Stocks · Financial Services · Asset Management
Principal Financial Group, Inc. PFG
$111.96 -0.25% Close, Oct 2, 2026 · NASDAQ · Market cap $23.97B
Strong trend
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $7.03, up 41.4% year over year.
- The shares trade at 15.9× trailing earnings, higher than 85% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 234 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth48Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 40%
- EPS growth (TTM, YoY)Top 25%
- FCF growth (TTM, YoY)Bottom 45%
- Revenue growth, 3-year CAGRBottom 5%
- Revenue growth accelerationTop 16%
Quality61Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 3%
- Gross marginBottom 21%
- Operating marginBottom 26%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Top 21%
- Interest coverTop 1%
Value69Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 48%
- Free-cash-flow yieldTop 14%
- EBITDA / enterprise valueTop 39%
- Sales / enterprise valueTop 18%
- P/E vs own 5-year history (lower is better)Bottom 21%
Momentum81Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 19%
- 6-month returnTop 15%
- 1-year return vs S&P 500Top 16%
- Distance from 52-week highTop 38%
- Trend checklist (0–4)Top 48%
Revisions12Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 32%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 14%
- Upside to consensus price targetBottom 8%
Stability57Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 45%
- Maximum drawdown, 3 yearsTop 33%
- Beta vs S&P 500 (lower is better)Bottom 28%
- Net debt / EBITDA (lower is better)Top 21%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -2.0% | 3.7% | ↑ |
| EPS growth (YoY) | 49.5% | 41.4% | ↓ |
| Gross margin | 45.1% | 48.5% | ↑ |
| Operating margin | 8.9% | 12.1% | ↑ |
| FCF margin | 28.4% | 30.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.7% | -2.0% | ↑ | Bottom 40% |
| EPS growth (TTM, YoY) | 41.4% | 49.5% | ↓ | Top 25% |
| Gross margin | 48.5% | 45.1% | ↑ | Bottom 21% |
| Operating margin | 12.1% | 8.9% | ↑ | Bottom 26% |
| Net margin | 9.9% | 7.5% | ↑ | — |
| Free-cash-flow margin | 30.9% | 28.4% | ↑ | — |
| Return on invested capital | -19.3% | — | Bottom 3% | |
| Revenue growth, 3-year CAGR | -3.8% | — | Bottom 5% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- -0.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -3.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.48×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 190.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.90%
- Net buyback yield (TTM)
- 3.80%
- Shareholder yield
- 6.70%
- Share count change, 1 year
- -3.4%
- Share count change, 3-year CAGR
- -3.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 29, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +0.9%
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $109.00
- Target vs current price
- -2.6%
- Analysts with a rating
- 25
- Share rating Buy or Strong Buy
- 20%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +6.8% | +1.7% | +3.9% | +1.2% | — |
| Apr 23, 2026 | +3.0% | -0.4% | +2.3% | +5.5% | +15.0% |
| Feb 9, 2026 | -1.8% | -1.4% | -7.1% | -6.9% | +3.6% |
| Oct 27, 2025 | -4.5% | -0.1% | +5.6% | +5.9% | +15.7% |
| Jul 28, 2025 | +9.6% | -0.8% | -6.8% | -0.4% | -2.6% |
| Apr 24, 2025 | -0.5% | +1.3% | +0.1% | +4.5% | +6.3% |
| Feb 6, 2025 | +0.5% | -0.7% | +5.4% | +7.5% | -4.6% |
| Oct 24, 2024 | -11.6% | +0.1% | -5.7% | -6.1% | -8.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $2.50 | $2.34 | +6.8% | $4.00B |
| Apr 23, 2026 | $2.07 | $2.01 | +3.0% | $3.52B |
| Feb 9, 2026 | $2.19 | $2.23 | -1.8% | $4.46B |
| Oct 27, 2025 | $2.10 | $2.20 | -4.5% | $3.68B |
| Jul 28, 2025 | $2.16 | $1.97 | +9.6% | $3.67B |
| Apr 24, 2025 | $1.81 | $1.82 | -0.5% | $3.70B |
| Feb 6, 2025 | $1.94 | $1.93 | +0.5% | $4.75B |
| Oct 24, 2024 | $1.76 | $1.99 | -11.6% | $3.01B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.9× | 12.8× | 85th | Bottom 48% |
| P/E (forward) | 11.7× | — | — | — |
| EV / EBITDA | 12.1× | — | — | Top 39% |
| EV / Sales | 1.47× | — | — | Top 18% |
| Free-cash-flow yield | 20.24% | — | — | Top 14% |
| Earnings yield | 6.28% | — | — | Bottom 48% |
P/E over the past five years
Range 4.2× – 32.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +34.8%
- Earnings per share growth (TTM)
- +41.4%
- Change in P/E multiple
- +4.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 234
- 50-day average slope (20 days)
- +1.6%
- 200-day average slope (20 days)
- +3.0%
- Distance from 50-day average
- -1.6%
- Distance from 200-day average
- +10.2%
- RSI (14)
- 42.7
- Relative volume
- 0.72×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.6%
- Volatility vs own 5-year history
- 27th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.89
- Correlation with S&P 500
- 0.57
- Current drawdown from 1-year high
- -5.5%
- Maximum drawdown, 3 years
- -23.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 11, 2022 | May 31, 2023 | -31.1% | 136 days | 670 days (Feb 2, 2026) |
| Feb 9, 2022 | Jul 14, 2022 | -22.6% | 106 days | 21 days (Aug 12, 2022) |
| Feb 26, 2026 | Mar 20, 2026 | -12.8% | 16 days | 24 days (Apr 24, 2026) |
| Oct 23, 2020 | Oct 28, 2020 | -12.1% | 3 days | 8 days (Nov 9, 2020) |
| May 17, 2021 | Jul 19, 2021 | -11.5% | 43 days | 17 days (Aug 11, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $23.97B
- P/E (TTM)
- 15.9
- EPS, diluted (TTM)
- $7.03
- Revenue (TTM)
- $15.69B
- Dividend yield
- 2.90%
- 52-week range
- $77.90 – $121.18
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $14.43B | $17.54B | $13.67B | $16.13B | $15.63B |
| Gross profit | $7.08B | $11.04B | $5.90B | $7.35B | $7.06B |
| Operating income | $1.91B | $5.99B | $738.8M | $1.89B | $1.42B |
| Net income | $1.58B | $4.76B | $623.2M | $1.57B | $1.19B |
| EPS (diluted) | $5.79 | $18.63 | $2.55 | $6.68 | $5.25 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.01B | $4.75B | $3.70B | $3.67B | $3.68B | $4.58B | $3.53B | $3.91B |
| Net income | -$220.0M | $905.4M | $48.1M | $406.2M | $213.8M | $517.0M | $412.9M | $403.4M |
| EPS (diluted) | -$0.95 | $3.92 | $0.21 | $1.79 | $0.94 | $2.32 | $1.93 | $1.84 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $3.22B | $3.17B | $3.79B | $4.60B | $4.54B |
| Capital expenditure | -$129.9M | -$116.3M | -$102.0M | -$68.8M | -$98.0M |
| Free cash flow | $3.09B | $3.06B | $3.69B | $4.53B | $4.44B |
| Dividends paid | -$654.1M | -$642.3M | -$625.5M | -$658.4M | -$684.0M |
| Net share buybacks | -$850.5M | -$1.51B | -$682.6M | -$974.7M | -$859.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $5.26B
- Total assets
- $352.75B
- Total liabilities
- $339.86B
- Total debt
- $4.34B
- Net debt
- -$918.9M
- Shareholders’ equity
- $12.14B
As of Jun 30, 2026 (filed Jul 29, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 3, 2026 | $0.84 | Sep 25, 2026 |
| Jun 1, 2026 | $0.82 | Jun 26, 2026 |
| Mar 11, 2026 | $0.80 | Mar 27, 2026 |
| Dec 3, 2025 | $0.79 | Dec 19, 2025 |
| Sep 4, 2025 | $0.78 | Sep 26, 2025 |
| Jun 2, 2025 | $0.76 | Jun 27, 2025 |
| Mar 12, 2025 | $0.75 | Mar 28, 2025 |
| Dec 2, 2024 | $0.73 | Dec 18, 2024 |
Short interest
- Shares sold short
- 9,453,804
- Days to cover
- 6.43
- Change vs previous report
- -5.8%
FINRA short interest, settlement date Sep 15, 2026.