ▼-5.7% |
| Continuous Operations Profit Margin | 8.0% | ▼-1.9% | ▼-4.3% |
| Net Profit Margin | 7.6% | ▼-2.2% | ▼-4.4% |
| Bottom Line Profit Margin | 7.6% | ▼-2.2% | ▼-4.4% |
| Current Ratio | 3.209 | ▼-2.031 | ▼-6.505 |
| Quick Ratio | 3.209 | ▼-2.031 | ▼-7.427 |
| Solvency Ratio | 0.004 | ▼-0.002 | ▼-0.003 |
| Cash Ratio | 0.248 | ▲0.018 | ▼-0.137 |
| Price To Earnings Ratio | 16.581 | ▲5.147 | ▲1.529 |
| Price To Earnings Growth Ratio | -0.774 | ▼-0.845 | ▼-0.725 |
| Forward Price To Earnings Growth Ratio | -0.774 | ▼-0.845 | ▼-0.725 |
| Price To Earnings Diluted Ratio | 16.802 | ▲5.214 | ▲1.554 |
| Price To Earnings Diluted Growth Ratio | -0.785 | ▼-0.856 | ▼-0.745 |
| Price To Book Ratio | 1.675 | ▲0.096 | ▲0.020 |
| Price To Sales Ratio | 1.274 | ▲0.188 | ▲0.020 |
| Price To Free Cash Flow Ratio | 4.485 | ▲0.623 | ▼-0.831 |
| Price To Operating Cash Flow Ratio | 4.388 | ▲0.584 | ▼-0.768 |
| Debt To Assets Ratio | 0.012 | ▼-0.002 | ▼-0.002 |
| Debt To Equity Ratio | 0.333 | ▼-0.038 | ▼-0.021 |
| Debt To Capital Ratio | 0.250 | ▼-0.021 | ▼-0.011 |
| Long Term Debt To Capital Ratio | 0.248 | ▼-0.015 | ▼-0.009 |
| Financial Leverage Ratio | 28.726 | ▲0.433 | ▲1.882 |
| Working Capital Turnover Ratio | 0.267 | ▲0.056 | ▼-0.045 |
| Operating Cash Flow Ratio | 0.254 | ▲0.002 | ▼-0.185 |
| Operating Cash Flow Sales Ratio | 0.290 | ▲0.005 | ▲0.039 |
| Free Cash Flow Operating Cash Flow Ratio | 0.978 | ▼-0.007 | ▲0.006 |
| Debt Service Coverage Ratio | 50.472 | ▲38.533 | ▲17.850 |
| Interest Coverage Ratio | 643.636 | ▼-83.133 | ▼-1088.226 |
| Short Term Operating Cash Flow Coverage Ratio | 163.780 | ▲133.636 | ▲96.651 |
| Operating Cash Flow Coverage Ratio | 1.147 | ▲0.027 | ▲0.211 |
| Capital Expenditure Coverage Ratio | 46.293 | ▼-20.610 | ▲5.806 |
| Dividend Paid And Capex Coverage Ratio | 5.801 | ▼-0.528 | ▲0.675 |
| Dividend Payout Ratio | 0.577 | ▲0.158 | ▲0.067 |
| Enterprise Value Multiple | 11.639 | ▲3.526 | ▲1.510 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $19.91B | $17.51B | $18.60B | $21.07B | $19.46B | |
| Enterprise value | $19.43B | $17.41B | $17.88B | $20.30B | $21.82B | |
| EV / Sales | 1.24x | 1.08x | 1.31x | 1.16x | 1.51x | |
| EV / Op. cash flow | 4.28x | 3.78x | 4.72x | 6.40x | 6.78x | |
| EV / Free cash flow | 4.38x | 3.84x | 4.85x | 6.64x | 7.06x | |
| EV / EBITDA | 11.64x | 8.11x | 17.68x | 3.23x | 9.98x | |
| Net debt / EBITDA | -0.29x | -0.05x | -0.71x | -0.12x | 1.08x | |
| Current ratio | 3.21x | 5.24x | 4.82x | 0.53x | 34.77x | |
| Income quality | 3.83x | 2.88x | 5.66x | 0.65x | 1.83x | |
| Graham number | $79 | $88 | $52 | $130 | $89 | |
| Graham net-net | -$1K | -$938 | -$867 | -$1K | -$764 | |
| Tax burden | 83.7% | 83.1% | 84.4% | 79.5% | 82.7% | |
| Interest burden | 99.8% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $39.42B | $77.46B | $75.29B | -$9.61B | $81.05B | |
| Invested capital | $47.06B | $81.17B | $79.31B | -$5.48B | $89.07B | |
| Return on assets | 0.3% | 0.5% | 0.2% | 1.6% | 0.5% | |
| Operating ROA | 0.4% | 0.6% | 0.2% | 2.0% | 0.6% | |
| Return on tangible assets | 0.4% | 0.5% | 0.2% | 1.6% | 0.5% | |
| Return on equity | 10.0% | 14.2% | 5.7% | 47.6% | 9.8% | |
