Obermatt

Principal Financial

NSQ:PFG · US74251V1026
InsuranceLarge

360

11
EV / EBIT73
Price / Owner Earnings54
Owner Earnings Yield30
Dividend Yield75
Price/Sales37
EV / Gross Profit73
Price/Book34
Returns on capital76
Profit margins40
Cash Conversion71
Accruals48
Owner Earnings Margin68
Sales growth48
Profit Growth77
Long-Term EPS Growth83
Owner Earnings Growth69
Reinvestment8
Price momentum94
Debt load64
Debt serviceability68
Liquidity67
Analyst ratings14
Opinion Changes42
Price Target Upside8
Market mood17
Value Creation18/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Principal Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryInsurance
SizeLarge
TypePublic Company
ExchangeNASDAQGS
Founded2001
Employees12,792
ISINUS74251V1026
Last UpdateApr 2, 2026
Themes
FinanceFinancial ServicesInsurance

Description

Principal Financial Group, Inc. (PFG) is a leader in global financial services, offering businesses, individuals, and institutional clients a wide range of financial products and services, including retirement, asset management, and workplace benefit…

Analysis

Weak and unloved

Principal Financial Group, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is attractive. You pay 13.9× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly 1% yearly growth; analysts expect 11%. The price, in other words, assumes less than the experts do.

The trajectory is moderate and the balance sheet is stretched. The company scores 18/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
43
2023202420252026

All-time high

87

Feb 2026

All-time low

8

Feb 2025

Average rank

30

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
37
66
55
57
Price/Earnings
42
64
47
51
Price/Book
34
61
47
58
Dividend Yield
75
76
66
68
Value (overall)
34
69
44
44

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →