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

Year-over-year change per cell; first column has no prior.

Balance Sheet

Assets, liabilities, and equity

23 accounts · 10 years

Total assets $341.4B

Total liabilities $329.0B

Shareholders equity $11.9B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	+5.2%	-10.5%	-2.9%	+107.9%	-18.2%	+13.3%	-15.5%	+20.5%	-9.1%	—
Short Term Investments	—	—	—	—	-100.0%	+7.1%	+1.9%	—	—	—
Other Current Assets	+10.1%	-17.0%	-15.3%	+106.6%	-58.1%	-9.9%	-1.7%	+3.6%	+5.7%	—
Property,Plant and Equipment	-8.8%	-18.0%	-5.8%	-4.0%	+1.9%	+5.3%	+26.1%	+1.0%	+8.7%	—
Goodwill	+3.3%	-3.7%	+0.6%	-1.8%	-4.9%	+1.0%	+54.0%	+2.9%	+4.7%	—
Intangible Assets	-8.8%	-5.4%	-4.1%	-4.2%	-7.1%	-3.6%	+35.9%	+0.0%	-0.8%	—
Other Noncurrent Assets	+10.1%	-17.0%	-15.3%	+106.6%	-58.1%	-9.9%	-1.7%	+3.6%	+5.7%	—
Total Assets	+8.8%	+2.8%	+4.4%	-4.1%	+2.7%	+7.4%	+13.6%	-4.3%	+11.4%	—
Liabilities
Current Portion of Long Term Debt	-81.9%	+149.9%	-24.3%	+1.1%	-5.8%	-9.3%	+117.7%	+8.6%	-23.2%	—
Other Current Liabilities	+7.7%	+8.9%	-4.5%	+15.3%	+39.0%	+10.5%	+21.2%	+6.9%	-8.5%	—
Total Current Liabilities	+8.9%	+2.8%	+4.2%	-2.2%	+3.0%	+7.1%	+13.0%	-4.0%	+10.7%	—
Long Term Debt	-0.7%	+0.6%	-1.7%	-6.6%	+0.0%	+14.6%	+14.6%	+2.6%	+1.7%	—
Deferred Tax Liabilities	+8.8%	+5.7%	+33.7%	-48.0%	-0.5%	+29.7%	+87.5%	-12.3%	+12.4%	—
Other Noncurrent Liabilities	+7.7%	+8.9%	-4.5%	+15.3%	+39.0%	+10.5%	+21.2%	+6.9%	-8.5%	—
Total Liabilities	+8.9%	+2.8%	+4.2%	-2.2%	+3.0%	+7.1%	+13.0%	-4.0%	+10.7%	—
Equity
Common Stock	+2.0%	+0.0%	+0.0%	+2.1%	+0.0%	+0.0%	+0.0%	+2.1%	+0.0%	—
Additional Paid In Capital	+1.6%	+1.8%	+1.6%	+2.3%	+1.7%	+1.4%	+1.2%	+1.4%	+2.5%	—
Retained Earnings	+2.8%	+5.4%	-2.1%	+32.3%	+8.8%	+6.9%	+7.6%	+8.5%	+22.8%	—
Treasury Stock	+7.3%	+9.2%	+7.1%	+18.6%	+11.7%	+4.0%	+3.8%	+10.0%	+3.4%	—
Accumulated Other Comprehensive Income	+19.8%	+2.3%	+25.7%	-546.9%	-32.4%	+129.6%	+166.3%	-1045.7%	+124.5%	—
Noncontrolling Interest	-26.3%	-1.8%	+11.2%	-27.1%	-3.4%	-13.9%	+2.7%	-9.1%	+9.2%	—
Total Stockholders Equity	+7.2%	+1.6%	+9.1%	-37.8%	-3.0%	+13.3%	+28.3%	-11.4%	+25.6%	—
Total Liabilitiesand Equity	+8.8%	+2.8%	+4.4%	-4.1%	+2.7%	+7.4%	+13.6%	-4.3%	+11.4%	—

Income Statement

Revenue, expense, and profitability

14 accounts · 10 years

Revenue $15.6B

Operating income $1.2B

Net income $1.2B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Revenues Total Revenue	-3.1%	+18.0%	-22.1%	+21.5%	-2.1%	-9.1%	+13.9%	+1.0%	+13.7%	—
Expenses Depreciation and Amortization	+10.3%	-67.4%	-11.8%	+10.6%	+11.5%	+11.9%	+10.5%	+8.0%	+4.7%	—
Expenses Share Based Compensation	+1.1%	+9.4%	+8.9%	-5.0%	+10.2%	+5.6%	+6.7%	-6.4%	-2.0%	—
Other Income Expense Operating Income	-24.6%	+152.1%	-86.9%	+201.0%	+13.2%	+0.1%	-9.8%	-33.1%	+75.5%	—
Other Income Expense Interest Expense	-15.4%	+36.8%	+58.3%	+20.0%	+0.0%	+0.0%	—	—	—	—
Other Income Expense Other Income/expense	+201.5%	+62.2%	+60.4%	-257.8%	-61.9%	+673.1%	+30.0%	-114.4%	+206.4%	—
Other Income Expense Income Before Tax	-37.4%	+302.6%	-92.8%	+236.2%	+29.6%	-2.1%	-18.6%	-10.1%	+46.5%	—
Income Tax Income Tax Expense	-45.0%	+324.6%	-94.2%	+319.0%	+7.1%	+6.3%	+8.0%	+419.1%	-131.4%	—
net Income net Income	-24.6%	+152.1%	-86.9%	+201.0%	+13.2%	+0.1%	-9.8%	-33.1%	+75.5%	—
net Income Comprehensive Income	+31.3%	-21.6%	+1514.4%	-106.8%	-18.2%	-31.4%	+1504.0%	-109.0%	+105.5%	—
Earnings Per Share Basic Eps	-21.4%	+162.4%	-86.4%	+222.7%	+15.6%	+1.6%	-7.6%	-32.4%	+75.8%	—
Earnings Per Share Diluted Eps	-21.4%	+162.0%	-86.3%	+221.8%	+14.7%	+1.8%	-7.5%	-32.0%	+75.1%	—
Earnings Per Share Weighted Average Shares Basic	-4.0%	-3.9%	-3.9%	-6.7%	-2.1%	-1.4%	-2.5%	-1.1%	-0.2%	—
Earnings Per Share Weighted Average Shares Diluted	-4.1%	-3.8%	-4.2%	-6.4%	-1.3%	-1.6%	-2.7%	-1.5%	+0.1%	—

