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Also traded in: Germany, USA

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.74
PFG's Cash to Debt is ranked lower than
74% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.83 vs. PFG: 0.74 )
Ranked among companies with meaningful Cash to Debt only.
PFG' s Cash to Debt Range Over the Past 10 Years
Min: 0.4  Med: 1.11 Max: N/A
Current: 0.74
Equity to Asset 0.04
PFG's Equity to Asset is ranked lower than
73% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. PFG: 0.04 )
Ranked among companies with meaningful Equity to Asset only.
PFG' s Equity to Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.06 Max: 0.08
Current: 0.04
0.02
0.08
F-Score: 6
WACC vs ROIC
12.06%
11.60%
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 (%) 11.96
PFG's Operating margin (%) is ranked higher than
64% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.73 vs. PFG: 11.96 )
Ranked among companies with meaningful Operating margin (%) only.
PFG' s Operating margin (%) Range Over the Past 10 Years
Min: 4.64  Med: 10.25 Max: 14.27
Current: 11.96
4.64
14.27
Net-margin (%) 10.31
PFG's Net-margin (%) is ranked higher than
69% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.46 vs. PFG: 10.31 )
Ranked among companies with meaningful Net-margin (%) only.
PFG' s Net-margin (%) Range Over the Past 10 Years
Min: 4.61  Med: 8.32 Max: 10.92
Current: 10.31
4.61
10.92
ROE (%) 12.28
PFG's ROE (%) is ranked higher than
63% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.73 vs. PFG: 12.28 )
Ranked among companies with meaningful ROE (%) only.
PFG' s ROE (%) Range Over the Past 10 Years
Min: 6.46  Med: 9.96 Max: 13.16
Current: 12.28
6.46
13.16
ROA (%) 0.56
PFG's ROA (%) is ranked lower than
66% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. PFG: 0.56 )
Ranked among companies with meaningful ROA (%) only.
PFG' s ROA (%) Range Over the Past 10 Years
Min: 0.32  Med: 0.51 Max: 0.79
Current: 0.56
0.32
0.79
Revenue Growth (3Y)(%) 9.40
PFG's Revenue Growth (3Y)(%) is ranked higher than
50% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.70 vs. PFG: 9.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 7.00 Max: 15.6
Current: 9.4
0
15.6
EBITDA Growth (3Y)(%) 14.40
PFG's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.20 vs. PFG: 14.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PFG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -13.20 Max: 21.2
Current: 14.4
0
21.2
EPS Growth (3Y)(%) 16.40
PFG's EPS Growth (3Y)(%) is ranked higher than
74% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.90 vs. PFG: 16.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PFG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.30 Max: 56.4
Current: 16.4
0
56.4
» PFG's 10-Y Financials

Financials


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

» Details

Guru Trades

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%)
Mairs and Power 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
Q2 2015

PFG Guru Trades in Q2 2015

John Burbank 4,264 sh (New)
Joel Greenblatt 4,177 sh (New)
Jeff Auxier 5,322 sh (New)
Paul Tudor Jones 15,080 sh (+134.49%)
David Dreman 5,625 sh (+14.10%)
Manning & Napier Advisors, Inc 71,680 sh (+2.44%)
Mairs and Power 2,924,324 sh (+0.04%)
Bill Nygren 4,609,000 sh (unchged)
Jim Simons Sold Out
John Keeley Sold Out
Jeremy Grantham 61,900 sh (-17.69%)
» More
Q3 2015

PFG Guru Trades in Q3 2015

Ken Fisher 20,025 sh (New)
Jeremy Grantham 122,200 sh (+97.42%)
David Dreman 7,268 sh (+29.21%)
Bill Nygren 4,609,000 sh (unchged)
Jeff Auxier 5,322 sh (unchged)
John Burbank Sold Out
Joel Greenblatt Sold Out
Mairs and Power 2,915,014 sh (-0.32%)
Manning & Napier Advisors, Inc 71,160 sh (-0.73%)
Paul Tudor Jones 10,700 sh (-29.05%)
» More
Q4 2015

PFG Guru Trades in Q4 2015

Jeremy Grantham 196,600 sh (+60.88%)
Ken Fisher 20,752 sh (+3.63%)
Jeff Auxier 5,322 sh (unchged)
David Dreman 5,625 sh (-22.61%)
» 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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» Interactive Charts

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Preferred stocks of Principal Financial Group Inc

