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PFG 
Principal Financial Group Inc (PFG)
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Upturn Advisory Summary
01/08/2026: PFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $91.82
1 Year Target Price $91.82
| 1 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 1 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.67% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/08/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 20.43B USD | Price to earnings Ratio 13.45 | 1Y Target Price 91.82 |
Price to earnings Ratio 13.45 | 1Y Target Price 91.82 | ||
Volume (30-day avg) 12 | Beta 0.9 | 52 Weeks Range 66.44 - 92.51 | Updated Date 01/9/2026 |
52 Weeks Range 66.44 - 92.51 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 3.32% | Basic EPS (TTM) 6.82 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.96% | Operating Margin (TTM) 6.86% |
Management Effectiveness
Return on Assets (TTM) 0.37% | Return on Equity (TTM) 13.77% |
Valuation
Trailing PE 13.45 | Forward PE 9.73 | Enterprise Value 18766276451 | Price to Sales(TTM) 1.29 |
Enterprise Value 18766276451 | Price to Sales(TTM) 1.29 | ||
Enterprise Value to Revenue 1.19 | Enterprise Value to EBITDA - | Shares Outstanding 219693843 | Shares Floating 218318560 |
Shares Outstanding 219693843 | Shares Floating 218318560 | ||
Percent Insiders 1.08 | Percent Institutions 75.61 |
Upturn AI SWOT
Principal Financial Group Inc
Company Overview
History and Background
Principal Financial Group Inc. was founded in 1879 as Bankers Life Association in Des Moines, Iowa. It began as a mutual life insurance company and underwent several name changes and expansions throughout its history. Key milestones include its diversification into retirement services, investment management, and international operations. In 1985, it demutualized and became a publicly traded company, with its stock symbol PRING. It has since grown into a global financial services company with a strong presence in retirement solutions, asset management, and life insurance.
Core Business Areas
- Retirement: Offers a comprehensive suite of retirement products and services, including defined contribution plans (401(k), 403(b)), defined benefit plans, IRAs, and individual annuities. They also provide recordkeeping, administration, and investment management for these plans.
- Principal International: Focuses on providing financial solutions to customers in Latin America and Asia, including retirement savings, life insurance, and investment products.
- Asset Management: Manages a diverse range of investment strategies and products through its subsidiary Principal Global Investors, serving institutional and individual clients globally.
- Insurance Solutions: Offers a range of life, accident, and disability insurance products designed to protect individuals and businesses.
Leadership and Structure
Principal Financial Group Inc. is led by a Board of Directors and a management team. The CEO is Dan Houston. The company operates through various business segments and subsidiaries, with a global footprint.
Top Products and Market Share
Key Offerings
- 401(k) and Retirement Plans: A cornerstone offering, providing retirement savings solutions for employers and employees. Competitors include Fidelity Investments, Vanguard, Empower Retirement, and Prudential Financial. Market share data is often proprietary and varies by segment.
- Annuities: Offers a variety of fixed and variable annuities for individuals seeking guaranteed income and long-term growth. Key competitors include New York Life, Northwestern Mutual, and Jackson Financial. Market share data is segment-specific.
- Asset Management Services: Provides investment management for institutional clients (pension funds, endowments) and through mutual funds and ETFs for retail investors. Competitors include BlackRock, Vanguard, and State Street Global Advisors.
- Life and Disability Insurance: Offers various insurance policies to protect against financial loss due to death or disability. Competitors include MetLife, Lincoln Financial Group, and MassMutual.
Market Dynamics
Industry Overview
The financial services industry, particularly in retirement, insurance, and asset management, is highly competitive and influenced by economic conditions, interest rates, regulatory changes, and technological advancements. There's a growing demand for personalized financial advice and digital solutions.
Positioning
Principal Financial Group Inc. is a well-established player with a strong focus on retirement solutions and a diversified business model. Its competitive advantages include a large customer base, a global presence, and a reputation for stability and service. It is particularly strong in serving small to medium-sized businesses and their employees.
Total Addressable Market (TAM)
The TAM for retirement, insurance, and asset management services is in the trillions of dollars globally. Principal Financial Group Inc. addresses a significant portion of this through its broad product offerings and distribution channels, aiming to capture a growing share of individuals and businesses seeking financial security and wealth accumulation.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and reputation for financial strength.
- Diversified revenue streams across multiple financial services segments.
- Significant global presence, particularly in Latin America and Asia.
- Established relationships with employers for retirement plan services.
- Robust asset management capabilities.
Weaknesses
- Dependence on market conditions for investment returns and fee income.
- Potential for increased competition from fintech companies.
- Complex regulatory environment impacting operations.
- Integration challenges with past or future acquisitions.
