Saturday 10 October 2026 Export all PRI data to Excel Powerpack

Primerica, Inc.

Primerica, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 6.56% from fiscal 2024. In the quarter to June 2026, revenue grew 9.04%, EPS grew 19.4%, free cash flow grew 5.06% and total debt fell 9.95%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

275.19 0.20 −0.07%

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Market cap: $8.5B
P/E: 11.0×
Fwd P/E: 10.9×
Dividend yield: 1.69%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 4.54

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	2	1	—	1	2	—	1	1	—	3	—	—

Insider Ownership 1.88%

Capital & Financial Ratios $m

Market Cap 8,480.00

Revenue 3,431.30

Net Income 796.21

Free Cash Flow 842.16

Net Debt 1,068.82

Current Ratio 0.33

Debt/Equity 0.66

P/E ratio 11.03

Fwd P/E 10.90

P/S ratio 2.50

P/B ratio 3.40

Past 5Y EPS Growth 19.08%

This Y EPS Growth 10.24%

Next Y EPS Growth 7.57%

Next Y revenue growth 7.24%

Next 5Y EPS Growth 9.22%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 7.35%

10-year low 10-year high

P/S against its own 10 years 44.39%

10-year low 10-year high

P/B against its own 10 years 62.00%

10-year low 10-year high

Dividends

Payout Ratio 0.19

Annual Dividend Rate 4.64

Annual Dividend Yield 1.69%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	4.80	1.20 1.20 1.20
2025	4.16	1.04 1.04 1.04 1.04
2024	3.30	0.75 0.75 0.90 0.90
2023	2.60	0.65 0.65 0.65 0.65
2022	2.20	0.55 0.55 0.55 0.55
2021	1.88	0.47 0.47 0.47 0.47
2020	1.60	0.40 0.40 0.40 0.40
2019	1.36	0.34 0.34 0.34 0.34
2018	1.00	0.25 0.25 0.25 0.25
2017	0.78	0.19 0.19 0.20 0.20
2016	0.70	0.17 0.17 0.18 0.18

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	594	688	756	600
Receivables	3,285	3,027	2,840	2,451
Inventory	—	—	—	—
Other	—	—	—	—
	3,879	3,715	3,596	3,051

	2023	2024	2025	Q'26
Payables	7,271	7,007	7,329	7,309
ST’ Debt	1,980	1,898	1,770	1,669
Other	435	402	356	344
	9,686	9,307	9,456	9,322

Compound Annual Growth %

	10y	5y	3y
Sales	8.89%	8.22%	7.40%
Cash Flow	13.05%	6.97%	5.95%
Earnings	14.84%	14.33%	16.75%
Book Value	7.88%	5.91%	6.39%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	873	865	—	—	—
’25	805	793	840	854	3,292
’24	736	791	774	788	3,089
’23	690	688	697	673	2,749
’22	691	669	673	624	2,657
’21	638	655	693	724	2,710
’20	525	526	568	598	2,218

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	157	194	—	—	—
’25	197	163	203	338	901
’24	211	173	207	271	862
’23	176	136	140	241	693
’22	214	170	167	206	758
’21	119	155	160	222	657
’20	132	185	88	239	643

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	148	167	—	—	—
’25	189	159	198	330	875
’24	203	169	193	268	833
’23	168	133	136	221	659
’22	207	163	157	205	732
’21	109	153	151	219	632
’20	122	175	84	234	616

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	5.97	6.45	—	—	—
’25	5.05	5.40	6.35	6.13	22.91
’24	3.93	0.03	4.83	4.96	13.71
’23	3.38	3.97	4.23	4.30	15.94
’22	2.86	2.79	2.12	3.54	9.74
’21	2.46	3.22	2.82	3.49	9.38
’20	1.75	2.51	2.81	2.52	9.57

