Symbols / PRI Stock $279.97 -0.30% Primerica, Inc.

Financial Services • Insurance - Life • United States • NYQ
PRI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Life
CEO Mr. Glenn Jackson Williams
Exch · Country NYQ · United States
Market Cap 8.86B
Enterprise Value 10.00B
Income 748.79M
Sales 3.35B
FCF (ttm) 1.13B
Book/sh 76.89
Cash/sh 24.29
Employees 2,301
Insider 10d —
IPO Apr 01, 2010
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 18.16%
P/E 12.23
Forward P/E 10.70
PEG 1.07
P/S 2.65
P/B 3.64
P/C —
EV/EBITDA 9.30
EV/Sales 2.98
Quick Ratio 1.01
Current Ratio 3.54
Debt/Eq 77.92
LT Debt/Eq —
EPS (ttm) 22.90
EPS next Y 26.16
EPS Growth 23.50%
Revenue Growth 8.00%
EPS Gr Q/Q 17.90%
Rev Gr Q/Q —
Earnings (next) 2026-05-06
Earnings (prior) 2026-02-11
ROA 4.46%
ROE 31.93%
ROIC —
Gross Margin 70.91%
Oper. Margin 30.80%
Profit Margin 22.43%
Shs Outstand 31.40M
Shs Float 31.48M
Insider Own 0.55%
Instit Own 96.55%
Short Float 5.13%
Short Ratio 6.37
Short Interest 1.23M
52W High 288.03
vs 52W High -2.80%
52W Low 230.09
vs 52W Low 21.68%
Beta 0.90
Impl. Vol. 0.01%
Rel Volume 0.64
Avg Volume 219.18K
Volume 141.24K
Target (mean) $293.33
Tgt Median $290.00
Tgt Low $263.00
Tgt High $322.00
# Analysts 6
Recom Buy
Prev Close $280.80
Price $279.97
Change -0.30%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$293.33
Mean price target
2. Current target
$279.97
Latest analyst target
3. DCF / Fair value
$647.58
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$279.97
Low
$263.00
High
$322.00
Mean
$293.33

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-03 main Morgan Stanley Equal-Weight → Equal-Weight $285
2025-11-17 main Morgan Stanley Equal-Weight → Equal-Weight $301
2025-11-11 main Keefe, Bruyette & Woods Market Perform → Market Perform $315
2025-10-07 main Morgan Stanley Equal-Weight → Equal-Weight $306
2025-09-23 up BMO Capital Market Perform → Outperform $318
2025-08-18 main Morgan Stanley Equal-Weight → Equal-Weight $308
2025-08-11 main Keefe, Bruyette & Woods Market Perform → Market Perform $320
2025-08-11 main Jefferies Hold → Hold $283
2025-07-15 main Morgan Stanley Equal-Weight → Equal-Weight $292
2025-05-19 main Morgan Stanley Equal-Weight → Equal-Weight $296
2025-04-11 main Morgan Stanley Equal-Weight → Equal-Weight $274
2025-04-09 main Keefe, Bruyette & Woods Market Perform → Market Perform $315
2025-02-28 main Morgan Stanley Equal-Weight → Equal-Weight $304
2025-02-18 main Keefe, Bruyette & Woods Market Perform → Market Perform $320
2025-02-14 main Morgan Stanley Equal-Weight → Equal-Weight $313
2025-01-23 init BMO Capital — → Market Perform $311
2025-01-10 main Keefe, Bruyette & Woods Market Perform → Market Perform $315
2024-12-18 main Piper Sandler Neutral → Neutral $300
2024-11-26 main TD Cowen Buy → Buy $345
2024-11-08 main Truist Securities Buy → Buy $340
News
RSS: Latest PRI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-13 WILLIAMS DONALD RICHARD Director — 44 $249.06 $10,976
2026-03-13 CRITTENDEN GARY L Director — 99 $249.06 $24,850
2026-03-13 DAY CYNTHIA N Director — 94 $249.06 $23,449
2026-03-13 YASTINE BARBARA A Director — 64 $249.06 $16,187
2026-03-13 PEREZ BEATRIZ R Director — 54 $249.06 $13,569
2026-03-13 BABBIT JOEL M Director — 36 $249.06 $9,122
2026-03-13 COTTLE AMBER LYNNE Director — 14 $249.06 $3,628
2026-03-10 SCHNEIDER PETER W W President — 1,800 $252.38 $454,284
2026-03-06 WILLIAMS DONALD RICHARD Director — 8,000 $0.00 $0
2026-03-02 JENDUSA NICHOLAS ADAM Officer — 190 $255.51 $48,546
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
3,291.71
+6.56%
3,089.14
+12.39%
2,748.51
+3.43%
2,657.45
Operating Revenue
3,291.71
+6.56%
3,089.14
+12.39%
2,748.51
+3.43%
2,657.45
Other Operating Expenses
368.37
+7.21%
343.61
+12.79%
304.64
+5.97%
287.47
Total Expenses
2,317.15
+7.78%
2,149.90
+8.76%
1,976.77
+1.96%
1,938.80
Reconciled Depreciation
19.25
-17.73%
23.40
-26.79%
31.96
-6.47%
34.17
EBIT
998.52
+3.55%
964.28
+20.79%
798.33
+7.03%
745.89
Total Unusual Items
—
—
0.00
+100.00%
-60.00
Total Unusual Items Excluding Goodwill
—
—
0.00
+100.00%
-60.00
Special Income Charges
—
—
0.00
+100.00%
-60.00
Other Special Charges
—
—
—
—
Impairment Of Capital Assets
—
—
0.00
-100.00%
60.00
Net Income
751.23
+59.66%
470.52
-18.40%
576.60
+22.14%
472.07
Pretax Income
974.56
+3.76%
939.25
+21.71%
771.74
+7.39%
718.66
Net Non Operating Interest Income Expense
-23.96
+4.30%
-25.03
+5.87%
-26.59
+2.36%
-27.24
Interest Expense Non Operating
23.96
-4.30%
25.03
-5.87%
26.59
-2.36%
27.24
Net Interest Income
-23.96
+4.30%
-25.03
+5.87%
-26.59
+2.36%
-27.24
Interest Expense
23.96
-4.30%
25.03
-5.87%
26.59
-2.36%
27.24
Interest Income
-58.04
+7.36%
-62.65
+4.31%
-65.47
-2.43%
-63.92
Other Income Expense
65.61
-45.03%
119.35
+82.49%
65.40
-3.68%
67.90
Tax Provision
223.33
+1.92%
219.12
+21.36%
180.56
+10.13%
163.94
Tax Rate For Calcs
0.00
-1.84%
0.00
-0.29%
0.00
+2.61%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
751.23
+59.66%
470.52
-18.40%
576.60
+23.46%
467.03
Net Income From Continuing Operation Net Minority Interest
751.23
+4.32%
720.13
+21.81%
591.18
+5.61%
559.75
Net Income From Continuing And Discontinued Operation
751.23
+59.66%
470.52
-18.40%
576.60
+22.14%
472.07
Net Income Continuous Operations
751.23
+4.32%
720.13
+21.81%
591.18
+6.57%
554.71
Net Income Discontinuous Operations
0.00
+100.00%
-249.61
-1611.89%
-14.58
+83.37%
-87.68
Minority Interests
—
0.00
0.00
-100.00%
5.04
Normalized Income
751.23
+4.32%
720.13
+21.81%
591.18
+5.61%
559.75
Net Income Common Stockholders
751.23
+59.66%
470.52
-18.40%
576.60
+22.14%
472.07
Otherunder Preferred Stock Dividend
—
—
2.48
+47.45%
1.68
Diluted EPS
22.91
+67.10%
13.71
-13.99%
15.94
+32.39%
12.04
Basic EPS
22.95
+67.15%
13.73
-14.03%
15.97
+32.20%
12.08
Basic Average Shares
32.63
-4.42%
34.14
-5.04%
35.95
-5.38%
38.00
Diluted Average Shares
32.68
-4.44%
34.20
-5.07%
36.03
-5.18%
38.00
Diluted NI Availto Com Stockholders
751.23
+59.66%
470.52
-18.40%
576.60
+22.14%
472.07
Average Dilution Earnings
—
—
0.00
+0.00%
0.00
Loss Adjustment Expense
892.00
+1.61%
877.86
-0.02%
878.05
+0.99%
869.43
Net Policyholder Benefits And Claims
892.00
+1.61%
877.86
-0.02%
878.05
+0.99%
869.43
Line Item Trend 2023-12-31
Total Assets
15,027.73
Cash Cash Equivalents And Short Term Investments
3,313.89
Cash And Cash Equivalents
594.15
Other Short Term Investments
2,719.74
Receivables
3,288.43
Accounts Receivable
3,284.99
Other Receivables
190.26
Taxes Receivable
3.44
Net PPE
89.11
Goodwill And Other Intangible Assets
45.27
Goodwill
127.71
Other Intangible Assets
175.03
Investments And Advances
4,154.79
Total Liabilities Net Minority Interest
12,961.76
Payables And Accrued Expenses
536.47
Payables
536.47
Accounts Payable
513.80
Other Payable
99.78
Total Tax Payable
22.67
Income Tax Payable
22.67
Current Debt And Capital Lease Obligation
—
Current Debt
—
Long Term Debt And Capital Lease Obligation
2,039.19
Long Term Debt
1,980.30
Long Term Capital Lease Obligation
58.89
Non Current Deferred Liabilities
53.59
Non Current Deferred Taxes Liabilities
53.59
Stockholders Equity
2,065.97
Common Stock Equity
2,065.97
Capital Stock
0.35
Common Stock
0.35
Share Issued
35.00
Ordinary Shares Number
35.00
Treasury Shares Number
0.00
Additional Paid In Capital
0.00
Retained Earnings
2,276.95
Gains Losses Not Affecting Retained Earnings
-211.33
Minority Interest
0.00
Other Equity Adjustments
-39.09
Total Equity Gross Minority Interest
2,065.97
Total Capitalization
4,046.27
Invested Capital
4,046.27
Total Debt
2,039.19
Net Debt
1,386.15
Capital Lease Obligations
58.89
Net Tangible Assets
2,020.69
Tangible Book Value
2,020.69
Current Notes Payable
—
Foreign Currency Translation Adjustments
-2.23
Unrealized Gain Loss
-170.01
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
901.18
+4.53%
862.09
+24.49%
692.52
-8.60%
757.66
Cash Flow From Continuing Operating Activities
901.18
+17.60%
766.30
+10.65%
692.52
-8.60%
757.66
Cash From Discontinued Operating Activities
0.00
-100.00%
95.79
0.00
0.00
Net Income From Continuing Operations
751.23
+59.66%
470.52
-18.40%
576.60
+23.46%
467.03
Depreciation And Amortization
19.25
-17.73%
23.40
-26.79%
31.96
-6.47%
34.17
Other Non Cash Items
-9.54
+72.50%
-34.69
-138.40%
-14.55
-162.48%
23.29
Stock Based Compensation
24.60
-1.89%
25.07
+32.59%
18.91
-15.43%
22.36
Asset Impairment Charge
0.00
-100.00%
253.61
0.00
-100.00%
60.00
Deferred Tax
-29.55
+73.28%
-110.60
-154.95%
-43.38
+17.84%
-52.80
Deferred Income Tax
-29.55
+73.28%
-110.60
-154.95%
-43.38
+17.84%
-52.80
Operating Gains Losses
2.51
+513.18%
-0.61
-121.90%
2.77
+300.87%
-1.38
Gain Loss On Investment Securities
2.51
+513.18%
-0.61
-121.90%
2.77
+300.87%
-1.38
Unrealized Gain Loss On Investment Securities
-1.66
-1.96%
-1.63
-151.93%
3.14
+32.08%
2.38
Change In Working Capital
359.85
-8.68%
394.07
+9.99%
358.26
-19.37%
444.32
Change In Receivables
242.99
+20.69%
201.33
-11.83%
228.35
-52.55%
481.30
Changes In Account Receivables
239.24
+33.91%
178.65
-18.26%
218.57
-52.63%
461.45
Change In Other Working Capital
21.63
-55.37%
48.47
+77.07%
27.37
+2499.04%
-1.14
Investing Cash Flow
-235.57
-1.43%
-232.25
-157.91%
-90.05
+54.99%
-200.05
Cash Flow From Continuing Investing Activities
-235.57
-11.71%
-210.87
-134.17%
-90.05
+54.99%
-200.05
Cash From Discontinued Investing Activities
0.00
+100.00%
-21.38
0.00
0.00
Net PPE Purchase And Sale
-26.05
+10.87%
-29.23
+13.77%
-33.90
-31.36%
-25.80
Purchase Of PPE
-26.05
+10.87%
-29.23
+13.77%
-33.90
-31.36%
-25.80
Capital Expenditure
-26.05
+10.87%
-29.23
+13.77%
-33.90
-31.36%
-25.80
Net Investment Purchase And Sale
-209.52
+9.55%
-231.64
-312.51%
-56.15
+68.47%
-178.11
Purchase Of Investment
-690.41
-3.92%
-664.39
-53.63%
-432.46
+36.22%
-678.09
Sale Of Investment
480.90
+11.13%
432.75
+15.00%
376.31
-24.74%
499.98
Net Business Purchase And Sale
—
0.00
0.00
-100.00%
3.87
Purchase Of Business
—
0.00
0.00
—
Net Other Investing Changes
—
50.00
—
—
Financing Cash Flow
-599.64
-8.80%
-551.14
-14.91%
-479.62
-4.76%
-457.85
Cash Flow From Continuing Financing Activities
-599.64
-8.80%
-551.14
-14.91%
-479.62
-4.76%
-457.85
Net Issuance Payments Of Debt
-0.26
-2.34%
-0.26
+3.40%
-0.27
+97.90%
-12.63
Issuance Of Debt
—
—
0.00
0.00
Repayment Of Debt
-0.26
-2.34%
-0.26
+3.40%
-0.27
+97.90%
-12.63
Long Term Debt Issuance
—
—
0.00
0.00
Long Term Debt Payments
-0.26
-2.34%
-0.26
+3.40%
-0.27
+97.90%
-12.63
Net Long Term Debt Issuance
-0.26
-2.34%
-0.26
+3.40%
-0.27
+97.90%
-12.63
Short Term Debt Issuance
—
—
0.00
0.00
Short Term Debt Payments
—
—
0.00
0.00
Net Short Term Debt Issuance
—
—
0.00
0.00
Net Common Stock Issuance
-450.03
-5.88%
-425.04
-13.32%
-375.06
-5.26%
-356.31
Common Stock Payments
-450.03
-5.88%
-425.04
-13.32%
-375.06
-5.26%
-356.31
Common Stock Dividend Paid
-136.05
-20.60%
-112.81
-20.38%
-93.72
-11.85%
-83.78
Cash Dividends Paid
-136.05
-20.60%
-112.81
-20.38%
-93.72
-11.85%
-83.78
Repurchase Of Capital Stock
-450.03
-5.88%
-425.04
-13.32%
-375.06
-5.26%
-356.31
Net Other Financing Charges
-13.29
-1.95%
-13.04
-23.23%
-10.58
-106.02%
-5.13
Changes In Cash
65.97
-16.17%
78.70
-35.94%
122.84
+23.13%
99.77
Effect Of Exchange Rate Changes
2.43
+160.46%
-4.02
-478.55%
1.06
+135.11%
-3.03
Beginning Cash Position
687.82
+12.18%
613.15
+25.33%
489.24
+24.65%
392.50
End Cash Position
756.23
+9.95%
687.82
+12.18%
613.15
+25.33%
489.24
Free Cash Flow
875.13
+5.07%
832.86
+26.46%
658.62
-10.01%
731.86
Interest Paid Supplemental Data
23.11
-4.59%
24.22
-11.20%
27.28
+0.81%
27.06
Income Tax Paid Supplemental Data
236.07
+68.32%
140.25
-38.29%
227.27
+27.52%
178.22
Amortization Of Securities
-215.49
+14.78%
-252.84
-4.83%
-241.19
+0.21%
-241.71
Sale Of Business
—
—
—
3.87
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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