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PFG 
Principal Financial Group Inc (PFG)
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Upturn Advisory Summary
11/05/2025: PFG (1-star) is currently NOT-A-BUY. Pass it for now.
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 $88.75
1 Year Target Price $88.75
| 1 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 1 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.33% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.20B USD | Price to earnings Ratio 12.15 | 1Y Target Price 88.75 |
Price to earnings Ratio 12.15 | 1Y Target Price 88.75 | ||
Volume (30-day avg) 12 | Beta 0.9 | 52 Weeks Range 67.06 - 87.76 | Updated Date 11/7/2025 |
52 Weeks Range 67.06 - 87.76 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 3.66% | 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 2025-10-23 | When After Market | Estimate 2.17 | Actual 2.1 |
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 12.15 | Forward PE 9.12 | Enterprise Value 19058568838 | Price to Sales(TTM) 1.15 |
Enterprise Value 19058568838 | Price to Sales(TTM) 1.15 | ||
Enterprise Value to Revenue 1.26 | Enterprise Value to EBITDA - | Shares Outstanding 219693843 | Shares Floating 218094472 |
Shares Outstanding 219693843 | Shares Floating 218094472 | ||
Percent Insiders 1.14 | Percent Institutions 76.56 |
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 insurance company to a publicly traded company in 2001, becoming Principal Financial Group Inc.
Core Business Areas
- Retirement and Income Solutions: Offers retirement plans, investment products, and annuities to individuals and businesses.
- Principal Global Investors: Provides asset management services to institutional and individual investors worldwide.
- Principal International: Provides retirement and investment solutions in Latin America and Asia.
- US Insurance Solutions: Offers group life, disability, and voluntary employee benefits.
Leadership and Structure
The leadership team includes Dan Houston (Chairman, President and CEO). The company operates with a functional organizational structure across its business segments.
Top Products and Market Share
Key Offerings
- Retirement Plans: Offers 401(k), 403(b), and other retirement plans. Market share is estimated at around 4.2% in the US retirement plan market. Competitors include Fidelity, Vanguard, and T. Rowe Price. Significant revenue is derived from management fees and plan administration.
- Annuities: Provides fixed and variable annuities for retirement income. Competitors include Athene, Jackson National, and Lincoln Financial. Variable annuity market share is roughly 1.5%. The number of annuity policy holders has been growing steadily in recent years.
- Asset Management: Principal Global Investors manages assets for institutions and individuals. AUM is approximately $663 billion (as of Dec 31, 2023). Competitors include BlackRock, Vanguard, and State Street.
Market Dynamics
Industry Overview
The financial services industry is undergoing significant change driven by regulatory shifts, technological advancements, and evolving customer preferences. Growing demand for retirement planning and asset management services drives this sector.
Positioning
Principal Financial Group is a diversified financial services company focusing on retirement, asset management, and insurance. Their competitive advantage lies in their diverse product offerings, global reach, and strong distribution network.
Total Addressable Market (TAM)
The global retirement assets market is estimated to be worth trillions of dollars. Principal is positioned well with global growth strategies targeting Latin America and Asia and aims to capture a small portion of the growing market.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Strong brand reputation
- Global presence
- Robust distribution network
- Strong investment management capabilities
Weaknesses
- Exposure to market volatility
- High operating expenses
- Complexity of regulatory environment
- Reliance on interest rate environment
Opportunities
- Growing demand for retirement solutions
- Expansion into emerging markets
- Technological innovation in financial services
- Increasing demand for ESG investing
Threats
- Intense competition
- Regulatory changes
- Economic downturns
- Interest rate fluctuations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PRU
- LNC
- TROW
- BLK
- IVZ
- AMG
Competitive Landscape
Principal Financial Group competes with other large financial services companies. Its advantages include a diversified business model and global presence. Disadvantages may include higher operating expenses compared to some competitors.
Major Acquisitions
Integon National Insurance Company
- Year: 2005
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded Principal's presence in the specialty auto insurance market. This allowed Principal to have a foot-hold in a new area.
RobustWealth
- Year: 2018
- Acquisition Price (USD millions): 47
- Strategic Rationale: Digital advisor that leverages technology to simplify wealth management. The addition of RobustWealth provided a new digital advisory platform to financial professionals.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is typically evaluated by assessing revenue, profit, and asset growth over the past several years.
Future Projections: Future growth projections are usually provided by financial analysts and can be found on financial news websites.
Recent Initiatives: Recent initiatives may include acquisitions, new product launches, and expansion into new markets.
Summary
Principal Financial Group is a well-established financial services company with diverse revenue streams. Strong retirement and asset management segments contribute to the company's revenue. The company is also susceptible to market fluctuations. Growth opportunities exist in expanding markets and technological innovation.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Industry Reports
Disclaimers:
This analysis is based on available information and is subject to change. Investment decisions should be based on thorough research and professional advice.
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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