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Primerica, Inc.
PRI: NYSELowest reading is at 53 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Glenn Jackson Williams
Market Cap
8.70 Billion USD
Sector
Financial Services
Website
https://www.primerica.comLast Update
15/10/2026, 01:00:13
Description
Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada.
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Strongest readings
- ✔Dividend growth averages 11.55% per year
- ✔Share count has been falling at 4.02% per year
- ✔Financial health is strong (health score 78 out of 100)
- ✔Price-to-earnings of 11.1 is below the market average of 19.6
- ✔Debt is low at 0.74 times equity
Weakest readings
- ✘The current price sits above estimated fair value (margin of safety -10.41%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 11.08x | 19.60x | |
| ✘ | Margin of safety (DCF) | -10.41% | 17.95% | |
| ✘ | Revenue growth (5y average) | 6.56% | 10.97% | |
| ✔ | Dividend yield (TTM) | 3.29% | 1.85% | |
| ✔ | Share count, per year | -4.02% | 0.00% | |
| ✘ | Return on capital employed | 6.65% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
62 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 11.08x | 19.60x | |
| ✔ | Free cashflow yield | 9.94% | 4.70% | |
| ✔ | Price / earnings growth | 0.17x | 1.50x | |
| Price / book | 3.36x | — | ||
| ✘ | Margin of safety | -10.41% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 246.63 USD is below the current price of 282.64 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 597 USD ✔
Current Price: 275.3 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
53 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 6.56% | 10.97% | |
| ✔ | Earnings growth | 25.31% | 14.48% | |
| ✘ | Cashflow growth | 5.07% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (8.57% against a five year average of 6.56%)
- ✘Earnings growth has slowed this year (22.48% against a five year average of 25.31%)
Health
78 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.74x | 0.80x | |
| ✔ | Debt / total capital | 0.43x | 1.00x | |
| Equity / assets | 16.29% | — | ||
| ✔ | Interest coverage | 41.68x | 2.50x | |
| Underwriting loss ratio | 37.33% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
69 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 3.29% | 1.85% | |
| ✘ | Dividend growth | -6.31% | 0.00% | |
| ✔ | Payout ratio (earnings) | 34.96% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 33.05% | 65.00% | |
| ✘ | Worst year, last 5 years | -7.46% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
74 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 30.71% | 15.00% | |
| ✘ | Return on capital employed | 6.65% | 10.00% | |
| Return on assets | 5.00% | — | ||
| Free cashflow return on capital | 5.83% | — | ||
| ✔ | Return on capital, 5y change | 1.43% | 0.00% | |
| ✔ | Share count, per year | -4.02% | 0.00% | |
| ✔ | Share count, recent | -5.68% | 0.00% | |
| ✔ | Realized buyback return | 10.21% | 0.00% | |
| ✘ | Goodwill erosion / equity | 2.10% | 2.00% | |
| Price volatility, 5 year | 25.72% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 62 out of 100
- ✘Return on equity of 30.71% is driven by debt rather than operations, because return on capital employed is only 6.65%
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
PRI
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Primerica, Inc.
Currency
USD
Beta
0.853
Vol Avg
185150
Ceo
Mr. Glenn Jackson Williams
Cik
0001475922
Cusip
Exchange
NYSE
Full Time Employees
2301
Industry
Insurance - Life
Sector
Financial Services
Ipo Date
Address
1 Primerica Parkway
City
Duluth
State
GA
Country
United States
Zip
30099
Phone
770 381 1000
Analysis Last Updated
15/10/2026, 01:00:13
Financial data compiled from SEC EDGAR filings and Yahoo Finance.