Analysis for PFG
$108.96
+1.70
(+1.58%)
- 📈 Growth — 6/30
- 💰 Profitability — 14/20
- 🏦 Financial Health — 14/20
- 💵 Valuation — 13/20
- ⚠️ Risk — 7/10
Overall Score: 50/100
Summary:
📈 Growth & Financial Trajectory
Eight quarters show revenue around mid‑$4B, ending at about $3.91B in 2026‑Q2, after peaking at $4.31B in 2024‑Q3 and 2025‑Q4. Net income ranged from $532M early on to $62.9M in 2025‑Q1, rebounding to $629M in 2025‑Q4 and about $430M in 2026‑Q2.
💰 Margins & Cash Flow
Operating income remained positive, with margins supported by cost discipline; cash flow from operations was robust in most quarters (roughly $1.0–2.1B), while investing activities typically consumed cash.
🛡️ Balance Sheet & Liquidity
Assets run $309–353B, liabilities $297–329B, and equity $11–12B. Long‑term debt sits around $3.9–4.3B. Current assets broadly cover current liabilities, indicating solid liquidity and a conservative capitalization profile for a financial services firm.
⚠️ Key Drivers & Risks
- Drivers: Interest income sensitivity to rates; steady demand for asset/fee‑based services.
- Risks: Earnings volatility from macro/regulatory shifts; valuation sensitivity and cyclicality affecting revenue trajectory.
📊 Key Financial Fundamentals
Valuation Multiples
Market Cap
$25.34B
P/E Ratio
16.26
Forward P/E
11.41
P/S Ratio
1.60
P/B Ratio
1.92
EV / EBITDA
12.09
Profitability & Returns
Gross Margin
N/A
Operating Margin
12.78%
Net Margin
9.86%
ROE
13.12%
ROIC
9.79%
Financial Health & Liquidity
Current Ratio
N/A
Quick Ratio
N/A
Financial Scale & Cash Flow
Revenue
$15.81B
Net Income
$1.56B
FCF Yield
19.15%
Free Cash Flow
$4.85B
Total Debt To Equity
0.36