(PRI) Primerica - Ratings and Ratios
Life Insurance, Mutual Funds, Annuities, Mortgage Loans, Insurance Products
PRI EPS (Earnings per Share)
PRI Revenue
Description: PRI Primerica
Primerica Inc (NYSE:PRI) is a financial services company catering to middle-income households in the US and Canada, offering a range of products across three main segments: Term Life Insurance, Investment and Savings Products, and Corporate and Other Distributed Products. The companys diverse portfolio includes term life insurance, mutual funds, retirement plans, annuities, mortgage loans, and various insurance products, distributed through a network of licensed sales representatives.
From a business perspective, Primericas focus on middle-income households positions it well in a large and relatively stable market. The companys multi-channel product offerings also provide a degree of diversification, potentially reducing reliance on any single revenue stream. Key Performance Indicators (KPIs) to monitor Primericas performance could include sales growth, policyholder retention rates, investment product assets under management (AUM), and return on equity (RoE), which is currently at 23.38%. Additionally, the companys ability to maintain a strong distribution network and adapt to changing regulatory requirements will be crucial to its ongoing success.
From a valuation perspective, Primericas current P/E ratio of 11.93 and forward P/E of 14.04 suggest a relatively attractive valuation compared to its peers. The companys market capitalization stands at approximately $8.56 billion, indicating a sizable presence in the life and health insurance sub-industry. As a Trading Analyst, it would be essential to continue monitoring Primericas financial performance, industry trends, and macroeconomic factors to assess its potential for future growth and identify potential trading opportunities.
PRI Stock Overview
| Market Cap in USD | 8,554m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2010-04-01 |
PRI Stock Ratings
| Growth Rating | 40.8% |
| Fundamental | 86.7% |
| Dividend Rating | 71.4% |
| Return 12m vs S&P 500 | -17.5% |
| Analyst Rating | 3.44 of 5 |
PRI Dividends
| Dividend Yield 12m | 1.53% |
| Yield on Cost 5y | 3.52% |
| Annual Growth 5y | 19.84% |
| Payout Consistency | 100.0% |
| Payout Ratio | 19.0% |
PRI Growth Ratios
| Growth Correlation 3m | 56.6% |
| Growth Correlation 12m | -50.5% |
| Growth Correlation 5y | 87% |
| CAGR 5y | 26.27% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.34 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.37 |
| Sharpe Ratio 12m | -0.61 |
| Alpha | -21.80 |
| Beta | 0.970 |
| Volatility | 24.02% |
| Current Volume | 91.5k |
| Average Volume 20d | 144.4k |
| Stop Loss | 254.3 (-3%) |
| Signal | -0.88 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (678.8m TTM) > 0 and > 6% of Revenue (6% = 191.5m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -0.76pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 112.4% (prev 23.68%; Δ 88.68pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 837.9m > Net Income 678.8m (YES >=105%, WARN >=100%) |
| Net Debt (-621.2m) to EBITDA (1.33b) ratio: -0.47 <= 3.0 (WARN <= 3.5) |
| Current Ratio 28.21 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (32.9m) change vs 12m ago -4.28% (target <= -2.0% for YES) |
| Gross Margin 68.48% (prev 77.62%; Δ -9.14pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 24.03% (prev 25.50%; Δ -1.47pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 33.81 (EBITDA TTM 1.33b / Interest Expense TTM 38.8m) >= 6 (WARN >= 3) |
Altman Z'' 2.94
| (A) 0.24 = (Total Current Assets 3.72b - Total Current Liabilities 131.8m) / Total Assets 14.83b |
| (B) 0.15 = Retained Earnings (Balance) 2.27b / Total Assets 14.83b |
| (C) 0.10 = EBIT TTM 1.31b / Avg Total Assets 13.28b |
| (D) 0.18 = Book Value of Equity 2.31b / Total Liabilities 12.52b |
| Total Rating: 2.94 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 86.71
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 12.00% = 5.0 |
| 3. FCF Margin 25.35% = 6.34 |
| 4. Debt/Equity 0.83 = 2.17 |
| 5. Debt/Ebitda -0.47 = 2.50 |
| 6. ROIC - WACC (= 16.44)% = 12.50 |
| 7. RoE 30.96% = 2.50 |
| 8. Rev. Trend 94.35% = 7.08 |
| 9. EPS Trend -27.59% = -1.38 |
What is the price of PRI shares?
Over the past week, the price has changed by -1.62%, over one month by -3.68%, over three months by -0.24% and over the past year by -3.92%.
Is Primerica a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PRI is around 282.68 USD . This means that PRI is currently overvalued and has a potential downside of 7.79%.
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 | 311.6 | 18.8% |
| Analysts Target Price | 311.6 | 18.8% |
| ValueRay Target Price | 313.8 | 19.6% |
Last update: 2025-10-20 04:00
PRI Fundamental Data Overview
P/E Trailing = 12.4861
P/E Forward = 14.0449
P/S = 2.6557
P/B = 3.9069
P/EG = 1.05
Beta = 0.97
Revenue TTM = 3.19b USD
EBIT TTM = 1.31b USD
EBITDA TTM = 1.33b USD
Long Term Debt = 1.85b USD (from longTermDebt, last quarter)
Short Term Debt = 7.23m USD (from shortTermDebt, last fiscal year)
Debt = 1.91b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -621.2m USD (from netDebt column, last quarter)
Enterprise Value = 6.74b USD (8.55b + Debt 1.91b - CCE 3.72b)
Interest Coverage Ratio = 33.81 (Ebit TTM 1.31b / Interest Expense TTM 38.8m)
FCF Yield = 12.00% (FCF TTM 809.1m / Enterprise Value 6.74b)
FCF Margin = 25.35% (FCF TTM 809.1m / Revenue TTM 3.19b)
Net Margin = 21.27% (Net Income TTM 678.8m / Revenue TTM 3.19b)
Gross Margin = 68.48% ((Revenue TTM 3.19b - Cost of Revenue TTM 1.01b) / Revenue TTM)
Gross Margin QoQ = 63.32% (prev 99.25%)
Tobins Q-Ratio = 0.45 (Enterprise Value 6.74b / Total Assets 14.83b)
Interest Expense / Debt = 1.08% (Interest Expense 20.6m / Debt 1.91b)
Taxrate = 23.95% (56.2m / 234.5m)
NOPAT = 997.3m (EBIT 1.31b * (1 - 23.95%))
Current Ratio = 28.21 (Total Current Assets 3.72b / Total Current Liabilities 131.8m)
Debt / Equity = 0.83 (Debt 1.91b / totalStockholderEquity, last quarter 2.31b)
Debt / EBITDA = -0.47 (Net Debt -621.2m / EBITDA 1.33b)
Debt / FCF = -0.77 (Net Debt -621.2m / FCF TTM 809.1m)
Total Stockholder Equity = 2.19b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.58% (Net Income 678.8m / Total Assets 14.83b)
RoE = 30.96% (Net Income TTM 678.8m / Total Stockholder Equity 2.19b)
RoCE = 32.41% (EBIT 1.31b / Capital Employed (Equity 2.19b + L.T.Debt 1.85b))
RoIC = 24.44% (NOPAT 997.3m / Invested Capital 4.08b)
WACC = 7.99% (E(8.55b)/V(10.46b) * Re(9.59%) + D(1.91b)/V(10.46b) * Rd(1.08%) * (1-Tc(0.24)))
Discount Rate = 9.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.32%
[DCF Debug] Terminal Value 74.29% ; FCFE base≈776.9m ; Y1≈848.2m ; Y5≈1.07b
Fair Price DCF = 440.7 (DCF Value 14.28b / Shares Outstanding 32.4m; 5y FCF grow 10.45% → 3.0% )
EPS Correlation: -27.59 | EPS CAGR: -55.35% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.35 | Revenue CAGR: 6.15% | SUE: 0.01 | # QB: 0
Additional Sources for PRI Stock
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Fund Manager Positions: Dataroma | Stockcircle