Principal Financial Group, Inc. Logo

Principal Financial Group, Inc.

PFG

(3.5)
Stock Price

86,56 USD

0.44% ROA

11.5% ROE

15.93x PER

Market Cap.

19.886.118.080,00 USD

36.16% DER

3.25% Yield

8.05% NPM

Principal Financial Group, Inc. Stock Analysis

Principal Financial Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Principal Financial Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (37%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Net Profit Growth

Over the last five years, this company's net profit has shown continuous growth, reflecting a robust financial performance and making it an attractive choice for potential investors.

3 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last five years, showcasing a commitment to rewarding shareholders.

4 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

5 ROE

The stock's ROE falls within an average range (14.66%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (0.53%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 PBV

The stock's PBV ratio (1.62x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

8 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

9 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

10 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (1.074), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

11 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

Principal Financial Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Principal Financial Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Principal Financial Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Principal Financial Group, Inc. Revenue
Year Revenue Growth
2000 8.205.400.000
2001 8.817.500.000 6.94%
2002 8.822.500.000 0.06%
2003 9.404.200.000 6.19%
2004 8.303.700.000 -13.25%
2005 9.007.700.000 7.82%
2006 9.870.500.000 8.74%
2007 10.906.500.000 9.5%
2008 9.935.900.000 -9.77%
2009 8.849.100.000 -12.28%
2010 8.041.900.000 -10.04%
2011 8.709.600.000 7.67%
2012 9.175.400.000 5.08%
2013 9.606.800.000 4.49%
2014 10.554.800.000 8.98%
2015 11.964.400.000 11.78%
2016 12.394.100.000 3.47%
2017 14.093.200.000 12.06%
2018 14.237.200.000 1.01%
2019 16.222.100.000 12.24%
2020 14.741.700.000 -10.04%
2021 14.262.700.000 -3.36%
2022 17.491.600.000 18.46%
2023 18.394.800.000 4.91%
2023 13.665.800.000 -34.6%
2024 17.243.200.000 20.75%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Principal Financial Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Principal Financial Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 1.919.200.000 100%
2011 0 0%
2012 2.934.100.000 100%
2013 3.292.900.000 10.9%
2014 3.574.300.000 7.87%
2015 3.672.400.000 2.67%
2016 3.732.600.000 1.61%
2017 3.893.800.000 4.14%
2018 4.136.700.000 5.87%
2019 4.503.900.000 8.15%
2020 4.646.500.000 3.07%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Principal Financial Group, Inc. EBITDA
Year EBITDA Growth
2000 620.200.000
2001 1.161.300.000 46.59%
2002 803.600.000 -44.51%
2003 1.666.900.000 51.79%
2004 1.326.300.000 -25.68%
2005 1.253.000.000 -5.85%
2006 1.703.800.000 26.46%
2007 1.555.900.000 -9.51%
2008 598.600.000 -159.92%
2009 861.300.000 30.5%
2010 1.108.200.000 22.28%
2011 1.067.200.000 -3.84%
2012 1.214.600.000 12.14%
2013 1.396.900.000 13.05%
2014 1.766.200.000 20.91%
2015 1.604.600.000 -10.07%
2016 1.733.000.000 7.41%
2017 2.433.800.000 28.79%
2018 1.982.300.000 -22.78%
2019 1.870.200.000 -5.99%
2020 1.912.700.000 2.22%
