US · PFG
Principal Financial Group, Inc.
- Sector
- Financial Services · Insurance - Diversified
- Headquarters
- Des Moines, IA 50392
- Website
- principal.com
Price · as of 2025-12-31
$101.09
Market cap 20.96B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $67.82 | -32.91% |
| Intrinsic Value(DCF) | $38.33 | -62.08% |
| Graham-Dodd Method(GD) | $26.36 | -73.93% |
| Graham Formula(GF) | $26.62 | -73.67% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $16.76 | $33.49 | $0.00 | $27.49 | $5.24 |
| 2012 | $21.26 | $29.37 | $0.00 | $30.94 | $37.83 |
| 2013 | $30.83 | $31.69 | $5.92 | $27.92 | $27.23 |
| 2014 | $33.99 | $31.55 | $0.00 | $29.30 | $78.04 |
| 2015 | $28.07 | $28.70 | $0.00 | $25.55 | $89.96 |
| 2016 | $45.62 | $36.98 | $0.00 | $30.13 | $52.08 |
| 2017 | $46.66 | $38.79 | $3.58 | $51.97 | $168.14 |
| 2018 | $38.45 | $26.78 | $0.00 | $31.64 | $49.17 |
| 2019 | $33.99 | $25.41 | $0.00 | $38.78 | $107.70 |
| 2020 | $51.88 | $35.88 | $0.00 | $45.90 | $0.00 |
| 2021 | $56.38 | $31.02 | $0.00 | $46.59 | $35.40 |
| 2022 | $69.08 | $51.94 | $0.00 | $89.82 | $545.43 |
| 2023 | $74.36 | $36.66 | $0.00 | $12.86 | $0.00 |
| 2024 | $82.41 | $42.23 | $0.00 | $33.22 | $176.03 |
| 2025 | $95.83 | $67.82 | $0.00 | $26.36 | $26.62 |
AI valuation
Our deep-learning model estimates Principal Financial Group, Inc.'s (PFG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $67.82
- Current price
- $101.09
- AI upside
- -32.91%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$38.33
-62.08% upside
Graham-Dodd
$26.36
-73.93% upside
Graham Formula
$26.62
-73.67% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PFG | Principal Financial Group… | $101.09 | 20.96B | -33% | -62% | -74% | -74% | 18.25 | 1.82 | 1.38 | -4.59 | — | 4.37 | 45.19% | 9.06% | 7.58% | 10.32% | -7.81% | 0.36% | 0.35 | 643.64 | 0.76 | 6.44 | -0.14 | -2141.00% | -311.00% | -210.00% | 20.52% | 0.78 | -27.62% | 3.16% | 57.70% | 7.91% | -5.41 | -1.73 | -0.49 | 0.17 |
| AEG | Aegon Ltd. | $7.50 | 11.36B | +109% | +560% | -65% | +201% | 15.96 | 1.15 | 0.54 | -67.18 | — | 1.22 | 100.00% | 3.37% | 3.52% | 7.89% | -3.69% | 0.21% | 0.54 | 109.50 | 4.14 | 8.47 | 2.40 | -35000.00% | 5040.00% | -1101.00% | 6.75% | 0.10 | -3.99% | 4.95% | 78.90% | 13.73% | -64.93 | -60.00 | -2.19 | 0.19 |
| BNT | Brookfield Wealth Solutio… | $44.41 | 13.67B | +23% | +2,057% | +129% | +1,643% | 4.77 | 0.49 | 0.42 | -10.40 | 16.52 | 0.61 | 20.44% | 8.46% | 8.47% | 11.92% | -9.33% | 1.24% | 0.37 | 3.35 | — | — | -4.33 | 2888.00% | 10620.00% | 23010.00% | 76.10% | — | -34.85% | 0.00% | 0.00% | 120.17% | -15.26 | -4.09 | -1.29 | 0.18 |
