10 Year Financial Data of Principal Financial Group (PFG)

38.14 (1y: +57%)

Market Cap	11.04 B	P/E(ttm)	15.20
Enterprise Value	13.88 B	P/B	1.20

PFG- NYSE (USA)
Principal Financial Group

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$38.14

2 Severe Warning Signs 4 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-0.1	-5	13.3
EBITDA Growth (%)	-4.7	11.6	-0
Free Cash Flow Growth (%)	3.7	5.8	22.1
Book Value Growth (%)	2.6	29.7	6.5

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	28.73	26.35	31.08	35.80	40.74	38.05	29.61	28.35	27.42	30.68	31.12	6.88	7.02	9.09	7.72	7.29
EBITDA per Share	5.04	3.82	5.08	6.07	1.82	2.29	2.96	3.11	3.47	3.66	3.52	1.03	0.88	0.75	1.00	0.89
Free Cashflow per Share	7.12	5.92	7.33	7.97	10.26	8.12	7.42	8.58	8.36	10.13	9.23	2.90	1.96	2.89	2.37	2.01
Earnings per Share ($)	2.28	2.62	3.11	3.74	3.09	1.63	1.97	2.06	2.15	2.57	2.53	0.66	0.58	0.60	0.74	0.61
Dividends Per Share	0.45	0.55	0.65	0.80	0.90	0.45	0.50	0.55	0.70	0.78	0.83	0.18	0.18	0.21	0.21	0.23
Book Value per Share	22.61	23.94	26.94	28.51	27.72	9.47	26.41	30.12	30.34	32.47	32.73	30.73	31.21	33.03	32.79	32.73
Month End Stock Price	33.07	40.94	47.43	58.70	68.84	22.57	24.04	32.56	24.60	28.52	34.03	29.51	26.23	26.94	28.52	34.03
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	10.10	10.90	11.80	13.50	11.60	18.50	7.90	7.20	7.40	8.30	7.60	8.80	7.60	7.60	9.20	7.60
Return on Assets %	0.70	0.70	0.70	0.70	0.60	0.40	0.50	0.50	0.50	0.50	0.40	0.40	0.40	0.40	0.40	0.40
Return on Capital - Joel Greenblatt %	256	341	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Debt to Equity	0.59	0.15	0.18	0.21	0.23	0.72	0.21	0.17	0.17	0.28	0.29	0.18	0.20	0.23	0.28	0.29

Operating Margin %	10.10	10.60	12.50	13.50	--	4.60	8.40	9.20	11.30	10.40	10.50	13.20	11.10	6.70	11.60	10.50
Net Margin %	7.90	9.90	10.20	10.80	7.90	4.60	7.00	7.60	8.20	8.70	8.60	10.00	8.60	6.90	9.90	8.60

Debt to Revenue	0.47	0.14	0.15	0.17	0.16	0.18	0.19	0.19	0.19	0.29	1.31	0.80	0.87	0.82	1.18	1.31
Interest Exp. to Revenue %	--	--	--	--	--	--	--	-1.31	--	-1.44	--	-1.48	-0.06	-0.04	-1.74	--

Asset Turnover	0.09	0.07	0.07	0.07	0.07	0.08	0.06	0.06	0.06	0.06	0.01	0.01	0.01	0.02	0.01	0.01
Buyback Ratio	-2.50	-5.00	-6.50	-6.20	-8.60	-7.90	-174	-2.90	-3.40	-3.50	-10.70	-4.20	-1.40	-6.80	-1.80	-10.70
Dividend Payout Ratio	0.20	0.21	0.21	0.21	0.28	0.26	0.24	0.25	0.31	0.29	0.37	0.26	0.30	0.33	0.28	0.37
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Total Premiums Earned	3,634	3,710	3,975	4,305	4,634	4,209	3,751	3,556	2,891	3,219	3,234	680	681	1,158	700	695
Net Investment Income	3,420	3,227	3,361	3,618	3,967	3,994	3,401	3,497	3,376	3,255	3,219	825	801	784	845	789
Fees and Other Income	2,351	1,367	1,672	1,947	2,306	1,732	1,698	2,107	2,443	2,741	2,832	591	636	763	751	683
Revenue	9,404	8,304	9,008	9,871	10,907	9,936	8,849	9,159	8,710	9,215	9,286	2,096	2,119	2,705	2,296	2,167

Selling, General, &Admin. Expense	--	--	--	--	--	2,995	--	2,479	3,058	2,903	2,196	556	698	707	792	--
Policyholder Benefits & Claims	9,723	9,919	10,566	11,676	12,871	6,220	5,335	9,668	4,454	10,253	7,764	2,429	2,215	3,299	1,155	1,095
Earnings Before DDA	1,649	1,203	1,473	1,673	488	599	884	1,006	1,103	1,101	1,050	314	266	222	298	263

Depreciation, Depletion and Amortization	695	322	348	345	488	145	139	165	116	141	139	36.80	31.40	41.00	32.10	34.90

Operating Income	954	882	1,124	1,329	--	454	746	841	988	959	911	277	235	181	266	228
Net Income	746	826	919	1,064	860	458	623	699	715	806	783	210	181	188	227	187

Preferred dividends	--	--	17.70	33.00	33.00	33.00	33.00	33.00	33.00	33.00	33.00	8.20	8.30	8.20	8.30	8.20
Earnings per Share ($)	2.28	2.62	3.11	3.74	3.09	1.63	1.97	2.06	2.15	2.57	2.53	0.66	0.58	0.60	0.74	0.61
Total Shares Outstanding	327	315	290	276	268	261	299	323	318	300	297	305	302	298	297	297
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Fixed Maturity Investment	37,553	41,009	42,230	44,727	47,268	38,302	46,221	48,636	49,007	50,939	51,084	50,370	50,570	52,342	50,939	51,084
Equity Investments	713	763	815	848	586	--	--	--	482	389	879	675	363	381	389	879
Short-term investments	1,463	1,586	1,114	1,411	2,119	2,658	1,032	1,120	972	627	629	--	--	--	627	629
Net Loan	14,312	815	12,312	851	13,530	14,010	12,748	12,029	11,612	12,385	12,444	12,183	12,026	12,165	12,385	12,444
Cash and cash equivalents	1,693	453	1,641	1,591	1,344	2,608	2,240	1,877	2,834	4,177	1,661	1,652	1,647	2,279	4,177	1,661
Accounts Receivable	720	629	593	1,252	951	988	1,065	1,063	1,245	1,084	1,175	1,119	1,097	1,192	1,084	1,175
Deferred Policy Acquisition Costs	1,572	1,838	2,174	2,419	2,810	4,153	3,681	3,530	3,314	2,674	2,716	2,666	2,664	2,559	2,674	2,716
Property, Plant and Equipment	448	429	420	423	469	518	489	459	457	464	473	477	470	468	464	473
Intangible Assets	306	429	485	1,343	1,382	1,301	1,238	1,180	1,373	1,471	2,788	1,385	1,477	1,476	1,471	2,788
Total Assets	107,754	113,798	127,035	143,658	154,520	128,182	137,759	145,631	148,298	161,927	200,763	153,738	152,051	159,193	161,927	200,763

Unpaid Loss & Loss Reserve	45,087	48,961	51,095	54,751	59,284	--	--	--	--	--	--	--	--	--	--	--
Future Policy Benefits	15,475	16,043	16,826	17,333	18,455	18,494	19,248	20,046	20,208	22,436	22,690	20,604	20,791	21,952	22,436	22,690
Policyholder Funds	29,613	32,918	33,612	37,418	40,829	43,623	40,361	37,893	38,220	38,503	37,513	37,562	37,391	38,033	38,503	37,513
Current Portion of Long-Term Debt	1,618	282	476	84.10	291	501	102	108	105	40.80	46.50	101	263	28.50	40.80	46.50
Other liabilities	5,705	6,929	16,321	24,653	26,799	61,799	68,568	76,266	78,560	88,507	127,990	84,533	82,604	87,166	88,507	127,990
Long-Term Debt	2,767	844	899	1,554	1,399	1,291	1,585	1,584	1,565	2,671	2,791	1,571	1,577	2,180	2,671	2,791
Total Liabilities	100,355	106,254	119,228	135,797	147,099	125,710	129,866	135,903	138,661	152,173	191,039	144,373	142,628	149,366	152,173	191,039

Common Stock	3.80	3.80	3.80	3.80	3.90	3.90	4.50	4.50	4.50	4.50	4.60	4.50	4.50	4.50	4.50	4.60
Preferred Stock	--	--	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10
Retained Earnings	630	1,290	2,009	2,824	3,414	3,723	4,161	4,612	5,078	4,940	4,972	4,549	4,667	4,784	4,940	4,972
Additional Paid-In Capital	7,153	7,269	8,000	8,142	8,295	8,377	9,493	9,564	9,635	9,731	9,772	9,670	9,685	9,712	9,731	9,772
Treasury Stock	-1,559	-2,332	-3,200	-3,956	-4,712	-4,719	-4,723	-4,725	-5,282	-5,554	-5,645	-5,346	-5,485	-5,554	-5,554	-5,645
Total Equity	7,400	7,544	7,807	7,861	7,422	2,473	7,894	9,728	9,637	9,753	9,724	9,365	9,423	9,828	9,753	9,724
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	746	826	919	1,064	860	458	646	717	751	825	796	219	184	191	230	190
Depreciation, Depletion and Amortization	695	322	348	345	488	145	139	165	116	141	139	36.80	31.40	41.00	32.10	34.90
Cash Flow from Others	2,273	1,109	1,117	870	1,612	1,622	1,459	1,910	1,846	2,115	1,840	646	385	639	445	371
Cash Flow from Operations	3,714	2,256	2,384	2,279	2,960	2,225	2,243	2,792	2,713	3,081	2,775	902	600	872	707	596

Investment for Property, Plant & Equipement	-1,382	-389	-261	-79.60	-214	-105	-26.20	-21.50	-56.90	-38.90	-21.60	-17.30	-7.40	-10.90	-3.30	--
Cash Flow from Acquisitions	-95.30	695	-58.10	--	-76.10	-20.30	-45.70	--	-271	-80.40	-1,349	--	-62.50	--	-17.90	-1,268
Cash Flow from Investing	-2,548	-3,179	-1,608	-3,913	-4,499	-2,917	1,027	27.50	-202	-1,611	-2,446	-691	-136	-892	108	-1,525

Net Issuance of Stock	-435	-731	-809	-690	-683	30.00	1,119	18.00	-531	-244	-259	-55.10	-136	-56.50	4.20	-70.60
Net Issuance of Preferred Stock	--	--	542	--	--	--	--	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	-1,234	-732	306	449	89.10	142	-128	-7.10	-9.00	974	980	-3.10	161	376	441	3.10
Cash Flow for Dividends	-145	-167	-17.70	-24.70	-41.20	-150	-193	-209	-247	-264	-269	-62.50	-53.70	-69.90	-78.20	-67.60
Other Financing	1,303	1,812	393	1,851	1,927	1,934	-4,436	-2,984	-769	-592	-771	-1,273	-440	404	716	-1,451
Cash Flow from Financing	-511	183	415	1,586	1,292	1,956	-3,637	-3,182	-1,555	-126	-320	-1,393	-469	653	1,083	-1,587

Net Change in Cash	654	-740	1,189	-50.50	-246	1,264	-368	-363	957	1,343	9.30	-1,182	-5.30	632	1,898	-2,516

Free Cash Flow	2,332	1,867	2,123	2,199	2,746	2,120	2,217	2,770	2,656	3,042	2,754	884	593	861	704	596
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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PFG Quarterly/Annuals Reports

PFG: 10-Q - PRINCIPAL FINANCIAL GROUP INC (0001126328) (Filer): (10-Q) - 2012-10-31
PFG: 10-Q - PRINCIPAL FINANCIAL GROUP INC (0001126328) (Filer): (10-Q) - 2012-05-02
PFG: 10-K - PRINCIPAL FINANCIAL GROUP INC (0001126328) (Filer): (10-K) - 2012-02-15
PFG: 10-Q - PRINCIPAL FINANCIAL GROUP INC (0001126328) (Filer): (10-Q) - 2011-11-02
PFG: 10-Q - PRINCIPAL FINANCIAL GROUP INC (0001126328) (Filer): (10-Q) - 2011-08-03

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