2021 2.312.100.000 17.27%
2022 6.315.400.000 63.39%
2023 6.419.600.000 1.62%
2023 -76.000.000 8546.84%
2024 -13.200.000 -475.76%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Principal Financial Group, Inc. Gross Profit
Year Gross Profit Growth
2000 8.205.400.000
2001 8.817.500.000 6.94%
2002 8.822.500.000 0.06%
2003 9.404.200.000 6.19%
2004 8.303.700.000 -13.25%
2005 9.007.700.000 7.82%
2006 9.870.500.000 8.74%
2007 10.906.500.000 9.5%
2008 9.935.900.000 -9.77%
2009 8.849.100.000 -12.28%
2010 9.158.600.000 3.38%
2011 8.709.600.000 -5.16%
2012 9.175.400.000 5.08%
2013 9.289.500.000 1.23%
2014 10.477.600.000 11.34%
2015 11.964.400.000 12.43%
2016 12.394.100.000 3.47%
2017 14.093.200.000 12.06%
2018 14.237.200.000 1.01%
2019 16.222.100.000 12.24%
2020 14.741.700.000 -10.04%
2021 14.262.700.000 -3.36%
2022 17.491.600.000 18.46%
2023 18.394.800.000 4.91%
2023 13.665.800.000 -34.6%
2024 17.243.200.000 20.75%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Principal Financial Group, Inc. Net Profit
Year Net Profit Growth
2000 620.200.000
2001 358.800.000 -72.85%
2002 142.300.000 -152.14%
2003 746.300.000 80.93%
2004 825.600.000 9.61%
2005 919.000.000 10.16%
2006 1.064.300.000 13.65%
2007 860.300.000 -23.71%
2008 458.100.000 -87.8%
2009 622.700.000 26.43%
2010 877.800.000 29.06%
2011 715.000.000 -22.77%
2012 841.000.000 14.98%
2013 1.092.900.000 23.05%
2014 1.350.900.000 19.1%
2015 1.234.000.000 -9.47%
2016 1.316.500.000 6.27%
2017 2.310.400.000 43.02%
2018 1.546.500.000 -49.4%
2019 1.394.200.000 -10.92%
2020 1.395.800.000 0.11%
2021 1.580.200.000 11.67%
2022 4.756.900.000 66.78%
2023 4.984.800.000 4.57%
2023 623.200.000 -699.87%
2024 1.412.400.000 55.88%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Principal Financial Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 2
2001 1 0%
2002 0 0%
2003 2 100%
2004 3 0%
2005 3 33.33%
2006 4 0%
2007 3 0%
2008 2 -200%
2009 2 0%
2010 2 50%
2011 2 -100%
2012 3 50%
2013 3 0%
2014 4 33.33%
2015 4 25%
2016 5 0%
2017 8 50%
2018 5 -60%
2019 5 0%
2020 5 0%
2021 6 16.67%
2022 19 66.67%
2023 21 10%
2023 3 -900%
2024 6 66.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Principal Financial Group, Inc. Free Cashflow
Year Free Cashflow Growth
2000 2.334.300.000
2001 2.596.500.000 10.1%
2002 4.299.000.000 39.6%
2003 2.332.100.000 -84.34%
2004 1.866.500.000 -24.95%
2005 2.123.300.000 12.09%
2006 2.198.900.000 3.44%
2007 2.746.400.000 19.94%
2008 2.119.800.000 -29.56%
2009 2.216.800.000 4.38%
2010 2.770.200.000 19.98%
2011 2.656.400.000 -4.28%
2012 3.042.000.000 12.68%
2013 2.161.800.000 -40.72%
2014 2.966.900.000 27.14%
2015 4.240.700.000 30.04%
2016 3.702.900.000 -14.52%
2017 4.023.200.000 7.96%
2018 5.064.200.000 20.56%
2019 5.360.800.000 5.53%
2020 3.629.800.000 -47.69%
2021 3.088.900.000 -17.51%
2022 3.056.600.000 -1.06%
2023 3.690.400.000 17.17%
2023 1.028.799.999 -258.71%
2024 1.413.800.000 27.23%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Principal Financial Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2000 2.637.300.000
2001 3.944.800.000 33.14%
2002 5.564.000.000 29.1%
2003 3.713.800.000 -49.82%
2004 2.255.900.000 -64.63%
2005 2.384.200.000 5.38%
2006 2.278.500.000 -4.64%
2007 2.960.000.000 23.02%
2008 2.224.800.000 -33.05%
2009 2.243.000.000 0.81%
2010 2.791.700.000 19.65%
2011 2.713.300.000 -2.89%
2012 3.080.900.000 11.93%
2013 2.221.200.000 -38.7%
2014 3.102.900.000 28.42%
2015 4.377.100.000 29.11%
