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Upturn AI SWOT - About
PFG 
Principal Financial Group Inc (PFG)
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Upturn Advisory Summary
08/28/2025: 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 $86
1 Year Target Price $86
| 1 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 1 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.24% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 17.87B USD | Price to earnings Ratio 16.17 | 1Y Target Price 86 |
Price to earnings Ratio 16.17 | 1Y Target Price 86 | ||
Volume (30-day avg) 12 | Beta 1 | 52 Weeks Range 67.72 - 89.50 | Updated Date 08/28/2025 |
52 Weeks Range 67.72 - 89.50 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.66% | Basic EPS (TTM) 4.96 |
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 7.53% | Operating Margin (TTM) 14.09% |
Management Effectiveness
Return on Assets (TTM) 0.29% | Return on Equity (TTM) 10.4% |
Valuation
Trailing PE 16.17 | Forward PE 10.18 | Enterprise Value 18158584337 | Price to Sales(TTM) 1.18 |
Enterprise Value 18158584337 | Price to Sales(TTM) 1.18 | ||
Enterprise Value to Revenue 1.21 | Enterprise Value to EBITDA - | Shares Outstanding 222768000 | Shares Floating 221162281 |
Shares Outstanding 222768000 | Shares Floating 221162281 | ||
Percent Insiders 1.12 | Percent Institutions 75.12 |
Upturn AI SWOT
Principal Financial Group Inc
Company Overview
History and Background
Principal Financial Group was founded in 1879 as Bankers Life Association. It has evolved from a mutual life insurance company to a global financial services company offering retirement, asset management, and insurance solutions.
Core Business Areas
- Retirement and Income Solutions: Provides retirement savings and income solutions, including 401(k) plans, individual retirement accounts (IRAs), annuities, and other retirement products.
- Principal Global Investors: Asset management division offering investment strategies across various asset classes to institutional and retail clients.
- Principal International: Offers retirement and asset management solutions in Latin America and Asia.
- U.S. Insurance Solutions: Provides life, disability, and dental insurance products for individuals and businesses.
Leadership and Structure
Daniel J. Houston serves as the Chairman, President, and CEO. The company operates with a board of directors and a management team overseeing its various business segments.
Top Products and Market Share
Key Offerings
- Retirement Savings Plans (401(k), etc.): Principal is a major provider of retirement savings plans for small and medium-sized businesses. Market share information varies, but they are consistently ranked among the top providers. Competitors include Fidelity, Vanguard, and T. Rowe Price. The US 401K market has an asset value of $7.3 Trillion as of 2023.
- Annuities: Principal offers a range of annuity products to provide guaranteed income in retirement. Competitors include Athene, Lincoln National, and Prudential. The US annuity market is estimated to be around $260 Billion in sales per year.
- Asset Management: Principal Global Investors manages assets for institutional and retail clients worldwide. AUM was $464.8 billion as of December 31, 2023. Competitors include BlackRock, Vanguard, and State Street.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing competition, regulatory changes, and evolving customer needs. Demand for retirement solutions is growing due to an aging population.
Positioning
Principal Financial Group is well-positioned to capitalize on the growing demand for retirement solutions, given its strong brand, established distribution network, and diverse product offerings. Their focus on small and medium-sized businesses provides a competitive advantage.
Total Addressable Market (TAM)
The TAM for retirement and asset management services is vast, encompassing trillions of dollars globally. Principal is positioned to capture a significant share of this market through its various business segments.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Established distribution network
- Diverse product offerings
- Focus on small and medium-sized businesses
- Solid financial performance
Weaknesses
- Exposure to market volatility
- Dependence on interest rates
- Complex regulatory environment
- Competition from larger players
- Geographic concentration in certain markets
Opportunities
- Growing demand for retirement solutions
- Expansion into new markets
- Acquisitions and strategic partnerships
- Technological innovation
- Increasing demand for financial advice
Threats
- Economic downturns
- Rising interest rates
- Increased competition
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PRU
- LNC
- MET
- VOYA
Competitive Landscape
Principal Financial Group competes with a wide range of financial services companies, including large insurance companies, asset managers, and retirement plan providers. Its competitive advantages include its focus on small and medium-sized businesses, its diverse product offerings, and its strong brand.
Major Acquisitions
RobustWealth
- Year: 2018
- Acquisition Price (USD millions): 160
- Strategic Rationale: Acquisition of RobustWealth for expansion in digital investment solutions and wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by expansion in retirement solutions, asset management, and international markets.
Future Projections: Future growth is expected to be driven by increasing demand for retirement solutions, expansion into new markets, and strategic acquisitions.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and acquisitions to enhance product offerings.
Summary
Principal Financial Group is a strong player in the retirement and asset management space, particularly focused on small to medium sized businesses. Its diverse product offerings and solid financial performance are key strengths. However, exposure to market volatility and increasing competition pose potential challenges. Strategic initiatives around technology and global expansion will be critical for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Industry reports
- Financial news websites
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a financial professional. Market share data are estimates and may vary based on source and methodology.
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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