What Is PFG Fair Value?
Principal Financial Group (PFG) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Principal Financial Group (PFG) has a composite fair value estimate of $149.58 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $112.96, suggesting the stock is undervalued by 32.4%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$149.58
vs. current price of $112.96(+32.4%)
How Is PFG Fair Value Calculated?
Four independent models estimate what PFG is worth. Each uses different inputs and assumptions. The composite blends them by weight.
PFG Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$197.29
+74.7%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$95.86
-15.1%Overvalued
Inputs used
PFG Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$107.46
-4.9%Fair Value
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$108.40
-4.0%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $112.96 is 74.7% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $1.63B | $1.50B |
| Year 2 | $1.81B | $1.54B |
| Year 3 | $2.02B | $1.58B |
| Year 4 | $2.26B | $1.62B |
| Year 5 | $2.52B | $1.67B |
| Year 6 | $2.81B | $1.71B |
| Year 7 | $3.13B | $1.76B |
| Year 8 | $3.49B | $1.80B |
| Year 9 | $3.89B | $1.85B |
| Year 10 | $4.34B | $1.90B |
| Terminal Value | $73.04B | $32.03B |
What Are PFG's Key Financial Metrics?
Earnings & Growth
Current Price
$112.96
EPS (TTM)
$6.97
Forward P/E
11.0
Profit Margin
10.1%
Cash & Balance Sheet
Free Cash Flow
1.5B
EBITDA
2.2B
Book Value
$54.59
Total Debt
4.2B
What Do Analysts Say About PFG?
Low
$92.00
Average
$106.08
High
$125.00
Upside
-6.1%
PFG Fair Value FAQ
What is the fair value of PFG?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), PFG's estimated fair value is $149.58. The stock is currently trading at $112.96, which makes it undervalued by our analysis.
How is PFG's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is PFG overvalued or undervalued?
Based on our analysis, PFG is undervalued. The current price of $112.96 is 32.4% below our estimated fair value of $149.58.
What do Wall Street analysts say about PFG?
12 analysts cover Principal Financial Group with a consensus rating of "Hold." The average price target is $106.08, ranging from $92.00 to $125.00. This implies 6.1% downside from the current price.