EG's Q3 Earnings and Revenues Fall Short of Expectations Due to Weak Underwriting Performance
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 30 2025
0mins
Source: NASDAQ.COM
Everest Group Performance: Everest Group, Ltd. reported a third-quarter 2025 operating income of $7.54 per share, missing estimates by 43.7% and down 48.4% year over year, with total operating revenues of $4.3 billion, a 0.7% increase but below consensus expectations.
Principal Financial Group Results: Principal Financial Group, Inc. had a third-quarter 2025 operating net income of $2.10 per share, missing estimates by 3.6% but up 19% year over year, with operating revenues increasing 6.2% to $3.8 billion, also below consensus.
Chubb Limited Earnings: Chubb Limited reported a core operating income of $7.49 per share for the third quarter of 2025, exceeding estimates by 26% and up 30.9% year over year, with net premiums written increasing 7.5% to $14.8 billion.
Travelers Companies Performance: The Travelers Companies, Inc. reported a core income of $8.14 per share, beating estimates by 35.4% and increasing 55% year over year, with total revenues rising 5% to $12.44 billion, driven by higher premiums and net investment income.
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Analyst Views on PFG
Wall Street analysts forecast PFG stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for PFG is 91.33 USD with a low forecast of 74.00 USD and a high forecast of 103.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
1 Buy
6 Hold
2 Sell
Hold
Current: 95.500
Low
74.00
Averages
91.33
High
103.00
Current: 95.500
Low
74.00
Averages
91.33
High
103.00
About PFG
Principal Financial Group, Inc. is a global financial company. The Company offers businesses, individuals, and institutional clients a range of financial products and services, including retirement, asset management and insurance, through its diverse family of financial services companies. The Company's segments include Retirement and Income Solutions, Principal Asset Management, and Benefits and Protection. The Retirement and Income Solutions segment offers workplace savings and retirement solutions, banking, trust and custodial services, individual variable annuities, and pension risk transfer, among others. The Principal Asset Management segment provides global investment solutions to institutional, retirement, retail, and high-net worth investors. The Benefits and Protection segment is organized into Specialty Benefits, which provides group dental, group life insurance, group disability insurance, supplemental health products, and individual disability and life insurance.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Principal Financial Group to Announce Q4 Earnings on February 9
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- Performance Expectations: Over the past two years, PFG has beaten EPS estimates 50% of the time but has never exceeded revenue expectations, indicating a level of uncertainty in profitability that may affect investor confidence.
- Estimate Revision Dynamics: In the last three months, EPS estimates have seen six upward revisions and two downward adjustments, while revenue estimates experienced one upward and one downward revision, reflecting mixed market sentiments regarding the company's future performance that could impact shareholder decisions.
- Buyback Program Impact: Principal Financial Group's share buyback initiatives are driving shareholder value growth; although the company has not met revenue expectations, these buybacks may enhance EPS, thereby bolstering market confidence in the firm.
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- Performance Expectations: Over the past two years, PFG has beaten EPS estimates 50% of the time but has never exceeded revenue expectations, indicating a level of uncertainty in profitability that may affect investor confidence.
- Estimate Revision Dynamics: In the last three months, EPS estimates have seen six upward revisions and two downward adjustments, while revenue estimates experienced one upward and one downward revision, reflecting mixed market sentiments regarding the company's future performance that could impact shareholder decisions.
- Buyback Program Impact: Principal Financial Group's share buyback initiatives are driving shareholder value growth; although the company has not met revenue expectations, these buybacks may enhance EPS, thereby bolstering market confidence in the firm.
See More
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- Nasdaq Struggles: In contrast, the Nasdaq Composite ended the week down 1.8%, despite a strong rally on Friday.
See More
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- Job Data Expectations: The U.S. is expected to add 60,000 jobs in January, up from 50,000 in December, which could influence the Fed's monetary policy direction amidst ongoing economic uncertainty.
- Inflation Metrics Analysis: The January Consumer Price Index is projected to rise by 0.29% month-over-month and 2.5% year-over-year, showing improvement but still falling short of the Fed's 2% target, potentially affecting investor rate expectations.
- Market Reaction and Risks: Recent signs of labor market weakness, including an ADP report indicating only 22,000 new private sector jobs, may heighten expectations for further Fed rate cuts, although investors remain optimistic about economic resilience.
- Stock Market Rotation Trend: A significant rotation within the stock market is underway, with the Dow Jones Industrial Average rising over 2% this week, reflecting confidence in economic recovery, despite ongoing weakness in tech stocks.
See More
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- Strategic Acquisition: Assurant's acquisition of RL Circular Operations and its subsidiaries aims to enhance its post-purchase service capabilities in Australia and New Zealand, thereby improving customer experience and expanding market share.
- Technology-Driven: This acquisition will leverage AI-based technologies to drive sustainable practices in retail and device lifecycle management, expected to significantly improve operational efficiency and reduce material waste.
- Enhanced Market Competitiveness: By integrating RL Circular's expertise, Assurant will reduce reliance on third-party logistics providers, strengthening its competitive position in the retail channel, particularly in priority APAC markets.
- Growth Opportunities: The combination of Assurant's global capabilities and RL's expertise will create new growth opportunities in Australia and New Zealand, driving innovation and enhancing service quality.
See More
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- Executive Participation: CEO Deanna Strable will participate in the Bank of America Financial Services Conference on February 11, 2026, starting at approximately 8:50 a.m. ET, where she will discuss various industry and company-specific topics in a Q&A format, showcasing the company's leadership in the sector.
- Live Availability: The session will be available via audio webcast at principal.com/investor, allowing global investors to access real-time updates on the company, enhancing transparency and investor relations.
- Company Background: Principal Financial Group has been in business for 146 years, employing approximately 20,000 individuals dedicated to improving the wealth and well-being of people and businesses, serving over 70 million customers, demonstrating its strong foundation in the global financial services industry.
- Ethical and Workplace Recognition: The company has been recognized as one of the 2025 World's Most Ethical Companies and named a Best Places to Work in Money Management, reflecting its excellence in corporate social responsibility and employee satisfaction.
See More
Analysts Downgrade Domino's and Adobe Ratings and Price Targets
- Domino's Downgrade: TD Cowen analyst downgraded Domino's Pizza from Buy to Hold and reduced the price target from $500 to $460, reflecting cautious market sentiment as shares closed at $425.28 on Friday, indicating weakened investor confidence.
- Adobe's Deteriorating Outlook: Jefferies analyst downgraded Adobe from Buy to Hold and lowered the price target from $500 to $400, with shares closing at $333.30 on Friday, suggesting a decline in market expectations for profitability, which may affect future investment appeal.
- Principal Financial Rating Change: JP Morgan analyst downgraded Principal Financial Group from Overweight to Neutral with a price target of $103, while shares closed at $89.42 on Friday, indicating concerns over market performance that could impact investor confidence.
- Market Reaction Analysis: The downgrades from multiple analysts may lead to decreased investor confidence in the affected stocks, potentially impacting their short-term price performance and reflecting a cautious outlook on the future growth potential of these companies.
See More
