Principal Financial Group, Inc. (PFG)

NASDAQ · Financials · market cap 22.38B

Share price

$115.94

At the last nightly close

Intrinsic value

$117.63

A single conservative estimate.

Margin of safety

+1.5%

($117.63 − $115.94) ÷ $115.94

EV / EBIT

n/a

Not ranked: financial sector.

How these numbers are computed

The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.

The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.

The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.

Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-08-29.

Key metrics

Price / earnings16.5
Price / book2.0
EV / EBITDA11.1
FCF / EVn/a
Return on equity+12.9%
Return on assets+0.4%
Debt / equity0.35
Gross margin+47.3%

Market position

52-week high$118.51
52-week low$75.78
From 52-week high-2.2%
RSI (14)56.2
200-day moving average$100.85

Annual financials

PeriodRevenueOperating incomeNet incomeEPSFree cash flow
2025-FY15.63Bn/a1.19B5.324.44B
2024-FY16.13Bn/a1.57B6.774.53B
2023-FY13.67Bn/a623.2M2.583.69B
2022-FY17.54Bn/a4.76B18.943.06B
2021-FY14.43Bn/a1.58B5.79n/a

Filed figures from SEC EDGAR, in the reporting currency.

Next earnings

Q4 2026 expectedOctober 26, 2026
Consensus EPS estimate2.50

Recent news

The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on PFG.

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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.