2016 3.857.800.000 -13.46%
2017 4.188.000.000 7.88%
2018 5.156.500.000 18.78%
2019 5.493.200.000 6.13%
2020 3.738.600.000 -46.93%
2021 3.218.800.000 -16.15%
2022 3.172.900.000 -1.45%
2023 3.792.400.000 16.34%
2023 1.050.599.999 -260.97%
2024 1.431.700.000 26.62%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Principal Financial Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2000 303.000.000
2001 1.348.300.000 77.53%
2002 1.265.000.000 -6.58%
2003 1.381.700.000 8.45%
2004 389.400.000 -254.83%
2005 260.900.000 -49.25%
2006 79.600.000 -227.76%
2007 213.600.000 62.73%
2008 105.000.000 -103.43%
2009 26.200.000 -300.76%
2010 21.500.000 -21.86%
2011 56.900.000 62.21%
2012 38.900.000 -46.27%
2013 59.400.000 34.51%
2014 136.000.000 56.32%
2015 136.400.000 0.29%
2016 154.900.000 11.94%
2017 164.800.000 6.01%
2018 92.300.000 -78.55%
2019 132.400.000 30.29%
2020 108.800.000 -21.69%
2021 129.900.000 16.24%
2022 116.300.000 -11.69%
2023 102.000.000 -14.02%
2023 21.800.000 -367.89%
2024 17.900.000 -21.79%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Principal Financial Group, Inc. Equity
Year Equity Growth
2000 6.252.500.000
2001 6.820.300.000 8.33%
2002 6.657.200.000 -2.45%
2003 7.399.600.000 10.03%
2004 7.544.300.000 1.92%
2005 7.807.200.000 3.37%
2006 7.860.800.000 0.68%
2007 7.421.700.000 -5.92%
2008 2.472.800.000 -200.13%
2009 8.016.400.000 69.15%
2010 9.885.000.000 18.9%
2011 10.013.000.000 1.28%
2012 9.833.600.000 -1.82%
2013 10.024.200.000 1.9%
2014 10.290.000.000 2.58%
2015 9.463.100.000 -8.74%
2016 10.391.300.000 8.93%
2017 13.023.200.000 20.21%
2018 11.847.200.000 -9.93%
2019 14.950.700.000 20.76%
2020 16.872.900.000 11.39%
2021 16.514.700.000 -2.17%
2022 10.304.800.000 -60.26%
2023 10.671.600.000 3.44%
2023 10.961.700.000 2.65%
2024 11.336.400.000 3.31%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Principal Financial Group, Inc. Assets
Year Assets Growth
2000 84.404.900.000
2001 88.350.500.000 4.47%
2002 89.861.300.000 1.68%
2003 107.754.400.000 16.61%
2004 113.798.100.000 5.31%
2005 127.035.400.000 10.42%
2006 143.658.100.000 11.57%
2007 154.520.200.000 7.03%
2008 128.182.400.000 -20.55%
2009 137.759.400.000 6.95%
2010 145.631.100.000 5.41%
2011 148.298.000.000 1.8%
2012 161.926.500.000 8.42%
2013 208.191.400.000 22.22%
2014 219.087.000.000 4.97%
2015 218.685.900.000 -0.18%
2016 228.014.300.000 4.09%
2017 253.941.200.000 10.21%
2018 243.036.100.000 -4.49%
2019 291.050.700.000 16.5%
2020 313.472.900.000 7.15%
2021 321.214.700.000 2.41%
2022 303.004.800.000 -6.01%
2023 287.900.000.000 -5.25%
2023 305.000.000.000 5.61%
2024 288.830.200.000 -5.6%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Principal Financial Group, Inc. Liabilities
Year Liabilities Growth
2000 78.152.400.000
2001 81.530.200.000 4.14%
2002 83.204.100.000 2.01%
2003 100.354.800.000 17.09%
2004 106.253.800.000 5.55%
2005 119.228.200.000 10.88%
2006 135.797.300.000 12.2%
2007 147.098.500.000 7.68%
2008 125.709.600.000 -17.01%
2009 129.743.000.000 3.11%
2010 135.746.100.000 4.42%
2011 138.285.000.000 1.84%
2012 152.092.900.000 9.08%
2013 198.167.200.000 23.25%
2014 208.797.000.000 5.09%
2015 209.222.800.000 0.2%
2016 217.623.000.000 3.86%
2017 240.918.000.000 9.67%
2018 231.188.900.000 -4.21%
2019 276.100.000.000 16.27%
2020 296.600.000.000 6.91%
2021 304.700.000.000 2.66%
2022 292.700.000.000 -4.1%
2023 277.228.400.000 -5.58%
2023 293.836.100.000 5.65%
2024 277.493.800.000 -5.89%

