# Principal Financial Group Inc (PFG) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Capital Markets. Price $112.66, market value $23.9 billion.

## Valuation
- **P/E (trailing): 12.5×** (5-yr avg 14.1×, 3-yr avg 18.6×). Principal Financial Group Inc trades at 12.5× trailing earnings, close to its own five-year average of 14.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 1.4×**. Each dollar of revenue is priced at 1.4×.
- **Price / book: 2.0×**. The shares trade at 2.0× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% of the price is earned each year.

## Profitability
- **Net margin: 7.6%**. 7.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.0%**. 10.0% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -3.1%** (3-yr -3.8%/yr, 5-yr 1.2%/yr). Revenue fell 3.1% over the last year, against 1.2% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -21.4%** (3-yr -34.4%/yr, 5-yr 0.8%/yr). Earnings per share fell 21.4%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $4.4 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.02%** ($3.25 per share, trailing). Principal Financial Group Inc yields 3.02%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 58%**. 58% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 17**. 17 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 6.6%/yr** (1-yr 8.1%). The dividend has grown 6.6% a year over five years.
- **Shareholder yield: 7.3%**. Dividends plus net buybacks return 7.3% of the market value a year.

## Analyst view
- **Analyst consensus: hold** (12 analysts). 12 analysts cover Principal Financial Group Inc; the consensus is hold, with an average price target of $109.67 (-3% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 37.8%** (YTD 30.1%, 3-mo -2.0%). The shares are up 37.8% over twelve months including dividends.
- **From 52-week high: -7.0%** (40.8% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 0.59** (volatility 22%). Beta of 0.59 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PFG · Page: https://foliofundamentals.com/stocks/pfg

Not investment advice.