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

Show all line items

Columns are period end dates · fundamentals updated 25 Oct 2026

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