Principal Financial Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
66.95
Net Income per Share
5.39
Price to Earning Ratio
15.93x
Price To Sales Ratio
1.27x
POCF Ratio
5.01
PFCF Ratio
5.07
Price to Book Ratio
1.82
EV to Sales
1.22
EV Over EBITDA
9.07
EV to Operating CashFlow
4.75
EV to FreeCashFlow
4.85
Earnings Yield
0.06
FreeCashFlow Yield
0.2
Market Cap
19,89 Bil.
Enterprise Value
19,05 Bil.
Graham Number
75.58
Graham NetNet
-1196.1

Income Statement Metrics

Net Income per Share
5.39
Income Quality
3.18
ROE
0.11
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.8
EBT Per Ebit
1
Ebit per Revenue
0.1
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.1
Pretax Profit Margin
0.1
Net Profit Margin
0.08

Dividends

Dividend Yield
0.03
Dividend Yield %
3.25
Payout Ratio
0.51
Dividend Per Share
2.79

Operating Metrics

Operating Cashflow per Share
17.15
Free CashFlow per Share
16.79
Capex to Operating CashFlow
0.02
Capex to Revenue
0.01
Capex to Depreciation
0.28
Return on Invested Capital
0.09
Return on Tangible Assets
0
Days Sales Outstanding
553.2
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.66
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.36

Balance Sheet

Cash per Share
26,77
Book Value per Share
48,49
Tangible Book Value per Share
35.7
Shareholders Equity per Share
47.11
Interest Debt per Share
17.01
Debt to Equity
0.36
Debt to Assets
0.01
Net Debt to EBITDA
-0.4
Current Ratio
0.5
Tangible Asset Value
8,35 Bil.
Net Current Asset Value
-266,42 Bil.
Invested Capital
-7140600000
Working Capital
-10,94 Bil.
Intangibles to Total Assets
0.01
Average Receivables
23,87 Bil.
Average Payables
18,81 Bil.
Average Inventory
-51977450000
Debt to Market Cap
0.2

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Principal Financial Group, Inc. Dividends
Year Dividends Growth
2002 0
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 100%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 50%
2019 2 0%
2020 2 0%
2021 2 0%
2022 3 0%
2023 3 0%
2024 2 0%

Principal Financial Group, Inc. Profile

About Principal Financial Group, Inc.

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 Global Investors, Principal International, and U.S. Insurance Solutions segments. The Retirement and Income Solutions segment provides a portfolio of asset accumulation products and services for retirement savings and income. It offers products and services for defined contribution plans, including 401(k) and 403(b) plans, defined benefit pension 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, and bank products. The Principal Global Investors segment provides equity, fixed income, real estate, and other alternative investments, as well as asset allocation, stable value management, and other structured investment strategies. The Principal International segment offers pension accumulation products and services, mutual funds, asset management, income annuities, and life insurance accumulation products, as well as voluntary savings plans in Brazil, Chile, Mexico, China, Hong Kong Special Administrative Region, India, and Southeast Asia. The U.S. Insurance Solutions segment provides specialty benefits, such as group dental and vision insurance, group life 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 in the United States. It also offers insurance solutions for small and medium-sized businesses and their owners, as well as executives. Principal Financial Group, Inc. was founded in 1879 and is based in Des Moines, Iowa.

CEO
Mr. Daniel Joseph Houston
Employee
19.800
Address
711 High Street
Des Moines, 50392

Principal Financial Group, Inc. Executives & BODs

Principal Financial Group, Inc. Executives & BODs
# Name Age
1 Ms. Deanna Dawnette Strable-Soethout
President, Chief Financial Officer & Chief Operating Officer
70
2 Ms. Noreen M. Fierro
Senior Vice President and Enterprise Chief Ethics & Compliance Officer
70
3 Mr. Jon N. Couture
Executive Vice President of Principal Global Services & Chief Human Resources Officer
70
4 Mr. Vivek Agrawal
Executive Vice President, Chief Growth Officer & Senior Advisor
70
5 Mr. Daniel Joseph Houston
Chairman & Chief Executive Officer
70
6 Ms. Bethany A. Wood
Executive Vice President & Chief Marketing Officer
70
7 Ms. Amy Christine Friedrich
President of Benefits & Protection
70
8 Ms. Natalie Lamarque
Executive Vice President, General Counsel & Company Secretary
70
9 Ms. Kathleen B. Kay
Executive Vice President & Chief Information Officer
70
10 Mr. Humphrey Lee
Vice President & Head of Investor Relations
70

Principal Financial Group, Inc. Competitors