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Primerica, Inc. PRI R3KFINANCIAL

Financial Services · Insurance - Life · United States
https://www.primerica.com
Company Profile ↓
$290.33
+11.84% 1Y
Mkt Cap$8.94B
P/E11.67
P/B3.56
Div. Yield1.65%
52W High$325.10
52W Low$243.52
Book Value$81.65
EPS (TTM)$24.88

Company Overview

Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. It operates in three segments: Term Life Insurance; Investment and Savings Products; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities; and offers segregated funds. The Corporate and Other Distributed Products segment provides mortgage loans; prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters; ID theft defense services; auto and homeowners' insurance; home automation solutions; and insurance products, including supplemental and accidental death, and disability insurance. It distributes and sells its products through licensed sales representatives to middle-income households. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 33.0%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at a P/E of 11.7, below the sector median of 12.9.

Healthy Margins

Maintains a net profit margin of 22.8%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $3.29B (+6.6% YoY); net profit $751.23M.
  • Trailing 12 Months Year-on-year growth — revenue +8.7%, earnings +19.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.7%, profit CAGR 2.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.66%
1 Year:8.70%

Compounded Profit Growth

5 Years:2.83%
1 Year:19.50%

Stock Price Performance

1 Year:+11.84%
6 Months:+15.82%
3 Months:+10.83%
1 Month:-9.30%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 57% of range
$243.52 $325.10
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)39.47 · Neutral
Price Performance
1M-9.30%
3M+10.83%
6M+15.82%
1Y+11.84%
Valuation vs Sector

P/E of 11.67 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 33.0%.
  • Excellent profit margin of 22.8%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.67
Industry PE
12.89
Forward P/E
10.69
PEG Ratio
1.07
Book Value
$81.65
Price to Book
3.56
P/S
2.57
EV/EBITDA
9.01
Dividend Yield
1.65%

Growth (CAGR)

Revenue 5Y
2.66%
Profit 5Y
2.83%
Revenue (YoY)
8.70%
Earnings (YoY)
19.50%

Profitability & Returns

ROCE
-
ROE
32.97%
ROA
4.66%
Profit Margin
22.84%
Op Margin
31.54%
Gross Margin
72.10%
EPS (Latest Qtr)
$6.45
EPS (TTM)
$24.88

Balance Sheet & Liquidity

Debt/Equity
0.72
Quick Ratio
1.15
Current Ratio
3.73
Debt
$1.80B
Total Assets
$14.78B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.54%
Chg in Prom Hold
-0.02%
FII / Inst Holding
96.52%
Chg in FII Hold
-0.15%

Financial Snapshot

Enterprise Value
$8.94B
Total Revenue (TTM)
$3.49B
EBITDA
$1.12B
Free Cash Flow
$1.04B
Operating Cash Flow
$891.75M
Shares Outstanding
30.78M
Gross Margin
72.10%
Payout Ratio
18.01%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PRI Primerica, Inc. R3KFINANCIAL 290.33 11.67 $8.94B 1.65% - 32.97% 2.66% 2.83%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 353.45M362.60M378.99M383.63M393.86M405.16M413.70M427.30M442.94M459.92M467.81M484.78M487.32M494.99M504.90M520.65M531.96M524.94M525.82M568.46M637.71M654.69M693.24M691.23M668.68M673.29M671.33M673.50M697.50M706.19M735.95M790.96M774.13M-804.84M793.27M839.77M853.82M872.69M865.07M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------227.32M240.50M277.66M253.04M255.28M-
EBITDA ----------------------------------------
Interest Expense ----------------------------------6.00M6.00M5.99M5.97M5.86M-
Pretax Income ----------------------------------221.31M234.50M271.68M247.07M249.42M-
Tax Provision ----------------------------------52.26M56.15M64.89M50.03M59.32M-
Net Income 47.95M45.18M59.33M58.04M56.87M52.07M63.11M66.64M168.44M65.72M86.70M85.14M86.54M79.17M97.45M96.22M93.56M72.47M101.51M112.10M97.87M128.16M112.46M115.04M127.96M79.56M128.10M144.50M152.06M-137.90M1.17M--169.05M178.34M206.79M197.05M190.10M202.28M
Diluted EPS 0.970.921.231.221.211.111.361.463.721.461.951.941.991.832.282.282.241.752.512.812.463.222.822.913.312.113.463.974.234.303.930.034.83-5.055.406.356.135.976.45

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 2.22B1.36B1.10B1.15B1.23B1.34B1.40B1.52B1.69B1.90B2.05B2.22B-2.66B2.75B3.09B3.29B
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -------------745.89M798.33M964.28M998.52M
EBITDA -----------------
Interest Expense -------------27.24M26.59M25.03M23.96M
Pretax Income -------------718.66M771.74M939.25M974.56M
Tax Provision -------------163.94M180.56M219.12M223.33M
Net Income 494.59M232.46M157.19M173.81M160.05M181.41M189.87M219.41M350.25M324.09M366.39M386.16M-472.07M576.60M470.52M751.23M
Diluted EPS -3.062.082.712.833.293.704.597.617.338.629.57-12.0415.9413.7122.91

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --9.88B9.85B10.34B10.33B10.74B10.61B11.44B12.46B12.60B13.69B14.91B-14.64B15.03B14.58B15.01B
Current Assets ------------------
Cash & Equivalents 302.35M602.52M126.04M136.08M112.21M148.98M192.00M152.29M211.98M279.96M262.14M256.88M547.57M-489.24M594.15M687.82M756.23M
Inventory ------------------
Receivables --------------3.46B3.28B3.03B2.84B
Total Liabilities --8.45B8.53B9.06B9.11B9.49B9.47B10.22B11.04B11.13B12.04B13.07B-12.61B12.96B12.32B12.57B
Current Liabilities ------------------
Long Term Debt ---300.00M374.43M---------2.04B1.98B1.90B1.77B
Total Debt --------------2.08B2.04B1.95B1.82B
Total Equity -4.94B1.36B1.33B1.28B1.22B1.25B1.15B1.22B1.42B1.46B1.65B1.84B-2.03B2.07B2.26B2.45B
Shares Outstanding --------------36.82M35.00M33.37M31.81M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 716.34M40.86M87.22M124.33M187.69M237.33M259.09M294.43M391.54M478.07M485.51M643.42M-757.66M692.52M862.09M901.18M
Investing Cash Flow -357.86M739.57M128.70M62.29M35.48M-15.64M-58.47M-47.92M-131.30M-232.80M-201.88M-53.53M--200.05M-90.05M-232.25M-235.57M
Financing Cash Flow -56.43M-1.29B-206.56M-211.09M-184.94M-175.88M-235.27M-187.39M-193.46M-261.00M-290.13M-301.79M--457.85M-479.62M-551.14M-599.64M
Capital Expenditure -4.89M-9.86M-3.91M-----------25.80M-33.90M-29.23M-26.05M
Free Cash Flow 711.45M30.99M83.30M----------731.86M658.62M832.86M875.13M
Net Change in Cash -------------99.77M122.84M78.70M65.97M
Share Buybacks 00204.11M257.58M86.28M147.92M200.08M150.06M150.04M210.15M225.04M231.43M18.75M356.31M375.06M425.04M450.03M
Dividends Paid -------------255.00M330.00M290.00M271.70M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -------------28.1%29.0%31.2%30.3%
Net Margin % 22.3%17.1%14.3%15.1%13.0%13.6%13.5%14.4%20.7%17.1%17.9%17.4%-17.8%21.0%15.2%22.8%
ROE % 10.0%17.1%11.8%13.6%13.1%14.6%16.6%18.0%24.7%22.2%22.2%21.0%-23.2%27.9%20.8%30.7%
ROCE % -----------------

Shareholding Pattern

Insiders
0.54%
Institutions
96.52%
Public Float
97.04%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.70% 2.98M $867.23M
2 FMR, LLC 9.17% 2.82M $820.21M
3 Kayne Anderson Rudnick Investment Management LLC 9.00% 2.77M $804.50M
4 Vanguard Portfolio Management LLC 5.97% 1.84M $533.65M
5 Vanguard Capital Management LLC 4.60% 1.41M $411.18M
6 State Street Corporation 3.38% 1.04M $302.59M
7 Geode Capital Management, LLC 2.94% 905.87K $263.24M
8 Brave Warrior Advisors, LLC 2.81% 865.86K $251.61M
9 Bank of Montreal /CAN/ 2.44% 750.25K $218.01M
10 BAMCO Inc. 2.18% 671.45K $195.12M

Analyst View

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Latest News

Recent headlines for PRI

Google News ue, 08 Sep 2026

Is Primerica (PRI) Cheap On Strong Investment Sales Growth? - simplywall.st

<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxQdlI0eUIya2R4VnpZX2VjUXpIOHMybk1fUmh0UHJibDRVdFcwMGVvTEwycHZYN3EzbUExT0xxV0Nzc1l2MHNLM0RhWWZHUTBrMWJvNnBXbGVoS0xQZVVyZTFIZkR0TGhWYy03RUJ1ZWpvWkltQ29vWEswYWgyZ3UtOEt6aDlCZWJZektKTl…

Google News Wed, 26 Aug 2026

Primerica (PRI) Stock Looks Reasonable On Earnings While Returns Stay Strong - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxNd1lOczVaU3ViS09oU3lUODg5Vm9RWmdwUFhEVm1TVFFfOUxlX0U4NFdZY3hTZERIY04wUk81LWFQLU1TM3dDOVQ1c0hYWF9rWGpKMEhndnNzYkNRaC1xd01aVDVzeUVya2I3YjQ5TmgzeUdQdGJsbGcwazdUWDVFU2xfNVRqM2NHbFA4Qy…

Google News Sun, 06 Sep 2026

Public Employees Retirement System of Ohio Makes New $2.75 Million Investment in Primerica, Inc. $PRI - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi7gFBVV95cUxOUFRPN28yR3lTcFZpV2hZOUMxX3BNMmhuZmFLU29EaVJWcU1XWW1QM3dCX3lVM1h6TlIyNXNxN3FDYTk2enRJQnZCUUhCMlUyRXdIeDh4X2xfZkRUcWRoTTEyTmxfSy1EcXl6Y2lldGZOZDJaSmV2Z2hQTHdsTlJrZVVuQWxab1FuR19YUT…

Google News hu, 03 Sep 2026

RGA Hits 52-Week High: Time to Add the Stock for Better Returns? - tradingview.com

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Google News Sat, 05 Sep 2026

Primerica (PRI) Stock May Be Near Fair Value Based On Earnings - simplywall.st

<a href="https://news.google.com/rss/articles/CBMixAFBVV95cUxOT3ZjWVdLQm5FU3FQS0hJYktCbXNWc0s1UldUQndnU2tvY1N1LUhlWlh5M0FNMjdBOEZKejk3X280RWZCaFEwWEh1UTR4OWJxNUVhXzItT1hCRTdNU1JmTko0TUpVNU9iMGwycU5nVDlicXhKY2JiYjNLd0Nram9EUmhxenpkdXFyS1lfaj…

Google News Wed, 26 Aug 2026

Middle-income families’ necessity costs rose 3.7% as income grew 2.1% - Stock Titan

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PRI — Frequently Asked Questions

What is the current share price of Primerica, Inc. (PRI)?

As of 2026-09-19 21:16 PDT, Primerica, Inc. (PRI) trades at $290.33 on NYSE. Its 52-week range is $243.52 to $325.10.

What is the market capitalisation of PRI?

Primerica, Inc. (PRI) has a market capitalisation of $8.94B on NYSE.

What is the P/E ratio of PRI?

PRI trades at a trailing price-to-earnings (P/E) ratio of 11.67. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 3.56.

Does PRI pay a dividend?

Primerica, Inc. (PRI) currently offers a dividend yield of 1.65%.

What is the return on equity (ROE) of PRI?

PRI has a return on equity (ROE) of 32.97%.

Is PRI a good stock to buy?

This page provides a data-driven analysis of Primerica, Inc. (PRI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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