Principal Financial Group

PFG

Asset Management · Financial Services

Price

$113.95

+0.83 (+0.73%)

Market Cap

$24.61B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−17.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 272.9M (2021) → 225.7M (2025)

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 service

Winston Score History

Politician Trades

8 trades / 12mo

3 Congressional buys and 5 sells on PFG in the last 12 months.

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Score breakdown

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Quality

Gross Margin

53.9%

Healthy — 53.9% gross margin

Operating Margin

14.8%

Healthy — 14.8% operating margin

ROCE

3.3%

Weak — 3.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-2.0%

Shrinking sales (-2.0% YoY)

EPS YoY

+47.0%

Earnings growing fast (47.0% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

242%

Turns 242% of profit into real cash

FCF Margin

23.5%

Converts sales into free cash efficiently (23.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.33

Conservative — low debt load (0.33)

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

16.3x

Fair value — P/E 16.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+5.3

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (16.3 → 11.0)

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Dividends

Dividend Yield

2.81%

Moderate income — 2.81% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+7.8%

Dividend growing modestly (7.8% YoY)

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