Principal Financial Group Inc (PFG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Principal Financial Group Inc stock (PFG) is currently trading at $88.72. Principal Financial Group Inc PE ratio is 16.71. Principal Financial Group Inc PS ratio (Price-to-Sales) is 1.23. Analyst consensus price target for PFG is $94.73. WallStSmart rates PFG as Hold.
- PFG PE ratio analysis and historical PE chart
- PFG PS ratio (Price-to-Sales) history and trend
- PFG intrinsic value — DCF, Graham Number, EPV models
- PFG stock price prediction 2025 2026 2027 2028 2029 2030
- PFG fair value vs current price
- PFG insider transactions and insider buying
- Is PFG undervalued or overvalued?
- Principal Financial Group Inc financial analysis — revenue, earnings, cash flow
- PFG Piotroski F-Score and Altman Z-Score
- PFG analyst price target and Smart Rating
Principal Financial Group Inc
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PFG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Principal Financial Group Inc (PFG)
PFG trades 160% above its Graham fair value of $35.70, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Principal Financial Group Inc (PFG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, price/sales. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Principal Financial Group Inc (PFG) Key Strengths (5)
75.61% of shares held by major funds and institutions
Large-cap company with substantial market presence
Good growth relative to its price
Paying $1.23 for every $1 of annual revenue
Trading at 1.55x book value, attractively priced
Supporting Valuation Data
Principal Financial Group Inc (PFG) Areas to Watch (5)
Revenue declining -3.70%, a shrinking business
Earnings declining -40.90%, profits shrinking
Thin operating margins with cost pressures present
Thin profit margins with limited profitability
Moderate profitability with room for improvement
Principal Financial Group Inc (PFG) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.6/10) while 5 fall into concern territory (avg 2.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Institutional Own., Market Cap, PEG Ratio. Valuation metrics including PEG Ratio (1.06), Price/Sales (1.23), Price/Book (1.55) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Operating Margin. Growth concerns include Revenue Growth at -3.70%, EPS Growth at -40.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.50%, Operating Margin at 14.10%, Profit Margin at 7.58%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -3.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Institutional Own., Market Cap) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PFG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PFG's Price-to-Sales ratio of 1.23x trades at a 37% premium to its historical average of 0.9x (85th percentile). The current valuation is 19% below its historical high of 1.52x set in Dec 2007, and 625% above its historical low of 0.17x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Principal Financial Group Inc (PFG) · FINANCIAL SERVICES › ASSET MANAGEMENT
The Big Picture
Principal Financial Group Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 15.6B with 370% decline year-over-year. Profit margins are thin at 7.6%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1050.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 1.7B in free cash flow and 1.7B in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 370% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Margin expansion: can Principal Financial Group Inc push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 3.6%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor ASSET MANAGEMENT industry trends, competitive moves, and regulatory changes that could impact Principal Financial Group Inc.
Bottom Line
Principal Financial Group Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Principal Financial Group Inc(PFG)
NASDAQ
FINANCIAL SERVICES
ASSET MANAGEMENT
USA
Principal Financial Group is an American global financial investment management and insurance company headquartered in Des Moines, Iowa.