| CRBG | Corebridge Financial, Inc… | $25.84 | 13.03B | +15% | -60% | -73% | — | -35.91 | 1.06 | 4.85 | -73.42 | — | 1.06 | 80.89% | -18.73% | -12.67% | -3.16% | 0.95% | -0.10% | 0.83 | -0.98 | 2.84 | 2.84 | 18.45 | -11828.00% | 788.00% | -604.00% | 14.43% | 0.09 | -4.90% | 3.65% | -131.00% | 26.82% | 76.95 | -20.60 | -14.41 | 0.21 |
| EG | Everest Re Group, Ltd. | $335.49 | 14.08B | -18% | -21% | +32% | +8% | 8.84 | 0.91 | 0.81 | 6.45 | 46.21 | 0.91 | 20.52% | 11.28% | 9.19% | 10.85% | 22.83% | 2.68% | 0.23 | 14.06 | 1.52 | 1.52 | 1.10 | 1913.00% | 142.00% | -10000.00% | 0.00% | 0.51 | 0.00% | 2.38% | 21.10% | 23.25% | 6.83 | — | 0.77 | 1.00 |
| EQH | Equitable Holdings, Inc. | $40.22 | 11.52B | +117% | -60% | — | — | -8.75 | -163.11 | 1.03 | 120.56 | — | -2.24 | 79.14% | -10.23% | -11.83% | -182.66% | 1.36% | -0.45% | -61.78 | -5.33 | 25.50 | 111.88 | 133.02 | -22778.00% | -621.00% | 7199.00% | 21.16% | 1.83 | -3.36% | 0.00% | 0.00% | 1066.37% | 97.92 | -45.74 | -10.01 | 0.21 |
| FNF | Fidelity National Financi… | $52.88 | 14.35B | +125% | +30% | -64% | -33% | 23.26 | 1.89 | 0.97 | -23.18 | — | 8.10 | 98.19% | 9.91% | 4.17% | 7.93% | -2.12% | 0.59% | 0.59 | 5.92 | — | — | -42.67 | -5247.00% | 816.00% | -9988.00% | 0.06% | — | -0.03% | 0.00% | 0.00% | 519.48% | -27.09 | -4849.64 | -2.69 | 1.16 |
| KEY | KeyCorp | $20.74 | 22.86B | +167% | +928% | -52% | +147% | 12.52 | 1.12 | 2.05 | 9.67 | — | 1.30 | 62.27% | 20.59% | 16.35% | 9.49% | 12.25% | 0.98% | 0.54 | 0.61 | 0.77 | 0.76 | 4.18 | -57500.00% | 2356.00% | 21369.00% | 8.21% | 0.01 | 12.59% | 4.60% | 57.60% | 17.82% | 9.74 | 11.95 | 2.01 | 0.07 |
| L | Loews Corporation | $110.02 | 22.74B | -38% | -23% | +13% | -4% | 13.24 | 1.26 | 1.29 | 7.51 | 54.40 | 1.35 | 43.93% | 12.56% | 9.17% | 9.91% | 9.00% | 2.11% | 0.51 | 5.22 | 0.00 | 0.46 | 2.70 | 2434.00% | 544.00% | 1283.00% | 11.51% | 0.08 | 13.72% | 0.22% | 2.90% | 3.66% | 10.96 | 9.27 | 1.38 | 0.23 |
| RF | Regions Financial Corpora… | $27.83 | 24.4B | +29% | +4% | -63% | -6% | 11.35 | 1.29 | 2.55 | -3.25 | 60.86 | 1.86 | 74.64% | 28.55% | 22.44% | 11.68% | -17.73% | 1.36% | 0.26 | 1.32 | 0.30 | 0.30 | -2.15 | 1865.00% | 251.00% | 5021.00% | 8.91% | 0.02 | -17.93% | 4.10% | 46.50% | 17.26% | -3.32 | -4.18 | -0.95 | -0.38 |
| UNM | Unum Group | $71.73 | 12B | -38% | -60% | -20% | -40% | 16.84 | 1.12 | 0.95 | 12.79 | — | 1.16 | 38.22% | 7.15% | 5.66% | 6.69% | 5.00% | 1.17% | 0.35 | 4.47 | — | — | 2.96 | -5476.00% | 207.00% | -5997.00% | 4.46% | — | 3.76% | 2.46% | 41.50% | 10.58% | 17.34 | 29.14 | 1.24 | 0.71 |
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
- Deanna Dawnette Strable-Soethout
- Employees
- 19.7K
- Beta
- 0.88
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($38.33 ÷ $101.09) − 1 = -62.08% (DCF, example).