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Upturn AI SWOT - About
PFG 
Principal Financial Group Inc (PFG)
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Upturn Advisory Summary
04/01/2025: PFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -17.51% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.21B USD | Price to earnings Ratio 12.75 | 1Y Target Price 87.62 |
Price to earnings Ratio 12.75 | 1Y Target Price 87.62 | ||
Volume (30-day avg) 1466828 | Beta 1.17 | 52 Weeks Range 70.33 - 90.38 | Updated Date 04/1/2025 |
52 Weeks Range 70.33 - 90.38 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.56% | Basic EPS (TTM) 6.68 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.74% | Operating Margin (TTM) 23.22% |
Management Effectiveness
Return on Assets (TTM) 0.39% | Return on Equity (TTM) 14.09% |
Valuation
Trailing PE 12.75 | Forward PE 10.22 | Enterprise Value 19103498664 | Price to Sales(TTM) 1.19 |
Enterprise Value 19103498664 | Price to Sales(TTM) 1.19 | ||
Enterprise Value to Revenue 1.18 | Enterprise Value to EBITDA - | Shares Outstanding 225571008 | Shares Floating 224123161 |
Shares Outstanding 225571008 | Shares Floating 224123161 | ||
Percent Insiders 1.08 | Percent Institutions 73.51 |
Analyst Ratings
Rating 2.83 | Target Price 88.67 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 7 | Sell 1 | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Principal Financial Group Inc
Company Overview
History and Background
Principal Financial Group was founded in 1879 as Bankers Life Association. It evolved from a mutual assessment association to a leading global financial services company providing retirement, insurance, and investment management solutions.
Core Business Areas
- Retirement and Income Solutions: Offers retirement savings plans, investment products, and income solutions for individuals and businesses.
- Principal Global Investors: Provides asset management services to institutional clients and retail investors.
- Principal International: Focuses on retirement and long-term savings solutions in select emerging markets.
- Principal U.S. Insurance Solutions: Offers group benefits, life insurance and specialty benefits such as dental and vision insurance.
Leadership and Structure
The company is led by a board of directors and an executive leadership team. The organizational structure is divided by business segments, each with its own leadership.
Top Products and Market Share
Key Offerings
- Market Share (%): 13
- Retirement Savings Plans (401(k), etc.): Offers a range of retirement savings plans for businesses of all sizes. Principal has a significant market share in the small to mid-sized business 401(k) market. Competitors include Fidelity, Vanguard, and T. Rowe Price.
- Investment Management Services: Manages assets for institutional and retail clients through Principal Global Investors. Market share is in the lower to mid single digits with competitors like BlackRock, State Street, and Vanguard.
- Market Share (%): 4
- Group Benefits (Dental, Vision, Life): Offers dental, vision, life, and disability insurance to employers. Principal is a major player in group dental insurance. Competitors include MetLife, Aetna, and Cigna.
- Market Share (%): 6
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and market volatility. Demand for retirement savings solutions is growing due to an aging population.
Positioning
Principal Financial Group is a leading provider of retirement and investment solutions, with a strong presence in the small to mid-sized business market. Its competitive advantages include its distribution network, product offerings, and brand recognition.
Total Addressable Market (TAM)
The total addressable market for retirement savings and investment management is estimated to be several trillion dollars globally. Principal Financial Group is positioned to capture a share of this TAM through its diverse product offerings and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified product offerings
- Extensive distribution network
- Solid financial performance
- Experienced management team
Weaknesses
- Exposure to market volatility
- Dependence on interest rates
- Competition in mature markets
- Regulatory complexity
Opportunities
- Growing demand for retirement solutions
- Expansion into emerging markets
- Acquisitions of complementary businesses
- Technological innovation
Threats
- Increased competition
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PGNY
- TROW
- BLK
- JPM
- IVZ
Competitive Landscape
Principal Financial Group competes with a range of financial services companies, including asset managers, insurance companies, and retirement plan providers. Its strengths lie in its diversified product offerings, strong distribution network, and focus on the small to mid-sized business market. Its weaknesses include exposure to market volatility and competition in mature markets.
Major Acquisitions
Wells Fargo Asset Management
- Year: 2021
- Acquisition Price (USD millions): 650
- Strategic Rationale: This acquisition significantly increased Principal's assets under management and expanded its investment capabilities.
Growth Trajectory and Initiatives
Historical Growth: Requires live data feed.
Future Projections: Requires live data feed.
Recent Initiatives: Investing in technology to enhance customer experience and streamline operations. Expanding its presence in emerging markets through partnerships and acquisitions. Developing new products and services to meet evolving customer needs.
Summary
Principal Financial Group is a well-established company with a strong presence in retirement and investment solutions. Its diversified product offerings and distribution network contribute to its stable performance. However, market volatility and increased competition pose challenges. Strategic initiatives focused on technology and emerging markets could enhance its future growth potential.
Similar Companies
- PGNY
- TROW
- BLK
- JPM
- IVZ
- HIG
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), investor presentations, press releases, market research reports, analyst estimates.
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market data is subject to change. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Principal Financial Group Inc
Exchange NASDAQ | Headquaters Des Moines, IA, United States | ||
IPO Launch date 2001-10-23 | President, CFO, COO & CEO Ms. Deanna Dawnette Strable-Soethout | ||
Sector Financial Services | Industry Asset Management | Full time employees 19700 | Website https://www.principal.com |
Full time employees 19700 | Website https://www.principal.com | ||
Principal Financial Group, Inc. provides retirement, asset management, and insurance products and services to businesses, individuals, and institutional clients worldwide. The company operates through Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection segments. The Retirement and Income Solutions segment provides retirement, and related financial products and services. This segment offers products and services for defined contribution plans, including 401(k) and 403(b) plans, defined benefit plans, nonqualified executive benefit plans, employee stock ownership plans, equity compensation, and pension risk transfer services; individual retirement accounts; investment only products; and mutual funds, individual variable annuities, registered index-linked annuities, and bank products, as well as trust and custody services. The Principal Asset Management segment provides equity, fixed income, real estate, and other alternative investments, as well as fund offerings. This segment also offers pension accumulation products and services, mutual funds, asset management, income annuities, and life insurance accumulation products, as well as voluntary savings plans. The Benefits and Protection segment provides specialty benefits, such as group dental and vision insurance, group life and other insurance, and group and individual disability insurance, as well as administers group dental, disability, and vision benefits; and individual life insurance products comprising universal, variable universal, indexed universal, and term life insurance products. This segment also offers insurance solutions for small and medium-sized businesses and their owners, as well as employees. The company was founded in 1879 and is based in Des Moines, Iowa.
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