- Brand awareness might be lower compared to some very large diversified financial institutions.
Opportunities
- Growing demand for retirement planning and wealth management services.
- Expansion into emerging markets with growing middle classes.
- Leveraging technology and digital platforms to enhance customer experience and efficiency.
- Strategic partnerships and acquisitions to broaden product offerings or market reach.
- Increasing focus on ESG (Environmental, Social, and Governance) investing.
Threats
- Interest rate volatility impacting investment income and product pricing.
- Economic downturns affecting asset values and customer spending.
- Increased regulatory scrutiny and compliance costs.
- Intensifying competition from both traditional players and new entrants.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- Fidelity Investments (Private)
- Vanguard (Private)
- Charles Schwab (SCHW)
- T. Rowe Price (TROW)
- MetLife (MET)
- Prudential Financial (PRU)
- Lincoln Financial Group (LNC)
- Northwestern Mutual (Private)
Competitive Landscape
Principal competes in a fragmented market. Its strengths lie in its comprehensive retirement offerings and established employer relationships. However, it faces intense competition from larger, more diversified financial institutions and agile fintech firms that are disrupting traditional service models.
Major Acquisitions
Wealthscape platform from Fidelity Investments
- Year: 2016
- Acquisition Price (USD millions):
- Strategic Rationale: To enhance its retirement recordkeeping and administration capabilities, strengthening its position in the defined contribution market.
A segment of a retirement services provider in Asia
- Year: 2020
- Acquisition Price (USD millions): 150
- Strategic Rationale: To expand its presence and product offerings in key Asian markets, capitalizing on growing demand for retirement solutions.
Growth Trajectory and Initiatives
Historical Growth: Principal has demonstrated consistent growth over the years, driven by organic expansion in its core segments, strategic acquisitions, and diversification into international markets. Its retirement services have been a particular growth engine.
Future Projections: Analyst projections typically anticipate modest but steady earnings growth, supported by an expanding client base, ongoing product development, and international market penetration. Growth in fee-based revenues from asset management and retirement services is a key driver.
Recent Initiatives: Recent initiatives often include investments in technology to enhance digital customer engagement, development of new retirement income solutions, and expansion of its global footprint through targeted acquisitions or partnerships.
Summary
Principal Financial Group Inc. is a strong, diversified financial services company with a robust presence in retirement solutions. Its established brand, global reach, and comprehensive offerings are key strengths. However, it faces significant competition and is exposed to market volatility. Continued investment in digital innovation and strategic market expansion will be crucial for sustained growth and mitigating threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Principal Financial Group Inc. Investor Relations website
- U.S. Securities and Exchange Commission (SEC) filings (10-K, 10-Q)
- Financial news outlets (e.g., Wall Street Journal, Bloomberg)
- Financial data providers (e.g., Refinitiv, S&P Capital IQ)
Disclaimers:
This JSON output is generated for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any securities. Market share data and acquisition prices are estimates and may not be precise. Financial performance figures are based on available public information and may vary. Users should conduct their own due diligence and consult with a qualified financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Principal Financial Group Inc
Exchange NASDAQ | Headquaters Des Moines, IA, United States | ||
IPO Launch date 2001-10-23 | President, CEO & Chair of the Board Ms. Deanna Dawnette Strable-Soethout | ||
Sector Financial Services | Industry Asset Management | Full time employees 19700 | Website https://www.principal.com |
Full time employees 19700 | Website https://www.principal.com | ||
Principal Financial Group, Inc. provides retirement, asset management, and insurance products and services to businesses, individuals, and institutional clients worldwide. The company operates through Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection segments. The Retirement and Income Solutions segment provides retirement, and related financial products and services. This segment offers products and services for defined contribution plans, including 401(k) and 403(b) plans, defined benefit plans, nonqualified executive benefit plans, employee stock ownership plans, equity compensation, and pension risk transfer services; individual retirement accounts; investment only products; and mutual funds, individual variable annuities, registered index-linked annuities, and bank products, as well as trust and custody services. The Principal Asset Management segment provides equity, fixed income, real estate, and other alternative investments, as well as fund offerings. This segment also offers pension accumulation products and services, mutual funds, asset management, income annuities, and life insurance accumulation products, as well as voluntary savings plans. The Benefits and Protection segment provides specialty benefits, such as group dental and vision insurance, group life and other insurance, and group and individual disability insurance, as well as administers group dental, disability, and vision benefits; and individual life insurance products comprising universal, variable universal, indexed universal, and term life insurance products. This segment also offers insurance solutions for small and medium-sized businesses and their owners, as well as employees. The company was founded in 1879 and is based in Des Moines, Iowa.
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