PFG vs TROW vs RJF
161 measures in 16 categories, one definition each, computed from filings and market data.
PFG56.9
Principal Financial Group, Inc.
Financial Services · Asset Management
$108.81 −0.14%$23.3B mkt cap
Score DNA
TROW78.1
T. Rowe Price Group, Inc.
Financial Services · Asset Management
$100.97 −0.39%$21.5B mkt cap
Score DNA
RJF50.6
Raymond James Financial, Inc.
Financial Services · Asset Management
$156.78 −0.37%$30.1B mkt cap
Score DNA
Price, rebased to 100 three years ago
PFG TROW RJF · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 1 | 0 | 0 |
| Last Congress purchase | 2026-03-27 | — | — |
| 13F net change in holders | +46 | +76 | −18 |
| ETFs adding shares, 30d | 996 | 1,090 | 985 |
| ETFs trimming, 30d | 900 | 968 | 1,017 |
| Net ETF funds, 30d | +96 | +122 | −32 |
Valuation
16 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| P/E (TTM) | 15.1x
56th
|
9.7x
30th
|
13.1x
48th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 4.01
84th
|
0.66
30th
|
1.01
55th
|
| Price / sales | 1.5x
11th
|
2.8x
30th
|
1.8x
15th
|
| Price / book | 1.9x
63rd
|
2.0x
64th
|
2.4x
67th
|
| Price / tangible book | 2.5x
72nd
|
3.0x
78th
|
2.8x
77th
|
| Price / free cash flow | 4.8x
22nd
|
9.9x
48th
|
13.3x
65th
|
| Price / operating cash flow | 4.6x
22nd
|
9.3x
46th
|
12.2x
67th
|
| Enterprise value | $22.4B
83rd
|
$18.7B
81st
|
$15.7B
76th
|
| EV / sales | 1.4x
4th
|
2.5x
17th
|
0.9x
0th
|
| EV / EBITDA | 11.5x
45th
|
6.7x
16th
|
5.0x
12th
|
| EV / EBIT | 11.8x
39th
|
7.5x
20th
|
5.3x
11th
|
| EV / free cash flow | 4.6x
13th
|
8.6x
34th
|
6.9x
22nd
|
| Earnings yield | 6.6%
57th
|
10.3%
78th
|
7.7%
64th
|
| FCF yield | 20.8%
83rd
|
10.1%
61st
|
7.5%
47th
|
| Operating cash flow yield | 21.5%
83rd
|
10.7%
62nd
|
8.2%
44th
|
| Graham number (per share) | $94.01
81st
|
$109.48
85th
|
$130.17
86th
|
Profitability (TTM)
12 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Gross margin | 48.5%
10th
|
70.7%
48th
|
83.5%
76th
|
| EBITDA margin | 12.4%
18th
|
37.1%
42nd
|
18.6%
19th
|
| Operating margin | 12.1%
20th
|
30.3%
51st
|
17.4%
23rd
|
| EBIT margin | 12.1%
20th
|
32.8%
52nd
|
17.4%
23rd
|
| Net margin | 9.9%
35th
|
29.3%
71st
|
13.6%
42nd
|
| NOPAT margin | 10.4%
21st
|
23.2%
51st
|
13.6%
22nd
|
| FCF margin | 30.9%
57th
|
28.7%
55th
|
13.4%
30th
|
| Operating cash flow margin | 31.9%
53rd
|
30.4%
52nd
|
14.6%
30th
|
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 8.9%
48th
|
32.4%
86th
|
63.0%
90th
|
| Stock comp / revenue | 0.0%
0th
|
2.3%
75th
|
2.2%
74th
|
| Effective tax rate | 14.0%
40th
|
23.4%
79th
|
21.7%
75th
|
Returns on capital
11 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| ROE (on average equity) | 13.1%
55th
|
20.6%
78th
|
18.5%
70th
|
| ROA | 0.5%
25th
|
15.0%
86th
|
2.6%
52nd
|
| ROIC | 14.6%
76th
|
21.5%
85th
|
-135.6%
0th
|
| ROCE | 0.6%
18th
|
18.5%
86th
|
11.7%
77th
|
| Return on tangible assets | 0.6%
18th
|
16.8%
83rd
|
3.3%
37th
|
| Cash ROIC (OCF / invested capital) | 44.7%
85th
|
28.1%
79th
|
— |
| Gross profitability (GP / assets) | 2.2%
7th
|
35.0%
94th
|
15.0%
67th
|
| ROIC, 3-yr average | 11.7%
74th
|
21.1%
88th
|
— |
| ROIC, 5-yr average | 19.4%
83rd
|
28.5%
91st
|
— |
| ROE, 5-yr average | 17.6%
81st
