PFG

SELL

Principal Financial Group Inc

Financial Services · Rank #351 · Analyzed Oct 18, 2026

$108.81

Current Price

$103.59

Intrinsic Value

-4.8%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score2/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 4.8%

Fair Value Range

Low$35.59

Base (IV)$103.59

High$124.31

Entry Points

Conservative$24.91

Moderate$35.59

Aggressive$72.51

⚠️ Warnings

Unusually high FCF yield (19%) — DCF may be unreliable
Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity12.9% → 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 Strength1.5/5 → 0/1.0

Profit Margins9.9% → 0.5/1.0

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.