Principal Financial Group, Inc.

LSE:0KO5 Stock Report

Market Cap: US$17.7b

Principal Financial Group Valuation

Is 0KO5 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0KO5 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0KO5 ($77.31) is trading below our estimate of fair value ($191.69)

Significantly Below Fair Value: 0KO5 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0KO5?

Key metric: As 0KO5 is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for 0KO5. This is calculated by dividing 0KO5's market cap by their current revenue.
What is 0KO5's PS Ratio?
PS Ratio1.3x
SalesUS$14.07b
Market CapUS$17.66b

Price to Sales Ratio vs Peers

How does 0KO5's PS Ratio compare to its peers?

The above table shows the PS ratio for 0KO5 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average0.9x
LGEN Legal & General Group
1.1x7.3%UK£13.4b
PHNX Phoenix Group Holdings
0.2x-20.4%UK£5.1b
PRU Prudential
1.9x21.0%UK£16.9b
JUST Just Group
0.5x21.7%UK£1.7b
0KO5 Principal Financial Group
1.3x7.8%US$17.7b

Price-To-Sales vs Peers: 0KO5 is expensive based on its Price-To-Sales Ratio (1.3x) compared to the peer average (0.9x).

Price to Sales Ratio vs Industry

How does 0KO5's PS Ratio compare vs other companies in the GB Insurance Industry?

1 CompanyPrice / SalesEstimated GrowthMarket Cap
RQIH R&Q Insurance Holdings
0.001xn/aUS$360.20k
No more companies available in this PS range
0KO5 1.3xIndustry Avg. 1.0xNo. of Companies3PS00.61.21.82.43+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: 0KO5 is expensive based on its Price-To-Sales Ratio (1.3x) compared to the European Insurance industry average (1x).

Price to Sales Ratio vs Fair Ratio

What is 0KO5's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0KO5 PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio1.3x
Fair PS Ratio1.2x

Price-To-Sales vs Fair Ratio: 0KO5 is expensive based on its Price-To-Sales Ratio (1.3x) compared to the estimated Fair Price-To-Sales Ratio (1.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0KO5 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$77.31
US$88.67
+14.7%
8.3%US$99.00US$75.00n/a12
Dec ’25US$87.09
US$89.92
+3.2%
6.4%US$99.00US$77.00n/a12
Nov ’25US$82.38
US$88.17
+7.0%
6.2%US$99.00US$77.00n/a12
Oct ’25US$85.28
US$84.85
-0.5%
9.3%US$99.00US$70.00n/a13
Sep ’25US$81.02
US$85.75
+5.8%
8.8%US$99.00US$70.00n/a12
Aug ’25US$80.12
US$85.92
+7.2%
8.8%US$99.00US$70.00n/a12
Jul ’25US$78.07
US$83.73
+7.2%
6.8%US$89.00US$68.00n/a11
Jun ’25US$81.49
US$83.36
+2.3%
7.4%US$89.00US$68.00n/a11
May ’25US$78.90
US$82.82
+5.0%
7.4%US$89.00US$68.00n/a11
Apr ’25US$86.09
US$82.45
-4.2%
6.8%US$88.00US$68.00n/a11
Mar ’25US$80.37
US$82.45
+2.6%
6.8%US$88.00US$68.00n/a11
Feb ’25US$77.60
US$78.92
+1.7%
8.1%US$88.00US$68.00n/a12
Jan ’25US$78.67
US$75.58
-3.9%
8.9%US$86.00US$62.00n/a12
Dec ’24US$74.55
US$74.77
+0.3%
8.8%US$86.00US$62.00US$87.0913
Nov ’24US$66.78
US$74.62
+11.7%
8.9%US$86.00US$62.00US$82.3813
Oct ’24US$72.75
US$77.31
+6.3%
9.7%US$87.00US$64.00US$85.2813
Sep ’24US$78.19
US$77.69
-0.6%
9.3%US$87.00US$64.00US$81.0213
Aug ’24US$79.02
US$77.69
-1.7%
9.3%US$87.00US$64.00US$80.1213
Jul ’24US$76.22
US$76.31
+0.1%
10.7%US$94.00US$64.00US$78.0713
Jun ’24US$65.61
US$76.23
+16.2%
11.4%US$94.00US$60.00US$81.4913
May ’24US$73.89
US$76.14
+3.0%
11.0%US$94.00US$60.00US$78.9014
Apr ’24US$74.03
US$79.15
+6.9%
12.9%US$94.00US$58.00US$86.0913
Mar ’24US$91.21
US$83.77
-8.2%
12.5%US$100.00US$65.00US$80.3713
Feb ’24US$91.13
US$82.46
-9.5%
12.3%US$100.00US$65.00US$77.6013
Jan ’24US$84.76
US$78.46
-7.4%
11.7%US$90.00US$61.00US$78.6713
Dec ’23US$90.69
US$78.46
-13.5%
11.7%US$90.00US$61.00US$74.5513

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/31 23:20
End of Day Share Price 2024/12/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Principal Financial Group, Inc. is covered by 28 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullArgus Research Company
John HeagertyAtlantic Equities LLP
Jay GelbBarclays