PFG
Principal Financial GroupNASDAQFinancialsAsset ManagementSnapshot 2026-05-08
As of May 8, 2026, PFG has a composite score of 4.4, indicating a mixed signal with medium confidence at 74.1. The score is influenced by various factors, including an unfavorable macro outlook with a score of -7.7 and a low sector score of 14.6. The valuation score is 73.7, labeled as inexpensive, while the overall risk is considered low at 19.8. This analysis is provisional.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $2.31 → $2.31 (+0.1% / 30d). 3 raised, 5 cut, 10 covering analysts.
0 upgrades, 0 downgrades / 30d, 5 maintained. 17% of analysts rate Buy.
3 PT revisions / 30d. Avg target 0.1% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Achieve EPS growth of 9-12%growthmixed65% progress
2/9: “2026 Outlook Guidance: '9-12 % annual non-GAAP operating earnings per diluted share (EPS) growth.'”
Why this status
Stated in 2 of last 2 quarters. EPS guidance targets 9-12% growth for 2026. In 2025-Q3, diluted EPS was $0.95, and in 2025-Q2, it was $1.79. The trajectory shows limited progress towards the target, with fluctuations in EPS across quarters.
- 2.Maintain ROE of 15-17%growthmixed65% progress
2/9: “2026 Outlook Guidance: '15-17 % non-GAAP ROE.'”
Why this status
Newly stated in 2025-Q4. The company aims for a 15-17% ROE in 2026. Financials show net income of $418.5M in 2025-Q4, down from $905.4M in 2024-Q4, indicating challenges in maintaining the target ROE.
- 3.Deploy $1.5-$1.8 billion in capitalcapital allocationmixed35% progress
2/9: “2026 Outlook Guidance: '$ 1.5-$1.8 billion capital deployment.'”
Why this status
Newly stated in 2025-Q4. The company plans to deploy $1.5-$1.8 billion in capital for 2026. Cash from operating activities was negative in 2025-Q4 at -$563.5M, indicating potential challenges in achieving this capital deployment target.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 20%; 252d 22%.
Drawdown — Max 1y −12%. Bad day move −2%.
Beta to sector ETF (XLF) — 1.03 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 63/100, drawdown 76/100, beta 97/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Achieve EPS growth of 9-12%
GrowthNew since 2026-05-04Targeting annual non-GAAP operating earnings per diluted share (EPS) growth of 9-12%.
On track →MixedStated in 2 of last 2 quarters. EPS guidance targets 9-12% growth for 2026. In 2025-Q3, diluted EPS was $0.95, and in 2025-Q2, it was $1.79. The trajectory shows limited progress towards the target, with fluctuations in EPS across quarters.
65%CEO/CFO:“2026 Outlook Guidance: '9-12 % annual non-GAAP operating earnings per diluted share (EPS) growth.'”Multiple sourcesSource dated 2026-02-09Stated 2 of last 8 quartersFirst seen 2026-05-04Show history (2)
- 2025-Q4Multiple sources
“We remain confident in achieving our full-year guidance and advancing our strategic initiatives.”
- 2025-Q3Multiple sources
“We are well positioned to deliver on our full year enterprise outlook across our financial metrics.”
- #2
Maintain ROE of 15-17%
GrowthNew since 2026-05-04Aim to maintain a non-GAAP return on equity (ROE) of 15-17% for 2026.
On track →MixedNewly stated in 2025-Q4. The company aims for a 15-17% ROE in 2026. Financials show net income of $418.5M in 2025-Q4, down from $905.4M in 2024-Q4, indicating challenges in maintaining the target ROE.
65%CEO/CFO:“2026 Outlook Guidance: '15-17 % non-GAAP ROE.'”Multiple sourcesSource dated 2026-02-09Stated 1 of last 8 quartersFirst seen 2026-05-04Show history (1)
- 2025-Q4Multiple sources
“We remain confident in achieving our full-year guidance and advancing our strategic initiatives.”
- #3
Deploy $1.5-$1.8 billion in capital
Capital allocationNew since 2026-05-04Plan to deploy $1.5-$1.8 billion in capital for 2026.
Behind →MixedNewly stated in 2025-Q4. The company plans to deploy $1.5-$1.8 billion in capital for 2026. Cash from operating activities was negative in 2025-Q4 at -$563.5M, indicating potential challenges in achieving this capital deployment target.
35%CEO/CFO:“2026 Outlook Guidance: '$ 1.5-$1.8 billion capital deployment.'”Multiple sourcesSource dated 2026-02-09Stated 1 of last 8 quartersFirst seen 2026-05-04Show history (1)
- 2025-Q4Multiple sources
“We remain confident in achieving our full-year guidance and advancing our strategic initiatives.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Roughly priced in line with peers.
Cheaper than its own typical valuation.
P/E over the last 5 years
61 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
PFG Principal Financial Group | +4.4 | inexpensive | low |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is cut (currently RAISED as of 2026-04-23)-16 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
- If growth state reverses from +0.25 (positive) to -0.25 (negative)-3.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-2316d agoItem 2.02
Results of Operations and Financial Condition On April 23, 2026, Principal Financial Group, Inc. publicly announced information regarding its results of operations and financial condition for the quarter ended March 31, 2026. The text of the announcement is included herewith as Exhibit 99.
earnings preannouncementneutralscore 46
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.