Overview Dividends

(PRI) Primerica - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US74164M1080

Term Life Insurance, Mutual Funds, Retirement Plans, Segregated Funds, Mortgage Loans

EPS (Earnings per Share)

EPS Growth (3y CAGR): 24.17%
EPS Trend (3y Corr): 92.7%

Last SUE: 2.66σ
Qual. Beats: 1

Revenue

Revenue Growth (3y CAGR): 6.80%
Revenue Trend (3y Corr): 95.9%

Last SUE: 0.00σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	21.8%
Value at Risk 5%th	36.3%
Relative Tail Risk	1.17%

Reward TTM
Sharpe Ratio	-0.59
Alpha	-26.26

Character TTM
Hurst Exponent	0.363
Beta	0.895
Beta Downside	1.107

Drawdowns 3y
Max DD	19.55%
Mean DD	6.35%
Median DD	5.54%

Description: PRI Primerica November 03, 2025

Primerica, Inc. (NYSE:PRI) is a U.S.-based financial services firm that targets middle-income households in the United States and Canada, distributing its products through a large network of licensed representatives.

The business is organized into three primary segments: (1) **Term Life Insurance**, which underwrites individual term policies; (2) **Investment and Savings Products**, offering mutual funds, retirement plans, variable and fixed annuities, and indexed annuities; and (3) **Corporate and Other Distributed Products**, which includes mortgage loans, prepaid legal services, ID-theft protection, auto/homeowners insurance, home-automation solutions, and supplemental disability or accidental-death coverage.

Key recent metrics show PRI generated roughly **$2.1 billion in revenue** and **$520 million in net income** for FY 2023, supported by a **~140,000-representative sales force** that drives a 95% renewal rate on term-life policies. The segment’s growth is buoyed by demographic trends-aging millennials entering prime earning years increase demand for affordable term coverage-while rising interest rates improve the yield profile of its annuity products, a sector driver that can lift contribution margins.

For a deeper, data-driven view of Primerica’s valuation and risk profile, consider exploring the company’s analytics on ValueRay.

PRI Stock Overview

Market Cap in USD	8,108m
Sub-Industry	Life & Health Insurance
IPO / Inception	2010-04-01
Return 12m vs S&P 500	-23.1%
Analyst Rating	3.44 of 5

PRI Dividends

Metric	Value
Dividend Yield	1.97%
Yield on Cost 5y	4.07%
Yield CAGR 5y	19.84%
Payout Consistency	100.0%
Payout Ratio	19.1%

PRI Growth Ratios

Metric	Value
CAGR 3y	22.79%
CAGR/Max DD Calmar Ratio	1.17
CAGR/Mean DD Pain Ratio	3.59
Current Volume	240.5k
Average Volume	188.6k

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (721.3m TTM) > 0 and > 6% of Revenue (6% = 192.6m TTM)

FCFTA 0.06 (>2.0%) and ΔFCFTA 0.29pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 114.2% (prev 209.1%; Δ -94.93pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.06 (>3.0%) and CFO 833.6m > Net Income 721.3m (YES >=105%, WARN >=100%)

Net Debt (-644.9m) to EBITDA (1.19b) ratio: -0.54 <= 3.0 (WARN <= 3.5)

Current Ratio 29.56 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (32.5m) change vs 12m ago -4.25% (target <= -2.0% for YES)

Gross Margin 70.51% (prev 42.46%; Δ 28.05pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 21.64% (prev 20.43%; Δ 1.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 24.49 (EBITDA TTM 1.19b / Interest Expense TTM 38.7m) >= 6 (WARN >= 3)

Altman Z'' 2.75

(A) 0.25 = (Total Current Assets 3.79b - Total Current Liabilities 128.3m) / Total Assets 14.85b

(B) 0.16 = Retained Earnings (Balance) 2.32b / Total Assets 14.85b

(D) 0.18 = Book Value of Equity 2.30b / Total Liabilities 12.55b

Total Rating: 2.75 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 93.71

1. Piotroski 6.0pt = 1.0

2. FCF Yield 13.40% = 5.0

3. FCF Margin 25.89% = 6.47

4. Debt/Equity 0.82 = 2.17

5. Debt/Ebitda -0.54 = 2.50

6. ROIC - WACC (= 9.79)% = 12.24

7. RoE 31.64% = 2.50

8. Rev. Trend 95.88% = 7.19

9. EPS Trend 92.69% = 4.63

What is the price of PRI shares?

