Principal Financial Group Stock Z Score

PFG Stock

USD 82.16 0.65 0.80%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Principal Financial Piotroski F Score and Principal Financial Valuation analysis.

At this time, Principal Financial's Additional Paid In Capital is most likely to increase significantly in the upcoming years. The Principal Financial's current Change In Working Capital is estimated to increase to about 2.1 B, while Capital Surpluse is projected to decrease to roughly 11 B. At this time, Principal Financial's Net Income Applicable To Common Shares is most likely to increase significantly in the upcoming years. The Principal Financial's current Extraordinary Items is estimated to increase to about 720.5 M, while Interest Expense is projected to decrease to roughly 1.8 M.

Principal Financial Group Company Z Score Analysis

Principal Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Principal Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Principal Financial is extremely important. It helps to project a fair market value of Principal Stock properly, considering its historical fundamentals such as Z Score. Since Principal Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Principal Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Principal Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Long Term Debt	Good Will	Short Term Investments	Total Liab	Total Current Assets	Intangible Assets	Property Plant Equipment	Net Receivables	Treasury Stock	Short Term Debt	Common Stock	Accounts Payable	Deferred Long Term Liab	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Net Invested Capital	Capital Stock
Total Assets		0.79	0.42	0.66	0.42	0.69	0.74	1.0	0.59	0.0	0.9	0.32	-0.9	-0.59	0.78	0.29	0.9	0.49	0.31	0.53	0.68	-0.77	0.04	0.23
Total Stockholder Equity	0.79		0.61	0.37	0.0	0.52	0.74	0.78	0.83	0.01	0.69	-0.11	-0.7	-0.5	0.43	-0.14	0.91	0.88	-0.08	0.22	0.81	-0.61	0.48	-0.08
Net Debt	0.42	0.61		-0.03	-0.21	0.56	0.59	0.41	0.63	0.51	0.36	-0.48	-0.15	0.1	-0.07	-0.5	0.61	0.59	-0.46	-0.21	0.51	-0.29	0.56	-0.4
Retained Earnings	0.66	0.37	-0.03		0.54	0.6	0.22	0.67	0.27	0.13	0.78	0.84	-0.67	-0.28	0.67	0.83	0.56	0.33	0.85	0.84	0.6	-0.76	-0.44	0.67
Long Term Debt	0.42	0.0	-0.21	0.54		0.37	0.28	0.43	0.0	0.06	0.42	0.59	-0.44	-0.15	0.25	0.57	0.19	-0.19	0.49	0.28	0.36	-0.32	-0.64	0.05
Good Will	0.69	0.52	0.56	0.6	0.37		0.43	0.69	0.59	0.72	0.84	0.26	-0.37	0.14	0.35	0.25	0.72	0.46	0.26	0.49	0.62	-0.57	0.13	0.19
