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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.57
PFG's Cash to Debt is ranked lower than
81% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.22 vs. PFG: 0.57 )
Ranked among companies with meaningful Cash to Debt only.
PFG' s 10-Year Cash to Debt Range
Min: 0.11  Med: 0.92 Max: N/A
Current: 0.57
Equity to Asset 0.05
PFG's Equity to Asset is ranked lower than
70% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. PFG: 0.05 )
Ranked among companies with meaningful Equity to Asset only.
PFG' s 10-Year Equity to Asset Range
Min: 0.02  Med: 0.06 Max: 0.08
Current: 0.05
0.02
0.08
Interest Coverage 11.15
PFG's Interest Coverage is ranked lower than
51% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.97 vs. PFG: 11.15 )
Ranked among companies with meaningful Interest Coverage only.
PFG' s 10-Year Interest Coverage Range
Min: 6.54  Med: 7.89 Max: 9999.99
Current: 11.15
6.54
9999.99
F-Score: 7
WACC vs ROIC
14.81%
11.30%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 14.80
PFG's Operating margin (%) is ranked higher than
76% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.15 vs. PFG: 14.80 )
Ranked among companies with meaningful Operating margin (%) only.
PFG' s 10-Year Operating margin (%) Range
Min: 4.64  Med: 10.42 Max: 14.27
Current: 14.8
4.64
14.27
Net-margin (%) 11.87
PFG's Net-margin (%) is ranked higher than
78% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.54 vs. PFG: 11.87 )
Ranked among companies with meaningful Net-margin (%) only.
PFG' s 10-Year Net-margin (%) Range
Min: 1.86  Med: 7.89 Max: 10.92
Current: 11.87
1.86
10.92
ROE (%) 12.32
PFG's ROE (%) is ranked higher than
65% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.14 vs. PFG: 12.32 )
Ranked among companies with meaningful ROE (%) only.
PFG' s 10-Year ROE (%) Range
Min: 2.11  Med: 10.03 Max: 13.59
Current: 12.32
2.11
13.59
ROA (%) 0.58
PFG's ROA (%) is ranked lower than
62% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. PFG: 0.58 )
Ranked among companies with meaningful ROA (%) only.
PFG' s 10-Year ROA (%) Range
Min: 0.16  Med: 0.51 Max: 0.79
Current: 0.58
0.16
0.79
ROC (Joel Greenblatt) (%) 271.11
PFG's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: 260.72 vs. PFG: 271.11 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 93.46  Med: 208.38 Max: 316.11
Current: 271.11
93.46
316.11
Revenue Growth (3Y)(%) 8.70
PFG's Revenue Growth (3Y)(%) is ranked lower than
56% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. PFG: 8.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.00 Max: 15.6
Current: 8.7
0
15.6
EBITDA Growth (3Y)(%) 20.50
PFG's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.40 vs. PFG: 20.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PFG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -15.15 Max: 20.5
Current: 20.5
0
20.5
EPS Growth (3Y)(%) 24.00
PFG's EPS Growth (3Y)(%) is ranked higher than
75% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.50 vs. PFG: 24.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PFG' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 7.80 Max: 56.4
Current: 24
0
56.4
» PFG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

PFG Guru Trades in Q2 2014

John Burbank 11,909 sh (New)
Manning & Napier Advisors, Inc 31,940 sh (New)
Andreas Halvorsen 1,142,537 sh (New)
John Keeley 38,680 sh (New)
David Dreman 3,002 sh (+195.18%)
Bill Frels 2,892,721 sh (+10.81%)
Bill Nygren 4,519,000 sh (+2.03%)
Louis Moore Bacon 9,438 sh (unchged)
Jeremy Grantham 54,000 sh (-52.30%)
» More
Q3 2014

PFG Guru Trades in Q3 2014

Jeremy Grantham 80,300 sh (+48.70%)
Manning & Napier Advisors, Inc 46,180 sh (+44.58%)
Bill Nygren 4,609,000 sh (+1.99%)
John Keeley 38,680 sh (unchged)
Louis Moore Bacon Sold Out
Andreas Halvorsen Sold Out
John Burbank Sold Out
Bill Frels 2,884,947 sh (-0.27%)
David Dreman 2,828 sh (-5.80%)
» More
Q4 2014

PFG Guru Trades in Q4 2014

Paul Tudor Jones 11,311 sh (New)
John Keeley 58,600 sh (+51.50%)
Manning & Napier Advisors, Inc 48,720 sh (+5.50%)
Bill Nygren 4,609,000 sh (unchged)
Bill Frels 2,864,672 sh (-0.70%)
David Dreman 2,777 sh (-1.80%)
Jeremy Grantham 70,600 sh (-12.08%)
» More
Q1 2015

