Value
7.5/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 7.8 |
| P/S | 9.3 |
| EV/EBITDA | 5.6 |
| Fwd P/E | 9.2 |
| PEG | 10.0 |
| Analyst target | 3.0 |
- ▸Forward P/E: 10.7x
- ▸PEG: 0.01
- ▸Attractively valued
PFG · Why this verdict
Why Principal Financial Group (PFG) is rated SELL
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictSELL
Overall score4.8/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
5.3/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 4.5 |
| ROA | 0.2 |
| Gross margin | 5.5 |
| Op margin | 5.9 |
| Net margin | 5.1 |
| Current ratio | 5.6 |
| FCF quality | 6.7 |
| Moat | 5.1 |
| Piotroski F | 8.9 |
- ▸No competitive moat
- ▸Strong Piotroski F-Score: 8/9
Growth
1.4/10data confidence 33%| Component | Sub-score |
|---|---|
| Rev growth | 1.4 |
- ▸Declining revenue: -4%
Momentum
7.0/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.2 |
| MACD | 10.0 |
| OBV | 10.0 |
| MA position | 9.0 |
| Volume | 1.9 |
- ▸Overbought (RSI 76)
- ▸Volume accumulation (rising OBV)
- ▸Above 200-day MA
Sentiment
4.4/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 5.0 |
| Price target | 3.7 |
| erm sentiment | 4.4 |
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.1 |
- ▸Insider selling (low materiality) — $2,884,902 (0.012% of mkt cap)
Peer rank
3.3/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 6.6 |
| quality rank | 4.0 |
| growth rank | 2.7 |
Technical
3.4/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 0.0 |
| support resistance | 0.3 |
| 52w position | 9.9 |
Risk (lower is worse)
6.5/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 7.4 |
| days to cover | 1.4 |
| volatility | 8.2 |
| put call | 5.8 |
| implied vol | 6.2 |
| beta | 7.6 |
| debt equity | 8.7 |
Catalyst
4.6/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 6.5 |
| earnings history | 3.3 |
| earnings timing | 5.0 |
| surprise avg | 3.3 |
| dividend safety | 4.8 |
- ▸Earnings concerns: 2B/2M
- ▸Yield trap warning: high yield but unsafe
How the verdict was assembled
Engine trigger
Multiple concerning factors. Consider reducing position.
Engine technical detail
verdict_path:
L4:PATH_F_SELLPassed (7)
- MOMENTUM:7.0>=5.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:45d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- ASYMMETRY:-1.7=NEGATIVE
Warning (0)
none
Reward-to-Risk
-1.71
Upside
-20.5%
Downside
12.0%
Sizing output
AVOID
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityMODERATE — Balanced profile
Investment implication
The F-path SELL output reflects an overall score of 4.8 below the 5.6 soft trigger — multiple weakening dimensions accumulated rather than a single hard-floor breach. The strongest dimension ( Value at 7.5) was not enough to lift the adjusted overall above the threshold. Co-occurring failed gates ( ASYMMETRY:-1.7=NEGATIVE) reinforce the read. Current asymmetry R:R is -1.71 — supplementary context, not the trigger for this path.
The strongest dimensions are Value at 7.5, Momentum at 7.0, and Risk (lower is worse) at 6.5; the weakest are Growth at 1.4, Peer rank at 3.3, and Technical at 3.4. The V9 engine flagged 1 failed gate, producing an asymmetric reward-to-risk of -1.71 and an engine sizing output of AVOID.