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	37.09	69.00	90.05	94.12	61.20	128.84	110.22	141.11	184.76	230.98	Analyst estimates 2026–2028 Powerpack
	High	73.05	106.40	128.35	138.05	141.15	179.51	159.47	220.00	307.91	298.75
People
People	Employees	2,026	2,104	1,899	1,947	1,966	2,621	2,381	3,450	2,874	2,833
	Revenue/emp, $m	0.75	0.80	1.00	1.05	1.13	1.03	1.12	0.80	1.07	1.16
Income, $m
Income, $m	Revenue	1,519	1,689	1,900	2,053	2,218	2,710	2,657	2,749	3,089	3,292
	Gross margin, %	74.63	74.12	74.63	74.72	70.79	74.51	75.00	75.38	78.82	80.21
	EBT	338	380	416	477	507	644	719	772	939	975
	EBT margin, %	22.22	22.47	21.90	23.25	22.85	23.75	27.04	28.08	30.40	29.61
	Net income	219	350	324	366	386	476	467	577	471	751
	Depreciation	194	221	250	272	243	349	359	306	572	339
Per share, $
Per share, $	Revenue	32.04	37.04	43.32	48.66	55.35	68.55	69.94	76.45	90.48	100.87
	Earnings	4.59	7.63	7.35	8.65	9.60	9.41	9.77	15.97	13.73	22.95
	Cash flow	6.21	8.59	10.90	11.51	16.06	16.62	19.94	19.26	25.25	27.62
	Capex	(0.29)	(0.15)	(0.31)	(0.60)	(0.69)	(0.62)	(0.68)	(0.94)	(0.86)	(0.80)
	Free cash flow	5.92	8.44	10.59	10.91	15.37	15.99	19.26	18.32	24.39	26.82
	Book value	25.76	31.12	33.33	39.18	45.82	52.68	53.46	57.46	66.17	74.95
	Shares, m	47	46	44	42	40	40	38	36	34	33
Valuation, ×
Valuation, ×	P/E	15.27	13.31	13.28	15.09	13.92	12.74	12.52	13.09	19.70	11.25
	P/S	2.18	2.75	2.26	2.68	2.42	2.24	2.03	2.72	3.00	2.56
	P/B	2.72	3.28	2.93	3.33	2.92	2.91	2.66	3.62	4.10	3.45
	EV/Sales	2.62	3.25	2.82	4.10	3.75	2.87	2.66	3.27	3.43	2.91
	EV/FCF	14.18	14.33	11.52	18.28	13.50	12.30	9.65	13.65	12.73	10.94
Cash, $m
Cash, $m	Operating cash flow	294	392	478	486	643	657	758	693	862	901
	Capex	(14)	(7)	(14)	(25)	(28)	(25)	(26)	(34)	(29)	(26)
	Free cash flow	281	385	465	460	616	632	732	659	833	875
Balance, $m
Balance, $m	Working capital	(2,565)	(3,035)	(3,593)	(4,095)	(4,360)	(5,078)	(5,220)	(5,807)	(5,593)	(5,860)
	Total debt	875	1,110	1,343	1,558	1,720	1,986	2,037	1,980	1,898	1,770
	Net debt	663	830	1,081	1,301	1,173	1,593	1,548	1,386	1,210	1,014
	Shareholders’ equity	1,221	1,419	1,462	1,652	1,836	2,083	2,031	2,066	2,259	2,446
Returns, %
Returns, %	ROA	1.99	2.93	2.57	2.78	2.69	3.06	3.07	3.89	3.18	5.08
	ROIC	11.19	10.55	10.23	10.10	10.53	10.94	12.55	13.97	16.92	17.60
	ROE	18.54	26.53	22.37	23.43	22.04	24.27	22.95	28.15	21.76	31.93

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
UNM Unum Group	$14.7B	21.4×	11.8×	+0.26% (above 0%: growing)	−16.58% (below 0%: shrinking)	+48.17% (above 0%: growing)	35.37%	11.36%	Compare
GL Globe Life Inc.	$12.8B	10.7×	10.3×	+8.00% (above 0%: growing)	+20.06% (above 0%: growing)	+0.88% (above 0%: growing)	39.24%	24.44%	Compare
JXN Jackson Financial Inc.	$9.0B	175×	13.1×	+135.67% (above 0%: growing)	+292.31% (above 0%: growing)	+57.63% (above 0%: growing)	(630.95%)	411.90%	Compare
PRI Primerica, Inc.	$8.5B	11.0×	10.9×	+9.04% (above 0%: growing)	+19.41% (above 0%: growing)	+5.06% (above 0%: growing)	82.88%	30.52%
LNC Lincoln National Corporation	$7.9B	3.4×	7.0×	+12.31% (above 0%: growing)	+76.55% (above 0%: growing)	−155.08% (below 0%: shrinking)	37.98%	37.98%	Compare
CNO CNO Financial Group, Inc.	$5.0B	17.8×	13.0×	+11.61% (above 0%: growing)	+45.16% (above 0%: growing)	+7.63% (above 0%: growing)	44.06%	16.73%	Compare
GNW Genworth Financial, Inc.	$3.7B	17.7×	26.2×	+5.85% (above 0%: growing)	0.00%	+766.67% (above 0%: growing)	30.09%	7.10%	Compare
BHF Brighthouse Financial, Inc.	$2.8B	3.9×	3.3×	+86.22% (above 0%: growing)	+1,520.59% (above 0%: growing)	−43,000.00% (below 0%: shrinking)	115.29%	75.59%	Compare
FG F&G Annuities & Life, Inc.	$2.6B	6.4×	5.8×	+4.18% (above 0%: growing)	n/m	−8.11% (below 0%: shrinking)	16.89%	(3.73%)	Compare
Median of peers	$6.4B	14.2×	11.1×	+9.81%	+45.16%	+4.26%	36.68%	20.59%

All 17 Insurance Life stocks →

Primerica, Inc. (PRI) key facts

Strength: Primerica, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 6.56% from fiscal 2024.
Primerica, Inc. (PRI) is an Insurance Life company in the Financial sector, listed on the New York Stock Exchange.
As of October 9, 2026, PRI traded at $275.19, a market capitalization of $8.5 billion.
Primerica, Inc. pays an annual dividend of $4.64 per share, a yield of 1.69%, with a payout ratio of 18.6%.
Return on equity was 31.9% and debt-to-equity 0.66.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.