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

Guru Investment Theses on Principal Financial Group Inc

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) 8.70
PFG's P/E(ttm) is ranked higher than
58% of the 112 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.89 vs. PFG: 8.70 )
Ranked among companies with meaningful P/E(ttm) only.
PFG' s P/E(ttm) Range Over the Past 10 Years
Min: 4.37  Med: 14.39 Max: 28.7
Current: 8.7
4.37
28.7
Forward P/E 7.46
PFG's Forward P/E is ranked higher than
80% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.18 vs. PFG: 7.46 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 8.70
PFG's PE(NRI) is ranked higher than
73% of the 104 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.20 vs. PFG: 8.70 )
Ranked among companies with meaningful PE(NRI) only.
PFG' s PE(NRI) Range Over the Past 10 Years
Min: 4.37  Med: 14.35 Max: 30.03
Current: 8.7
4.37
30.03
P/B 1.11
PFG's P/B is ranked lower than
64% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.86 vs. PFG: 1.11 )
Ranked among companies with meaningful P/B only.
PFG' s P/B Range Over the Past 10 Years
Min: 0.46  Med: 1.43 Max: 2.48
Current: 1.11
0.46
2.48
P/S 0.88
PFG's P/S is ranked lower than
85% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.60 vs. PFG: 0.88 )
Ranked among companies with meaningful P/S only.
PFG' s P/S Range Over the Past 10 Years
Min: 0.16  Med: 1.25 Max: 1.78
Current: 0.88
0.16
1.78
PFCF 2.49
PFG's PFCF is ranked higher than
67% of the 98 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.37 vs. PFG: 2.49 )
Ranked among companies with meaningful PFCF only.
PFG' s PFCF Range Over the Past 10 Years
Min: 0.76  Med: 4.99 Max: 11.64
Current: 2.49
0.76
11.64
POCF 2.41
PFG's POCF is ranked higher than
71% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.75 vs. PFG: 2.41 )
Ranked among companies with meaningful POCF only.
PFG' s POCF Range Over the Past 10 Years
Min: 0.73  Med: 4.69 Max: 9.27
Current: 2.41
0.73
9.27
EV-to-EBIT 7.92
PFG's EV-to-EBIT is ranked lower than
66% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.75 vs. PFG: 7.92 )
Ranked among companies with meaningful EV-to-EBIT only.
PFG' s EV-to-EBIT Range Over the Past 10 Years
Min: -1.2  Med: 11.00 Max: 25
Current: 7.92
-1.2
25
EV-to-EBITDA 6.98
PFG's EV-to-EBITDA is ranked lower than
64% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.56 vs. PFG: 6.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.9  Med: 9.70 Max: 22.1
Current: 6.98
-0.9
22.1
PEG 0.57
PFG's PEG is ranked higher than
66% of the 41 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.98 vs. PFG: 0.57 )
Ranked among companies with meaningful PEG only.
PFG' s PEG Range Over the Past 10 Years
Min: 0.16  Med: 0.86 Max: 15.08
Current: 0.57
0.16
15.08
Shiller P/E 12.11
PFG's Shiller P/E is ranked higher than
68% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.39 vs. PFG: 12.11 )
Ranked among companies with meaningful Shiller P/E only.
PFG' s Shiller P/E Range Over the Past 10 Years
Min: 8.61  Med: 15.05 Max: 19.59
Current: 12.11
8.61
19.59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.24
PFG's Dividend Yield is ranked lower than
51% of the 111 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.03 vs. PFG: 4.24 )
Ranked among companies with meaningful Dividend Yield only.
PFG' s Dividend Yield Range Over the Past 10 Years
Min: 1.06  Med: 2.03 Max: 9
Current: 4.24
1.06
9
Dividend Payout 0.37
PFG's Dividend Payout is ranked lower than
60% of the 95 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. PFG: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
PFG' s Dividend Payout Range Over the Past 10 Years
Min: 0.2  Med: 0.29 Max: 0.61
Current: 0.37
0.2
0.61
Dividend Growth (3y) 24.40
PFG's Dividend Growth (3y) is ranked higher than
83% of the 53 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.70 vs. PFG: 24.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
PFG' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 16.00 Max: 37.5
Current: 24.4
0
37.5
Forward Dividend Yield 4.30
PFG's Forward Dividend Yield is ranked higher than
56% of the 110 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.61 vs. PFG: 4.30 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 11.66
PFG's Yield on cost (5-Year) is ranked higher than
85% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.61 vs. PFG: 11.66 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.9  Med: 5.55 Max: 24.62
Current: 11.66
2.9
24.62
3-Year Average Share Buyback Ratio 0.30
PFG's 3-Year Average Share Buyback Ratio is ranked higher than
85% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 vs. PFG: 0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PFG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.7  Med: 2.60 Max: 0
Current: 0.3
-6.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.48
PFG's Price/Tangible Book is ranked lower than
62% of the 115 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.11 vs. PFG: 1.48 )
Ranked among companies with meaningful Price/Tangible Book only.
PFG' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.97  Med: 1.77 Max: 4.99
Current: 1.48
0.97
4.99
Price/Projected FCF 0.23
PFG's Price/Projected FCF is ranked higher than
79% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.72 vs. PFG: 0.23 )
Ranked among companies with meaningful Price/Projected FCF only.
PFG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.29 Max: 0.48
Current: 0.23
0.2
0.48
Price/Median PS Value 0.71
PFG's Price/Median PS Value is ranked higher than
66% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.76 vs. PFG: 0.71 )
Ranked among companies with meaningful Price/Median PS Value only.
PFG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1.09 Max: 1.36
Current: 0.71
0.48
1.36
Price/Peter Lynch Fair Value 0.52
PFG's Price/Peter Lynch Fair Value is ranked higher than
72% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.04 vs. PFG: 0.52 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PFG' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.66  Med: 1.07 Max: 1.87
Current: 0.52
0.66
1.87
Price/Graham Number 0.76
PFG's Price/Graham Number is ranked higher than
52% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.94 vs. PFG: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
PFG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 1.11 Max: 1.75
Current: 0.76
0.71
1.75
Earnings Yield (Greenblatt) (%) 12.60
PFG's Earnings Yield (Greenblatt) (%) is ranked higher than
58% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. PFG: 12.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4  Med: 9.10 Max: 399.5
Current: 12.6
4
399.5
Forward Rate of Return (Yacktman) (%) 43.89
PFG's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.24 vs. PFG: 43.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PFG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 8.7  Med: 31.00 Max: 137.8
Current: 43.89
8.7
137.8

