Principal Financial Group

Financials Life & Health Insurance Des Moines, Iowa Last filing Feb 18, 2026 · FY2025

                    Revenue
                    FY2025
                
$15.6B
                    3y CAGR -3.8%
                    
                    P4
                    
                    -3.1%
                    
                    Net income
                    FY2025
                
$1.2B
                    Net margin +7.6%
                    
                    P11
                    
                    -24.6%
                    
                    Total assets
                    FY2025
                
$341.4B
                    ROA +0.3%
                    
                    P3
                    
                    +8.8%
                    
                    Operating cash flow
                    FY2025
                
$4.5B
                    
                    -1.4%

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s revenue.

Balance Sheet

Assets, liabilities, and equity

23 accounts · 5 years

Total assets $341.4B

Total liabilities $329.0B

Shareholders equity $11.9B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	28.4%	26.1%	34.4%	27.6%	16.2%
Short Term Investments	0.0%	0.0%	0.0%	0.0%	0.0%
Other Current Assets	5.2%	4.6%	6.6%	6.0%	3.5%
Property,Plant and Equipment	4.5%	4.8%	6.9%	5.7%	7.2%
Goodwill	10.2%	9.6%	11.8%	9.1%	11.3%
Intangible Assets	8.1%	8.6%	10.8%	8.7%	11.1%
Other Noncurrent Assets	5.2%	4.6%	6.6%	6.0%	3.5%
Total Assets	2184.7%	1944.9%	2232.2%	1666.5%	2111.6%
Liabilities
Current Portion of Long Term Debt	0.2%	0.9%	0.4%	0.5%	0.6%
Other Current Liabilities	87.0%	78.3%	84.9%	69.3%	73.1%
Total Current Liabilities	2105.4%	1873.8%	2150.2%	1607.7%	1997.5%
Long Term Debt	25.1%	24.5%	28.8%	22.8%	29.7%
Deferred Tax Liabilities	11.9%	10.6%	11.8%	6.9%	16.1%
Other Noncurrent Liabilities	87.0%	78.3%	84.9%	69.3%	73.1%
Total Liabilities	2105.4%	1873.8%	2150.2%	1607.7%	1997.5%
Equity
Common Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Additional Paid In Capital	72.2%	68.8%	79.8%	61.2%	72.7%
Retained Earnings	115.7%	109.0%	122.1%	97.2%	89.3%
Treasury Stock	85.0%	76.8%	82.9%	60.4%	61.9%
Accumulated Other Comprehensive Income	-26.8%	-32.4%	-39.1%	-41.1%	11.2%
Noncontrolling Interest	0.2%	0.3%	0.3%	0.2%	0.4%
Total Stockholders Equity	76.1%	68.7%	79.9%	57.0%	111.4%
Total Liabilitiesand Equity	2184.7%	1944.9%	2232.2%	1666.5%	2111.6%

Income Statement

Revenue, expense, and profitability

14 accounts · 5 years

Revenue $15.6B

Operating income $1.2B

Net income $1.2B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%	100.0%	100.0%
Expenses Depreciation and Amortization	0.5%	0.4%	1.5%	1.3%	1.4%
Expenses Share Based Compensation	0.7%	0.7%	0.7%	0.5%	0.7%
Other Income Expense Operating Income	7.6%	9.7%	4.6%	27.1%	11.0%
Other Income Expense Interest Expense	0.0%	0.0%	0.0%	0.0%	0.0%
Other Income Expense Other Income/expense	0.2%	-0.2%	-0.5%	-1.0%	0.8%
Other Income Expense Income Before Tax	6.7%	10.3%	3.0%	32.9%	11.9%
Income Tax Income Tax Expense	1.0%	1.8%	0.5%	6.8%	2.0%
net Income net Income	7.6%	9.7%	4.6%	27.1%	11.0%
net Income Comprehensive Income	14.2%	10.5%	15.8%	-0.9%	15.5%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	1.4%	1.4%	1.8%	1.4%	1.9%
Earnings Per Share Weighted Average Shares Diluted	1.4%	1.5%	1.8%	1.5%	1.9%

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 5 years

Operating cash flow $4.5B

Investing cash flow $-4.1B

Financing cash flow $-181.8M

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	7.6%	9.7%	4.6%	27.1%	11.0%
Operating Activities Depreciation and Amortization	1.6%	1.6%	1.5%	1.3%	1.4%
Operating Activities Stock Based Compensation	0.7%	0.7%	0.7%	0.5%	0.7%
Operating Activities Deferred Income Taxes	-0.6%	0.0%	-0.4%	6.7%	0.8%
Operating Activities Changes In Operating Assets and Liabilities	-1.6%	-0.0%	-1.6%	-1.9%	-0.1%
Operating Activities Other Non Cash Items	0.1%	-1.3%	-1.1%	-0.7%	-0.1%
Operating Activities net Cash From Operating Activities	29.0%	28.5%	27.8%	18.1%	22.6%
Investing Activities Business Acquisitions	0.0%	0.2%	—	—	—
Investing Activities Purchases of Investments	100.2%	92.8%	83.5%	110.4%	115.2%
Investing Activities Other Investing Activities	4.3%	4.3%	6.7%	0.4%	1.0%
Investing Activities net Cash From Investing Activities	-26.5%	-33.5%	-9.9%	6.0%	-39.5%
Financing Activities Repayment of Debt	2.6%	0.0%	5.6%	1.7%	0.0%
Financing Activities Repurchase of Common Stock	5.8%	6.5%	5.4%	9.5%	6.5%
Financing Activities Dividends Paid	4.4%	4.1%	4.6%	3.7%	4.5%
Financing Activities Proceeds From Stock Issuance	0.3%	0.4%	0.4%	1.0%	0.6%
Financing Activities Other Financing Activities	-0.0%	0.0%	0.0%	0.3%	0.0%
Financing Activities net Cash From Financing Activities	-1.2%	1.9%	-18.9%	-9.8%	13.3%
Cash Reconciliation Effect of Exchange Rate On Cash	28.4%	26.1%	34.4%	27.6%	16.2%
Cash Reconciliation net Change In Cash	1.4%	-3.1%	-1.0%	14.3%	-3.6%
Cash Reconciliation Cash At Beginning of Period	28.4%	26.1%	34.4%	27.6%	16.2%
Cash Reconciliation Cash At End of Period	28.4%	26.1%	34.4%	27.6%	16.2%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	+7.6%	+9.7%	+4.6%	+27.1%	+11.0%
Net margin	+7.6%	+9.7%	+4.6%	+27.1%	+11.0%
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	-3.8%	+3.8%	-2.5%	+2.6%	+0.4%
Returns
ROE	+10.0%	+14.2%	+5.7%	+47.6%	+9.8%
ROA	+0.3%	+0.5%	+0.2%	+1.6%	+0.5%
ROIC	+8.8%	+11.8%	+5.1%	+40.9%	+7.3%
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	27.68x	27.26x	26.92x	28.19x	17.93x
Interest coverage	538.68x	604.23x	328.00x	3964.08x	1580.20x
Efficiency
Asset turnover	0.05x	0.05x	0.04x	0.06x	0.05x
Cash conversion cycle	—	—	—	—	—

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Principal Financial Group

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