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Principal Financial Group
Principal Financial Group (PFG) investor relations material
Principal Financial Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Achieved strong third-quarter and year-to-date results, with adjusted EPS up 13% year-over-year and 14% year-to-date, exceeding targets; ROE reached 15.5%, within the 14-16% target range.
Net income attributable to shareholders was $214 million for Q3 2025, reversing a prior year loss; total revenues for Q3 2025 were $3.68 billion, up 22% year-over-year.
Returned $398–$400 million to shareholders in Q3 2025, including $225 million in share repurchases and an 8% dividend increase.
Progressed on strategic priorities in retirement, small/mid-sized businesses, and global asset management.
Assets under management reached $784 billion, with $0.4 billion in net cash flow; assets under administration totaled $1.8 trillion.
Financial highlights
Non-GAAP operating earnings were $474 million ($2.10/share), up 15–19% year-over-year; excluding significant variances, $523 million ($2.32/share), up 13% year-over-year.
Reported net income (excluding exited business) was $466 million, up 11% year-over-year.
Managed AUM reached $784 billion, up 4% sequentially, driven by market performance and positive net cash flow.
Book value per common share rose to $52.90, up from $49.01 at year-end 2024.
Free cash flow YTD was 91% of non-GAAP net income, above the 75-85% target.
Outlook and guidance
Management remains confident in delivering full-year financial targets and advancing strategic initiatives, with continued margin expansion and elevated capital deployment expected.
Raised 4Q25 common stock dividend to $0.79, an 8% increase year-over-year.
Liquidity remains strong, with $2.68 billion in cash and liquid assets at holding companies and subsidiaries.
Life Insurance actuarial review impact drivers?
Future capital deployment strategy?
Alternative investment valuation sensitivity drivers?
What drove the significant share count reduction?
Detail Specialty Benefits' underwriting improvements.
Explain the AUM net cash flow turnaround.
Capital allocation priorities beyond 2025?
Sustainability of asset management flow turnaround?
M&A philosophy for future growth opportunities?
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Next Principal Financial Group earnings date
Q4 202510 Feb, 2026
Principal Financial Group
Next Principal Financial Group earnings date
Q4 202510 Feb, 2026
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Frequently asked questions
Principal Financial Group, Inc. provides retirement, asset management, and insurance products and services to businesses, individuals, and institutional clients. The company operates through three segments: Principal Retirement Group, Principal Life Insurance Company, and group benefits services. It offers retirement plans and savings products; defined contribution plan services; health savings accounts, medical savings accounts, individual disability income insurance policies, group disability income insurance policies, stop-loss insurance products; preferred provider organization and point-of-service plans; fixed indexed annuity products; life insurance policies; various electronic delivery channels comprising its interactive voice recognition telephone system for customer service operations that support transaction processing and customer service activities including individual service policy requests for insurance and investment products; e-mail notification of transactions to customers of customers' accounts, or special offers and events; information systems support for its customer service operations, risk management processes and business continuity activities.
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