(PRI) Primerica - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US74164M1080
Stock: Life Insurance, Investments, Annuities, Loans, Legal Services
Total Rating 37
Risk 78
Buy Signal -0.40
| Risk 5d forecast | |
|---|---|
| Volatility | 26.2% |
| Relative Tail Risk | 2.73% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.33 |
| Alpha | -22.11 |
| Character TTM | |
|---|---|
| Beta | 0.754 |
| Beta Downside | 0.800 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.55% |
| CAGR/Max DD | 0.87 |
EPS (Earnings per Share)
Revenue
Description: PRI Primerica March 04, 2026
Primerica, Inc. (PRI) offers financial products to middle-income households in the US and Canada. The company primarily operates in three segments: Term Life Insurance, Investment and Savings Products, and Corporate and Other Distributed Products.
The Term Life Insurance segment focuses on individual term life policies. The Investment and Savings Products segment provides mutual funds, retirement plans, annuities, and managed investments. This segment operates within the broader asset management industry. The Corporate and Other Distributed Products segment includes mortgage loans, prepaid legal services, identity theft protection, and various insurance types such as auto, homeowners, supplemental, and disability. This diversified approach is common among financial services firms. Primerica distributes its products through a network of licensed sales representatives, a common model in the insurance and financial advisory sectors.
Further research on ValueRay can provide more in-depth insights into PRIs financial performance and market position.
Headlines to watch out for
- Term life insurance sales drive revenue growth
- Investment product demand impacts asset under management fees
- Regulatory changes could increase compliance costs
- Interest rate fluctuations affect investment income
- Agent recruitment and retention influence sales volume
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 751.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.21 > 1.0 |
| NWC/Revenue: 117.3% < 20% (prev 136.7%; Δ -19.32% < -1%) |
| CFO/TA 0.06 > 3% & CFO 897.2m > Net Income 751.2m |
| Net Debt (1.06b) to EBITDA (1.01b): 1.05 < 3 |
| Current Ratio: 22.68 > 1.5 & < 3 |
| Outstanding Shares: last quarter (32.0m) vs 12m ago -6.34% < -2% |
| Gross Margin: 66.27% > 18% (prev 0.42%; Δ 6584 % > 0.5%) |
| Asset Turnover: 22.14% > 50% (prev 21.18%; Δ 0.96% > 0%) |
| Interest Coverage Ratio: 18.71 > 6 (EBITDA TTM 1.01b / Interest Expense TTM 53.1m) |
Altman Z'' 2.86
| A: 0.26 (Total Current Assets 4.02b - Total Current Liabilities 177.3m) / Total Assets 15.01b |
| B: 0.16 (Retained Earnings 2.42b / Total Assets 15.01b) |
| C: 0.07 (EBIT TTM 992.5m / Avg Total Assets 14.80b) |
| D: 0.19 (Book Value of Equity 2.45b / Total Liabilities 12.57b) |
| Altman-Z'' Score: 2.86 = A |
Beneish M -4.00
| DSRI: 0.09 (Receivables 275.2m/3.03b, Revenue 3.28b/3.09b) |
| GMI: 0.64 (GM 66.27% / 42.34%) |
| AQI: 1.09 (AQ_t 0.73 / AQ_t-1 0.67) |
| SGI: 1.06 (Revenue 3.28b / 3.09b) |
| TATA: -0.01 (NI 751.2m - CFO 897.2m) / TA 15.01b) |
| Beneish M-Score: -4.02 (Cap -4..+1) = AAA |
What is the price of PRI shares?
As of March 09, 2026, the stock is trading at USD 257.31 with a total of 237,291 shares traded.
Over the past week, the price has changed by -0.36%, over one month by -3.75%, over three months by +2.81% and over the past year by -5.12%.
Over the past week, the price has changed by -0.36%, over one month by -3.75%, over three months by +2.81% and over the past year by -5.12%.
Is PRI a buy, sell or hold?
Primerica has received a consensus analysts rating of 3.44.
Therefor, it is recommend to hold PRI.
- 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 | 289.3 | 12.4% |
| Analysts Target Price | 289.3 | 12.4% |
PRI Fundamental Data Overview March 08, 2026
P/E Trailing = 11.5334
P/E Forward = 14.0449
P/S = 2.4516
P/B = 3.4358
P/EG = 1.05
Revenue TTM = 3.28b USD
EBIT TTM = 992.5m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 1.84b USD (from longTermDebt, two quarters ago)
Short Term Debt = 7.69m USD (from shortTermDebt, last quarter)
Debt = 1.82b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.06b USD (from netDebt column, last quarter)
Enterprise Value = 6.01b USD (8.21b + Debt 1.82b - CCE 4.02b)
Interest Coverage Ratio = 18.71 (Ebit TTM 992.5m / Interest Expense TTM 53.1m)
EV/FCF = 6.76x (Enterprise Value 6.01b / FCF TTM 888.6m)
FCF Yield = 14.78% (FCF TTM 888.6m / Enterprise Value 6.01b)
FCF Margin = 27.12% (FCF TTM 888.6m / Revenue TTM 3.28b)
Net Margin = 22.93% (Net Income TTM 751.2m / Revenue TTM 3.28b)
Gross Margin = 66.27% ((Revenue TTM 3.28b - Cost of Revenue TTM 1.11b) / Revenue TTM)
Gross Margin QoQ = 80.76% (prev 43.45%)
Tobins Q-Ratio = 0.40 (Enterprise Value 6.01b / Total Assets 15.01b)
Interest Expense / Debt = 0.33% (Interest Expense 5.97m / Debt 1.82b)
Taxrate = 20.25% (50.0m / 247.1m)
NOPAT = 791.6m (EBIT 992.5m * (1 - 20.25%))
Current Ratio = 22.68 (Total Current Assets 4.02b / Total Current Liabilities 177.3m)
Debt / Equity = 0.74 (Debt 1.82b / totalStockholderEquity, last quarter 2.45b)
Debt / EBITDA = 1.05 (Net Debt 1.06b / EBITDA 1.01b)
Debt / FCF = 1.20 (Net Debt 1.06b / FCF TTM 888.6m)
Total Stockholder Equity = 2.33b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.08% (Net Income 751.2m / Total Assets 15.01b)
RoE = 32.29% (Net Income TTM 751.2m / Total Stockholder Equity 2.33b)
RoCE = 23.84% (EBIT 992.5m / Capital Employed (Equity 2.33b + L.T.Debt 1.84b))
RoIC = 19.11% (NOPAT 791.6m / Invested Capital 4.14b)
WACC = 7.16% (E(8.21b)/V(10.03b) * Re(8.69%) + D(1.82b)/V(10.03b) * Rd(0.33%) * (1-Tc(0.20)))
Discount Rate = 8.69% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.26%
[DCF] Terminal Value 81.97% ; FCFF base≈866.3m ; Y1≈915.4m ; Y5≈1.08b
[DCF] Fair Price = 676.0 (EV 22.57b - Net Debt 1.06b = Equity 21.50b / Shares 31.8m; r=7.16% [WACC]; 5y FCF grow 6.24% → 2.90% )
EPS Correlation: 90.85 | EPS CAGR: 32.90% | SUE: 1.21 | # QB: 2
Revenue Correlation: 95.61 | Revenue CAGR: 5.28% | SUE: -0.14 | # QB: 0
EPS next Quarter (2026-06-30): EPS=5.90 | Chg7d=-0.011 | Chg30d=-0.054 | Revisions Net=-2 | Analysts=7
EPS current Year (2026-12-31): EPS=23.78 | Chg7d=+0.032 | Chg30d=-0.062 | Revisions Net=-1 | Growth EPS=+3.8% | Growth Revenue=+5.0%
EPS next Year (2027-12-31): EPS=25.98 | Chg7d=+0.076 | Chg30d=-0.044 | Revisions Net=+1 | Growth EPS=+9.2% | Growth Revenue=+5.4%
[Analyst] Revisions Ratio: -1.00 (0 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.0% (Discount Rate 8.7% - Earnings Yield 8.7%)
[Growth] Growth Spread = +7.7% (Analyst 7.7% - Implied 0.0%)
P/E Forward = 14.0449
P/S = 2.4516
P/B = 3.4358
P/EG = 1.05
Revenue TTM = 3.28b USD
EBIT TTM = 992.5m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 1.84b USD (from longTermDebt, two quarters ago)
Short Term Debt = 7.69m USD (from shortTermDebt, last quarter)
Debt = 1.82b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.06b USD (from netDebt column, last quarter)
Enterprise Value = 6.01b USD (8.21b + Debt 1.82b - CCE 4.02b)
Interest Coverage Ratio = 18.71 (Ebit TTM 992.5m / Interest Expense TTM 53.1m)
EV/FCF = 6.76x (Enterprise Value 6.01b / FCF TTM 888.6m)
FCF Yield = 14.78% (FCF TTM 888.6m / Enterprise Value 6.01b)
FCF Margin = 27.12% (FCF TTM 888.6m / Revenue TTM 3.28b)
Net Margin = 22.93% (Net Income TTM 751.2m / Revenue TTM 3.28b)
Gross Margin = 66.27% ((Revenue TTM 3.28b - Cost of Revenue TTM 1.11b) / Revenue TTM)
Gross Margin QoQ = 80.76% (prev 43.45%)
Tobins Q-Ratio = 0.40 (Enterprise Value 6.01b / Total Assets 15.01b)
Interest Expense / Debt = 0.33% (Interest Expense 5.97m / Debt 1.82b)
Taxrate = 20.25% (50.0m / 247.1m)
NOPAT = 791.6m (EBIT 992.5m * (1 - 20.25%))
Current Ratio = 22.68 (Total Current Assets 4.02b / Total Current Liabilities 177.3m)
Debt / Equity = 0.74 (Debt 1.82b / totalStockholderEquity, last quarter 2.45b)
Debt / EBITDA = 1.05 (Net Debt 1.06b / EBITDA 1.01b)
Debt / FCF = 1.20 (Net Debt 1.06b / FCF TTM 888.6m)
Total Stockholder Equity = 2.33b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.08% (Net Income 751.2m / Total Assets 15.01b)
RoE = 32.29% (Net Income TTM 751.2m / Total Stockholder Equity 2.33b)
RoCE = 23.84% (EBIT 992.5m / Capital Employed (Equity 2.33b + L.T.Debt 1.84b))
RoIC = 19.11% (NOPAT 791.6m / Invested Capital 4.14b)
WACC = 7.16% (E(8.21b)/V(10.03b) * Re(8.69%) + D(1.82b)/V(10.03b) * Rd(0.33%) * (1-Tc(0.20)))
Discount Rate = 8.69% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.26%
[DCF] Terminal Value 81.97% ; FCFF base≈866.3m ; Y1≈915.4m ; Y5≈1.08b
[DCF] Fair Price = 676.0 (EV 22.57b - Net Debt 1.06b = Equity 21.50b / Shares 31.8m; r=7.16% [WACC]; 5y FCF grow 6.24% → 2.90% )
EPS Correlation: 90.85 | EPS CAGR: 32.90% | SUE: 1.21 | # QB: 2
Revenue Correlation: 95.61 | Revenue CAGR: 5.28% | SUE: -0.14 | # QB: 0
EPS next Quarter (2026-06-30): EPS=5.90 | Chg7d=-0.011 | Chg30d=-0.054 | Revisions Net=-2 | Analysts=7
EPS current Year (2026-12-31): EPS=23.78 | Chg7d=+0.032 | Chg30d=-0.062 | Revisions Net=-1 | Growth EPS=+3.8% | Growth Revenue=+5.0%
EPS next Year (2027-12-31): EPS=25.98 | Chg7d=+0.076 | Chg30d=-0.044 | Revisions Net=+1 | Growth EPS=+9.2% | Growth Revenue=+5.4%
[Analyst] Revisions Ratio: -1.00 (0 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.0% (Discount Rate 8.7% - Earnings Yield 8.7%)
[Growth] Growth Spread = +7.7% (Analyst 7.7% - Implied 0.0%)