PFG · NASDAQ · STOCK
Principal Financial Group (PFG) Stock Analysis
$113.59
52W $77.90 – $121.18
69/100
$24.94B
16.5
0.87
Is PFG Bullish or Bearish?
Bullish.
Innellis AI committee rates Principal Financial Group (PFG) Buy with a composite score of 69/100
, based on 5 analysts with 100% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.49 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -13.51 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is vix regime is low -- calm backdrop supports risk-taking. The main limiting factor is 4 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Dividend yield of 3.7% pays you to wait — Value
- EPS growing 42.0% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
Bear Case
Insufficient data for bear case.
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
69/100
Agreement
100%
Analysts
5
Conviction
Unanimous
Sector Rank
Top 16%
of 211 Financial Services peers
Value Analyst
bullish
62
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Dividend yield of 3.7% pays you to wait
Growth Analyst
bullish
70
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 42.0% YoY
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score strengthened from 65.5 to 68.5.
- New bearish signals: 1 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
54.4
Neutral
MACD Histogram
0.221
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.68
Inside Bands
Price vs Moving Averages
EMA 9
$116.27
Below
EMA 21
$115.03
Below
EMA 50
$112.97
Above
EMA 200
$102.31
Above
Fundamental Analysis
Valuation
95
Growth
79
Profitability
43
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
16.5×
P/B Ratio
2.10×
PEG Ratio
0.43
Dividend Yield
2.79%
52W High
$121.18
52W Low
$77.90
Quality & Growth
ROE
997.2%
ROA
34.7%
Gross Margin
4853.7%
Operating Margin
1212.8%
Revenue Growth YoY
—
Debt / Equity
0.36
AI Fundamental Assessment
P/E ratio of 16.5 (inexpensive relative to a 15-40x range); Price-to-book of 2.1x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 10.0%; Return on assets of 0.3%; Net margin of 9.9%; Gross margin of 48.5%; Current ratio of 0.30 (tight short-term liquidity); Debt-to-equity of 0.36; Free cash flow per share is positive (22.19); Most recent quarter beat estimates by 5.9%; 2 consecutive earnings beats; EPS growth accelerating (-5.5% -> +20.8% QoQ); Average YoY EPS growth of 15.7%; Analyst estimates rising over recent quarters
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