Principal Financial Group, Inc. (NASDAQ: PFG ) has a business profile exposed to retirement, asset management, and life insurance, but it doesn’t seem to have any competitive advantage compared to peers in any particular segment, and its current valuation seems toLabutes IR is a Fund Manager/Analyst specialized in the financial sector, with more than 18 years of experience in the financial markets. I have worked at several type of institutions in the industry, always at the buy side and related to portfolio ...

Core Viewpoint - Reinsurance Group of America (RGA) shares are trading at a discount compared to the Zacks Life Insurance industry, with a forward price-to-book value of 1.19X, lower than the industry average of 1.80X and the Finance sector's 4.09X [1] Group 1: Financial Performance - RGA has a market capitalization of $13.64 billion and an average trading volume of 0.4 million shares over the last three months [1] - RGA's shares have lost 1% over the past year, while the industry has grown by 14.3%, the Finance sector by 16.3%, and the S&P 500 by 10% [5][6] - The company has a decent earnings surprise history, beating estimates in three of the last four quarters with an average surprise of 7.85% [9] Group 2: Growth Projections - The Zacks Consensus Estimate for RGA's 2025 earnings per share indicates a year-over-year increase of 1.9%, with revenues projected at $24.28 billion, reflecting a 6.2% improvement [10] - Earnings have grown by 15.3% over the past five years, outperforming the industry average of 7.8% [11] - The consensus estimates for 2026 earnings per share and revenues suggest increases of 11.4% and 9.4%, respectively, from the 2025 estimates [10] Group 3: Operational Efficiency - RGA's return on invested capital (ROIC) has consistently increased, reaching 6.1% in the trailing 12 months, significantly higher than the industry average of 0.6% [12] - The company has effectively managed capital through share buybacks, dividend payments, and prudent investments, maintaining a free cash flow conversion of over 85% in recent quarters [18][19] Group 4: Market Position and Strategy - RGA is a leader in the traditional U.S. and Latin American markets, with a strong product line and capabilities that contribute to risk diversification [13] - In Canada, RGA is well-positioned with a sizable block of in-force business, anticipating long-term growth in longevity insurance [14] - The company is capitalizing on the growing demand for protection products among the emerging global middle class and aging populations [15] Group 5: Future Outlook - RGA's new business volumes, favorable longevity experience, diversified business model, and effective capital deployment are expected to support long-term growth [20] - The stock has a VGM Score of A, indicating attractive value, growth, and momentum [20] - The recommendation is to hold the stock, given its affordability and potential for future performance [21]

GoHealth (GOCO) came out with a quarterly loss of $0.47 per share versus the Zacks Consensus Estimate of a loss of $0.26. This compares to loss of $0.89 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -80.77%. A quarter ago, it was expected that this company would post earnings of $1.16 per share when it actually produced earnings of $2.41, delivering a surprise of 107.76%.Over the last four quarters, the company has surpassed ...

Sun Life (SLF) came out with quarterly earnings of $1.27 per share, beating the Zacks Consensus Estimate of $1.22 per share. This compares to earnings of $1.11 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 4.10%. A quarter ago, it was expected that this financial services company would post earnings of $1.24 per share when it actually produced earnings of $1.20, delivering a surprise of -3.23%.Over the last four quarters, th ...

Core Insights - Brighthouse Financial (BHF) reported quarterly earnings of $4.17 per share, missing the Zacks Consensus Estimate of $4.72 per share, and showing a decrease from $4.25 per share a year ago, resulting in an earnings surprise of -11.65% [1] - The company posted revenues of $2.16 billion for the quarter ended March 2025, which was 6.20% below the Zacks Consensus Estimate, but an increase from $2.05 billion year-over-year [2] - Brighthouse Financial shares have increased by approximately 21.6% since the beginning of the year, contrasting with a -4.3% decline in the S&P 500 [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $5.06 on revenues of $2.29 billion, and for the current fiscal year, it is $19.82 on revenues of $9.16 billion [7] - The estimate revisions trend for Brighthouse Financial is mixed, leading to a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Industry Context - The Insurance - Life Insurance industry, to which Brighthouse Financial belongs, is currently ranked in the bottom 32% of over 250 Zacks industries, suggesting potential challenges ahead [8]

Lincoln National (LNC) came out with quarterly earnings of $1.60 per share, beating the Zacks Consensus Estimate of $1.54 per share. This compares to earnings of $1.37 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 3.90%. A quarter ago, it was expected that this insurance and retirement business would post earnings of $1.74 per share when it actually produced earnings of $1.91, delivering a surprise of 9.77%.Over the last fou ...

Core Viewpoint - Jackson Financial (JXN) reported quarterly earnings of $5.10 per share, exceeding the Zacks Consensus Estimate of $4.93 per share, and showing an increase from $4.23 per share a year ago, indicating a positive earnings surprise of 3.45% [1][2] Financial Performance - The company posted revenues of $1.77 billion for the quarter ended March 2025, which was slightly below the Zacks Consensus Estimate by 0.19%, and a decrease from $2.77 billion in the same quarter last year [2] - Over the last four quarters, Jackson Financial has surpassed consensus EPS estimates two times and topped consensus revenue estimates three times [2] Stock Performance - Jackson Financial shares have declined approximately 6.1% since the beginning of the year, while the S&P 500 has decreased by 4.7% [3] - The current Zacks Rank for Jackson Financial is 4 (Sell), indicating expectations of underperformance in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $4.66 on revenues of $1.73 billion, and for the current fiscal year, it is $18.87 on revenues of $6.89 billion [7] - The trend for estimate revisions ahead of the earnings release was unfavorable, which may impact future stock performance [6] Industry Context - The Insurance - Life Insurance industry, to which Jackson Financial belongs, is currently ranked in the bottom 43% of over 250 Zacks industries, suggesting potential challenges for stock performance [8]

Primerica (PRI) came out with quarterly earnings of $5.02 per share, beating the Zacks Consensus Estimate of $4.77 per share. This compares to earnings of $3.91 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 5.24%. A quarter ago, it was expected that this life insurance and financial products company would post earnings of $4.96 per share when it actually produced earnings of $5.03, delivering a surprise of 1.41%.Over the las ...

分组1 - The Baldwin Insurance Group reported quarterly earnings of $0.65 per share, matching the Zacks Consensus Estimate, and showing an increase from $0.56 per share a year ago [1] - The company posted revenues of $413.41 million for the quarter, which was 1.03% below the Zacks Consensus Estimate, but an increase from $380.37 million year-over-year [2] - The stock has gained approximately 5% since the beginning of the year, contrasting with a -3.9% decline in the S&P 500 [3] 分组2 - The earnings outlook for The Baldwin Insurance Group is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters [4] - The estimate revisions trend for the company is currently favorable, resulting in a Zacks Rank 2 (Buy), indicating expected outperformance in the near future [6] - The current consensus EPS estimate for the next quarter is $0.42 on revenues of $381.64 million, and for the current fiscal year, it is $1.82 on revenues of $1.54 billion [7] 分组3 - The Insurance - Life Insurance industry, to which The Baldwin Insurance Group belongs, is currently ranked in the bottom 38% of over 250 Zacks industries, which may impact stock performance [8]

Voya Financial (VOYA) came out with quarterly earnings of $2.15 per share, beating the Zacks Consensus Estimate of $1.59 per share. This compares to earnings of $1.88 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 35.22%. A quarter ago, it was expected that this retirement, investment and insurance company would post earnings of $0.71 per share when it actually produced earnings of $1.50, delivering a surprise of 111.27%.Over ...