More Statistics

Revenue(Mil) $11964
EPS $ 4.07
Beta1.85
Short Percentage of Float1.84%
52-Week Range $33.09 - 58.02
Shares Outstanding(Mil)291.63

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 11,617 12,475 13,313
EPS($) 4.39 4.75 5.07
EPS without NRI($) 4.39 4.75 5.07

Latest Earnings Webcast

» More Conference Calls

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:PG4.Germany, PFGZP.USA,
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 
Bill Nygren Comments on Principal Financial Group Oct 08 2012 
Oakmark Fund Letter to Shareholders Oct 08 2012 
12 of the Cheapest S&P 500 Dividend Stocks Jun 25 2012 

More From Other Websites
PRINCIPAL FINANCIAL GROUP INC Files SEC form 10-K, Annual Report Feb 10 2016
Millennials More Confident in Business Growth Feb 09 2016
Edited Transcript of PFG earnings conference call or presentation 2-Feb-16 3:00pm GMT Feb 02 2016
Principal Falls Most Since 2011, Leading Life Insurer Slump Feb 02 2016
Principal Financial Misses on Earnings and Revenues in Q4 Feb 02 2016
[$$] Principal Financial Operating Earnings Decline Feb 01 2016
PRINCIPAL FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 01 2016
Principal Financial Group Announces Fourth Quarter and Full-Year 2015 Results; Company Also... Feb 01 2016
Principal Financial misses 4Q profit forecasts Feb 01 2016
Principal Financial misses 4Q profit forecasts Feb 01 2016
Principal Financial Group Announces Fourth Quarter and Full-Year 2015 Results; Company Also... Feb 01 2016
Q4 2015 Principal Financial Group Inc Earnings Release - After Market Close Feb 01 2016
Principal Financial Group President – Retirement and Income Solutions, Nora Everett, will present... Jan 29 2016
Will Principal Financial (PFG) Earnings Disappoint in Q4? Jan 29 2016
Principal Financial Group President – Retirement and Income Solutions, Nora Everett, Will Present... Jan 29 2016
Principal Financial Group President and Chief Executive Officer, Dan Houston, to Speak at Bank of... Jan 29 2016
Principal Financial Group President – Retirement and Income Solutions, Nora Everett, Will Present... Jan 29 2016
Principal Financial Group President and Chief Executive Officer, Dan Houston, to Speak at Bank of... Jan 29 2016
A.M. Best Affirms Ratings of Principal Financial Group, Inc. and Its Subsidiaries Jan 27 2016
PRINCIPAL FINANCIAL GROUP INC Files SEC form 8-K, Regulation FD Disclosure Jan 21 2016

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