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Primerica, Inc. PRI

Financial — Insurance Life
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
4.54
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 2 1 — 1 2 — 1 1 — 3 —
Insider Ownership
1.88%

Capital & Financial Ratios

Market Cap
8,940.00
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
11.64
P/S ratio
2.64
P/B ratio
3.59
Past 5Y EPS Growth
9.63%
This Y EPS Growth
10.16%
Next Y EPS Growth
7.61%
Next 5Y EPS Growth
9.20%
in millions of $

Dividends

Payout Ratio
0.22
Annual Dividend Rate
2.60
Annual Dividend Yield
1.10%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 4.80
—
—
—
2025 4.16
—
—
—
—
2024 3.30
—
—
—
—
2023 2.60
—
—
—
—
2022 2.20
—
—
—
—
2021 1.88
—
—
—
—
2020 1.60
—
—
—
—
2019 1.36
—
—
—
—
2018 1.00
—
—
—
—
2017 0.78
—
—
—
—
2016 0.70
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 594.15 687.82 756.23 600.18
Receivables 3,284.99 3,026.77 2,840.12 2,450.75
Inventory — — — —
Other — — — —
3,879.14 3,714.59 3,596.35 3,050.93
2023 2024 2025 Q'26
Payables 7,270.70 7,007.02 7,329.06 7,308.90
ST’ Debt 1,980.30 1,898.07 1,770.43 1,669.01
Other 435.09 402.32 356.43 344.44
9,686.10 9,307.41 9,455.92 9,322.34
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 872.69 865.07 — —
—
’25 804.84 793.33 839.85 853.68
3,291.71
’24 735.95 790.96 774.13 788.11
3,089.14
’23 690.04 688.39 697.50 672.59
2,748.51
’22 691.23 668.68 673.29 624.25
2,657.45
’21 637.71 654.69 693.24 724.10
2,709.73
’20 524.94 525.82 568.46 598.33
2,217.54
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 156.79 193.82 — —
—
’25 197.47 162.58 202.89 338.24
901.18
’24 210.90 173.28 207.27 270.64
862.09
’23 175.95 135.75 139.77 241.06
692.52
’22 214.30 170.18 166.80 206.39
757.67
’21 119.46 155.34 160.33 221.84
656.96
’20 131.52 184.90 87.53 239.46
643.42
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 147.73 167.09 — —
—
’25 188.74 159.04 197.70 329.64
875.13
’24 202.51 169.07 193.22 268.06
832.86
’23 168.09 133.37 136.37 220.79
658.62
’22 206.62 163.50 157.21 204.53
731.86
’21 109.28 153.42 151.00 218.58
632.27
’20 121.60 175.45 84.45 234.29
615.80
in millions of $

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 2.06 2.79 1.37 3.54
9.74
’21 2.46 3.22 2.82 0.87
9.38
’20 1.75 2.51 2.81 2.52
9.57

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

2.5
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 110.22 141.11 184.76 230.98 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 159.47 220.00 307.91 298.75 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,381 3,450 2,874 2,833 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.12 0.80 1.07 1.16 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,657.45 2,748.51 3,089.14 3,291.71 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 75.00% 75.38% 78.82% 80.21% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 718.66 771.74 939.25 974.56 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 27.04% 28.08% 30.40% 29.61% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 467.03 576.60 470.52 751.23 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 359.13 305.75 571.76 338.78 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 69.94 76.45 90.48 100.87 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ 9.77 15.97 13.73 22.95 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 19.94 19.26 25.25 27.62 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.68) (0.94) (0.86) (0.80) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 19.26 18.32 24.39 26.82 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 53.46 57.46 66.17 74.95 ‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 38.00 35.95 34.14 32.63 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.48 13.09 19.70 11.25 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.03 2.72 3.00 2.56 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.66 3.62 4.10 3.45 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.39 3.71 3.82 3.27 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.32 15.47 14.17 12.31 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 757.67 692.52 862.09 901.18 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (25.80) (33.90) (29.23) (26.05) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 731.86 658.62 832.86 875.13 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (5,219.62) (5,806.96) (5,592.82) (5,859.57) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,111.37 1,980.30 1,898.07 1,770.43 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,622.13 1,386.15 1,210.25 1,014.21 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,031.25 2,065.97 2,259.04 2,445.90 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.07% 3.89% 3.18% 5.08% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.94% 13.97% 16.92% 17.60% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22.95% 28.15% 21.76% 31.93% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Primerica, Inc. (PRI) has delivered impressive long-term growth through its asset-light, multi-level marketing model distributing term life insurance, investments, and mortgages. From 2016 to 2024, revenue compounded at 9.2% to $3.09 billion, while EPS surged 14.6% annually to $13.73, amplified by disciplined share repurchases reducing shares outstanding by 28%. Operational efficiency shines with rebounding revenue per employee at $1.07 million, margin expansion to 30.4% EBT, and ROIC jumping to 16.9%, underscoring a resilient business even through pandemic disruptions.

