Principal Financial Group (PFG) Stock: Buy, Sell, or Hold?

PFG - Principal Financial Group, Inc.

ACCIDENT & HEALTH INSURANCE
$109.21
0.77 (0.71%) ▲
5d: +0.23%
30d: -4.13%
90d: -0.17%
BUY
HIGH Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 26, 2026 3d

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
✅ BUY SIGNAL: PFG shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
See Forward Earnings Fair Value & Price Prediction →
PFG is flagged by 1 backtest-validated scanner today

SPY Bullish (stocks from this scanner have beaten SPY by a median 0.37% over the next 20 trading days; PFG has been on it 4 days). Backtested on 8 months of scanner history vs the S&P 500, as of 2026-10-22.

See all of today's Best Signals in the free scanner →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$138.50
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$86.00
Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.0x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: PFG is currently trading at $109.21, which is considered slightly low relative to its 30-day fair value range of $108.25 to $115.38. The stock's valuation (Forward PE: 10.6) is in line with its historical norms (10.0). At these levels, the market is pricing in 2.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, PFG is in a uptrend. The price is currently testing key support at $106.07. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: PFG scores 78/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.

Quick Decision Summary

Current Position SLIGHTLY LOW
Historical Trading Range $108.25 - $115.38
Company Quality Score 70/100 (BUY)
Volume Confirmation HIGH
Confidence Score 89.2%

All Signals

  • BULLISH: Price oversold vs 30-day range
  • BULLISH: Options cheap (IV 0th percentile)
  • BULLISH: Strong technical setup (78/100)
  • BULLISH: High volume confirmation
  • NEUTRAL: Near Wall St target ($111.08)
  • NEUTRAL: Market pricing in 2.0% annual earnings growth - fairly valued
  • BULLISH: Bottoming setup score 78/100 — corrected, stabilizing, and turning up

Trading Range Analysis

30-Day Trading Range $108.25 - $115.38
Current vs Trading Range SLIGHTLY LOW
Expected Move (7 Days) ±$4.13 (3.8%)

Support & Resistance Levels

Support Level $106.07
Resistance Level $110.47
Current Trend Uptrend
Technical data as of Oct 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 10.60
Wall Street Target $111.08 (+2.4%)
Revenue Growth (YoY) 6.4%
Earnings Growth (YoY) 2.8%
Profit Margin 9.9%
Valuation Premium vs History +2.0% premium
PE vs Historical 10.6 vs 10.0 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): +2.0% (market-implied from PE analysis)
1-Year Target $110.61 (+2%)
2-Year Target $112.82 (+4%)
3-Year Target $115.08 (+6%)
3-Yr Target (if PE normalizes) (PE: 11→10) PE COMPRESSION $108.60 (+0%)
Earnings growth offset by PE compression
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 19.9, Growth: 8.5%) $259.39 (+139%)
Base: (SPY PE: 10.6, Growth: 8.5%) $138.40 (+28%)
Bear: (PE: 9.0, Growth: 8.5%) $117.64 (+9%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 15.22 | Current EPS (TTM): $7.09
Bull Case $171.38 (+58%)
Analyst growth 44.3%, PE expands to 16.8
Base Case $155.80 (+44%)
Market implied 44.3%, PE stable at 15.2
Bear Case $73.40 (-32%)
Severe decline -20.0%, PE contracts to 12.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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Last updated: October 22, 2026 12:56 PM ET
Data refreshes hourly during market hours. Next update: 1:56 PM
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Ticker Score Recommendation Change %
Insider Activity (6 Months)
0
Buys
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Sells
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Net
NEUTRAL

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Advanced PFG Option Strategies

Professional options setups generated by AI based on today's PFG price and gamma walls.

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