(PRI) Primerica - Overview
Stock: Term Life Insurance, Mutual Funds, Retirement Plans, Annuities, Mortgage Loans
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.56% |
| Yield on Cost 5y | 2.98% |
| Yield CAGR 5y | 21.96% |
| Payout Consistency | 100.0% |
| Payout Ratio | 24.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 21.6% |
| Relative Tail Risk | 1.65% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.25 |
| Alpha | -19.15 |
| Character TTM | |
|---|---|
| Beta | 0.844 |
| Beta Downside | 1.095 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.55% |
| CAGR/Max DD | 1.01 |
Description: PRI Primerica January 06, 2026
Primerica, Inc. (NYSE: PRI) markets a suite of financial products-primarily term life insurance, investment and savings solutions, and a range of ancillary services such as mortgage loans and legal-assistance plans-to middle-income households across the United States and Canada. The firm’s distribution model relies on a large network of licensed representatives who sell directly to consumers, and its operations are organized into three reporting segments: Term Life Insurance; Investment and Savings Products; and Corporate & Other Distributed Products.
According to the most recent Form 10-K (2023), Primerica generated roughly **$2.5 billion in revenue**, with **≈ 85 %** derived from the Term Life Insurance segment, reflecting the durability of its core underwriting business. The company reported **net income of $398 million** and an **adjusted EPS of $3.20**, indicating modest profitability relative to peers in the Life & Health Insurance sub-industry. Key drivers include (1) the **demographic tailwind** of a growing middle-class population in North America, (2) **interest-rate dynamics** that influence demand for its annuity and fixed-indexed products, and (3) the **regulatory environment** governing insurance sales, which can affect the cost of acquiring new representatives. Primerica’s distribution force exceeds **100,000 licensed agents**, a metric that correlates strongly with its ability to cross-sell products and sustain revenue growth.
For a deeper, data-rich perspective on PRI’s valuation and risk profile, you might explore the analytics platform **ValueRay**, which aggregates real-time financial metrics and scenario modeling to help investors assess high-expected-value opportunities.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 721.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.29 > 1.0 |
| NWC/Revenue: 113.6% < 20% (prev 209.1%; Δ -95.52% < -1%) |
| CFO/TA 0.06 > 3% & CFO 833.6m > Net Income 721.3m |
| Net Debt (1.24b) to EBITDA (982.7m): 1.26 < 3 |
| Current Ratio: 29.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (32.5m) vs 12m ago -4.25% < -2% |
| Gross Margin: 55.94% > 18% (prev 0.42%; Δ 5552 % > 0.5%) |
| Asset Turnover: 21.75% > 50% (prev 20.43%; Δ 1.32% > 0%) |
| Interest Coverage Ratio: 18.14 > 6 (EBITDA TTM 982.7m / Interest Expense TTM 53.2m) |
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 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) |
| Altman-Z'' Score: 2.76 = A |
Beneish M -3.09
| DSRI: 0.86 (Receivables 3.03b/3.30b, Revenue 3.23b/3.03b) |
| GMI: 0.76 (GM 55.94% / 42.46%) |
| AQI: 1.39 (AQ_t 0.74 / AQ_t-1 0.53) |
| SGI: 1.07 (Revenue 3.23b / 3.03b) |
| TATA: -0.01 (NI 721.3m - CFO 833.6m) / TA 14.85b) |
| Beneish M-Score: -3.09 (Cap -4..+1) = AA |
What is the price of PRI shares?
Over the past week, the price has changed by +4.88%, over one month by +5.78%, over three months by +10.65% and over the past year by -5.45%.
Is PRI a buy, sell or hold?
- StrongBuy: 2
- Buy: 0
- Hold: 7
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PRI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 298.5 | 8.2% |
| Analysts Target Price | 298.5 | 8.2% |
| ValueRay Target Price | 317.6 | 15.1% |
PRI Fundamental Data Overview February 03, 2026
P/E Forward = 14.0449
P/S = 2.5546
P/B = 3.6415
P/EG = 1.05
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 = 9.76b USD (8.52b + Debt 1.89b - CCE 644.9m)
Interest Coverage Ratio = 18.14 (Ebit TTM 964.1m / Interest Expense TTM 53.2m)
EV/FCF = 11.75x (Enterprise Value 9.76b / FCF TTM 831.0m)
FCF Yield = 8.51% (FCF TTM 831.0m / Enterprise Value 9.76b)
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 = 0.66 (Enterprise Value 9.76b / 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 = 7.54% (E(8.52b)/V(10.41b) * Re(9.03%) + D(1.89b)/V(10.41b) * Rd(1.08%) * (1-Tc(0.24)))
Discount Rate = 9.03% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.00%
[DCF Debug] Terminal Value 80.71% ; FCFF base≈812.8m ; Y1≈869.7m ; Y5≈1.05b
Fair Price DCF = 591.7 (EV 20.13b - Net Debt 1.24b = Equity 18.88b / Shares 31.9m; r=7.54% [WACC]; 5y FCF grow 7.83% → 2.90% )
EPS Correlation: 1.84 | EPS CAGR: -38.32% | SUE: -4.0 | # QB: 0
Revenue Correlation: 87.86 | Revenue CAGR: 4.03% | SUE: 0.04 | # QB: 0
EPS next Quarter (2026-03-31): EPS=5.49 | Chg30d=+0.006 | Revisions Net=+3 | Analysts=7
EPS next Year (2026-12-31): EPS=23.85 | Chg30d=-0.009 | Revisions Net=+1 | Growth EPS=+6.7% | Growth Revenue=+5.2%