Principal Financial Group, Inc.PFG
NASDAQ • Financial Services
$92.48
P/E
17.52
PEG
—
FCF Yield
—
Rev Growth YoY
+208.0% YoY
Gross Margin
—
Health Score
5/10
D/E Ratio
0.34
Confidence
LOW
Business Snapshot
Principal Financial Group is a diversified financial services company offering retirement, asset management, and insurance solutions primarily to businesses, individuals, and institutional clients across global markets. The company operates in the competitive insurance and asset management industry, where scale, investment performance, and distribution reach are key competitive factors. Based on available valuation ratios and price data, PFG appears to sit in the large-cap tier, though a precise market capitalisation figure is not available in this dataset.
Financial Health
**Score: 5/10** PFG's balance sheet is conservatively structured, with a debt-to-equity ratio of just 0.34x, well below levels that would signal financial stress. Return on equity is a striking 1,026.0%, though this figure, alongside a reported net margin of 740.0%, almost certainly reflects one-time accounting events or asset revaluation rather than normalised operating performance — rendering these metrics unreliable as indicators of sustainable profitability...
Risk Assessment
- **EARNINGS QUALITY:** Earnings growth of -2,094.0% YoY against revenue growth of +208.0% suggests severe one-time distortions that make reported profitability metrics — including a 740.0% net margin and 1,026.0% ROE — statistically unreliable for fundamental analysis. - **DATA COMPLETENESS:** TTM revenue, TTM net income, free cash flow, and gross margin are all absent from the dataset, preventing a full fundamental assessment of the business's true earnings power. - **TECHNICALS:** The stock is trading below both its 50-day and 200-day moving averages, with the MACD in bearish territory and a confirmed death cross — a pattern typically associated with deteriorating medium-term price momentum. - **ANALYST SENTIMENT:** Only 29% of covering analysts rate PFG a Buy, with 65% on Hold and the consensus formally at Sell — a notably weak level of institutional conviction for a large-cap financial. - **EARNINGS EXECUTION:** PFG beat analyst estimates in only 1 of the last 4 quarters reported, signalling a pattern of earnings disappointment relative to expectations. ---...