MEDIUM confidence: 100% data completeness, but the composite (56) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
AI classification of policy/regulatory sensitivity from the company's sector, industry, and business description. Exposure/sensitivity only — not a political opinion, a prediction of government action, or investment advice. As of 2026-07-10.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Dated events from the market calendar; the “also watch” items are AI-generated observations from QScoring data. Informational only — not investment advice, and dates can change.
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $14.4B— | $17.5B+21.5% | $13.7B-22.1% | $16.1B+18.0% | $15.6B-3.1% |
| EPS (dil.) | $5.79— | $18.63+221.8% | $2.55-86.3% | $6.68+162.0% | $5.25-21.4% |
| Free Cash Flow | $3.1B— | $3.1B-1.0% | $3.7B+20.7% | $4.5B+22.9% | $4.4B-2.1% |
| Gross Margin | 49.0% | 63.0%+13.9pp | 43.2%-19.8pp | 45.6%+2.4pp | 45.2%-0.4pp |
| Operating Margin | 13.2% | 34.1%+20.9pp | 5.4%-28.7pp | 11.7%+6.3pp | 9.1%-2.7pp |
| Net Margin | 11.0% | 27.1%+16.2pp | 4.6%-22.6pp | 9.7%+5.2pp | 7.6%-2.2pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Fewer than 3 analysts refreshed a price target in the last month, so no revision can be computed. Prior quarter: $106 avg across 7 analysts.
Buy-rated share 23% → 17% over ~3 months (-6pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jul 2026 | $2.34 | $2.50 | +6.8% |
| Apr 2026 | $2.01 | $2.07 | +3.0% |
| Feb 2026 | $2.23 | $2.19 | -1.8% |
| Oct 2025 | $2.20 | $2.10 | -4.5% |
| Jul 2025 | $1.97 | $2.16 | +9.6% |
| Apr 2025 | $1.82 | $1.81 | -0.5% |
| Feb 2025 | $1.93 | $1.94 | +0.5% |
| Oct 2024 | $1.99 | $1.76 | -11.6% |
Net insider -$2.9M over 180 days (0 open-market buys, 7 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
Working the DCF backward: holding the assumptions below, this is the free-cash-flow growth today's price implies over the next 10 years. It is a read on the price's embedded expectations — not a fair-value or target price.
The price implies FCF growth below the analyst consensus of 5.9%/yr (revenue basis).
Base free cash flow $4.2B (avg FY2023–FY2025; latest year $4.4B) · equity value $24.6B · levered FCF discounted at the cost of equity. Reverse DCF is illustrative, not advice.
The QScore of 56 for Principal Financial Group indicates a moderately positive outlook, driven by strong momentum and relatively low risk. The stock exhibits strong momentum, scoring 68, with a 12-month return of 48.7% and a bullish 50-day versus 200-day moving average trend. However, growth scores are lower at 40, due to negative revenue and EPS growth. The short-term score is 7 points higher than the long-term score, suggesting some near-term optimism.