PFGMEDIUM SIGNALFINANCIAL10-K

Principal Financial Group reported a significant 24.6% decline in net income to $1.2B despite strong asset growth, with AUA increasing to $1.8 trillion and AUM reaching $781B.

The substantial earnings decline amid robust asset growth suggests margin compression or elevated expenses, potentially from market volatility impacts or operational headwinds. The continued growth in assets under administration and management demonstrates the company's ability to attract and retain client assets, which should support future fee income generation.

Comparing 2026-02-18 vs 2025-02-19View on EDGAR →
FINANCIAL ANALYSIS

Principal Financial experienced mixed financial performance with net income declining sharply by 24.6% to $1.2B, while the company reduced share buybacks by 13.4% to $903M, suggesting a more cautious capital allocation approach. The earnings decline contrasts with strong operational metrics showing significant asset growth across both administration and management functions. This divergence between asset growth and profitability indicates potential margin pressure or one-time impacts that investors should monitor closely in upcoming quarters.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
-24.6%
$1.6B$1.2B

Net income declined 24.6% — review whether driven by operations, interest costs, or non-recurring items.

Share Buybacks
Cash Flow
-13.4%
$1.0B$902.7M

Buyback activity reduced 13.4% — capital being redeployed elsewhere or cash conservation underway.

LANGUAGE CHANGES
NEW — 2026-02-18
PRIOR — 2025-02-19
ADDED
The aggregate market value of the shares of the registrant s common equity held by non-affiliates of the registrant was approximately $ 17.7 billion based on the closing price of $79.43 per share of Common Stock on June 30, 2025.
We had $1,814.6 billion in assets under administration ( AUA ), including $781.0 billion in assets under management ( AUM ) as of December 31, 2025.
As of December 31, 2025, we provided WSRS products to (a) over 42,000 defined contribution plans including $625.3 billion in assets and covering approximately 11.3 million eligible plan participants, and (b) to over 1,600 defined benefit plans, including $17.2 billion in assets and covering over 371,000 eligible plan participants.
As of December 31, 2025, of our $7.4 billion variable annuity account balances invested in mutual funds, 88% was allocated to mutual funds managed by the Principal Asset Management segment and our guaranteed option.
As of December 31, 2025, $4.7 billion of the $7.4 billion of variable annuity separate account values had the GMWB rider.
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REMOVED
The aggregate market value of the shares of the registrant s common equity held by non-affiliates of the registrant was approximately $ 18.2 billion based on the closing price of $78.45 per share of Common Stock on June 28, 2024.
We had $1,663.9 billion in assets under administration ( AUA ), including $712.1 billion in assets under management ( AUM ) as of December 31, 2024.
In the fourth quarter of 2024, we implemented changes to our Principal Asset Management segment to align the global operations by business function.
Prior to the fourth quarter of 2024, our Principal Asset Management segment was organized into Principal Global Investors and Principal International.
The Principal Asset Management segment is now organized into Investment Management and International Pension.
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