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 10 years

Operating cash flow $4.5B

Investing cash flow $-4.1B

Financing cash flow $-181.8M

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	-24.6%	+152.1%	-86.9%	+201.0%	+13.2%	+0.1%	-9.8%	-33.1%	+75.5%	—
Operating Activities Depreciation and Amortization	-1.9%	+26.3%	-11.8%	+10.6%	+11.5%	+11.9%	+10.5%	+8.0%	+4.7%	—
Operating Activities Stock Based Compensation	+1.1%	+9.4%	+8.9%	-5.0%	+10.2%	+5.6%	+6.7%	-6.4%	-2.0%	—
Operating Activities Deferred Income Taxes	-1490.4%	+112.8%	-104.8%	+906.4%	-38.9%	+22.7%	-32.2%	+273.2%	-176.6%	—
Operating Activities Changes In Operating Assets and Liabilities	-14847.1%	+99.2%	+37.1%	-3694.4%	-109.1%	+124.8%	-242.2%	+24.2%	+20545.5%	—
Operating Activities Other Non Cash Items	+105.7%	-41.4%	-16.4%	-717.5%	-113.6%	+920.7%	+131.1%	-310.0%	+123.6%	—
Operating Activities net Cash From Operating Activities	-1.4%	+21.4%	+19.5%	-2.5%	-12.3%	-32.5%	+6.5%	+23.1%	+8.6%	—
Investing Activities Business Acquisitions	-79.3%	—	—	—	—	—	—	—	—	—
Investing Activities Purchases of Investments	+4.6%	+31.1%	-41.0%	+16.4%	+5.8%	+11.2%	+1.6%	+4.0%	-2.8%	—
Investing Activities Other Investing Activities	-3.0%	-24.6%	+1247.9%	-52.2%	+284.4%	-92.4%	+61.6%	+327.5%	+372.3%	—
Investing Activities net Cash From Investing Activities	+23.4%	-300.8%	-227.2%	+118.6%	-14.0%	+35.0%	-34.8%	-40.7%	+21.4%	—
Financing Activities Repayment of Debt	+400000.0%	-100.0%	+153.0%	+16677.8%	-97.3%	+104.3%	+2376.9%	-97.7%	-92.9%	—
Financing Activities Repurchase of Common Stock	-13.4%	+40.8%	-55.4%	+77.2%	+205.3%	+9.3%	-58.2%	+204.7%	-20.5%	—
Financing Activities Dividends Paid	+3.9%	+5.3%	-2.6%	-1.8%	+6.4%	+1.4%	+1.2%	+10.9%	+16.2%	—
Financing Activities Proceeds From Stock Issuance	-35.5%	+17.1%	-68.2%	+109.6%	+102.6%	+13.5%	-41.1%	-60.6%	+329.9%	—
Financing Activities Other Financing Activities	-425.0%	+33.3%	-99.4%	+50500.0%	-50.0%	-96.5%	+232.6%	-72.0%	-725.0%	—
Financing Activities net Cash From Financing Activities	-160.5%	+111.6%	-50.7%	-189.3%	+18.5%	-6.5%	+64.7%	+374.1%	-126.5%	—
Cash Reconciliation Effect of Exchange Rate On Cash	+5.2%	-10.5%	-2.9%	+107.9%	-18.2%	+13.3%	-15.5%	+20.5%	—	—
Cash Reconciliation net Change In Cash	+144.2%	-253.4%	-105.6%	+585.9%	-255.1%	+172.3%	-191.1%	+303.7%	-260.7%	—
Cash Reconciliation Cash At Beginning of Period	+5.2%	-10.5%	-2.9%	+107.9%	-18.2%	+13.3%	-15.5%	+20.5%	-9.1%	—
Cash Reconciliation Cash At End of Period	+5.2%	-10.5%	-2.9%	+107.9%	-18.2%	+13.3%	-15.5%	+20.5%	-9.1%	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	+7.6%	+9.7%	+4.6%	+27.1%	+11.0%	+9.5%	+8.6%	+10.9%	+16.4%	+10.6%
Net margin	+7.6%	+9.7%	+4.6%	+27.1%	+11.0%	+9.5%	+8.6%	+10.9%	+16.4%	+10.6%
FCF margin	—	—	—	—	—	—	—	—	—	—
Growth
Revenue CAGR (3y)	-3.8%	+3.8%	-2.5%	+2.6%	+0.4%	+1.5%	+9.4%	+6.0%	+10.4%	+10.1%
Returns
ROE	+10.0%	+14.2%	+5.7%	+47.6%	+9.8%	+8.4%	+9.5%	+13.6%	+18.0%	+12.9%
ROA	+0.3%	+0.5%	+0.2%	+1.6%	+0.5%	+0.5%	+0.5%	+0.6%	+0.9%	+0.6%
ROIC	+8.8%	+11.8%	+5.1%	+40.9%	+7.3%	+6.2%	+7.1%	+11.4%	+17.0%	+10.1%
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	27.68x	27.26x	26.92x	28.19x	17.93x	16.89x	17.86x	20.30x	18.75x	21.28x
Interest coverage	538.68x	604.23x	328.00x	3964.08x	1580.20x	1395.80x	1394.20x	—	—	—
Efficiency
Asset turnover	0.05x	0.05x	0.04x	0.06x	0.05x	0.05x	0.06x	0.06x	0.06x	0.05x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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