PFGPRINCIPAL FINANCIAL GROUP INC
Accident & Health Insurance
- Revenue
- $15.6B
- 3.1% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$125M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear361% of net incomeCash flow under 80% of net income
- Dilutive SBCClear1% of revenueOver 10% of revenue
- Payouts exceed cash flowClear35% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $14.4B | $17.5B | $13.7B | $16.1B | $15.6B | 3.1% |
| Net income | $1.8B | $4.9B | $670M | $1.6B | $1.3B | 21% |
| Operating cash flow | $3.3B | $3.2B | $3.8B | $4.6B | $4.5B | 1.4% |
| Stock-based comp | $96M | $91M | $99M | $109M | $110M | 1.1% |
| Buybacks | $937M | $1.7B | $740M | $1.0B | $903M | 13% |
| Dividends | $654M | $642M | $626M | $658M | $684M | 3.9% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 213 | 203 |
| FY2024 | — | — | 171 | 174 |
| FY2023 | — | — | 167 | 141 |
| FY2022 | — | — | 172 | 129 |
| FY2021 | — | — | 144 | 136 |