The balance sheet fortifies this profile, with net debt slashed 67% to $1.21 billion and robust free cash flow of $24.39 per share funding buybacks and modest dividends. Valuation appears reasonable at 11.9x forward PE and 14x EV/FCF, with stock price tightly correlated to per-share metrics and analyst targets suggesting 18% average upside amid projected 2025-2026 EPS growth to $23.47. However, recent insider selling totaling $4.7 million without buys introduces caution, potentially signaling near-term sentiment risks.

While tailwinds like demographic shifts and rate normalization support 15-20% EPS CAGR potential, investors must monitor regulatory pressures on its sales model, competition, and working capital strains. PRI’s steady compounding and downside protection merit attention, but a conservative stance weighs these fundamentals against execution uncertainties.

Read full commentary →

Primerica, Inc. (PRI) Latest News

News by impact score

Fine-tune

11 Sep

3 , 1:31 PM
Primerica reported Q2 earnings and faces investor evaluation on buy, sell or hold decisions for PRI stock. Post-earnings analysis can moderately sway short-term stock sentiment and positioning without major structural shifts.

9 Sep

3 , 9:58 AM
Rising markets boost Primerica’s investment sales outlook. Positive market conditions directly support stronger investment sales performance at Primerica.

6 Sep

4 , 10:21 AM
Primerica's investment growth continues but its sales force shrinks, threatening sustainable expansion. Shrinking sales force directly undermines long-term growth despite short-term investment gains.

8 Aug

3 transcript www.marketbeat.com, 9:04 PM
Primerica reported Q2 revenue and net income growth driven by life insurance sales and investment products, with executives noting client expansion and favorable market conditions supporting the outlook. Quarterly earnings updates supply periodic financial details that can shift near-term sentiment but rarely alter long-term company trajectory.

5 Aug

3 , 8:35 PM
Primerica reported Q2 earnings above analyst estimates. Beating earnings estimates often lifts near-term stock price and sentiment without shifting long-term fundamentals.

3 , 4:15 PM
Primerica, Inc. reported its second quarter 2026 financial results. Quarterly earnings releases supply financial data that can shift near-term investor sentiment and valuation.

29 Jul

3 , 10:00 AM
Primerica (PRI) earnings are projected to grow, raising the question of whether investors should buy the stock. Anticipated earnings growth may moderately influence Primerica stock performance and investor decisions.

19 Jun

3 , 6:28 AM
Primerica reported Q1 earnings, triggering analysis of whether to buy, sell or hold the stock. Q1 earnings release provides moderate short-term influence on stock price and sentiment but does not fundamentally redefine long-term prospects.

15 Jun

3 , 11:48 AM
Primerica (PRI) led life insurance stocks in Q1 earnings results. Q1 earnings outperformance as sector leader supports moderately positive near-term investor sentiment and operating momentum for Primerica.

1 Jun

3 transcript www.fool.com, 5:05 PM
Primerica Inc. released its Q1 2026 earnings transcript covering financial results, executive commentary on operations, and forward guidance. Quarterly earnings data supplies performance metrics that can shift short-term investor views without altering long-term strategy.

14 May

4 www.marketbeat.com, 5:09 AM
Primerica released Q1 earnings call highlights detailing quarterly financial performance, sales growth, and strategic outlook. Q1 earnings highlights reveal financial results and forward guidance that significantly sway investor sentiment and stock trajectory.

7 May

4 Simply Wall St., 12:14 PM
Primerica (PRI) reported a strong Q1 earnings beat and record ISP sales, raising questions on whether investors should act. Strong Q1 earnings beat and record ISP sales demonstrate robust financial performance and growth, likely boosting investor sentiment and stock trajectory.

6 May

4 StockStory, 4:51 PM
Primerica (NYSE:PRI) exceeded Q1 CY2026 expectations. Beating Q1 CY2026 expectations highlights strong financial performance, likely driving positive investor sentiment and stock price gains.

4 Business Wire, 4:15 PM
Primerica, Inc. (PRI) reported first quarter 2026 results, highlighting key financial metrics and performance updates. Quarterly earnings releases like Primerica's Q1 2026 results significantly impact financial performance, investor sentiment, and stock trajectory.

3 Zacks, 9:45 PM
Primerica (PRI) Q1 earnings and revenues topped analyst estimates. Q1 earnings and revenue beats demonstrate solid financial performance with moderate positive influence on market sentiment and trajectory.

3 Zacks, 9:30 PM
Primerica (PRI) Q1 earnings highlighted key metrics versus analyst estimates, providing insights into financial performance. Q1 earnings metrics versus estimates moderately influence Primerica's financial performance and investor sentiment.

29 Apr

3 Zacks, 10:00 AM
Primerica (PRI) will report earnings next week, with Wall Street expecting growth. Expected earnings growth can moderately influence investor sentiment and short-term stock performance ahead of the report.

9 Apr

3 Business Wire, 12:00 AM
National survey reveals middle-income Americans reprioritizing spending amid persistent cost pressures. Survey on middle-income spending shifts directly targets Primerica's core demographic for insurance and financial products.

