Kredivo vs Principal Financial Group
Side-by-side comparison of AI visibility scores, market position, and capabilities
Kredivo is Southeast Asia's leading BNPL and digital credit platform offering instant credit for online and offline purchases in Indonesia and Vietnam; uses real-time alternative credit scoring; raised $270M+ in equity and $1B+ in credit facilities;
About
Kredivo is a digital financial services company founded in 2015 and headquartered in Singapore, operating under FinAccel, that provides buy now, pay later (BNPL) and digital credit products primarily in Indonesia and Vietnam. The company allows consumers to access instant credit for online and offline purchases without requiring traditional bank accounts or credit history — using a proprietary real-time credit scoring model that draws on alternative data including behavioral signals, device data, e-commerce transaction history, and identity verification to assess creditworthiness in seconds. Kredivo offers BNPL payment options (30 days interest-free and 3, 6, 12, or 24-month installment plans), personal loans, and credit card-like revolving credit through its mobile app and merchant integrations.
Des Moines retirement and asset management (NASDAQ: PFG) at $16.13B 2024 revenue (+18%), $753B AUM; new CEO Deanna Strable (Jan 2025), Ascensus ESOP acquisition (2024), $1.7T AUA competing with Empower for mid-market 401(k).
About
Principal Financial Group, Inc. is a Des Moines, Iowa-based financial services company — publicly traded on NASDAQ (NASDAQ: PFG) as an S&P 500 Financials component — providing retirement savings, asset management, and group insurance and benefits to 61 million customers worldwide through approximately 20,000 employees with $753 billion in assets under management (AUM) as of Q2 2025, $1.7 trillion in assets under administration, and $16.13 billion in 2024 annual revenue (up 18% year-over-year) with net income of $1.57 billion. Founded in 1879 as The Bankers Life Association by Edward Temple and Simon Casady to provide affordable life insurance to Iowans, Principal demutualized and completed its IPO in 2001. Deanna Strable became President and CEO in January 2025 (succeeding Dan Houston), with Joel Pitz named CFO. Principal operates through three segments: Retirement and Income Solutions (RIS — 401(k), 403(b), defined benefit plans, nonqualified executive benefits, pension risk transfer, and individual retirement products), Principal Asset Management (equity, fixed income, real estate, and alternative investments for institutional clients), and Benefits and Protection (group dental, vision, life, and disability insurance). Key acquisitions include AFP Cuprum (Chilean pension, $1.5B, 2012), Wells Fargo's institutional retirement and trust business ($1.2B, 2019, adding 401(k)/pension/ESOP plans), and the 2024 agreement to acquire Ascensus's ESOP business (800 plans, 165,000+ participants). Principal's market capitalization stands at approximately $18.3 billion.
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