PRINCIPAL FINANCIAL GROUP INC
PFG· Nasdaq· Accident & Health Insurance
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- –
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +1.2%
We record prices for the companies we cover; PFG is not one of them yet.
Company statistics
Profile · FY2025
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 225.7M
- Revenue
- $15.6B
- Free cash flow
- –
- Owner earnings
- –
Valuation · FY2025
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2025
- Gross
- –
- Operating
- –
- Net
- 7.6%
- Free cash flow
- –
- Owner earnings
- –
- Stock pay
- 0.7%
Returns
- ROIC, FY2025
- –
- ROIC, 5 yr avg
- –
- ROE, FY2025
- 10.0%
- ROE, 5 yr avg
- 17.5%
Growth (CAGR)
- Revenue, 3 yr
- -3.8%
- Revenue, 5 yr
- 1.2%
- Revenue, 9 yr
- 2.6%
- Diluted EPS, 3 yr
- -34.4%
- Diluted EPS, 5 yr
- 0.8%
- Diluted EPS, 9 yr
- 1.7%
- Free cash flow, 3 yr
- –
- Free cash flow, 5 yr
- –
- Free cash flow, 9 yr
- –
Financial health · FY2025
- Cash and investments
- $4.4B
- Total debt
- $4.0B
- Net cash
- $477.0M
- Debt/Equity
- 0.3x
- Debt/FCF
- –
Shareholder returns · FY2025
- Dividend yield
- –
- Payout ratio
- 57.7%
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- -4.0%
Financials: ten years from the 10-Ks
Revenue
$15.6B
+2.6% a year over 9 years
FY2016FY2025
Margins
7.6%
FY2025
FY2016FY2025
Diluted shares
225.7M
-22.9% over 9 years, net buybacks
FY2016FY2025
Net cash
$477.0M
$477.0M more cash than debt
FY2016FY2025
Every figure, year by year
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | $12.4B | $14.1B | $14.2B | $16.2B | $14.7B | $14.4B | $17.5B | $13.7B | $16.1B | $15.6B |
| Revenue growth | 3.6% | 13.7% | 1.0% | 13.9% | -9.1% | -2.1% | 21.5% | -22.1% | 18.0% | -3.1% |
| Gross margin | – | – | – | – | – | – | – | – | – | – |
| Operating margin | – | – | – | – | – | – | – | – | – | – |
| Net income | $1.3B | $2.3B | $1.5B | $1.4B | $1.4B | $1.6B | $4.8B | $623.2M | $1.6B | $1.2B |
| Net margin | 10.6% | 16.4% | 10.9% | 8.6% | 9.5% | 11.0% | 27.1% | 4.6% | 9.7% | 7.6% |
| Diluted EPS | $4.50 | $7.88 | $5.36 | $4.96 | $5.05 | $5.79 | $18.63 | $2.55 | $6.68 | $5.25 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $3.9B | $4.2B | $5.2B | $5.5B | $3.7B | $3.3B | $3.2B | $3.8B | $4.6B | $4.5B |
| Capital expenditure | – | – | – | – | – | – | – | – | – | – |
| Free cash flow | – | – | – | – | – | – | – | – | – | – |
| Stock-based compensation | $84.4M | $82.7M | $77.4M | $82.6M | $87.2M | $96.1M | $91.3M | $99.4M | $108.7M | $109.9M |
| Owner earnings? | – | – | – | – | – | – | – | – | – | – |
| Free cash flow per share | – | – | – | – | – | – | – | – | – | – |
| Capital allocation | ||||||||||
| Dividends paid | $464.9M | $540.0M | $598.6M | $606.0M | $614.5M | $654.1M | $642.3M | $625.5M | $658.4M | $684.0M |
| Share repurchases | $277.3M | $220.4M | $671.6M | $281.0M | $307.0M | $937.2M | $1.7B | $740.4M | $1.0B | $902.7M |
| Diluted shares | 292.7M | 293.1M | 288.8M | 281.0M | 276.6M | 272.9M | 255.3M | 244.6M | 235.3M | 225.7M |
| Share count change? | -1.8% | 0.1% | -1.5% | -2.7% | -1.6% | -1.3% | -6.4% | -4.2% | -3.8% | -4.1% |
| Balance sheet | ||||||||||
| Cash and equivalents | $2.7B | $2.5B | $3.0B | $2.5B | $2.8B | $2.3B | $4.8B | $4.7B | $4.2B | $4.4B |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | $3.2B | $3.2B | $3.3B | $3.8B | $4.4B | $4.4B | $4.1B | $4.0B | $4.1B | $4.0B |
| Net debt | $457.5M | $747.1M | $325.0M | $1.3B | $1.5B | $2.0B | -$770.3M | -$715.7M | -$103.9M | -$477.0M |
| Shareholders' equity | $10.2B | $12.8B | $11.4B | $14.6B | $16.6B | $16.1B | $10.0B | $10.9B | $11.1B | $11.9B |
Latest filings
| 2026-10-29 | 10-Q | Quarterly report |
| 2026-10-26 | 8-K | Earnings release |
| 2026-07-29 | 10-Q | Quarterly report |
| 2026-07-27 | 8-K | Earnings release |
| 2026-04-29 | 10-Q | Quarterly report |
| 2026-04-23 | 8-K | Earnings release |
| 2026-04-06 | DEF 14A | Proxy statement |
| 2026-02-18 | 10-K | Annual report |
| 2026-02-09 | 8-K | Earnings release |
| 2025-10-29 | 10-Q | Quarterly report |
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