(PRI) Primerica - Ratings and Ratios
Term Life Insurance, Mutual Funds, Retirement Plans, Annuities
Dividends
| Dividend Yield | 1.63% |
| Yield on Cost 5y | 3.21% |
| Yield CAGR 5y | 19.84% |
| Payout Consistency | 100.0% |
| Payout Ratio | 19.1% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 21.8% |
| Value at Risk 5%th | 36.3% |
| Relative Tail Risk | 1.19% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.60 |
| Alpha | -27.83 |
| CAGR/Max DD | 1.22 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.415 |
| Beta | 0.866 |
| Beta Downside | 1.082 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.55% |
| Mean DD | 6.37% |
| Median DD | 5.62% |
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.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (721.3m TTM) > 0 and > 6% of Revenue (6% = 193.6m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA 0.29pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 113.6% (prev 209.1%; Δ -95.52pp) (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 (1.24b) to EBITDA (982.7m) ratio: 1.26 <= 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 55.94% (prev 42.46%; Δ 13.48pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 21.75% (prev 20.43%; Δ 1.32pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 18.14 (EBITDA TTM 982.7m / Interest Expense TTM 53.2m) >= 6 (WARN >= 3) |
Altman Z'' 2.76
| (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 |
| (C) 0.07 = EBIT TTM 964.1m / Avg Total Assets 14.83b |
| (D) 0.18 = Book Value of Equity 2.30b / Total Liabilities 12.55b |
| Total Rating: 2.76 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 92.06
| 1. Piotroski 6.0pt |
| 2. FCF Yield 9.60% |
| 3. FCF Margin 25.76% |
| 4. Debt/Equity 0.82 |
| 5. Debt/Ebitda 1.26 |
| 6. ROIC - WACC (= 10.01)% |
| 7. RoE 31.64% |
| 8. Rev. Trend 87.88% |
| 9. EPS Trend 93.81% |
What is the price of PRI shares?
Over the past week, the price has changed by -1.13%, over one month by -1.98%, over three months by -4.81% and over the past year by -13.18%.
Is PRI a buy, sell or hold?
- 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 | 302 | 18.3% |
| Analysts Target Price | 302 | 18.3% |
| ValueRay Target Price | 287.1 | 12.5% |
PRI Fundamental Data Overview November 25, 2025
P/E Trailing = 12.0799
P/E Forward = 14.0449
P/S = 2.5552
P/B = 3.6575
P/EG = 1.05
Beta = 0.898
Revenue TTM = 3.23b USD
EBIT TTM = 964.1m USD
EBITDA TTM = 982.7m 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 = 1.24b USD (from netDebt column, last quarter)
Enterprise Value = 8.66b USD (8.52b + Debt 1.89b - CCE 1.75b)
Interest Coverage Ratio = 18.14 (Ebit TTM 964.1m / Interest Expense TTM 53.2m)
FCF Yield = 9.60% (FCF TTM 831.0m / Enterprise Value 8.66b)
FCF Margin = 25.76% (FCF TTM 831.0m / Revenue TTM 3.23b)
Net Margin = 22.36% (Net Income TTM 721.3m / Revenue TTM 3.23b)
Gross Margin = 55.94% ((Revenue TTM 3.23b - Cost of Revenue TTM 1.42b) / Revenue TTM)
Gross Margin QoQ = 43.45% (prev 41.63%)
Tobins Q-Ratio = 0.58 (Enterprise Value 8.66b / Total Assets 14.85b)
Interest Expense / Debt = 1.08% (Interest Expense 20.5m / Debt 1.89b)
Taxrate = 23.88% (64.9m / 271.7m)
NOPAT = 733.8m (EBIT 964.1m * (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 = 1.26 (Net Debt 1.24b / EBITDA 982.7m)
Debt / FCF = 1.50 (Net Debt 1.24b / 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 = 23.42% (EBIT 964.1m / Capital Employed (Equity 2.28b + L.T.Debt 1.84b))
RoIC = 17.70% (NOPAT 733.8m / Invested Capital 4.15b)
WACC = 7.69% (E(8.52b)/V(10.41b) * Re(9.21%) + D(1.89b)/V(10.41b) * Rd(1.08%) * (1-Tc(0.24)))
Discount Rate = 9.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.00%
[DCF Debug] Terminal Value 75.23% ; FCFE base≈812.8m ; Y1≈869.8m ; Y5≈1.06b
Fair Price DCF = 469.9 (DCF Value 15.00b / Shares Outstanding 31.9m; 5y FCF grow 7.83% → 3.0% )
EPS Correlation: 93.81 | EPS CAGR: 22.69% | SUE: 2.66 | # QB: 1
Revenue Correlation: 87.88 | Revenue CAGR: 4.03% | SUE: 0.04 | # QB: 0
EPS next Quarter (2026-03-31): EPS=5.49 | Chg30d=+0.030 | Revisions Net=+2 | Analysts=6
EPS next Year (2026-12-31): EPS=23.89 | Chg30d=+0.317 | Revisions Net=+3 | Growth EPS=+7.2% | Growth Revenue=+5.0%
Additional Sources for PRI Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle