PFGPRBCL.PFD (Principal Financial Group) Moat Score: 6/10 (As of Jun. 25, 2026)


PFGPRBCL.PFD Principal Financial Group Inc PFGPRBCL.PFD
71 GF Score
Price $25.02
! 7 Warning Signs
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What is Principal Financial Group Moat Score?

Principal Financial Group PFGPRBCL.PFD 71 Moat Score is 6 as of Jun. 25, 2026. GuruFocus rates PFGPRBCL.PFD with a GF Score™ of 71/100. The stock has 7 warning signs investors should review. Among 1,702 Asset Management companies, Principal Financial Group ranks better than 99.47% on this metric.

Principal Financial Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Principal Financial Group has Narrow Moat: Principal Financial Group has a strong brand and customer loyalty in the financial services sector. It benefits from economies of scale and a broad distribution network. However, intense competition and regulatory challenges limit its ability to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Principal Financial Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Principal Financial Group  (NYSE:PFGPRBCL.PFD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Principal Financial Group Moat Score Related Terms

PFGPRBCL.PFD vs TROW, RJF, CG: Moat Score Comparison

For the Asset Management subindustry, Principal Financial Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Principal Financial Group Moat Score vs Asset Management Industry

For the Asset Management industry and Financial Services sector, Principal Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Principal Financial Group's Moat Score falls into.


PFGPRBCL.PFD
71GF Score
Principal Financial Group Inc PFGPRBCL.PFD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Principal Financial Group (PFGPRBCL.PFD) has a Moat Score of 6 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Principal Financial Group ranks #9 out of 1702 companies in the Asset Management industry, placing it in the top 0.5%.
Is Principal Financial Group's Moat Score too high?
Principal Financial Group's current Moat Score is 6. Based on the distribution chart, Principal Financial Group ranks #9 out of 1702 companies in the Asset Management industry, which is in the top quartile — a strong position relative to peers. Overall, Principal Financial Group has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Principal Financial Group's Moat Score compare to TROW and RJF?
According to the Asset Management industry distribution chart, Principal Financial Group ranks #9 out of 1702 companies for Moat Score. This places Principal Financial Group in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Asset Management company?
A good Moat Score depends on the Asset Management industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Principal Financial Group's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Principal Financial Group stock overvalued right now?
Principal Financial Group (PFGPRBCL.PFD) has a current Moat Score of 6. The current Moat Score is 6. Principal Financial Group's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Principal Financial Group (PFGPRBCL.PFD), the current Moat Score is 6 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Principal Financial Group Business Description

Other Exchanges PFG:USA0KO5:UKPG4:Germany
Address 711 High Street, Des Moines, IA, USA, 50392
Principal Financial Group Inc is a financial services provider. It offers various financial products and services including retirement, asset management, and workplace benefits and protection solutions to individuals and institutional clients. The company, along with its subsidiaries, operates in the following reportable segments; Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection. Maximum revenue is generated from the Retirement and Income Solutions segment which provides workplace savings and retirement solutions, banking, trust and custodial services, individual variable annuities (including RILAs), pension risk transfer, and investment services to businesses, their employees, and other individuals.
71GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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