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PRI stock logo

PRI

Primerica, Inc.

$253.85
-0.02
 (-0.01%)
Exchange:  NYSE
Market Cap:  8.037B
Shares Outstanding:  75M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Life
   
CEO:  Glenn Jackson Williams
Full Time Employees:  2289
Address: 
1 Primerica Parkway
Duluth
GA
30099
US
Website:  https://www.primerica.com
Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings Products; Senior Health; 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. The Senior Health segment offers segregated funds; and medicare advantage and supplement products. 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 health, accidental death, and disability for small businesses. It distributes and sells its products through a network of 129,515 licensed sales representatives. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/08 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue2,748,5073,089,1433,226,103
Gross Profit1,102,9701,307,8882,597,565
EBITDA830,296987,6821,017,775
Operating Income771,738939,247974,564
Net Income576,601470,518751,234

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets15,027,73214,582,02215,012,336
Total Liabilities12,961,76512,322,98112,566,434
Total Stockholders Equity2,065,9672,259,0412,445,902
Total Debt2,041,6591,953,5461,869,564
Cash and Cash Equivalents613,148687,821756,227

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow692,517862,0880
Capital Expenditure-33,89700
Free Cash Flow658,620862,0880
Net Income576,601470,518751,234
Net Change in Cash123,90874,673-687,821

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)4,066,293.408Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)4,181,091.762Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)4,127,716.200Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)1,212,272.272Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)1,246,496.773Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)1,230,584.071Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,014,233.308Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,051,626.092Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,034,240.331Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)239,580.223Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)246,343.979Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)243,199.167Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)31.650Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)32.180Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)31.040Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
3.152B  ?P/S
 (TTM)
: 
2.64
?Net Income
 (TTM)
: 
466.776M  ?P/E
 (TTM)
: 
11.62
?Enterprise Value
 (TTM)
: 
9.703B  ?EV/FCF
 (TTM)
: 
10.92
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.18
?ROE
 (TTM)
: 
0.32  ?ROIC
 (TTM)
: 
0.22
?Net Debt
 (TTM)
: 
1.267B  ?Debt/Equity
 (TTM)
: 
0.74
?P/B
 (TTM)
: 
3.57  ?Current Ratio
 (TTM)
: 
5.41

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.64Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PRI intrinsic value between $354.76 – $370.92 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate PRI Intrinsic Value

Common questions about PRI valuation

Is Primerica, Inc. (PRI) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Primerica, Inc. (PRI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PRI a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PRI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PRI’s P/E ratio?

You can see PRI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PRI?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PRI a good long-term investment?

Whether PRI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PRI

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.01
MARKETSnap

Trading Metrics:

Open: 252.17   Previous Close: 253.87
Day Low: 250.74   Day High: 255.97
Year Low: 230.09   Year High: 288.03
Price Avg 50: 256.36   Price Avg 200: 262.51
Volume: 172614   Average Volume: 220359

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See in Nexus

Relevant news

Primerica Schedules First Quarter 2026 Financial Results Webcast
15-04-2026 16:15
Primerica Schedules First Quarter 2026 Financial Results Webcast
National Survey: Middle-Income Americans Reprioritizing Spending as Cost Pressures Persist
09-04-2026 00:00
National Survey: Middle-Income Americans Reprioritizing Spending as Cost Pressures Persist
Primerica (PRI) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
11-02-2026 20:30
Primerica (PRI) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Will Primerica (PRI) Beat Estimates Again in Its Next Earnings Report?
30-01-2026 13:10
Will Primerica (PRI) Beat Estimates Again in Its Next Earnings Report?
Primerica Canada Celebrates 40 Years of Supporting Families with Financial Services
23-01-2026 09:00
Primerica Canada Celebrates 40 Years of Supporting Families with Financial Services
Primerica Schedules Fourth Quarter 2025 Financial Results Webcast
21-01-2026 16:15
Primerica Schedules Fourth Quarter 2025 Financial Results Webcast

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