- The report contains detailed information about Principal Financial Group Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Principal Financial Group Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Principal Financial Group Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Principal Financial Group Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Principal Financial Group Inc. business.
About Principal Financial Group Inc.
Principal Financial Group, Inc. provides retirement savings, investment, and insurance products and services in the United States and selected international markets. The company also offers individual and group life insurance, group health insurance, individual and group disability insurance and group dental and vision insurance.
The company primarily focuses on small and medium-sized businesses. It provides a range of retirement and employee benefit solutions to meet the needs of the business, the business owner, and their employees. With approximately 33,000 plans, the company provides corporate defined contribution plans in the U.S. It operates as an employee stock ownership plan consultant. In addition, the company provides nonqualified plans, defined benefit plans, and plan termination annuities. It provides specialty benefits insurance product solutions.
The companys segments include U.S. Asset Accumulation; Global Asset Management; International Asset Management and Accumulation; and Life and Health Insurance.
U.S. ASSET ACCUMULATION SEGMENT
The U.S. Asset Accumulation Segment offers a portfolio of asset accumulation products and services for retirement savings and investment: to businesses of various sizes with a concentration on small and medium-sized businesses, the company offers products and services for defined contribution pension plans, including 401(k) and 403(b) plans, defined benefit pension plans, nonqualified executive benefit plans and employee stock ownership plan (ESOP) consulting services. For more basic investment needs, the company offers SIMPLE Individual Retirement Accounts (IRA) and payroll deduction plans; to large institutional clients, the company also offers investment-only products, including guaranteed investment contracts (GICs) and funding agreements; and to employees of businesses and other individuals, the company offers the ability to accumulate funds for retirement and savings through mutual funds, individual annuities, and bank products.
The company organizes its U.S. asset accumulation operations into six product and service categories: full service accumulation, Principal Funds (mutual fund business), individual annuities, bank and trust services, investment only, and full service payout.
Full Service Accumulation
The company offers various investment and administrative products for defined contribution pension plans, including 401(k) and 403(b) plans, defined benefit pension plans, non-qualified executive benefit plans and ESOPs. As of December 31, 2009, the company provided full service accumulation products to 32,359 defined contribution pension plans, of which 26,625 were 401(k) plans, covering 3.3 million plan participants, and to 2,694 defined benefit pension plans, covering 338,646 plan participants.
The company delivers both administrative and investment services to its defined contribution plan and defined benefit plan customers through annuities and mutual funds. Its mutual fund offering is called Principal Advantage. It is a qualified plan product based on its series mutual fund, Principal Funds, Inc. The company offers investments covering a range of stable value, equity, fixed income, real estate, and international investment options managed by its Global Asset Management segment, as well as third-party asset managers.
Markets and Distribution: The company offers its full service accumulation products and services to employer-sponsored pension plans, including qualified and nonqualified defined contribution plans and defined benefit plans. It distributes its full service accumulation products and services nationally, primarily through a captive retirement services sales force.
The company offers mutual funds to individuals, businesses, and institutional investors for use with in variable life and variable annuity contracts, for use in employer-sponsored pension plans, as a rollover investment option, and for general investment purposes.
Products and Services
The company provides accounting, compliance, corporate governance, and product development for mutual funds it organizes. As of Dec
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1. PRINCIPAL FINANCIAL GROUP INC. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. PRINCIPAL FINANCIAL GROUP INC. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. PRINCIPAL FINANCIAL GROUP INC. SWOT ANALYSIS
4. PRINCIPAL FINANCIAL GROUP INC. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. PRINCIPAL FINANCIAL GROUP INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Principal Financial Group Inc. Direct Competitors
5.2. Comparison of Principal Financial Group Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Principal Financial Group Inc. and Direct Competitors Stock Charts
5.4. Principal Financial Group Inc. Industry Analysis
5.4.1. Insurance Industry Snapshot
5.4.2. Principal Financial Group Inc. Industry Position Analysis
6. PRINCIPAL FINANCIAL GROUP INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. PRINCIPAL FINANCIAL GROUP INC. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. PRINCIPAL FINANCIAL GROUP INC. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. PRINCIPAL FINANCIAL GROUP INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. PRINCIPAL FINANCIAL GROUP INC. PORTER FIVE FORCES ANALYSIS2
12. PRINCIPAL FINANCIAL GROUP INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Principal Financial Group Inc. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Principal Financial Group Inc. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Principal Financial Group Inc. Major Shareholders
Principal Financial Group Inc. History
Principal Financial Group Inc. Products
Revenues by Segment
Revenues by Region
Principal Financial Group Inc. Offices and Representations
Principal Financial Group Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Principal Financial Group Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Principal Financial Group Inc. Capital Market Snapshot
Principal Financial Group Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Insurance Industry Statistics
Principal Financial Group Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Principal Financial Group Inc. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Principal Financial Group Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Principal Financial Group Inc. 1-year Stock Charts
Principal Financial Group Inc. 5-year Stock Charts
Principal Financial Group Inc. vs. Main Indexes 1-year Stock Chart
Principal Financial Group Inc. vs. Direct Competitors 1-year Stock Charts
Principal Financial Group Inc. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?