Principal Financial Group (PFG)
Financials · life and health insurance · NASDAQ
A global financial services firm providing comprehensive retirement, asset management, and insurance solutions for individuals and institutional clients.
What Principal Financial Group does
Principal Financial Group provides retirement, asset management, and insurance solutions to businesses, individuals, and institutional clients. The company operates through segments focused on retirement income, investment management, and global life and health insurance products. Its business model centers on managing long-term savings and providing financial protection through various investment vehicles and insurance policies.
Themes: retirement services, asset management, insurance and protection
Fundamentals
- Price$110.75 as of 2026-08-21 close
- Market cap$23.9B as of 2026-08-21
- 1-year return+40.8% 2025-08-21 close $78.67 → 2026-08-21 close $110.75
- P/E15.71 as of 2026-08-24
- Net margin+9.9% as of 2026-08-24
- ROE+13.1% as of 2026-08-24
- Debt / equity0.36 as of 2026-08-24
- Revenue growth (YoY)+3.3% as of 2026-08-24
- Revenue CAGR (3y)-3.8% SEC XBRL
- Beta0.89 as of 2026-08-24
- Last reported earnings2026-07-27 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.7%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How PFG compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 10% 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
PFG is not currently in any published Top 10 list. Its scores are below.
Long-term score
50.0 #496 of 987 scored · #157 of 191 in Financials
Financial health 80th (free cash flow margin 30.7%, debt to equity 0.4) and long-term trend 71st (it is 5.0% below its highest point of the past year); weakest is growth (20th, 3-year revenue CAGR -3.8%, revenue growth year over year 3.3%).
Short-term score
50.5 #740 of 1,704 scored · #123 of 277 in Financials
Catalysts 73rd: open-market insider buys in 90 days 45, analysts have raised their average price target by 0.3% since the prior reading; setup 61st: day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move; weakest is volume and participation 17th: trading volume is about normal versus its 30-day average.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, PFG's dividend was covered by reported results (earnings payout 58%, operating-cash-flow payout 15%). This describes past coverage, not a forecast.
- Earnings payout58% dividends / net income
- Operating-cash-flow payout15% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Principal Financial Group looks technically
Principal Financial Group (PFG) is trading 14.1% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 221 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It made a new 20-day high about 12 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 14.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +14.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $111.57 | $111.57 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $97.03 | $97.03 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 15 calendar days ago — the swings before that are what the structure reading is measured on | 15 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 116.61. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 221 trading days ago — a "golden cross", a bullish long-term signal | 221 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend) | 12.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 44, neither overbought (above 70) nor oversold (below 30) | 43.8 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($110.18 to $116.61) — its "stochastic" reading is 9 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 8.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative) | 10 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $116.61 | $116.61 |
|---|---|---|
| From the 52-week high | it is 5.0% below its 52-week high (its highest price of the past year) | -5.0% |
| Above the 52-week low | it is 43.6% above its 52-week low (its lowest price of the past year) | +43.5% |
| Below the 52-week high | it is 5.0% below its highest point of the past year | 5.0% |
| Since a 20-day breakout | it made a new 20-day high about 12 trading days ago | 12 sessions |
| Since a 55-day breakout | it made a new 55-day high about 12 trading days ago | 12 sessions |
| All-time high | its highest closing price on record is $116.61 (set on 2026-08-06) | $116.61 |
| Given back of the 52-week move | over the past year its closes ranged ($77.70 to $115.41), and it has given back only a small part of its rise from last year’s low — 12% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $90.90 to $92.11. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 12.4% |
| From the all-time high | it is 5.0% below its all-time high | -5.0% |
| Nearest price level | it is trading 0.9% below a resistance level at $111.72 — a price it turned at twice since 2026-06-23, most recently on 2026-08-11. Since 2024-08-21 it has 10 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.9% |
| All-time low | its lowest closing price on record is $5.41 (set on 2009-03-09) | $5.41 |
| Above the all-time low | it is 1947.1% above its all-time low | +1,947% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move | 2nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.22 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $2.22 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $110.63 and $116.25 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $110.63 – $113.44 – $116.25 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 6.2 daily ranges above its 200-day average price (14.1% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.62× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 1.8% since the prior reading | +1.8% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 1.0% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.9% |
|---|---|---|
| Gap filled | a 3.2% gap down opened on 2026-06-24 has been "filled" 34 sessions ago — price traded back through the level the gap left behind, and it took 7 sessions to close | 34 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.3 percentage points (the stock gained 1.1% while the market gained 2.3%) | -1.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 3.5 percentage points (the stock gained 6.6% while the market gained 3.1%) | +3.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 4.6 percentage points (the stock gained 15.7% while the market gained 11.1%) | +4.6% |
| vs market, 12 months | over the past 12 months this stock beat the market by 20.3 percentage points (the stock gained 40.8% while the market gained 20.5%) | +20.3% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.5% of the share price. | +0.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 12% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $99.26 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +11.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-27 (its 8-K), so the typical buyer over that stretch is under water. That average is $113.46 — a volume-weighted average of daily closes over 20 sessions, not a true tick-by-tick VWAP. | -2.4% |
Price levels it has turned at before
PFG last closed at $110.75 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $111.72 | Resistance | 0.9% above the last close | turned there twice · 2026-06-23 to 2026-08-11 |
| $115.75 | Resistance | 4.5% above the last close | turned there twice · 2026-07-14 to 2026-08-06 |
| $105.31 | Support | 4.9% below the last close | turned there three times · 2026-05-27 to 2026-07-23 |
| $98.16 | Support | 11.4% below the last close | turned there three times · 2026-02-06 to 2026-05-12 |
| $92.19 | Support | 16.8% below the last close | turned there three times · 2024-10-17 to 2026-01-08 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $116.61.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 6 trading days, since 2026-08-14.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Analyst price target recently RAISED · Stretched far above its 200-day average (6+ daily ranges) · At the bottom of its 14-day range (stochastic below 20) | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (3.00 mean, 1=Strong Buy…5=Strong Sell) — 12 analysts
- Mean price target$109.58 range $92.00 – $125.00; median $112.00
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PFG
- Consensus EPS estimate$2.51 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Fluctuations in interest rates and market volatility affecting investment income and asset values.","Changes in economic conditions impacting demand for retirement and insurance products."]
What changed in the latest 10-Q
AI-assisted comparison of PFG's 10-Q filed 2026-04-29 against the prior one filed 2025-10-29.
Management's Discussion & Analysis (MD&A)
- Added:
- Added risk factor (13) regarding tax audits and litigation (moved/renumbered from older filing item 15)
- Added risk factor (17) regarding client terminations and investor preferences (moved/renumbered from older filing item 17)
- Added risk factor (24) regarding fraudulent activities (moved/renumbered from older filing item 20)
- Added risk factor (25) regarding vendor failures or data breaches (new, separate from older item 21)
- Added risk factor (30) regarding employee retention and distribution sources (moved/renumbered from older filing item 31)
- Added risk factor (32) regarding climate change impacts (moved/renumbered from older filing item 27)
- Removed:
- Removed risk factor (13) about damage to reputation (moved to item 13 in newer, renumbered)
- Removed risk factor (14) about intellectual property (moved to item 14 in newer, renumbered)
- Removed risk factor (28) about technological and societal disruption (replaced by different risk factors)
- Removed risk factor (29) about damage to reputation (consolidated/renumbered)
- Removed risk factor (30) about employee retention (renumbered to 30 but with different content)
- Removed combined risk factor about vendor relationships and data protection (split into separate items 24 and 25)
- Reworded:
- Item (4) changed from 'investment portfolio is subject to several risks that may diminish the value of our invested assets and the investment returns credited to customers, which could reduce our sales, revenues, AUM and net income' to 'investment portfolio's risks may reduce asset values, credited returns and overall financial performance' (simplified language, removed specific references to sales, revenues, AUM)
- Item (6) changed from 'any impairments of or valuation allowances against' to 'any impairments of, or valuation allowances against' (minor punctuation addition)
- Item (13) in older filing (tax audits) removed entirely in ordering, reappeared as explicit numbered item in newer filing
- Item (18/19) fraud-related risk factor renumbered and reordered in newer filing
- Risk factor about 'pandemic, terrorist attack, military action or other catastrophic event' (older item 26) replaced with generic 'catastrophic events' language (newer item 33)
- Item regarding vendor relationships split: older combined item 33 about 'loss of or disruption in key vendor relationships' and 'failure of a vendor to protect information' separated into newer items 24 (fraudulent activities) and 25 (vendor failures or data breaches)
- Notes:
- The newer filing covers the three months ended March 31, 2026, while the older filing covers three and nine months ended September 30, 2025 - different reporting periods
- Comparison dates differ: newer filing compares March 31, 2026 to December 31, 2025; older filing compares September 30, 2025 to December 31, 2024
- Risk factors have been substantially renumbered and reordered between filings, making direct item-to-item comparison difficult; analysis focuses on substantive content changes rather than position changes
- The text excerpt for the newer filing appears truncated mid-sentence in the Overview section, limiting full comparison of that section
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days0 buys · 7 sells ($3M) — 2 selling insiders
Most recent open-market transaction: 2026-05-21. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PFG's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Congressional trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 4 matched disclosures for PFG from U.S. House Clerk Periodic Transaction Report filings.
Congressional trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding PFG as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 31,362,529
- Reported value $2,826,077,502
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 0 increased, 5 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
PFG had 8,340,273 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
PFG had 3.86% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.27 days to cover at the same settlement.
- Reported short interest (shares) 8,340,273
- Short interest (% of shares outstanding) 3.86%
- Prior settlement (shares) 8,555,725
- Reported change -2.52%
- Days to cover (reported) 4.27
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- MetLife (MET)
- Prudential Financial (PRU)
- Lincoln Financial Group (LNC)
- Aflac (AFL)
- Empower (GWL)
- BlackRock (BLK)
- Invesco (IVZ)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Principal Financial Group (PFG) do?
Principal Financial Group provides retirement, asset management, and insurance solutions to businesses, individuals, and institutional clients. The company operates through segments focused on retirement income, investment management, and global life and health insurance products. Its business model centers on managing long-term savings and providing financial protection through various investment vehicles and insurance policies.
What sector is Principal Financial Group (PFG) in?
Principal Financial Group (PFG) is classified in the Financials sector. Its industry is life and health insurance. It trades on NASDAQ.
Does PFG pay a dividend?
Yes — Principal Financial Group (PFG) pays a dividend, with an indicated yield of about 3.69% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are Principal Financial Group's (PFG) competitors?
Notable peers of Principal Financial Group (PFG) include MetLife, Prudential Financial, Lincoln Financial Group, Aflac and Empower. This peer set is informational only — not financial advice.
Has there been recent Congressional stock trading in PFG?
Yes — we hold 4 matched STOCK Act disclosures for PFG from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Principal Financial Group (PFG) overbought or oversold right now?
Principal Financial Group (PFG) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 44, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PFG come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.