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Upturn AI SWOT - About
PFG 
Principal Financial Group Inc (PFG)
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Upturn Advisory Summary
07/09/2025: 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 $82.5
1 Year Target Price $82.5
| 1 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 1 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.61% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.27B USD | Price to earnings Ratio 17.19 | 1Y Target Price 82.5 |
Price to earnings Ratio 17.19 | 1Y Target Price 82.5 | ||
Volume (30-day avg) 12 | Beta 1 | 52 Weeks Range 67.72 - 89.50 | Updated Date 07/9/2025 |
52 Weeks Range 67.72 - 89.50 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 3.83% | Basic EPS (TTM) 4.74 |
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 6.89% | Operating Margin (TTM) 1.72% |
Management Effectiveness
Return on Assets (TTM) 0.28% | Return on Equity (TTM) 9.73% |
Valuation
Trailing PE 17.19 | Forward PE 10.06 | Enterprise Value 18452358167 | Price to Sales(TTM) 1.16 |
Enterprise Value 18452358167 | Price to Sales(TTM) 1.16 | ||
Enterprise Value to Revenue 1.17 | Enterprise Value to EBITDA - | Shares Outstanding 224191008 | Shares Floating 222695422 |
Shares Outstanding 224191008 | Shares Floating 222695422 | ||
Percent Insiders 1.11 | Percent Institutions 75.85 |
Upturn AI SWOT
Principal Financial Group Inc
Company Overview
History and Background
Principal Financial Group was founded in 1879 as Bankers Life Association. It evolved from a mutual assessment association to a global investment management and insurance company, undergoing several name changes before adopting Principal Financial Group in 1985. It became a publicly traded company in 2001.
Core Business Areas
- Retirement and Income Solutions: Offers retirement savings and income solutions, including 401(k) plans, defined benefit plans, individual retirement accounts (IRAs), and annuities.
- Principal Global Investors: Provides investment management services to institutional and retail clients globally across various asset classes.
- Principal International: Focuses on retirement savings and investment management in select international markets, primarily in Latin America and Asia.
Leadership and Structure
The CEO of Principal Financial Group is Dan Houston. The company operates with a structure comprising various business units, including Retirement and Income Solutions, Principal Global Investors, and Principal International, each with its own leadership team reporting to the CEO. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Retirement Savings Plans (401(k)): Offers 401(k) plans to employers of all sizes. Competitors include Fidelity, Vanguard, and T. Rowe Price. Market share data varies but is consistently among the top providers. Exact revenue is proprietary but represents a significant portion of total revenue.
- Annuities: Provides fixed and variable annuities to individuals seeking retirement income. Competitors include Lincoln Financial, Athene, and Prudential. Principal holds a considerable share within the annuity market.
- Investment Management Services: Offers a range of investment products and services to institutional and retail investors. Competitors include BlackRock, Vanguard, and State Street. Principal Global Investors manages assets for a wide range of clients. AUM in billions.
Market Dynamics
Industry Overview
The financial services industry is characterized by intense competition, evolving regulatory landscapes, and fluctuating interest rates. Technological advancements and demographic shifts are also influencing the industry.
Positioning
Principal Financial Group is a well-established player in the retirement and investment management industry, with a strong presence in the U.S. and select international markets. Its competitive advantages include a diversified business model, a strong brand reputation, and a focus on customer service.
Total Addressable Market (TAM)
The TAM for retirement and investment solutions is estimated to be in the trillions of dollars globally. Principal is well-positioned to capture a share of this market due to its diversified product offerings and global presence.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong brand reputation
- Experienced management team
- Global presence
- Strong distribution network
Weaknesses
- Exposure to market volatility
- Dependence on interest rates
- High operating expenses
- Complexity of financial products
- Regulatory risks
Opportunities
- Growing demand for retirement savings solutions
- Expansion into new markets
- Technological advancements
- Strategic acquisitions
- Partnerships
Threats
- Increased competition
- Economic downturns
- Regulatory changes
- Cybersecurity risks
- Changing demographics
Competitors and Market Share
Key Competitors
- Vanguard (not publicly traded)
- Fidelity (not publicly traded)
- Prudential Financial (PRU)
- T. Rowe Price (TROW)
- Lincoln National Corporation (LNC)
Competitive Landscape
Principal Financial Group competes with a range of companies in the retirement and investment management industry. Its strengths include a diversified business model and a strong brand reputation. Its weaknesses include exposure to market volatility and dependence on interest rates.
Major Acquisitions
RobustWealth
- Year: 2019
- Acquisition Price (USD millions): 30
- Strategic Rationale: Acquisition of a fintech firm to enhance digital advisory capabilities and serve smaller retirement plans.
Growth Trajectory and Initiatives
Historical Growth: Principal Financial Group's growth has been driven by its retirement and investment management businesses, as well as its international expansion.
Future Projections: Analyst estimates for future growth vary, but generally reflect expectations for continued growth in the retirement and investment management markets.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion into new markets, and acquisitions to enhance product offerings.
Summary
Principal Financial Group is a well-established financial services company with a diversified business model, providing retirement, asset management, and insurance products globally. It faces competition and market volatility, but has a strong brand, global presence and focus on digital transformation. It can capitalize on growing demand for retirement solutions but needs to mitigate economic downturns and regulatory changes. With ongoing investment in technology and international expansion, Principal Financial Group remains a significant player in the financial industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Financial news sources
- Industry reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market data is subject to change. Market share data is approximate.
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 & Director 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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