(PRI) Primerica - Ratings and Ratios
Term Life Insurance, Mutual Funds, Retirement Plans, Annuities, Mortgage Loans
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.60% |
| Yield on Cost 5y | 3.28% |
| Yield CAGR 5y | 21.96% |
| Payout Consistency | 100.0% |
| Payout Ratio | 19.1% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 20.5% |
| Value at Risk 5%th | 34.3% |
| Relative Tail Risk | 1.49% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.20 |
| Alpha | -19.90 |
| CAGR/Max DD | 1.18 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.337 |
| Beta | 0.848 |
| Beta Downside | 1.102 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.55% |
| Mean DD | 6.76% |
| Median DD | 6.30% |
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 (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) 86.98
| 1. Piotroski 6.0pt |
| 2. FCF Yield 8.64% |
| 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 1.84% |
What is the price of PRI shares?
Over the past week, the price has changed by +0.12%, over one month by +3.73%, over three months by -5.62% and over the past year by -3.77%.
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 | 298.3 | 14.4% |
| Analysts Target Price | 298.3 | 14.4% |
| ValueRay Target Price | 306.4 | 17.5% |
PRI Fundamental Data Overview January 04, 2026
P/E Trailing = 11.8738
P/E Forward = 14.0449
P/S = 2.5128
P/B = 3.5916
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 = 9.62b USD (8.38b + Debt 1.89b - CCE 644.9m)
Interest Coverage Ratio = 18.14 (Ebit TTM 964.1m / Interest Expense TTM 53.2m)
FCF Yield = 8.64% (FCF TTM 831.0m / Enterprise Value 9.62b)
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 9.62b / 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(8.38b)/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: -5.41%
[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: 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=5.50 | Chg30d=+0.013 | Revisions Net=+3 | Analysts=7
EPS next Year (2026-12-31): EPS=23.86 | Chg30d=-0.038 | Revisions Net=+1 | Growth EPS=+6.8% | Growth Revenue=+5.3%
Additional Sources for PRI Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle