PFG Principal Financial Group, Inc.
Financial Services
Price
$112.36
Intrinsic value
$104.01
Buy price
$83.21
Discount
-8.0%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $5,012,000,000.00
- Total debt
- $4,550,900,224.00
- Cash & STI
- $6,367,699,968.00
- Shares out.
- 218,700,000
Overvalued
Intrinsic value$104.10
Buy price (with MOS)$83.28
Current price$112.36
Discount to intrinsic value-7.9%
7-step quality scorecard
ROE quality
HIGH_VOLATILE- Average ROE
- 19.4%
- Current ROE
- 10.0%
- Minimum ROE
- 5.7%
Debt quality
CONSERVATIVE- Debt / Equity
- 0.38x
Moat proxy
MODERATE_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 3.22x
Technical chart
Confluence: WEAK (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(revenueCAGR,cfCAGR)
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 13.4%
- Public economic interest
- 95.9%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.