Sunday 1 November 2026 Export PRI’s income statement to Excel — free account

Primerica, Inc.

PRI Financial Insurance Life

Primerica, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 6.56% from fiscal 2024.

Revenue: +9.04%
EPS: +19.4%
Free cash flow: +5.06%
Total debt: −9.95%

Quarter to June 2026, against a year earlier

281.09 2.46 −0.87%

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Market cap: $8.7B
P/E: 11.3×
Fwd P/E: 11.1×
Dividend yield: 1.65%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Filings

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	15.27	13.31	13.28	15.09	13.92	12.74	12.52	13.09	19.70	11.25
Piotroski F-Score Full definition →	7	7	7	8	6	8	7	8	7	8
P/S ratio Full definition →	2.18	2.75	2.26	2.68	2.42	2.24	2.03	2.72	3.00	2.56
P/FCF ratio Full definition →	11.81	12.16	9.20	11.97	8.71	9.58	7.37	11.35	11.13	9.63
P/Operating CF Full definition →	25.94	25.60	22.23	33.54	22.41	27.31	26.13	31.02	34.24	24.93
P/B ratio Full definition →	2.72	3.28	2.93	3.33	2.92	2.91	2.66	3.62	4.10	3.45
Price to Tangible BV Full definition →	2.84	3.40	3.03	3.43	3.00	3.55	3.14	3.70	4.19	3.51
EV/Sales Full definition →	2.62	3.25	2.82	4.10	3.75	2.87	2.66	3.27	3.43	2.91
EV/EBITDA Full definition →	7.11	8.71	7.72	10.81	10.68	7.60	6.39	8.14	6.90	7.16
EV/Operating CF Full definition →	13.52	14.00	11.22	17.33	12.92	11.84	9.33	12.98	12.30	10.62
EV/FCF Full definition →	14.18	14.33	11.52	18.28	13.50	12.30	9.65	13.65	12.73	10.94
Quick Ratio Full definition →	0.64	0.61	0.56	0.53	0.54	0.50	0.44	0.40	0.40	0.38
Current Ratio Full definition →	0.64	0.61	0.56	0.53	0.54	0.50	0.44	0.40	0.40	0.38
Net Debt/EBITDA Full definition →	1.18	1.32	1.56	1.67	1.51	1.56	1.40	1.26	0.79	0.76
Debt/Assets Full definition →	7.65%	8.91%	10.67%	11.38%	11.54%	12.32%	13.92%	13.18%	13.02%	11.79%
Debt/Equity Full definition →	0.72	0.78	0.92	0.94	0.94	0.95	1.00	0.96	0.84	0.72
Asset Turnover Full definition →	0.14	0.14	0.15	0.16	0.16	0.17	0.17	0.19	0.21	0.22
Operating CF/Net income Full definition →	1.34	1.12	1.48	1.33	1.67	1.38	1.61	1.20	1.83	1.20
Capex/Depreciation Full definition →	(0.07)	(0.03)	(0.05)	(0.09)	(0.11)	(0.07)	(0.07)	(0.11)	(0.05)	(0.08)
Interest Coverage Full definition →	12.77	14.32	15.44	17.56	18.57	22.02	27.39	30.02	38.52	41.68
ROE Full definition →	18.54%	26.53%	22.37%	23.43%	22.04%	24.27%	22.95%	28.15%	21.76%	31.93%
ROA Full definition →	1.99%	2.93%	2.57%	2.78%	2.69%	3.06%	3.07%	3.89%	3.18%	5.08%
ROIC Full definition →	11.19%	10.55%	10.23%	10.10%	10.53%	10.94%	12.55%	13.97%	16.92%	17.60%
Return on Tangible Assets Full definition →	(8.55%)	(11.54%)	(8.97%)	(8.91%)	(8.82%)	(9.36%)	(9.04%)	(9.93%)	(8.41%)	(12.82%)
Average Days of Receivables Full definition →	1,058.18	958.30	837.02	781.91	755.20	640.88	503.23	436.25	357.63	314.93
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	38.56%	38.76%	39.12%	38.52%	35.58%	35.55%	36.12%	35.25%	36.48%	38.68%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.02	0.02	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.88%	0.90%	0.91%	0.85%	0.86%	0.62%	0.84%	0.69%	0.81%	0.75%
Graham Net Nets Full definition →	(1.69)	(1.36)	(1.52)	(1.34)	(1.48)	(1.47)	(1.57)	(1.21)	(0.93)	(1.10)
Graham Number Full definition →	51.52	73.29	74.29	87.32	99.59	119.42	116.79	143.33	143.23	196.82
Earnings Yield Full definition →	6.55%	7.52%	7.53%	6.63%	7.18%	7.85%	7.99%	7.64%	5.08%	8.89%
Free Cash Flow Yield Full definition →	8.47%	8.22%	10.87%	8.35%	11.48%	10.44%	13.57%	8.81%	8.99%	10.38%
Revenue per Share Full definition →	32.04	37.04	43.32	48.66	55.35	68.55	69.94	76.45	90.48	100.87
Operating CF per Share Full definition →	6.21	8.59	10.90	11.51	16.06	16.62	19.94	19.26	25.25	27.62
Capex per Share Full definition →	(0.29)	(0.15)	(0.31)	(0.60)	(0.69)	(0.62)	(0.68)	(0.94)	(0.86)	(0.80)
Free Cash Flow per Share Full definition →	5.92	8.44	10.59	10.91	15.37	15.99	19.26	18.32	24.39	26.82
Cash per Share Full definition →	4.47	6.14	5.98	6.09	13.67	9.93	12.88	16.53	20.15	23.17
Shareholders Equity per Share Full definition →	25.76	31.12	33.33	39.18	45.82	52.68	53.46	57.46	66.17	74.95
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	25.76	31.12	33.33	39.18	45.82	52.68	53.46	57.46	66.17	74.95
Free Cash Flow Full definition →	280.76	384.79	464.55	460.08	615.80	632.27	731.86	658.62	832.86	875.13
Working Capital Full definition →	(2,565.01)	(3,035.42)	(3,592.75)	(4,094.62)	(4,359.59)	(5,077.63)	(5,219.62)	(5,806.96)	(5,592.82)	(5,859.57)
Capital Expenditures Full definition →	(13.67)	(6.75)	(13.52)	(25.44)	(27.62)	(24.69)	(25.80)	(33.90)	(29.23)	(26.05)
Net Current Asset Value Full definition →	(5,601.58)	(6,326.94)	(6,514.69)	(7,382.24)	(7,933.63)	(8,890.36)	(8,457.07)	(9,082.62)	(8,608.39)	(8,970.08)
EV/EBIT Full definition →	10.87	13.44	12.06	16.63	15.52	11.54	9.47	11.26	10.99	9.58
Capex to Sales Full definition →	0.01	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Price to Operating Income Full definition →	9.82	12.26	10.30	11.54	10.59	9.41	7.50	9.69	9.87	8.65
Other line items
Depreciation/Fixed assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash ROIC Full definition →	12.16%	13.70%	15.15%	13.27%	15.01%	14.17%	16.06%	14.19%	17.19%	17.60%
Accounts Receivable Turnover Full definition →	0.35	0.38	0.43	0.47	0.49	0.58	0.63	0.79	0.98	1.12
Accounts Payable Turnover Full definition →	0.07	0.07	0.08	0.08	0.09	0.09	0.09	0.10	0.09	0.09
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	5,627.45	5,241.57	4,919.64	4,784.86	4,129.21	4,090.90	3,764.66	3,921.01	3,909.15	4,105.86
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	4,352.51	4,419.35	4,395.70	4,376.82	4,492.56	4,673.02	4,210.85	3,474.43	3,155.88	2,933.45
Average Payables Full definition →	5,806.52	6,109.95	6,387.48	6,649.80	7,064.70	7,533.94	7,296.02	7,061.14	7,138.86	7,168.04
Average Assets Full definition →	11,024.86	11,949.82	12,527.88	13,141.79	14,296.91	15,514.26	15,382.32	14,834.58	14,804.88	14,797.18
Average Common Equity Full definition →	1,183.57	1,320.24	1,440.31	1,557.00	1,744.19	1,959.20	2,056.88	2,048.61	2,162.50	2,352.47

Show all line items

Columns are period end dates · fundamentals updated 25 Oct 2026

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