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Market Price

37.40 

1.60 4.5%

as of Jun 03 '20

52 Week Range:

22.60 54.21


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Principal Financial Group, Inc. provides retirement, asset management, and insurance products and services to businesses, individuals, and institutional clients worldwide. The company operates through Retirement and Income Solutions, Principal Global Investors, Principal International, and U.S. Insurance Solutions segments. The Retirement and Income Solutions segment provides a portfolio of asset accumulation products and services for retirement savings and income. It offers products and services for defined contribution plans, including 401(k) and 403(b) plans, defined benefit pension plans, nonqualified executive benefit plans, employee stock ownership plans, and pension risk transfer services; individual retirement accounts and payroll deduction plans; investment only products; and mutual funds, individual annuities, and bank products. The Principal Global Investors segment provides equity, fixed income, real estate, and other alternative investments, as well as asset allocation, stable value management, and other structured investment strategies. The Principal International segment offers pension accumulation and income annuity products, mutual funds, asset management, and life insurance accumulation products, as well as voluntary savings plans in Brazil, Chile, Mexico, China, Hong Kong Special Administrative Region, India, and Southeast Asia. The U.S. Insurance Solutions segment provides specialty benefits, such as group dental and vision insurance, group life insurance, and group and individual disability insurance, as well as administers group dental, disability, and vision benefits; and individual life insurance products comprising universal, variable universal, indexed universal, and term life insurance products in the United States. It also offers insurance solutions for small and medium-sized businesses and their owners, as well as executives. Principal Financial Group, Inc. was founded in 1879 and is based in Des Moines, Iowa.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 16.41
23.36
25.59
25.25
22.86
28.88
30.22
35.49
34.77
36.63
47.87
growth rate 42.4% 9.6% -1.3% -9.5% 26.3% 4.6% 17.4% -2.0% 5.4% 30.7%
Earnings BIT 1,636.30
1,637.20
1,591.70
2,252.20
1,784.40
1,693.30
growth rate 0.1% -2.8% 41.5% -20.8% -5.1%
Avg.PE 12.95
6.32
7.90
10.38
growth rate -51.2% 25.0% 31.4%
ROA 0.44
0.47
0.46
0.50
0.48
0.52
0.55
0.59
0.96
0.62
0.54
growth rate 6.8% -2.1% 8.7% -4.0% 8.3% 5.8% 7.3% 62.7% -35.4% -12.9%
ROE 11.38
7.56
7.04
7.97
9.05
11.18
12.41
13.48
20.02
12.76
10.72
growth rate -33.6% -6.9% 13.2% 13.6% 23.5% 11.0% 8.6% 48.5% -36.3% -16.0%
Leverage 17.45
14.97
15.39
16.60
21.50
21.51
23.49
22.29
19.76
21.34
18.89
growth rate -14.2% 2.8% 7.9% 29.5% 0.1% 9.2% -5.1% -11.4% 8.0% -11.5%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 2,295.00
2,472.80
2,474.30
1,763.40
1,505.60
1,747.10
growth rate 7.8% 0.1% -28.7% -14.6% 16.0%
Acct.Payable 1,240.10
1,872.20
2,001.30
2,130.50
2,252.70
2,365.50
growth rate 51.0% 6.9% 6.5% 5.7% 5.0%
Cur.Assets 6,778.50
8,145.00
8,485.60
8,361.00
6,880.60
6,891.60
growth rate 20.2% 4.2% -1.5% -17.7% 0.2%
Total Assets 219,087.00
218,660.30
228,014.30
253,941.20
243,036.10
276,087.80
growth rate -0.2% 4.3% 11.4% -4.3% 13.6%
Cash 1,863.90
2,564.80
2,719.60
2,470.80
2,977.50
2,515.90
growth rate 37.6% 6.0% -9.2% 20.5% -15.5%
Cur.Liabilities 2,310.50
3,074.40
2,850.90
2,714.50
2,567.40
3,143.90
growth rate 33.1% -7.3% -4.8% -5.4% 22.5%
Liabilities 208,797.00
209,197.20
217,623.00
240,918.00
231,188.90
261,137.10
growth rate 0.2% 4.0% 10.7% -4.0% 13.0%
LT Debt 2,531.20
3,265.20
3,125.70
3,178.40
3,259.60
3,668.20
growth rate 29.0% -4.3% 1.7% 2.6% 12.5%
Equity 10,183.90
9,311.60
10,227.30
12,849.30
11,390.00
14,618.00
growth rate -8.6% 9.8% 25.6% -11.4% 28.3%
Common Shares 298.00
323.00
318.00
300.00
298.00
298.00
298.00
292.00
293.00
289.00
281.00
growth rate 8.4% -1.6% -5.7% -0.7% 0.0% 0.0% -2.0% 0.3% -1.4% -2.8%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 136.00
136.40
154.90
164.80
92.30
132.40
growth rate 0.3% 13.6% 6.4% -44.0% 43.5%
Cash Dividends 409.60
457.50
464.90
540.00
598.60
606.00
growth rate 11.7% 1.6% 16.2% 10.9% 1.2%
Cash From OA 3,102.90
4,377.10
3,857.80
4,188.00
5,156.50
5,493.20
growth rate 41.1% -11.9% 8.6% 23.1% 6.5%
FCF per Share 5.12
5.54
6.49
7.83
5.08
7.89
12.61
12.34
12.54
12.53
18.35
growth rate 8.2% 17.2% 20.7% -35.1% 55.3% 59.8% -2.1% 1.6% -0.1% 46.5%
Sale Purchase of Stock 77.50
76.10
37.80
162.50
growth rate -1.8% -50.3% 329.9%
FCF 2,217.00
2,770.00
2,656.00
3,042.00
2,162.00
2,967.00
4,240.00
3,703.00
4,023.00
5,064.00
5,361.00
growth rate 24.9% -4.1% 14.5% -28.9% 37.2% 42.9% -12.7% 8.6% 25.9% 5.9%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 10,477.60
11,964.40
12,394.10
14,093.20
14,237.20
16,222.10
growth rate 14.2% 3.6% 13.7% 1.0% 13.9%
Op.Income 1,636.30
1,637.20
1,591.70
2,252.20
1,784.40
1,693.30
growth rate 0.1% -2.8% 41.5% -20.8% -5.1%
IBT 1,494.90
1,430.80
1,591.70
2,252.20
1,784.40
1,693.30
growth rate -4.3% 11.3% 41.5% -20.8% -5.1%
Net Income 1,144.10
1,234.00
1,316.50
2,310.40
1,546.50
1,394.20
growth rate 7.9% 6.7% 75.5% -33.1% -9.9%
EPS 1.97
1.95
1.91
2.58
2.95
3.65
4.06
4.50
7.88
5.36
4.96
growth rate -1.0% -2.1% 35.1% 14.3% 23.7% 11.2% 10.8% 75.1% -32.0% -7.5%
Gross Profit 5,069.20
5,103.20
5,324.30
6,146.00
5,921.10
6,197.20
growth rate 0.7% 4.3% 15.4% -3.7% 4.7%

Quarterly Statements

Item Name Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Earnings BIT 526.00
450.30
345.70
371.30
328.20
growth rate -14.4% -23.2% 7.4% -11.6%
Balance Sheet Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Acct.Receivable 2,492.00
2,408.10
2,433.80
1,747.10
2,336.40
growth rate -3.4% 1.1% -28.2% 33.7%
Acct.Payable 2,276.00
2,308.80
2,341.70
2,365.50
2,384.90
growth rate 1.4% 1.4% 1.0% 0.8%
Cur.Assets 6,320.10
7,366.10
7,370.10
6,891.60
7,754.40
growth rate 16.6% 0.1% -6.5% 12.5%
Total Assets 259,419.90
267,918.00
270,238.40
276,087.80
246,903.90
growth rate 3.3% 0.9% 2.2% -10.6%
Cash 2,259.70
3,315.90
3,198.00
2,515.90
3,482.70
growth rate 46.7% -3.6% -21.3% 38.4%
Cur.Liabilities 2,708.10
2,854.20
3,126.90
3,143.90
2,750.40
growth rate 5.4% 9.6% 0.5% -12.5%
Liabilities 246,120.00
253,511.50
254,996.30
261,137.10
233,691.60
growth rate 3.0% 0.6% 2.4% -10.5%
LT Debt 3,266.40
3,762.40
3,763.90
3,668.20
3,670.10
growth rate 15.2% 0.0% -2.5% 0.1%
Equity 12,694.40
14,034.70
14,804.20
14,618.00
12,907.50
growth rate 10.6% 5.5% -1.3% -11.7%
Common Shares 4.80
4.80
4.80
4.80
4.80
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Capital Expenditures 29.40
36.00
32.70
34.30
18.00
growth rate 22.5% -9.2% 4.9% -47.5%
Cash Dividends 150.20
150.40
153.00
152.40
153.60
growth rate 0.1% 1.7% -0.4% 0.8%
Cash From OA 1,176.40
1,502.00
1,786.40
1,028.40
1,589.10
growth rate 27.7% 18.9% -42.4% 54.5%
Sale Purchase of Stock
growth rate
FCF 1,147.00
1,466.00
1,753.70
994.10
1,571.10
growth rate 27.8% 19.6% -43.3% 58.0%
Income Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Sales 3,743.90
3,972.60
4,458.40
4,047.20
4,551.30
growth rate 6.1% 12.2% -9.2% 12.5%
Op.Income 526.00
450.30
345.70
371.30
328.20
growth rate -14.4% -23.2% 7.4% -11.6%
IBT 526.00
450.30
345.70
371.30
328.20
growth rate -14.4% -23.2% 7.4% -11.6%
Net Income 429.90
386.30
277.10
300.90
288.90
growth rate -10.1% -28.3% 8.6% -4.0%
Gross Profit 1,518.70
1,496.60
1,588.00
1,593.90
1,663.70
growth rate -1.5% 6.1% 0.4% 4.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (57.90)

YOY Growth Grade:

D (37.18)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 7.02 8.37
EPS / Growth 4.47

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 13.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 13.4% 13.4% 13.4%
Future PE 0.01 4.68 11.29
Future EPS 15.75 15.75 15.75
Value Price
MOS %
0.04
-99.9%
18.23
-51.2%
43.96
17.5%
MOS Price 0.02 9.12 21.98
IRT 5.45 5.45 5.45

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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