Short Term Investments	0.74	0.74	0.59	0.22	0.28	0.43		0.73	0.64	-0.02	0.51	-0.16	-0.67	-0.52	0.3	-0.18	0.79	0.5	-0.18	-0.06	0.68	-0.53	0.22	-0.34
Total Liab	1.0	0.78	0.41	0.67	0.43	0.69	0.73		0.58	0.0	0.91	0.33	-0.9	-0.59	0.79	0.3	0.89	0.47	0.32	0.54	0.67	-0.77	0.03	0.24
Total Current Assets	0.59	0.83	0.63	0.27	0.0	0.59	0.64	0.58		0.27	0.59	-0.23	-0.47	-0.18	0.18	-0.25	0.76	0.81	-0.21	0.08	0.81	-0.5	0.47	-0.23
Intangible Assets	0.0	0.01	0.51	0.13	0.06	0.72	-0.02	0.0	0.27		0.28	-0.06	0.36	0.75	-0.32	-0.05	0.17	0.22	-0.05	0.06	0.24	-0.08	0.2	-0.07
Property Plant Equipment	0.9	0.69	0.36	0.78	0.42	0.84	0.51	0.91	0.59	0.28		0.44	-0.73	-0.31	0.73	0.42	0.82	0.51	0.45	0.7	0.68	-0.81	0.02	0.4
Net Receivables	0.32	-0.11	-0.48	0.84	0.59	0.26	-0.16	0.33	-0.23	-0.06	0.44		-0.43	-0.2	0.58	1.0	0.13	-0.15	0.99	0.82	0.15	-0.39	-0.7	0.8
Treasury Stock	-0.9	-0.7	-0.15	-0.67	-0.44	-0.37	-0.67	-0.9	-0.47	0.36	-0.73	-0.43		0.8	-0.82	-0.4	-0.76	-0.39	-0.42	-0.51	-0.63	0.71	0.16	-0.28
Short Term Debt	-0.59	-0.5	0.1	-0.28	-0.15	0.14	-0.52	-0.59	-0.18	0.75	-0.31	-0.2	0.8		-0.68	-0.18	-0.45	-0.19	-0.19	-0.26	-0.25	0.44	0.08	-0.16
Common Stock	0.78	0.43	-0.07	0.67	0.25	0.35	0.3	0.79	0.18	-0.32	0.73	0.58	-0.82	-0.68		0.57	0.55	0.12	0.6	0.78	0.22	-0.62	-0.17	0.68
Accounts Payable	0.29	-0.14	-0.5	0.83	0.57	0.25	-0.18	0.3	-0.25	-0.05	0.42	1.0	-0.4	-0.18	0.57		0.1	-0.17	0.99	0.82	0.12	-0.37	-0.71	0.81
Deferred Long Term Liab	0.9	0.91	0.61	0.56	0.19	0.72	0.79	0.89	0.76	0.17	0.82	0.13	-0.76	-0.45	0.55	0.1		0.75	0.15	0.42	0.81	-0.67	0.3	0.11
Net Tangible Assets	0.49	0.88	0.59	0.33	-0.19	0.46	0.5	0.47	0.81	0.22	0.51	-0.15	-0.39	-0.19	0.12	-0.17	0.75		-0.1	0.15	0.82	-0.51	0.52	-0.07
Long Term Debt Total	0.31	-0.08	-0.46	0.85	0.49	0.26	-0.18	0.32	-0.21	-0.05	0.45	0.99	-0.42	-0.19	0.6	0.99	0.15	-0.1		0.85	0.14	-0.4	-0.65	0.86
Capital Surpluse	0.53	0.22	-0.21	0.84	0.28	0.49	-0.06	0.54	0.08	0.06	0.7	0.82	-0.51	-0.26	0.78	0.82	0.42	0.15	0.85		0.22	-0.51	-0.32	0.91
Long Term Investments	0.68	0.81	0.51	0.6	0.36	0.62	0.68	0.67	0.81	0.24	0.68	0.15	-0.63	-0.25	0.22	0.12	0.81	0.82	0.14	0.22		-0.68	0.11	-0.1
Short Long Term Debt	-0.77	-0.61	-0.29	-0.76	-0.32	-0.57	-0.53	-0.77	-0.5	-0.08	-0.81	-0.39	0.71	0.44	-0.62	-0.37	-0.67	-0.51	-0.4	-0.51	-0.68		0.1	-0.31
Net Invested Capital	0.04	0.48	0.56	-0.44	-0.64	0.13	0.22	0.03	0.47	0.2	0.02	-0.7	0.16	0.08	-0.17	-0.71	0.3	0.52	-0.65	-0.32	0.11	0.1		-0.35
Capital Stock	0.23	-0.08	-0.4	0.67	0.05	0.19	-0.34	0.24	-0.23	-0.07	0.4	0.8	-0.28	-0.16	0.68	0.81	0.11	-0.07	0.86	0.91	-0.1	-0.31	-0.35

