PFG

SELL

Principal Financial Group Inc

Financial Services · Rank #350 · Analyzed Jul 13, 2026

$112.23

Current Price

$103.54

Intrinsic Value

-7.7%

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 7.7%

Fair Value Range

Low$35.27

Base (IV)$103.54

High$124.25

Entry Points

Conservative$24.69

Moderate$35.27

Aggressive$72.48

⚠️ Warnings

Unusually high FCF yield (18%) — DCF may be unreliable
Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity13.4% → 0.5/1.0

Debt LevelD/E 34 → 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 Margins10.1% → 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.