PRI Stock Analysis: Primerica | NYSE
Insurance - Life | NYSE, USA | Market Cap: 8.937m USD | 12M Return: 9.8% | US74164M1080 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 51.9M
EPS Trend: 99.7%
Qual. Beats: 4
Rev. Trend: 99.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Primerica, Inc. (NYSE: PRI) is a financial services company that primarily serves middle-income households in the United States and Canada through a network of licensed sales representatives. Founded in 1927 and headquartered in Duluth, Georgia, the company operates through three main segments: Term Life Insurance, Investment and Savings Products, and Corporate and Other Distributed Products.
The Term Life Insurance segment underwrites individual term life insurance, while the Investment and Savings Products segment offers mutual funds, retirement plans, managed investments, variable and fixed annuities, fixed indexed annuities, and segregated funds. The Corporate and Other Distributed Products segment distributes a range of supplementary offerings, including mortgage loans, prepaid legal services, ID theft defense, auto and homeowners insurance, home automation solutions, and supplemental health coverage such as accidental death and disability insurance.
As a member of the Life & Health Insurance sub-industry within the Financials sector, Primericas business model is distinguished by its focus on the under-served middle-income market segment, a demographic that many traditional financial firms tend to overlook. The company was taken public on April 1, 2010, and currently carries a mid-cap market capitalization.
- Term life underwriting margins expand on favorable mortality experience
- Investment and Savings revenue swings with equity markets and interest rates
- Independent sales force growth drives middle-income household client acquisitions
| Net Income: 796.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.36 > 1.0 |
| NWC/Revenue: 84.07% < 20% (prev 132.5%; Δ -48.42% < -1%) |
| CFO/TA 0.06 > 3% & CFO 891.7m > Net Income 796.2m |
| Net Debt (1.12b) to EBITDA (1.15b): 0.97 < 3 |
| Current Ratio: 6.84 > 1.5 & < 3 |
| Outstanding Shares: last quarter (31.2m) vs 12m ago -5.09% < -2% |
| Gross Margin: 72.14% > 18% (prev 56.45%; Δ 15.69% > 0.5%) |
| Asset Turnover: 22.96% > 50% (prev 21.31%; Δ 1.65% > 0%) |
| Interest Coverage Ratio: 27.54 > 6 (EBIT TTM 1.05b / Interest Expense TTM 38.1m) |
| A: 0.19 (Total Current Assets 3.35b - Total Current Liabilities 489.1m) / Total Assets 14.8b |
| B: 0.17 (Retained Earnings 2.47b / Total Assets 14.8b) |
| C: 0.07 (EBIT TTM 1.05b / Avg Total Assets 14.8b) |
| D: 0.21 (Book Value of Equity 2.52b / Total Liabilities 12.3b) |
| Altman-Z'' = 2.51 = A |
| DSRI: 0.10 (Receivables 291.4m/3.16b, Revenue 3.40b/3.16b) |
| GMI: 0.78 (GM 56.45% / 72.14%) |
| AQI: 1.15 (AQ_t 0.77 / AQ_t-1 0.67) |
| SGI: 1.08 (Revenue 3.40b / 3.16b) |
| TATA: -0.01 (NI 796.2m - CFO 891.7m) / TA 14.8b) |
| Beneish M = -3.82 (Cap -4..+1) = AAA |
As of September 05, 2026, the stock is trading at USD 295.62 with a total of 180,719 shares traded. Over the past week, the price has changed by +1.80%, over one month by -6.71%, over three months by +15.10% and over the past year by +9.83%.
Current recommended Stop Loss: 280.20 (which is 5.2% or 2.5 ATR below the current price).
Primerica has received a consensus analysts rating of 3.44. Therefore, it is recommended to hold PRI.
- StrongBuy: 2
- Buy: 0
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 332.8 | 12.6% |
P/E Trailing = 11.6669
P/E Forward = 14.0449
P/S = 2.5637
P/B = 3.5553
P/EG = 1.0671
Revenue TTM = 3.40b USD
EBIT TTM = 1.05b USD
EBITDA TTM = 1.15b USD
Long Term Debt = 1.67b USD (from longTermDebt, last quarter)
Short Term Debt = 7.69m USD (from shortTermDebt, last fiscal year)
Debt = 1.72b USD (corrected: LT Debt 1.67b + ST Debt 7.69m) + Leases 46.9m
Net Debt = 1.12b USD (calculated: Debt 1.72b - CCE 605.1m)
Enterprise Value = 10.1b USD (8.94b + Debt 1.72b - CCE 605.1m)
Interest Coverage Ratio = 27.54 (Ebit TTM 1.05b / Interest Expense TTM 38.1m)
EV/FCF = 11.70x (Enterprise Value 10.1b / FCF TTM 859.6m)
FCF Yield = 8.55% (FCF TTM 859.6m / Enterprise Value 10.1b)
FCF Margin = 25.28% (FCF TTM 859.6m / Revenue TTM 3.40b)
Net Margin = 23.42% (Net Income TTM 796.2m / Revenue TTM 3.40b)
Gross Margin = 72.14% ((Revenue TTM 3.40b - Cost of Revenue TTM 947.4m) / Revenue TTM)
Gross Margin QoQ = 82.97% (prev 80.87%)
Tobins Q-Ratio = 0.68 (Enterprise Value 10.1b / Total Assets 14.8b)
Interest Expense / Debt = 2.21% (Interest Expense 38.1m / Debt 1.72b)
Taxrate = 22.43% (230.2m / 1.03b)
NOPAT = 814.6m (EBIT 1.05b * (1 - 22.43%))
Current Ratio = 6.84 (Total Current Assets 3.35b / Total Current Liabilities 489.1m)
Debt / Equity = 0.68 (Debt 1.72b / totalStockholderEquity, last quarter 2.52b)
Debt / EBITDA = 0.97 (Net Debt 1.12b / EBITDA 1.15b)
Debt / FCF = 1.30 (Net Debt 1.12b / FCF TTM 859.6m)
Total Stockholder Equity = 2.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.38% (Net Income 796.2m / Total Assets 14.8b)
RoE = 32.55% (Net Income TTM 796.2m / Total Stockholder Equity 2.45b)
RoCE = 25.52% (EBIT 1.05b / Capital Employed (Equity 2.45b + L.T.Debt 1.67b))
RoIC = 5.76% (NOPAT 814.6m / Invested Capital 14.1b)
WACC = 6.41% (E(8.94b)/V(10.7b) * Re(7.31%) + D(1.72b)/V(10.7b) * Rd(2.21%) * (1-Tc(0.22)))
Discount Rate = 7.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.85 | Cagr: -4.85%
[DCF] Terminal Value 76.23% ; FCFF base≈839.4m ; Y1≈886.5m ; Y5≈1.04b
[DCF] Fair Price = 483.2 (EV 16.0b - Net Debt 1.12b = Equity 14.9b / Shares 30.8m; r=8.35% [WACC [floored]]; 5y FCF grow 6.25% → 2.50% )
EPS Correlation: 99.72 | EPS CAGR: 19.87% | SUE: 1.55 | # QB: 4
Revenue Correlation: 99.13 | Revenue CAGR: 7.86% | SUE: -0.02 | # QB: 0
EPS current Quarter (2026-09-30): EPS=6.35 | Chg30d=+2.10% | Revisions=+40% | Analysts=7
EPS current Year (2026-12-31): EPS=25.16 | Chg30d=+2.09% | Revisions=+57% | GrowthEPS=+9.8% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=27.12 | Chg30d=+1.43% | Revisions=+62% | GrowthEPS=+7.8% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: +79% (up=11, down=0)