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Principal Financial

Based on the company's disclosures, Principal Financial Group has a Z Score of 0.0. This is 100.0% lower than that of the Insurance sector and 100.0% lower than that of the Financials industry. The z score for all United States stocks is 100.0% higher than that of the company.

Principal Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Principal Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Principal Financial's managers, analysts, and investors.

Environment Score

Governance Score

Social Score

Principal Financial Institutional Holders

Institutional Holdings refers to the ownership stake in Principal Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Principal Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Principal Financial's value.

		Shares
Morgan Stanley - Brokerage Accounts	2023-12-31	3.4 M
Norges Bank	2023-12-31	3.2 M
First Trust Advisors L.p.	2023-12-31	2.8 M
Legal & General Group Plc	2023-12-31	2.2 M
Amvescap Plc.	2023-12-31	2.1 M
Bank Of New York Mellon Corp	2023-12-31	1.9 M
Balyasny Asset Management Llc	2023-12-31	1.4 M
Hsbc Holdings Plc	2023-12-31	1.4 M
Charles Schwab Investment Management Inc	2023-12-31	1.3 M
Vanguard Group Inc	2023-12-31	28.6 M
Blackrock Inc	2023-12-31	18.9 M

Principal Fundamentals

	Return On Equity	0.0624
	Return On Asset	0.0016
	Profit Margin	0.05 %
	Operating Margin	(0.40) %
	Current Valuation	18.5 B
	Shares Outstanding	235.15 M
	Shares Owned By Insiders	1.06 %
	Shares Owned By Institutions	72.74 %
	Number Of Shares Shorted	2.46 M
	Price To Earning	15.73 X
	Price To Book	1.72 X
	Price To Sales	1.37 X
	Revenue	13.67 B
	Gross Profit	11.03 B
	EBITDA	(76 M)
	Net Income	623.2 M
	Cash And Equivalents	3.68 B
	Cash Per Share	14.75 X
	Total Debt	3.99 B
	Debt To Equity	0.42 %
	Current Ratio	1.29 X
	Book Value Per Share	46.17 X
	Cash Flow From Operations	3.79 B
	Short Ratio	1.65 X
	Earnings Per Share	2.55 X
	Price To Earnings To Growth	1.50 X
	Target Price	84.0
	Number Of Employees	19.8 K
	Beta	1.24
	Market Capitalization	19.17 B
	Total Asset	305 B
	Retained Earnings	16.68 B
	Annual Yield	0.03 %
	Five Year Return	3.98 %
	Net Asset	305 B
	Last Dividend Paid	2.6

About Principal Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Principal Financial Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Principal Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Principal Financial Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Principal Financial Investors Sentiment

The influence of Principal Financial's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in Principal. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.

Investor biases related to Principal Financial's public news can be used to forecast risks associated with an investment in Principal. The trend in average sentiment can be used to explain how an investor holding Principal can time the market purely based on public headlines and social activities around Principal Financial Group. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

Principal Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Principal Financial's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Principal Financial's news discussions. The higher the estimated score, the more favorable is the investor's outlook on Principal Financial.

Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Principal Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Principal Financial's short interest history, or implied volatility extrapolated from Principal Financial options trading.

Becoming a Better Investor with Macroaxis

Macroaxis puts the power of mathematics on your side. We analyze your portfolios and positions such as Principal Financial using complex mathematical models and algorithms, but make them easy to understand. There is no real person involved in your portfolio analysis. We perform a number of calculations to compute absolute and relative portfolio volatility, correlation between your assets, value at risk, expected return as well as over 100 different fundamental and technical indicators.

Build Optimal Portfolios

Align your risk with return expectations

By capturing your risk tolerance and investment horizon Macroaxis technology of instant portfolio optimization will compute exactly how much risk is acceptable for your desired return expectations

Fix portfolios for free

When determining whether Principal Financial is a strong investment it is important to analyze Principal Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Principal Financial's future performance. For an informed investment choice regarding Principal Stock, refer to the following important reports:

How To Invest In Principal

Details

Is Principal Stock a good investment?

Details

What is Principal Financial's Net Worth?

Details

Largest Asset Management Companies

View

Largest Financial Services Companies

View

Check out Principal Financial Piotroski F Score and Principal Financial Valuation analysis.

Note that the Principal Financial information on this page should be used as a complementary analysis to other Principal Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.

Complementary Tools for Principal Stock analysis

When running Principal Financial's price analysis, check to measure Principal Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Principal Financial is operating at the current time. Most of Principal Financial's value examination focuses on studying past and present price action to predict the probability of Principal Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Principal Financial's price. Additionally, you may evaluate how the addition of Principal Financial to your portfolios can decrease your overall portfolio volatility.

	Odds Of Bankruptcy Get analysis of equity chance of financial distress in the next 2 years
	Portfolio Center All portfolio management and optimization tools to improve performance of your portfolios
	Price Ceiling Movement Calculate and plot Price Ceiling Movement for different equity instruments
	Stock Screener Find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook.
	Transaction History View history of all your transactions and understand their impact on performance
	Instant Ratings Determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance
	Portfolio Rebalancing Analyze risk-adjusted returns against different time horizons to find asset-allocation targets
	Latest Portfolios Quick portfolio dashboard that showcases your latest portfolios
	ETFs Find actively traded Exchange Traded Funds (ETF) from around the world
	Fundamentals Comparison Compare fundamentals across multiple equities to find investing opportunities
	Portfolio Suggestion Get suggestions outside of your existing asset allocation including your own model portfolios
	Piotroski F Score Get Piotroski F Score based on the binary analysis strategy of nine different fundamentals

Is Principal Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Principal Financial. If investors know Principal will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Principal Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.02)

Dividend Share

2.6

Earnings Share

2.55

Revenue Per Share

56.634

Quarterly Revenue Growth

(0.15)

The market value of Principal Financial is measured differently than its book value, which is the value of Principal that is recorded on the company's balance sheet. Investors also form their own opinion of Principal Financial's value that differs from its market value or its book value, called intrinsic value, which is Principal Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Principal Financial's market value can be influenced by many factors that don't directly affect Principal Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Principal Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Principal Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Principal Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2024 Macroaxis LLC

Principal Financial Group Stock Z Score

Principal Financial Group Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Principal Z Score Driver Correlations

Principal Financial ESG Sustainability

Principal Financial Institutional Holders

Principal Fundamentals

About Principal Financial Fundamental Analysis

Principal Financial Investors Sentiment

Becoming a Better Investor with Macroaxis

Build Optimal Portfolios

Align your risk with return expectations

Complementary Tools for Principal Stock analysis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY