PFG:NSD-Principal Financial Group, Inc (USD)

COMMON STOCK | Insurance—Diversified | NSD

Last Closing Price

USD 51.40

Change

0.00 (0.00)%

Market Cap

USD 14.12B

Volume

0.60M

Average Target Price

USD 46.79 (-8.98%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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, and pension risk transfer services; individual retirement accounts and payroll deduction plans; investment only products; and mutual funds, individual 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 and income annuity products, mutual funds, asset management, 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.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-11-28 )

Largest Industry Peers for Insurance—Diversified

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
ACGLO Arch Capital Group Ltd

N/A

USD15.57B 9.60 N/A
ACGLP Arch Capital Group Ltd

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USD15.57B 9.22 N/A
ACGL Arch Capital Group Ltd

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USD13.41B 11.87 N/A
GSHD Goosehead Insurance, Inc

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USD4.54B 379.14 N/A
ESGR Enstar Group Limited

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USD4.54B 3.95 N/A
ESGRP Enstar Group Limited

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USD4.00B 0.57 N/A
ESGRO Enstar Group Limited

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USD3.88B 0.55 N/A
ANAT American National Group, Inc

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USD2.31B 6.97 N/A
WTRE Watford Holdings Ltd

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USD0.69B 11.79 N/A
WTREP Watford Holdings Ltd

N/A

N/A 12.66 N/A

ETFs Containing PFG

Symbol Name Weight Mer Price(Change) Market Cap
FLI:CA CI First Asset U.S. & Can.. 0.00 % 0.75 %

N/A

USD0.06B
VALQ American Century STOXX U... 0.00 % 0.29 %

N/A

USD0.14B

Market Performance

  Market Performance vs.
Industry/Classification (Insurance—Diversified)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -6.55% 27% F 39% F
Dividend Return 3.05% 38% F 74% C
Total Return -3.49% 36% F 42% F
Trailing 12 Months  
Capital Gain -6.72% 27% F 36% F
Dividend Return 4.05% 38% F 78% C+
Total Return -2.67% 36% F 40% F
Trailing 5 Years  
Capital Gain -0.12% 50% F 40% F
Dividend Return 19.08% 100% A+ 73% C
Total Return 18.97% 50% F 45% F
Average Annual (5 Year Horizon)  
Capital Gain 4.48% N/A N/A 52% F
Dividend Return 3.66% N/A N/A 81% B-
Total Return 8.14% N/A N/A 57% F
Risk Return Profile  
Volatility (Standard Deviation) 28.68% N/A N/A 51% F
Risk Adjusted Return 28.39% N/A N/A 52% F
Market Capitalization 14.12B 80% B- 93% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance—Diversified)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.66 45% F 69% D+
Price/Book Ratio 0.91 50% F 83% B
Price / Cash Flow Ratio 2.57 80% B- 54% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.02% 40% F 71% C-
Return on Invested Capital 197.17% 100% A+ 99% A+
Return on Assets 0.34% 9% F 49% F
Debt to Equity Ratio 25.54% 9% F 59% F
Technical Ratios  
Short Ratio 2.06 67% D+ 64% D
Short Percent 1.39% 67% D+ 70% C-
Beta 1.58 10% F 27% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector