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, Annuities

Life & Health Insurance
Market Cap in USD: 8,386m

IPO / Inception: 2010-04-01
Return 12m vs S&P 500: -16.0%

EPS (Earnings per Share)

EPS CAGR: 22.69%
EPS Trend: 90.2%

Last SUE: 2.66
Qual. Beats: 1

Revenue

Rev. CAGR: 4.03%
Rev. Trend: 87.9%

Last SUE: 0.04
Qual. Beats: 0

Dividends

Dividend Yield	1.61%
Yield on Cost 5y	3.34%
Yield CAGR 5y	19.84%
Payout Consistency	100.0%
Payout Ratio	19.1%

Risk via 5d forecast
Volatility	19.9%
Value at Risk 5%th	33.2%
Relative Tail Risk	1.50%

Reward TTM
Sharpe Ratio	-0.10
Alpha	-17.42
CAGR/Max DD	1.24

Character TTM
Hurst Exponent	0.484
Beta	0.847
Beta Downside	1.111

Drawdowns 3y
Max DD	19.55%
Mean DD	6.59%
Median DD	5.98%

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

(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) 91.40

1. Piotroski 6.0pt

2. FCF Yield 8.63%

3. FCF Margin 25.76%

4. Debt/Equity 0.82

5. Debt/Ebitda 1.26

6. ROIC - WACC (= 10.08)%

7. RoE 31.64%

8. Rev. Trend 87.86%

9. EPS Trend 90.23%

What is the price of PRI shares?

As of December 22, 2025, the stock is trading at USD 258.83 with a total of 164,281 shares traded.
Over the past week, the price has changed by +0.10%, over one month by -1.62%, over three months by -4.56% and over the past year by -2.72%.

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	298.3	15.3%
Analysts Target Price	298.3	15.3%
ValueRay Target Price	295.2	14%

PRI Fundamental Data Overview December 19, 2025

Market Cap USD = 8.39b (8.39b USD * 1.0 USD.USD)
P/E Trailing = 11.849
P/E Forward = 14.0449
P/S = 2.5144
P/B = 3.5868
P/EG = 1.05
Beta = 0.9
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 = 9.63b USD (8.39b + Debt 1.89b - CCE 644.9m)
Interest Coverage Ratio = 18.14 (Ebit TTM 964.1m / Interest Expense TTM 53.2m)
FCF Yield = 8.63% (FCF TTM 831.0m / Enterprise Value 9.63b)
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 = 0.65 (Enterprise Value 9.63b / 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 = 7.61% (E(8.39b)/V(10.27b) * Re(9.14%) + D(1.89b)/V(10.27b) * Rd(1.08%) * (1-Tc(0.24)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.00%
[DCF Debug] Terminal Value 75.47% ; FCFE base≈812.8m ; Y1≈869.8m ; Y5≈1.06b
Fair Price DCF = 475.3 (DCF Value 15.17b / Shares Outstanding 31.9m; 5y FCF grow 7.83% → 3.0% )
EPS Correlation: 90.23 | EPS CAGR: 22.69% | SUE: 2.66 | # QB: 1
Revenue Correlation: 87.86 | Revenue CAGR: 4.03% | SUE: 0.04 | # QB: 0
EPS next Quarter (2026-03-31): EPS=5.49 | Chg30d=-0.003 | Revisions Net=+3 | Analysts=6
EPS next Year (2026-12-31): EPS=23.82 | Chg30d=+0.019 | Revisions Net=+5 | Growth EPS=+7.1% | Growth Revenue=+5.0%

Additional Sources for PRI Stock

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