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PFG

SELL

Principal Financial Group Inc

Financial Services · Rank #409 · Analyzed Apr 20, 2026

$96.17

Current Price

$92.60

Intrinsic Value

+15.5%

Upside/Downside

1.5/10

Score

1.5/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree
Quality Score1.5/5.0
Framework RatingSELL
Price vs Intrinsic ValueUndervalued by 15.5%

Fair Value Range

Low$45.80
Base (IV)$92.60
High$111.12

Entry Points

Conservative$45.80
Moderate$69.20
Aggressive$92.60

⚠️ Warnings

  • Unusually high FCF yield (20%) — DCF may be unreliable
  • Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity10.5% → 0.5/1.0
Debt LevelD/E 35 → 0.5/1.0
Revenue QualityGrowth -3.1%, margin Δ+0.0% +recovery → 0.5/1.0
Moat Strength1.0/5 → 0/1.0
Profit Margins7.6% → 0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.