PFG Guru Trades in Q1 2015

Jim Simons 71,300 sh (New)
David Dreman 4,930 sh (+77.53%)
Manning & Napier Advisors, Inc 69,970 sh (+43.62%)
Jeremy Grantham 75,200 sh (+6.52%)
Bill Frels 2,923,129 sh (+2.04%)
Bill Nygren 4,609,000 sh (unchged)
John Keeley 58,300 sh (-0.51%)
Paul Tudor Jones 6,431 sh (-43.14%)
» More
» Details

Insider Trades

Latest Guru Trades with PFG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Principal Financial Group

SymbolPriceYieldDescription
PFGZP99.705.58Pfd Shs Series -A
PFGPRBCL25.026.51Series B Preferred Stock, NonCumulative

Guru Investment Theses on Principal Financial Group

Bill Frels Comments on Principal Financial Group - Jun 25, 2014

Principal Financial Group (PFG) declined 6.73% following a tremendous 2013, and we view this simply as a correction.



From Bill Frels' Mairs & Power Balance Fund First Quarter 2014 Commentary.



Check out Bill Frels latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 12.58
PFG's P/E(ttm) is ranked higher than
70% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.20 vs. PFG: 12.58 )
Ranked among companies with meaningful P/E(ttm) only.
PFG' s 10-Year P/E(ttm) Range
Min: 4.37  Med: 14.45 Max: 29.04
Current: 12.58
4.37
29.04
Forward P/E 10.89
PFG's Forward P/E is ranked higher than
61% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.17 vs. PFG: 10.89 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.70
PFG's PE(NRI) is ranked higher than
70% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.20 vs. PFG: 12.70 )
Ranked among companies with meaningful PE(NRI) only.
PFG' s 10-Year PE(NRI) Range
Min: 4.37  Med: 14.89 Max: 30.38
Current: 12.7
4.37
30.38
P/B 1.49
PFG's P/B is ranked lower than
58% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.23 vs. PFG: 1.49 )
Ranked among companies with meaningful P/B only.
PFG' s 10-Year P/B Range
Min: 0.46  Med: 1.43 Max: 2.48
Current: 1.49
0.46
2.48
P/S 1.44
PFG's P/S is ranked lower than
74% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. PFG: 1.44 )
Ranked among companies with meaningful P/S only.
PFG' s 10-Year P/S Range
Min: 0.16  Med: 1.36 Max: 1.77
Current: 1.44
0.16
1.77
PFCF 5.10
PFG's PFCF is ranked higher than
57% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.56 vs. PFG: 5.10 )
Ranked among companies with meaningful PFCF only.
PFG' s 10-Year PFCF Range
Min: 0.76  Med: 5.10 Max: 19.4
Current: 5.1
0.76
19.4
POCF 4.91
PFG's POCF is ranked higher than
52% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.24 vs. PFG: 4.91 )
Ranked among companies with meaningful POCF only.
PFG' s 10-Year POCF Range
Min: 0.73  Med: 4.83 Max: 10.77
Current: 4.91
0.73
10.77
EV-to-EBIT 10.53
PFG's EV-to-EBIT is ranked lower than
57% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.53 vs. PFG: 10.53 )
Ranked among companies with meaningful EV-to-EBIT only.
PFG' s 10-Year EV-to-EBIT Range
Min: -1.2  Med: 11.60 Max: 25
Current: 10.53
-1.2
25
PEG 0.94
PFG's PEG is ranked higher than
60% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. PFG: 0.94 )
Ranked among companies with meaningful PEG only.
PFG' s 10-Year PEG Range
Min: 0.16  Med: 0.93 Max: 5.7
Current: 0.94
0.16
5.7
Shiller P/E 18.35
PFG's Shiller P/E is ranked lower than
58% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.40 vs. PFG: 18.35 )
Ranked among companies with meaningful Shiller P/E only.
PFG' s 10-Year Shiller P/E Range
Min: 2.08  Med: 11.76 Max: 25.63
Current: 18.35
2.08
25.63
Days Sales Outstanding 42.13
PFG's Days Sales Outstanding is ranked lower than
60% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 34.01 vs. PFG: 42.13 )
Ranked among companies with meaningful Days Sales Outstanding only.
PFG' s 10-Year Days Sales Outstanding Range
Min: 24.02  Med: 42.26 Max: 50.37
Current: 42.13
24.02
50.37

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.76
PFG's Dividend Yield is ranked lower than
62% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.39 vs. PFG: 2.76 )
Ranked among companies with meaningful Dividend Yield only.
PFG' s 10-Year Dividend Yield Range
Min: 1.06  Med: 1.95 Max: 9
Current: 2.76
1.06
9
Dividend Payout 0.33
PFG's Dividend Payout is ranked lower than
53% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. PFG: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
PFG' s 10-Year Dividend Payout Range
Min: 0.26  Med: 0.38 Max: 6.98
Current: 0.33
0.26
6.98
Dividend growth (3y) 22.30
PFG's Dividend growth (3y) is ranked higher than
82% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. PFG: 22.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
PFG' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 15.95 Max: 37.5
Current: 22.3
0
37.5
Yield on cost (5-Year) 7.04
PFG's Yield on cost (5-Year) is ranked higher than
87% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.05 vs. PFG: 7.04 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFG' s 10-Year Yield on cost (5-Year) Range
Min: 2.7  Med: 4.97 Max: 22.96
Current: 7.04
2.7
22.96
Share Buyback Rate 2.00
PFG's Share Buyback Rate is ranked higher than
80% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. PFG: 2.00 )
Ranked among companies with meaningful Share Buyback Rate only.
PFG' s 10-Year Share Buyback Rate Range
Min: 0  Med: 3.00 Max: -6.7
Current: 2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.86
PFG's Price/Tangible Book is ranked lower than
60% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.48 vs. PFG: 1.86 )
Ranked among companies with meaningful Price/Tangible Book only.
PFG' s 10-Year Price/Tangible Book Range
Min: 0.8  Med: 1.60 Max: 4.99
Current: 1.86
0.8
4.99
Price/Projected FCF 0.40
PFG's Price/Projected FCF is ranked higher than
66% of the 53 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. PFG: 0.40 )
Ranked among companies with meaningful Price/Projected FCF only.
PFG' s 10-Year Price/Projected FCF Range
Min: 0.07  Med: 0.32 Max: 0.7
Current: 0.4
0.07
0.7
Price/Median PS Value 1.06
PFG's Price/Median PS Value is ranked lower than
52% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. PFG: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
PFG' s 10-Year Price/Median PS Value Range
Min: 0.16  Med: 1.02 Max: 1.24
Current: 1.06
0.16
1.24
Price/Peter Lynch Fair Value 0.69
PFG's Price/Peter Lynch Fair Value is ranked higher than
70% of the 30 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. PFG: 0.69 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PFG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6  Med: 1.03 Max: 2.35
Current: 0.69
0.6
2.35
Price/Graham Number 0.99
PFG's Price/Graham Number is ranked lower than
55% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.92 vs. PFG: 0.99 )
Ranked among companies with meaningful Price/Graham Number only.
PFG' s 10-Year Price/Graham Number Range
Min: 0.59  Med: 1.04 Max: 1.66
Current: 0.99
0.59
1.66
Earnings Yield (Greenblatt) (%) 9.69
PFG's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.80 vs. PFG: 9.69 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4  Med: 8.70 Max: 422.6
Current: 9.69
4
422.6
Forward Rate of Return (Yacktman) (%) 33.19
PFG's Forward Rate of Return (Yacktman) (%) is ranked higher than
75% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.64 vs. PFG: 33.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PFG' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 5.6  Med: 27.10 Max: 142
Current: 33.19
5.6
142

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:PFGZP.USA, PG4.Germany,
Principal Financial Group, Inc. was founded in 1879. The Company offers retirement services, insurance solutions and asset management services. It provides financial products and services, including retirement, asset management, and insurance through the financial services companies to businesses, individuals, and institutional clients.. In addition, it offers individual and group life insurance, individual and group disability insurance and group dental and vision insurance. The Company develops small and medium-sized businesses, which it defines as companies with less than 1,000 employees, providing a broad array of retirement and employee benefit solutions to meet the needs of the business, the business owner and their employees. The Company organizes its businesses into the following segments: Retirement and Investor Services; Principal Global Investors; Principal International and U.S. Insurance Solutions. Its Retirement and Investor Services segment offers products and services for defined contribution pension plans, including 401(k) and 403(b) plans, defined benefit pension plans, non-qualified executive benefit plans and employee stock ownership plan (ESOP) consulting services. The Company's Principal Global Investors segment manages assets for sophisticated investors around the world, using a multi-boutique strategy that enables the segment to provide investment capabilities including equity, fixed income and real estate investments. Its Principal International segment has operations in Brazil, Chile, China, Hong Kong Special Administrative Region, India, Mexico and Southeast Asia. The Company's U.S. Insurance Solutions segment offers individual life insurance and specialty benefits, which include group dental, group vision, group life, group disability, wellness and individual disability insurance. It provides comprehensive insurance solutions for small and medium-sized businesses and their owners and executives.
» More Articles for PFG

Headlines

Articles On GuruFocus.com
Stocks That Warren Buffett Might Buy Mar 06 2015 
Bill Frels Comments on Principal Financial Group Jun 25 2014 
Bill Frels' Mairs & Power Balance Fund First Quarter 2014 Commentary Jun 25 2014 
Why Principal’s Retirement Insurance May Be Its Best Asset Apr 14 2014 
14 Stocks Building Deferred Gratification with Increased Dividends Jul 29 2013 
Bill Nygren Calls Financials a ‘Unusual Opportunity,’ His Favorites and a New Buy Nov 30 2012 
Nygren Buys UnitedHealth, Principal Financial and Cummins Inc., Sells Diageo and Best Buy Nov 30 2012 
comment on PFG Oct 29 2012 
comment on PFG Oct 22 2012 
comment on PFG Oct 08 2012 

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