Stock Analysis
PRIMERICA, INC.PRI
P/E 10.93×· 5Y range 10.29–28.14×· bottom 2% of history
Sector: Financial Services · Industry: Life Insurance
AnalystsHold13 analystsP/E 10.9× sits at the 2nd percentile of its 5.0513347022587265-year history.
Cash covers 33% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Profitability95
- Growth63
Risks
- Financial Health48
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓ROE 31.6% — efficient capital deployment
- ✓Interest coverage 40.4× — debt well covered
- ✓P/E 10.9× at bottom 2% of 5-year history
What's happening with PRI
Profile
Strong profitability and valuation; moat and financial health lag behind.
How is each axis scored?
- Valuation80/100 · Strong
- P/E vs own history (2th pct)25/25
- FCF yield (n/a)10/25
- P/S (2.5x)20/25
- EV/EBIT (9.3x)25/25
- Growth63/100 · Moderate
- Revenue CAGR (5.0%)6/25
- Net income CAGR (19.1%)20/25
- EPS CAGR 5Y (25.0%)25/25
- Fwd implied growth (5.0%)12/25
- Profitability95/100 · Strong
- ROIC (22.6%)20/25
- ROE (31.6%)25/25
- Net margin (23.2%)25/25
- Operating margin (31.0%)25/25
- Financial Health48/100 · Weak
- Altman Z (0.47)3/25
- Current ratio (0.04)0/25
- Interest coverage (40.4x)25/25
- Net cash / debt (D/A 8%)20/25
- Quality62/100 · Moderate
- Piotroski F (7/9)22/25
- Beneish M (-2.43)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 5.2%)20/25
- Moat45/100 · Weak
- ROIC >12% years (8/10 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 13.7%)25/25
Risk Flags
- ⚠Altman Z 0.5 — distress-zone balance sheet
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
80AP/E (TTM)10.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 10.3x–28.1x · 2nd pct
P/FCF10.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield9.7%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)2.54xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.6x–3.9x · 36th pct
EV/EBIT9.3xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 9.0x–10.6x · 20th pct
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 Ratio3.45xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.48A
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 Yield1.65%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio17.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
95A+ROIC22.6%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE31.6%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 Margin23.2%A
Grade A: HighNet Income / Revenue
Operating Margin31.0%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
Growth
63BRevenue CAGR5.0%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR19.1%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)25.0%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 Growth5.0%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-22.3%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
Financial Health
48D+Altman Z-Score0.47D
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 Coverage40.4xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT1.1xA
Grade A: LowLeverage. <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 / Debt0.33xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
62BPiotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.43A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability5.2%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.23xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Williams Glenn J. Filed | Williams Glenn J. | Gift | -5475 | |
Yastine Barbara A. Filed | Yastine Barbara A. | Grant / award | +56 | |
Williams Donald R. Filed | Williams Donald R. | Grant / award | +41 | |
Cottle Amber Lynne Filed | Cottle Amber Lynne | Grant / award | +12 | |
Babbit Joel M. Filed | Babbit Joel M. | Grant / award | +34 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
DAY CYNTHIA N Filed | DAY CYNTHIA N | Grant / award | +84 | |
Schneider Peter W. Filed | Schneider Peter W. | SellOpen market sale | -1800 | |
Cottle Amber Lynne Filed | Cottle Amber Lynne | SellOpen market sale | -279 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
45D+ROIC >12% Years8/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor13.7%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$25.87
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$13.26
Cash & short-term investments per share (Finnhub)
Book Value / Share$81.65
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$1.80B
Total debt obligations (short + long term)
Cash & Equiv.$600.18M
Cash and short-term investments
Net Debt$1.20B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$2.52B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$8.70B
Current Market Capitalization
Beta0.85B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: PRIMERICA, INC. (PRI)
PRI is up 0.53% at the last close. PRIMERICA, INC. meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 0.47 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.43 suggests a low likelihood of earnings manipulation.
- At a valuation score of 80/100, PRI trades near the cheapest end of its own historical range (P/E 10.9).
- Return on equity of 31.6% 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
What is the current PRIMERICA, INC. (PRI) stock price?
PRI is trading at $282.64 at the last market close, up 0.53% on the session. PreMarketPrice tracks PRI pre-market, intraday and after-hours prices.
Is PRI stock a buy right now?
PreMarketPrice's quantitative model rates PRIMERICA, INC.'s financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is PRI stock overvalued?
PRIMERICA, INC. trades at a trailing P/E of 10.9 and our valuation score rates it 80/100 (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. As of the latest update, PRIMERICA, INC. is trading at $282.64, up 0.53% on the day with a market capitalization of $8.7 billion. The financial health score for PRI is 48/100, 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 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PRI.
- Sector peers: Compare PRI against 6 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 48/100 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.