Sunday 11 October 2026
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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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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
15.27 | 13.31 | 13.28 | 15.09 | 13.92 | 12.74 | 12.52 | 13.09 | 19.70 | 11.25 |
Piotroski F-Score |
7 | 7 | 7 | 8 | 6 | 8 | 7 | 8 | 7 | 8 |
P/S ratio |
2.18 | 2.75 | 2.26 | 2.68 | 2.42 | 2.24 | 2.03 | 2.72 | 3.00 | 2.56 |
P/FCF ratio |
11.81 | 12.16 | 9.20 | 11.97 | 8.71 | 9.58 | 7.37 | 11.35 | 11.13 | 9.63 |
P/Operating CF |
25.94 | 25.60 | 22.23 | 33.54 | 22.41 | 27.31 | 26.13 | 31.02 | 34.24 | 24.93 |
P/B ratio |
2.72 | 3.28 | 2.93 | 3.33 | 2.92 | 2.91 | 2.66 | 3.62 | 4.10 | 3.45 |
Price to Tangible BV |
2.84 | 3.40 | 3.03 | 3.43 | 3.00 | 3.55 | 3.14 | 3.70 | 4.19 | 3.51 |
EV/Sales |
2.62 | 3.25 | 2.82 | 4.10 | 3.75 | 2.87 | 2.66 | 3.27 | 3.43 | 2.91 |
EV/EBITDA |
7.11 | 8.71 | 7.72 | 10.81 | 10.68 | 7.60 | 6.39 | 8.14 | 6.90 | 7.16 |
EV/Operating CF |
13.52 | 14.00 | 11.22 | 17.33 | 12.92 | 11.84 | 9.33 | 12.98 | 12.30 | 10.62 |
EV/FCF |
14.18 | 14.33 | 11.52 | 18.28 | 13.50 | 12.30 | 9.65 | 13.65 | 12.73 | 10.94 |
Quick Ratio |
0.64 | 0.61 | 0.56 | 0.53 | 0.54 | 0.50 | 0.44 | 0.40 | 0.40 | 0.38 |
Current Ratio |
0.64 | 0.61 | 0.56 | 0.53 | 0.54 | 0.50 | 0.44 | 0.40 | 0.40 | 0.38 |
Net Debt/EBITDA |
1.18 | 1.32 | 1.56 | 1.67 | 1.51 | 1.56 | 1.40 | 1.26 | 0.79 | 0.76 |
Debt/Assets |
7.65% | 8.91% | 10.67% | 11.38% | 11.54% | 12.32% | 13.92% | 13.18% | 13.02% | 11.79% |
Debt/Equity |
0.72 | 0.78 | 0.92 | 0.94 | 0.94 | 0.95 | 1.00 | 0.96 | 0.84 | 0.72 |
Asset Turnover |
0.14 | 0.14 | 0.15 | 0.16 | 0.16 | 0.17 | 0.17 | 0.19 | 0.21 | 0.22 |
Operating CF/Net income |
1.34 | 1.12 | 1.48 | 1.33 | 1.67 | 1.38 | 1.61 | 1.20 | 1.83 | 1.20 |
Capex/Depreciation |
(0.07) | (0.03) | (0.05) | (0.09) | (0.11) | (0.07) | (0.07) | (0.11) | (0.05) | (0.08) |
Interest Coverage |
12.77 | 14.32 | 15.44 | 17.56 | 18.57 | 22.02 | 27.39 | 30.02 | 38.52 | 41.68 |
| 18.54% | 26.53% | 22.37% | 23.43% | 22.04% | 24.27% | 22.95% | 28.15% | 21.76% | 31.93% | |
| 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% |
Return on Tangible Assets |
(8.55%) | (11.54%) | (8.97%) | (8.91%) | (8.82%) | (9.36%) | (9.04%) | (9.93%) | (8.41%) | (12.82%) |
Average Days of Receivables |
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 |
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 |
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 |
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 |
0.88% | 0.90% | 0.91% | 0.85% | 0.86% | 0.62% | 0.84% | 0.69% | 0.81% | 0.75% |
Graham Net Nets |
(1.69) | (1.36) | (1.52) | (1.34) | (1.48) | (1.47) | (1.57) | (1.21) | (0.93) | (1.10) |
Graham Number |
51.52 | 73.29 | 74.29 | 87.32 | 99.59 | 119.42 | 116.79 | 143.33 | 143.23 | 196.82 |
Earnings Yield |
6.55% | 7.52% | 7.53% | 6.63% | 7.18% | 7.85% | 7.99% | 7.64% | 5.08% | 8.89% |
Free Cash Flow Yield |
8.47% | 8.22% | 10.87% | 8.35% | 11.48% | 10.44% | 13.57% | 8.81% | 8.99% | 10.38% |
Revenue per Share |
32.04 | 37.04 | 43.32 | 48.66 | 55.35 | 68.55 | 69.94 | 76.45 | 90.48 | 100.87 |
Operating CF per Share |
6.21 | 8.59 | 10.90 | 11.51 | 16.06 | 16.62 | 19.94 | 19.26 | 25.25 | 27.62 |
Capex per Share |
(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 |
5.92 | 8.44 | 10.59 | 10.91 | 15.37 | 15.99 | 19.26 | 18.32 | 24.39 | 26.82 |
Cash per Share |
4.47 | 6.14 | 5.98 | 6.09 | 13.67 | 9.93 | 12.88 | 16.53 | 20.15 | 23.17 |
Shareholders Equity per Share |
25.76 | 31.12 | 33.33 | 39.18 | 45.82 | 52.68 | 53.46 | 57.46 | 66.17 | 74.95 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
25.76 | 31.12 | 33.33 | 39.18 | 45.82 | 52.68 | 53.46 | 57.46 | 66.17 | 74.95 |
Free Cash Flow |
280.76 | 384.79 | 464.55 | 460.08 | 615.80 | 632.27 | 731.86 | 658.62 | 832.86 | 875.13 |
Working Capital |
(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 |
(13.67) | (6.75) | (13.52) | (25.44) | (27.62) | (24.69) | (25.80) | (33.90) | (29.23) | (26.05) |
Net Current Asset Value |
(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 |
10.87 | 13.44 | 12.06 | 16.63 | 15.52 | 11.54 | 9.47 | 11.26 | 10.99 | 9.58 |
Capex to Sales |
0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
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 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
12.16% | 13.70% | 15.15% | 13.27% | 15.01% | 14.17% | 16.06% | 14.19% | 17.19% | 17.60% |
Accounts Receivable Turnover |
0.35 | 0.38 | 0.43 | 0.47 | 0.49 | 0.58 | 0.63 | 0.79 | 0.98 | 1.12 |
Accounts Payable Turnover |
0.07 | 0.07 | 0.08 | 0.08 | 0.09 | 0.09 | 0.09 | 0.10 | 0.09 | 0.09 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
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 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
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 |
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 |
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 |
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 |
Columns are period end dates