Hold. PFG trades at a reasonable 11.6× forward P/E supported by stable cash generation (64/100 Value Compounder Score), but faces structural headwinds: a maxed Vulnerability Index driven by thin financial buffers and cyclical exposure limit upside. Leadership alignment is solid (70.5/100), yet weak growth (48/100 GCS) and modest ROIC in property-casualty insurance constrain compounder merit. Suitable as a defensive holding for income-focused portfolios.
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Stocky rates PFG (PFG) at 67/100 — a Hold — quality is solid but valuation or risk factors cap upside. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Hold. PFG trades at a reasonable 11.6× forward P/E supported by stable cash generation (64/100 Value Compounder Score), but faces structural headwinds: a maxed Vulnerability Index driven by thin financial buffers and cyclical exposure limit
PFG's current Stocky Verdict is 67/100, placing it in the "Hold" band. This composite combines a 67/100 Compounder score, 71/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for PFG yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
PFG scores 71/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
PFG's Vulnerability Profile scores 100/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to PFG.
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