| Return on invested capital | 0.4% | 0.5% | 0.2% | -88.8% | 0.5% | |
| Return on capital employed | 0.4% | 0.6% | 0.3% | 2.1% | 0.6% | |
| Earnings yield | 6.0% | 9.0% | 3.4% | 22.6% | 8.1% | |
| Free cash flow yield | 22.3% | 25.9% | 19.8% | 14.5% | 15.9% | |
| Capex / Op. cash flow | 2.2% | 1.5% | 2.7% | 3.7% | 4.0% | |
| Capex / Depreciation | 39.0% | 26.9% | 37.4% | 39.3% | 47.2% | |
| Capex / Sales | 0.6% | 0.4% | 0.7% | 0.7% | 0.9% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 0.7% | 0.7% | 0.5% | 0.7% | |
| Intangibles / Total assets | 2.0% | 0.9% | 1.0% | 1.0% | 2.3% | |
| Days sales outstanding | 555d | 526d | 657d | 528d | 64d | |
| Days payables outstanding | 0d | 0d | 0d | 1149d | 0d | |
| Operating cycle | 555d | 526d | 657d | -4793d | 64d | |
| Cash conversion cycle | 555d | 526d | 657d | -5942d | 64d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-01 Principal® to Announce Third Quarter 2026 Financial Results Principal Financial Group (Nasdaq: PFG) announced today that it will release third quarter 2026 financial results after U.S. markets close on Monday, October
- 2026-09-30 Why Principal Financial (PFG) is a Top Dividend Stock for Your Portfolio 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?
- 2026-09-29 PFG vs. ALIZY: Which Stock Is the Better Value Option? Investors with an interest in Insurance - Multi line stocks have likely encountered both Principal Financial (PFG) and Allianz SE (ALIZY). But which of these two stocks presents investors with the better value opportunity right now?
- 2026-09-28 Is the Options Market Predicting a Spike in Principal Financial Stock? Investors need to pay close attention to PFG stock based on the movements in the options market lately.
- 2026-09-25 Here''s Why Principal Financial (PFG) is a Strong Value Stock Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
- 2026-09-24 Comparing Principal Financial Group (NASDAQ:PFG) & American Integrity Insurance Group (NYSE:AII) American Integrity Insurance Group (NYSE: AII - Get Free Report) and Principal Financial Group (NASDAQ: PFG - Get Free Report) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, valuation, analyst recommendations, dividends, institutional ownership, risk and earnings. Volatility and Risk American Integrity
- 2026-09-23 Here''s Why Principal Financial (PFG) is a Strong Momentum Stock Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
- 2026-09-17 3 Life Insurers to Watch as Annuity Sales Hit First-Half Record Highs Record annuity demand creates opportunities for Prudential, Principal Financial and MetLife as retirement needs and pension solutions grow.
- 2026-09-14 Principal Financial (PFG) is a Top Dividend Stock Right Now: Should You Buy? 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?
- 2026-09-10 Amundi Has $96.50 Million Stake in Principal Financial Group, Inc. $PFG Amundi lowered its holdings in Principal Financial Group, Inc. (NASDAQ: PFG) by 22.3% in the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The firm owned 895,365 shares of the company''s stock after selling 256,452 shares during the period. Amundi owned approximately 0.42% of Principal Financial