31 Mar

4 Simply Wall St., 9:18 AM
Primerica beat revenue expectations with a shift in segment mix, prompting analysis on whether it strengthens the bull case for PRI stock. Revenue beat and segment mix shift represent major financial achievements likely to enhance investor sentiment and alter PRI's trajectory.

3 StockStory, 4:37 AM
Primerica (NYSE:PRI) featured prominently in Q4 highlights for life insurance stocks, showcasing key performance metrics. Q4 highlights spotlight Primerica's sector performance, moderately influencing financial results and investor sentiment.

9 Mar

3 StockStory, 5:34 PM
Primerica (PRI) Q4 earnings spark debate on whether to buy, sell, or hold the stock, analyzing financial results, growth metrics, and future outlook. Q4 earnings directly impact Primerica's financial performance and investor sentiment but are balanced by ongoing market factors.

6 Mar

3 Simply Wall St., 4:14 AM
Primerica shifts its shareholder meeting format, drawing sharp focus to governance practices and shareholder returns amid investor scrutiny. Shareholder meeting shift highlights governance and returns, likely influencing investor sentiment and oversight without fundamentally altering operations.

18 Feb

3 StockStory, 12:32 AM
Analysts asked five revealing questions during Primerica's Q4 earnings call, probing key aspects of performance, strategy, and market outlook. Revealing analyst questions highlight potential influences on Primerica's financial performance and competitive positioning.

14 Feb

3 Simply Wall St.StockStoryAssociated Press FinanceSimply Wall St.StockStoryMT NewswiresZacksZacks, 7:57 AM
Primerica, Inc. (NYSE:PRI) has released its full-year financial report, prompting analysts to evaluate the company's performance and outlook. Key metrics and financial indicators have been analyzed to assess the company's position in the market and potential future growth. Investors are keenly observing these developments as they could influence market sentiment and investment decisions regarding Primerica. The financial report provides insights that may moderately influence investor sentiment and the company's competitive positioning.

13 Feb

4 transcript www.marketbeat.com, 3:07 AM
Primerica, Inc. reported its Q4 earnings, highlighting strong performance metrics and strategic initiatives aimed at growth. The company emphasized its commitment to expanding its market presence and enhancing product offerings. Key financial figures showed an increase in revenue and net income compared to the previous quarter, reflecting effective operational management. Management also discussed future plans to leverage technology for improved customer engagement and service delivery. Overall, the earnings call underscored a positive outlook for the company moving forward. Significant strategic initiatives and strong financial performance indicate a likely positive impact on future growth and market positioning.

12 Feb

4 GuruFocus.com, 4:09 PM
Primerica, Inc. reported record revenue in Q4 2025, highlighting strategic growth initiatives that contributed to its strong financial performance. The company emphasized its commitment to expanding its market presence and enhancing service offerings, which are expected to drive future growth. Key metrics showcased a robust increase in sales and customer engagement, positioning Primerica favorably in the competitive landscape. Record revenue and strategic growth initiatives are likely to significantly impact future performance and investor sentiment.

4 transcript www.fool.com, 11:59 AM
Primerica, Inc. reported its Q4 2025 earnings, highlighting strong financial performance driven by increased sales and improved operational efficiency. The company noted growth in its life insurance and investment segments, contributing to a rise in net income. Management provided insights into strategic initiatives aimed at expanding market reach and enhancing customer engagement. Future outlook remains positive, with expectations for continued growth in key areas. Strong financial performance and strategic initiatives are likely to significantly impact future growth and investor sentiment.

4 transcript app.moby.co, 8:30 AM
Primerica, Inc. reported its Q4 2025 earnings, showcasing a strong performance with increased revenue and net income compared to the previous year. The company highlighted growth in its life insurance and investment segments, driven by higher sales and improved customer retention. Management expressed optimism about future growth prospects, citing strategic initiatives and market expansion efforts. Additionally, the company announced a dividend increase, reflecting its commitment to returning value to shareholders. Overall, the earnings call emphasized a positive outlook for Primerica's continued success in the financial services sector. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3 StockStory, 11:55 AM
Primerica, Inc. (PRI) shares are experiencing a decline due to disappointing quarterly earnings results, which fell short of analysts' expectations. The company reported lower revenue and earnings per share, leading to concerns about its growth trajectory. Additionally, the overall market sentiment has been affected by broader economic factors, contributing to the stock's downturn. Investors are reacting to these developments, prompting a sell-off in shares. Disappointing earnings results may moderately influence investor sentiment and financial performance.

3 StockStory, 11:20 AM
Primerica, Inc. reported mixed product trends in Q4, with concerns about market conditions influencing its outlook. The company faces challenges in certain segments while experiencing growth in others, leading to a cautious forecast. Analysts are closely monitoring these trends as they could impact future performance and investor sentiment. Mixed product trends and market concerns are expected to moderately influence Primerica's financial performance and competitive positioning.
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