Financials·Life & Health Insurance·$21.5B
Principal Financial Group (PFG) operates in the financial sector, specifically in life and health insurance. With a market cap of $22 billion, it plays a vital role in providing financial security and insurance solutions to individuals and businesses, which is particularly important in today's uncertain economic climate.
Earnings Per Share (EPS)
EPS is a key indicator of profitability, and investors will be keen to see if PFG can continue its trend of beating estimates.
Premiums Written
This metric reflects the company's ability to attract new customers and grow its insurance business, crucial for future revenue.
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Principal Financial Group (PFG) operates in the financial sector, specifically in life and health insurance. With a market cap of $22 billion, it plays a vital role in providing financial security and insurance solutions to individuals and businesses, which is particularly important in today's uncertain economic climate.
EPS Beat Streak
2Q
EPS Beat Rate
50%
Avg EPS Surprise
-2.18%
Avg Stock Reaction
-0.16%
In Q1 2026, PFG reported an EPS of $2.07, slightly above the estimate of $2.01, marking a 2.99% surprise. However, the stock declined by 0.44% the following day, suggesting mixed investor sentiment.
Management Promises & Guidance
Overall expectations for PFG are mixed, with some analysts anticipating continued growth in EPS while others are cautious due to recent stock performance.
Bull Case
The bullish perspective hinges on PFG's ability to exceed EPS expectations and demonstrate strong growth in premiums written, indicating robust demand for its insurance products.
Bear Case
Conversely, the bearish view is driven by concerns over rising claims ratios and potential economic headwinds that could impact profitability.
Earnings Per Share (EPS)
N/AEPS is a key indicator of profitability, and investors will be keen to see if PFG can continue its trend of beating estimates.
Premiums Written
N/AThis metric reflects the company's ability to attract new customers and grow its insurance business, crucial for future revenue.
Claims Ratio
N/AA lower claims ratio indicates better profitability for insurance companies, making it a critical measure for PFG's performance.
The print will turn on these two things.
Q1
What is the expected claims ratio for the quarter?
The claims ratio will be crucial in determining PFG's profitability and could significantly influence investor sentiment.
Q2
How much growth in premiums written is expected this quarter?
Growth in premiums is essential for the company's revenue and overall health, and any shortfall could raise concerns.
Why consensus could be wrong
The Street may be underestimating PFG's ability to manage claims effectively, which could lead to better-than-expected profitability this quarter.
Supporting Evidence
PFG has historically shown resilience in managing claims, even during economic downturns.
Recent trends in the insurance market indicate a potential increase in premiums that may not be fully reflected in current estimates.
The company's focus on digital solutions could enhance customer acquisition and retention.
Key Risk
If the claims ratio comes in significantly lower than 70%, it could challenge the current bearish sentiment.
Pre-commit to what would confirm each case.
This quarter's performance is pivotal as it will indicate whether PFG can maintain profitability amidst potential economic challenges.
Bull Confirmed If
An EPS of $2.10 or higher with a claims ratio below 70% would confirm the bull case.
Bear Confirmed If
An EPS below $2.00 or a claims ratio above 75% would confirm the bear case.
Implied Move
±N/A
There is no options market data available to gauge investor sentiment ahead of the earnings report.
Likely market behavior by outcome — not investment advice.
Beat & Raise
If PFG beats expectations, history suggests the stock could rise by around 0.71%, confirming a positive outlook for growth.
In-Line / Cautious
If results are in line but management provides cautious commentary, the stock may see limited movement as investors reassess future growth.
Miss
A miss could lead to a decline of approximately 0.53%, as seen in past quarters when expectations were not met.
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NBT BANCORP INC
Jul 27, 2026