PFG

Principal Financial Group Inc Financials Accident & Health Insurance S&P 500Russell 3000
$111.63Close $24.3BMarket cap $78.31 – $118.5152-week range Late-januaryNext report · estimated

Highlights

Strengths

  • Earnings growing EPS +207% year on year, faster than the quarter before (+204 pts)

Cautions

  • Trend not confirmed 6 of 8 conditions · under the 50-day, RS under 70

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 29, 2026
Off 12-month high 6%
1wk up 2.8% price change
1mo down 0.3% price change
12-month return up 40% market up 11% · its own up 29%
F-score — — Not assessed
Altman Z — Unknown
P/E 19.3× price / earnings
PEG — P/E / EPS growth
P/B 2.0× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth down 3% year on year
EPS growth up 207% latest quarter · +204 pts
Sales growth up 25% latest quarter · +19 pts
ROE up 11% return on equity
Free cash margin —
D/E 0.33 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 2.3% $2.51 a day · 2×ATR $106.61
RS 69 / 99 vs the universe
Trend 6 / 8 under the 50-day, RS under 70
Relative volume 1.2× vs 50-day average
Up/down volume 0.92 50 sessions
Implied move — no scheduled report
Trend template · 6 of 8
  • Price above the 50-day average: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged
  • Revenue shrinking Revenue fell 3.1% over the year, from $16.1B to $15.6B.
Last reported Oct 26, 2026
Results reaction Oct 26, 2026+2% vs market2 sessions after results
Options $5,46524.9% IV · activity

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $15.6B -3% on FY2024
$0 $20B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $14.7B FY2021 · $14.4B FY2022 · $17.5B FY2023 · $13.7B FY2024 · $16.1B FY2025 · $15.6B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $1.3B -21% on FY2024
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.4B FY2021 · $1.8B FY2022 · $4.9B FY2023 · $670.1M FY2024 · $1.6B FY2025 · $1.3B
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 8%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 9% FY2021 · Net 12% FY2022 · Net 28% FY2023 · Net 5% FY2024 · Net 10% FY2025 · Net 8%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $2.8B · Long-term debt $4.3B FY2021 · Cash $2.3B · Long-term debt $4.3B FY2022 · Cash $4.8B · Long-term debt $4.0B FY2023 · Cash $4.7B · Long-term debt $3.9B FY2024 · Cash $4.2B · Long-term debt $4.0B FY2025 · Cash $4.4B · Long-term debt $3.9B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 217.38m -20.5% since FY2020
273.30m 217.38m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 273.30m FY2021 · 261.70m FY2022 · 243.55m FY2023 · 236.44m FY2024 · 226.23m FY2025 · 217.38m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $14.7B $14.4B $17.5B $13.7B $16.1B $15.6B
Net income $1.4B $1.8B $4.9B $670.1M $1.6B $1.3B
Net margin 9% 12% 28% 5% 10% 8%
Earnings per share $5.05 $6.44 $19.01 $2.74 $6.79 $5.56
Cash $2.8B $2.3B $4.8B $4.7B $4.2B $4.4B
Long-term debt $4.3B $4.3B $4.0B $3.9B $4.0B $3.9B
Shareholders' equity $16.6B $16.1B $10.0B $10.9B $11.1B $11.9B
Shares outstanding 273.30m 261.70m 243.55m 236.44m 226.23m 217.38m

What options price now

Expected 1-month range The at-the-money straddle for the expiry nearest a month out, as a share of the price: the move, either way, the option market is pricing by then. The range is the price plus and minus that move; the stock ends inside it a little more often than not. Methodology
$106 – $117 ±5.1% by Nov 20, 2026
Swings expected vs recent The daily swings the options are priced for (implied volatility) against the swings the stock actually had over the last 20 sessions (realised volatility). Bigger means options charge for more movement than the stock has been delivering; smaller, less. On a contract row, that contract's own implied volatility over the stock's realised. Methodology
Bigger 24.9% priced · 20.5% recent
Next month vs later At-the-money implied volatility for 8-45 day expiries over 46-90 day ones: whether options price the coming month as choppier or calmer than the two after it. Ahead of a report it usually reads choppier, and the extra comes out once the report is out. Methodology
Choppier
Crash protection What options that pay off in a fall cost against options that pay off in a rise (the 25-delta skew), compared with this company's own normal - the median of its stored nightly readings, once there are 20 - and with five sessions ago. Protection costs a little more than upside on most shares. More than usual means readers of the chain are paying up to insure against a drop; it does not say which way the stock will go. Methodology
past week: costs less
Positioning
Premium traded
$5,465 calls $5,415 · puts $50 · latest session
Puts against calls, by premium Money spent on puts divided by money spent on calls. Measured in dollars rather than contracts on purpose: counting contracts treats a hundred cheap lottery tickets as more meaningful than one large position, which is backwards. Methodology
0.01× +0.01 over the week
Open interest added The change over five sessions in option positions left open overnight, calls and puts. A rise means positions were added. It cannot say whether they were bought or sold, so more calls is not a vote for a rise: a call is as often sold against shares already held. Methodology
calls +997 · puts +567 past week

For options traders: ATM IV 24.9% (-7.2% 1w) · 1m ÷ 3m IV 1.04 · 25Δ skew 4.0 pts · Net GEX $468,309

Most traded contracts

No contract passed the liquidity filters this week.

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 29, 2026 Quarterly ↗ Sep 30, 2026 29d
Jul 29, 2026 Quarterly ↗ Jun 30, 2026 29d
Apr 29, 2026 Quarterly ↗ Mar 31, 2026 29d
Feb 18, 2026 Annual ↗ Dec 31, 2025 49d
Oct 29, 2025 Quarterly ↗ Sep 30, 2025 29d
Jul 30, 2025 Quarterly ↗ Jun 30, 2025 30d
Apr 30, 2025 Quarterly ↗ Mar 31, 2025 30d
Feb 19, 2025 Annual ↗ Dec 31, 2024 50d
Oct 30, 2024 Quarterly ↗ Sep 30, 2024 30d
Jul 31, 2024 Quarterly ↗ Jun 30, 2024 31d
May 1, 2024 Quarterly ↗ Mar 31, 2024 31d
Feb 20, 2024 Annual ↗ Dec 31, 2023 51d

Current reports

FiledDisclosed
Oct 26, 2026 Results ↗
Oct 19, 2026 Regulation FD ↗
Sep 10, 2026 Material agreement · New obligation ↗
Jul 27, 2026 Results ↗
Jul 20, 2026 Regulation FD ↗
Jun 1, 2026 Material agreement · New obligation · Other events ↗
May 20, 2026 Shareholder vote ↗
Apr 23, 2026 Results ↗
Apr 20, 2026 Regulation FD ↗
Feb 9, 2026 Results ↗
Jan 22, 2026 Regulation FD ↗
Oct 27, 2025 Results ↗