|
20.6%
86th
|
17.2%
78th
|
| Incremental ROIC | 58.6%
70th
|
50.2%
68th
|
32.3%
63rd
|
Growth
17 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Revenue growth (TTM YoY) | 3.7%
27th
|
7.0%
34th
|
9.1%
39th
|
| Revenue growth (QoQ) | 10.7%
60th
|
2.7%
40th
|
2.3%
38th
|
| Revenue CAGR, 3 yr | 3.6%
15th
|
6.6%
27th
|
11.1%
44th
|
| Revenue CAGR, 5 yr | 2.6%
28th
|
1.4%
24th
|
13.0%
70th
|
| Gross profit CAGR, 3 yr | 3.4%
12th
|
20.0%
47th
|
8.3%
21st
|
| Operating income CAGR, 3 yr | 0.3%
20th
|
7.6%
38th
|
8.4%
39th
|
| Net income growth (TTM YoY) | 35.7%
62nd
|
9.0%
42nd
|
8.1%
41st
|
| Net income CAGR, 3 yr | -0.2%
35th
|
12.8%
56th
|
9.8%
53rd
|
| EPS growth (TTM YoY) | 40.6%
65th
|
12.1%
47th
|
12.7%
48th
|
| EPS CAGR, 3 yr | 3.8%
39th
|
14.7%
59th
|
12.9%
56th
|
| EPS CAGR, 5 yr | 4.2%
67th
|
-4.5%
52nd
|
15.9%
87th
|
| FCF growth (TTM YoY) | 12.8%
44th
|
65.3%
73rd
|
16.3%
48th
|
| FCF CAGR, 3 yr | 6.5%
44th
|
19.0%
66th
|
— |
| Operating cash flow CAGR, 3 yr | 6.6%
50th
|
14.4%
62nd
|
— |
| Book value CAGR, 3 yr | 9.6%
65th
|
7.7%
57th
|
11.6%
72nd
|
| Dividend CAGR, 3 yr | 5.2%
74th
|
1.8%
59th
|
20.0%
96th
|
| Sustainable growth rate | 7.2%
61st
|
10.0%
68th
|
13.3%
75th
|
Margin history & stability
7 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Gross margin, 3-yr average | 45.9%
18th
|
57.6%
32nd
|
85.4%
87th
|
| Operating margin, 3-yr average | 10.4%
13th
|
31.1%
38th
|
17.5%
21st
|
| Net margin, 3-yr average | 8.5%
23rd
|
28.9%
61st
|
13.6%
30th
|
| FCF margin, 3-yr average | 28.1%
47th
|
21.8%
41st
|
13.0%
33rd
|
| Revenue stability (0-1) | 0.76
65th
|
0.21
26th
|
1.00
97th
|
| Earnings stability (0-1) | 0.20
33rd
|
0.25
37th
|
0.99
100th
|
| Margin stability (0-1) | 0.95
90th
|
0.84
57th
|
0.94
86th
|
Liquidity (latest quarter)
7 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Cash & short-term investments | $5.3B
87th
|
$3.2B
82nd
|
$19.7B
94th
|
| Net cash (− = net debt) | $918.9M
90th
|
$2.8B
92nd
|
$14.4B
97th
|
| Working capital | −$12.1B
3rd
|
$2.3B
85th
|
−$44.2B
0th
|
| Current ratio | 0.30
20th
|
2.18
60th
|
0.36
22nd
|
| Quick ratio | 0.30
20th
|
2.18
60th
|
0.36
22nd
|
| Cash ratio (cash + ST investments / current liabilities) | 0.30
36th
|
1.69
65th
|
0.29
35th
|
| Defensive interval (days) | 579 days
65th
|
496 days
63rd
|
809 days
79th
|
Leverage & solvency (latest quarter)
13 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Total debt | $4.3B
74th
|
$429.4M
22nd
|
$5.3B
77th
|
| Debt / equity | 0.36
19th
|
0.04
8th
|
0.42
25th
|
| Net debt / equity | −0.08
17th
|
−0.25
10th
|
−1.13
3rd
|
| Debt / assets | 1.2%
8th
|
2.8%
13th
|
5.6%
15th
|
| Debt / capital | 26.3%
19th
|
3.8%
8th
|
29.4%
25th
|
| Debt / EBITDA | 2.23
36th
|
0.15
7th
|
1.68
27th
|
| Net debt / EBITDA | −0.47
16th
|
−1.00
13th
|
−4.57
4th
|
| Interest coverage (EBIT / interest) | 190.3x
97th
|
— | 3.4x
64th
|
| Cash interest coverage | 501.2x
97th
|
— | 2.8x
46th
|
| Debt payback (years of OCF) | 0.9 yrs
18th
|
0.2 yrs
8th
|
2.1 yrs
29th
|
| Liabilities / assets | 96.3%
97th
|
20.7%
7th
|
86.5%
92nd
|
| IS credit model rating | BBB+ | AA+ | BB+ |
| Implied credit spread (bps) | 225
26th
|
65
4th
|
400
39th
|
Efficiency
11 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Asset turnover | 0.05
8th
|
0.51
94th
|
0.19
65th
|
| Fixed asset turnover | 20.15
68th
|
6.42
30th
|
13.48
60th
|
| Inventory turnover | — | — | — |
| Receivables turnover | 4.1
21st
|
8.4
49th
|
5.4
32nd
|
| Days sales outstanding | 88 days
81st
|
43 days
54th
|
67 days
70th
|
| Days inventory outstanding | — | — | — |
| Days payables outstanding | 0 days
0th
|
28 days
39th
|
407 days
94th
|
| Cash conversion cycle (days) | 88 days
89th
|
16 days
67th
|
−340 days
7th
|
| Capex / revenue | 1.0%
80th
|
1.7%
86th
|
1.2%
82nd
|
| Capex / depreciation | 3.88
99th
|
0.40
74th
|
0.96
85th
|
| Operating expense ratio | 36.3%
37th
|
28.5%
34th
|
49.0%
57th
|
Cash flow & earnings quality
7 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Operating cash flow / net income | 3.24
84th
|
1.04
45th
|
1.07
47th
|
| FCF / net income | 3.14
87th
|
0.98
48th
|
0.99
50th
|
| FCF / operating cash flow | 96.8%
25th
|
94.4%
22nd
|
92.0%
18th
|
| Capex / operating cash flow | 3.2%
78th
|
5.6%
82nd
|
8.0%
85th
|
| Accruals ratio | -1.0%
55th
|
-0.6%
60th
|
-0.2%
63rd
|
| Sloan accruals ratio | -5.8%
21st
|
-10.9%
15th
|
-0.5%
48th
|
| Earnings quality score (0-1) | 1.00
60th
|
1.00
60th
|
1.00
60th
|
Scores & forensic checks
15 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| IS score | 57
69th
|
78
93rd
|
51
60th
|
| IS profitability | 42
27th
|
85
80th
|
58
48th
|
| IS growth | 60
62nd
|
52
36th
|
53
49th
|
| IS value | 61
42nd
|
83
71st
|
71
57th
|
| IS momentum | 87
81st
|
73
65th
|
75
67th
|
| IS risk (safety) | 15
6th
|
100
83rd
|
15
6th
|
| IS quality | 71
67th
|
89
98th
|
76
82nd
|
| IS balance sheet | 56
69th
|
93
98th
|
59
78th
|
| IS earnings quality | 74
71st
|
81
80th
|
70
53rd
|
| IS cash flow | 90
98th
|
89
97th
|
63
39th
|
| Piotroski F-score (0-9) | 5
30th
|
8
93rd
|
7
74th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −6.15
85th
|
−11.48
3rd
|
−5.64
93rd
|
| IS credit score | 64
74th
|
94
94th
|
50
61st
|
Size (TTM)
8 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| Market cap | $23.3B
85th
|
$21.5B
84th
|
$30.1B
86th
|
| Revenue | $15.7B
88th
|
$7.6B
83rd
|
$16.9B
90th
|
| EBITDA | $1.9B
83rd
|
$2.8B
85th
|
$3.1B
86th
|
| Net income | $1.5B
87th
|
$2.2B
88th
|
$2.3B
91st
|
| Free cash flow | $4.9B
95th
|
$2.2B
91st
|
$2.3B
93rd
|
| Total assets | $352.8B
90th
|
$15.4B
77th
|
$94.2B
84th
|
| Shareholders' equity | $12.1B
85th
|
$11.0B
83rd
|
$12.7B
87th
|
| Employees | 19,700
89th
|
7,544
82nd
|
19,500
88th
|
Price performance
9 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| 1 day | −0.1% | −0.4% | −0.4% |
| 1 week | +1.5% | −4.0% | −1.0% |
| 1 month | −6.2% | −1.8% | −3.9% |
| 3 months | −2.9% | −12.2% | −6.5% |
| 6 months | +13.1% | +6.7% | +4.0% |
| Year to date | +21.7% | +0.3% | −3.1% |
| 1 year | +35.8% | +0.5% | −2.9% |
| 3 years, cumulative | +67.1% | +12.2% | +63.2% |
| 5 years, cumulative | +83.9% | −35.2% | +74.9% |
Technicals
4 measures| Measure | PFG | TROW | RJF |
|---|---|---|---|
| RSI 14 | 41.2 | 37.8 | 37.1 |
| From 52-week high | −10.2% | −16.2% | −13.9% |
| From 52-week low | +41.0% | +21.4% | +13.7% |
| Beta | 0.87 | 1.47 | 0.95 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17