PFG Stock Analysis: Buy, Sell, or Hold?
PFG - Principal Financial Group, Inc.
$94.72
-0.04 (-0.04%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 09, 2026
8d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PFG is fairly valued with market pricing in 2.1% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: PFG is fairly valued with market pricing in 2.1% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$133.70
Based on 8.5% avg growth
INTRINSIC VALUE TODAY
$83.02
Trading above fair value
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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PFG is currently trading at $94.72, which is considered extended relative to its 30-day fair value range of $88.96 to $92.58. The stock's valuation (Forward PE: 10.1) is in line with its historical norms (9.5). At these levels, the market is pricing in 2.1% 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 strong uptrend. The price is approaching resistance at $95.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PFG has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PFG is in a strong uptrend. The price is approaching resistance at $95.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PFG has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$88.96 -
$92.58
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
Protect Your Profits
Holding PFG? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($92.91)
- NEUTRAL: Market pricing in 2.1% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$88.96 -
$92.58
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$87.08
Resistance Level
$95.40
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.10
Wall Street Target
$92.91
(-2.0%)
Revenue Growth (YoY)
22.2%
Earnings Growth (YoY)
20.1%
Profit Margin
10.0%
Valuation Premium vs History
+2.1% premium
PE vs Historical
10.1 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.1%
(market-implied from PE analysis)
1-Year Target
$96.75
(+2%)
2-Year Target
$98.78
(+4%)
3-Year Target
$100.86
(+6%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$94.84
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 13.0%)
$301.67
(+218%)
Base:
(SPY PE: 10.1, Growth: 13.0%)
$136.67
(+44%)
Bear:
(PE: 8.6, Growth: 13.0%)
$116.17
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 13.79 | Current EPS (TTM): $6.82
Bull Case
$142.28
(+50%)
Analyst growth 37.5%, PE expands to 15.2
Base Case
$129.35
(+37%)
Market implied 37.5%, PE stable at 13.8
Bear Case
$63.95
(-33%)
Severe decline -20.0%, PE contracts to 11.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 31, 2026 1:46 AM ET
Data refreshes hourly during market hours. Next update: 2:46 AM
Data refreshes hourly during market hours. Next update: 2:46 AM
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Technical Signals Check
Is PFG showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
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.