As of November 20, 2025, the stock is trading at USD 256.51 with a total of 240,472 shares traded.
Over the past week, the price has changed by -0.96%, over one month by -2.19%, over three months by -3.77% and over the past year by -12.61%.

Is PRI a buy, sell or hold?

Primerica has received a consensus analysts rating of 3.44. Therefor, it is recommend to hold PRI.

Strong Buy: 2
Buy: 0
Hold: 7
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the PRI price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	304.9	18.8%
Analysts Target Price	304.9	18.8%
ValueRay Target Price	289.5	12.9%

PRI Fundamental Data Overview November 16, 2025

Market Cap USD = 8.11b (8.11b USD * 1.0 USD.USD)
P/E Trailing = 11.6537
P/E Forward = 14.0449
P/S = 2.4311
P/B = 3.5308
P/EG = 1.05
Beta = 0.898
Revenue TTM = 3.21b USD
EBIT TTM = 947.3m USD
EBITDA TTM = 1.19b USD
Long Term Debt = 1.84b USD (from longTermDebt, last quarter)
Short Term Debt = 7.23m USD (from shortTermDebt, last fiscal year)
Debt = 1.89b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -644.9m USD (from netDebt column, last quarter)
Enterprise Value = 6.20b USD (8.11b + Debt 1.89b - CCE 3.79b)
Interest Coverage Ratio = 24.49 (Ebit TTM 947.3m / Interest Expense TTM 38.7m)
FCF Yield = 13.40% (FCF TTM 831.0m / Enterprise Value 6.20b)
FCF Margin = 25.89% (FCF TTM 831.0m / Revenue TTM 3.21b)
Net Margin = 22.47% (Net Income TTM 721.3m / Revenue TTM 3.21b)
Gross Margin = 70.51% ((Revenue TTM 3.21b - Cost of Revenue TTM 946.5m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 41.63%)
Tobins Q-Ratio = 0.42 (Enterprise Value 6.20b / Total Assets 14.85b)
Interest Expense / Debt = 0.32% (Interest Expense 5.99m / Debt 1.89b)
Taxrate = 23.88% (64.9m / 271.7m)
NOPAT = 721.1m (EBIT 947.3m * (1 - 23.88%))
Current Ratio = 29.56 (Total Current Assets 3.79b / Total Current Liabilities 128.3m)
Debt / Equity = 0.82 (Debt 1.89b / totalStockholderEquity, last quarter 2.30b)
Debt / EBITDA = -0.54 (Net Debt -644.9m / EBITDA 1.19b)
Debt / FCF = -0.78 (Net Debt -644.9m / FCF TTM 831.0m)
Total Stockholder Equity = 2.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.86% (Net Income 721.3m / Total Assets 14.85b)
RoE = 31.64% (Net Income TTM 721.3m / Total Stockholder Equity 2.28b)
RoCE = 23.02% (EBIT 947.3m / Capital Employed (Equity 2.28b + L.T.Debt 1.84b))
RoIC = 17.39% (NOPAT 721.1m / Invested Capital 4.15b)
WACC = 7.60% (E(8.11b)/V(10.00b) * Re(9.31%) + D(1.89b)/V(10.00b) * Rd(0.32%) * (1-Tc(0.24)))
Discount Rate = 9.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.41%
[DCF Debug] Terminal Value 74.90% ; FCFE base≈812.8m ; Y1≈869.8m ; Y5≈1.06b
Fair Price DCF = 462.4 (DCF Value 14.76b / Shares Outstanding 31.9m; 5y FCF grow 7.83% → 3.0% )
EPS Correlation: 92.69 | EPS CAGR: 24.17% | SUE: 2.66 | # QB: 1
Revenue Correlation: 95.88 | Revenue CAGR: 6.80% | SUE: -0.00 | # QB: 0

Additional Sources for PRI Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle