PRIMERICA, INC. (PRI) Stock Analysis
Market Closed
Sector: Financial Services · Industry: Life Insurance
AnalystsHold13 analystsWhat's happening with PRI
Price History
5-Year Weekly Candlestick Chart
Profile
Strong profitability and growth.
How is each axis scored?
- Valuation65/100 · Moderate
- P/E vs own history (3th pct)25/25
- FCF yield (n/a)10/25
- P/S (2.5x)20/25
- EV/EBIT (n/a)10/25
- Growth77/100 · Strong
- Revenue CAGR (10.4%)20/25
- Net income CAGR (18.1%)20/25
- EPS CAGR 5Y (24.4%)25/25
- Fwd implied growth (8.4%)12/25
- Profitability100/100 · Strong
- ROIC (42.3%)25/25
- ROE (30.6%)25/25
- Net margin (23.0%)25/25
- Operating margin (29.8%)25/25
- Financial Health53/100 · Moderate
- Altman Z (0.78)3/25
- Current ratio (0.04)0/25
- Interest coverage (41.7x)25/25
- Net cash / debt (Net cash)25/25
- Quality60/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.46)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 4.4%)25/25
About PRIMERICA, INC.
Primerica Inc is a provider of financial services to middle-income households in the United States and Canada. Show more
The company offers life insurance, mutual funds, annuities, and other financial products, distributed on behalf of third parties. Primerica has three main subsidiaries: Primerica Financial Services, a marketing company; Primerica Life Insurance Company, a principal life insurance underwriting entity; and PFS Investments, which offers investment and savings products, brokerage services, and registered investment advisory. It has three segments Term Life Insurance; Investment and Savings Products; and Corporate and Other Distributed Products. Geogriphically, it derives a majority of its revenue from the United States.
Headquarters: DULUTH, GA · Employees: 2,833 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- SellGift · filed 2026-09-16-5475 sh2026-09-14
- BuyGrant / award · filed 2026-09-14+56 sh2026-09-14
- BuyGrant / award · filed 2026-09-14+41 sh2026-09-14
- BuyGrant / award · filed 2026-09-14+12 sh2026-09-14
- BuyGrant / award · filed 2026-09-14+34 sh2026-09-14
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
65BP/E (TTM)11.3xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 10.3x–28.1x · 3rd pct
P/FCF10.1xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield9.9%A
Grade A: ValueTTM FCF / Market Cap
P/S (TTM)2.52xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.6x–3.9x · 33rd pct
EV/EBITDA9.0xA
Grade A: CheapEnterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales2.8xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio3.35xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.47A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.68%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio18.1%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
100A+ROIC42.3%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE30.6%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA5.4%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin23.0%A
Grade A: HighNet Income / Revenue
Operating Margin29.8%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
53CAltman Z-Score0.78D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.04xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.04xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage41.7xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.72xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Growth
77B+Revenue CAGR10.4%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR18.1%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)24.4%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth8.4%B
Grade B: LowImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)-19.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income3.1%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.7%A
Grade A: LowTTM stock-based comp / TTM Revenue
Quality
60BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.46A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability4.4%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.22xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$24.34
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$13.29
Cash & short-term investments per share (Finnhub)
Book Value / Share$76.89
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$645.81M
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$2.52B
Shareholders' equity (book value)
Asset / Liability1.21xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$8.45B
Current Market Capitalization
Beta0.87B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Current P/E of 11.3x sits at the 3rd percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 25, 2026
Key Insights: PRIMERICA, INC. (PRI)
Piotroski F-Score of 6/9 indicates mixed fundamentals for PRIMERICA, INC.. Altman Z-Score of 0.78 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.46 suggests a low likelihood of earnings manipulation.
- Return on equity of 30.6% is well above the market average.
See how PRI ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all PRI moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 22 | After-hours | 275.65 | -3.45% | -2.72 |
Frequently Asked Questions about PRI
Is PRI stock a buy right now?
PreMarketPrice's quantitative model rates PRIMERICA, INC.'s financial health at 53/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is PRI stock overvalued?
PRIMERICA, INC. trades at a trailing P/E of 11.3 and our valuation score rates it 65/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does PRIMERICA, INC. report earnings?
No confirmed earnings date is currently scheduled for PRI. The Earnings section lists recent reports and updates as dates are announced.
What sector does PRIMERICA, INC. operate in?
PRIMERICA, INC. operates in the Financial Services sector, within the Life Insurance industry. The Related Stocks section lists sector peers for comparison.
What does PRIMERICA, INC. do?
Primerica Inc is a provider of financial services to middle-income households in the United States and Canada.
About PRIMERICA, INC. (PRI) Stock
PRIMERICA, INC. (PRI) is a US-listed stock operating in the Financial Services sector, specifically the Life Insurance industry. Real-time pricing data for PRIMERICA, INC. is available on this page with a market capitalization of $8.4 billion. The financial health score for PRI is 53/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for PRI stock.
PRI Stock Analysis & Key Metrics
On PreMarketPrice, you can track PRIMERICA, INC. (PRI) across multiple dimensions:
- Pre-market price & movement: Real-time PRI stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for PRI with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for PRIMERICA, INC. across multiple reporting periods.
- Financial health score: A composite score of 53/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PRI.
- Sector peers: Compare PRI against 10 other financial services stocks on key financial metrics.
Is PRI a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate PRIMERICA, INC. (PRI) as an investment. The financial health score of 53/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.PRIMERICA, INC. (PRI) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.