Insurance - Life
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PRI vs CRBG
Revenue, margins, valuation, and 5-year total return — side by side.
Asset Management
PRI vs CRBG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Life | Asset Management |
| Market Cap | $8.65B | $12.54B |
| Revenue (TTM) | $3.33B | $2.89B |
| Net Income (TTM) | $772M | $245M |
| Gross Margin | 62.0% | 80.9% |
| Operating Margin | 30.1% | -18.7% |
| Forward P/E | 11.4x | 5.6x |
| Total Debt | $1.82B | $10.91B |
| Cash & Equiv. | $756M | $447M |
PRI vs CRBG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Sep 22 | May 26 | Return |
|---|---|---|---|
| Primerica, Inc. (PRI) | 100 | 221.2 | +121.2% |
| Corebridge Financia… (CRBG) | 100 | 139.4 | +39.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PRI vs CRBG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
PRI carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 15 yrs, beta 0.64, yield 1.5%
- 482.1% 10Y total return vs CRBG's 57.9%
- Lower volatility, beta 0.64, Low D/E 74.4%, current ratio 6.59x
CRBG is the clearest fit if your priority is growth exposure.
- Rev growth 7.9%, EPS growth -118.3%
- 7.9% NII/revenue growth vs PRI's 4.4%
- Lower P/E (5.6x vs 11.4x)
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 7.9% NII/revenue growth vs PRI's 4.4% | |
| Value | Lower P/E (5.6x vs 11.4x) | |
| Quality / Margins | 23.2% margin vs CRBG's -12.7% | |
| Stability / Safety | Beta 0.64 vs CRBG's 1.47, lower leverage | |
| Dividends | 1.5% yield, 15-year raise streak, vs CRBG's 3.5% | |
| Momentum (1Y) | +4.0% vs CRBG's -9.4% | |
| Efficiency (ROA) | 5.2% ROA vs CRBG's 0.1%, ROIC 20.8% vs -1.6% |
PRI vs CRBG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
PRI vs CRBG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
CRBG leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PRI and CRBG operate at a comparable scale, with $3.3B and $2.9B in trailing revenue. PRI is the more profitable business, keeping 23.2% of every revenue dollar as net income compared to CRBG's -12.7%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $3.3B | $2.9B |
| EBITDAEarnings before interest/tax | $1.0B | $1.0B |
| Net IncomeAfter-tax profit | $772M | $245M |
| Free Cash FlowCash after capex | $857M | $1.6B |
| Gross MarginGross profit ÷ Revenue | +62.0% | +80.9% |
| Operating MarginEBIT ÷ Revenue | +30.1% | -18.7% |
| Net MarginNet income ÷ Revenue | +23.2% | -12.7% |
| FCF MarginFCF ÷ Revenue | +25.7% | +70.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.5% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +18.2% | +90.8% |
Valuation Metrics
CRBG leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
On an enterprise value basis, PRI's 9.8x EV/EBITDA is more attractive than CRBG's 1533.1x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $8.6B | $12.5B |
| Enterprise ValueMkt cap + debt − cash | $9.7B | $23.0B |
| Trailing P/EPrice ÷ TTM EPS | 11.92x | -40.37x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.42x | 5.59x |
| PEG RatioP/E ÷ EPS growth rate | 0.62x | — |
| EV / EBITDAEnterprise value multiple | 9.77x | 1533.08x |
| Price / SalesMarket cap ÷ Revenue | 2.68x | 4.34x |
| Price / BookPrice ÷ Book value/share | 3.65x | 1.06x |
| Price / FCFMarket cap ÷ FCF | 9.82x | 6.20x |
Profitability & Efficiency
PRI leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
PRI delivers a 32.3% return on equity — every $100 of shareholder capital generates $32 in annual profit, vs $2 for CRBG. PRI carries lower financial leverage with a 0.74x debt-to-equity ratio, signaling a more conservative balance sheet compared to CRBG's 0.78x. On the Piotroski fundamental quality scale (0–9), PRI scores 8/9 vs CRBG's 6/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +32.3% | +1.8% |
| ROA (TTM)Return on assets | +5.2% | +0.1% |
| ROICReturn on invested capital | +20.8% | -1.6% |
| ROCEReturn on capital employed | +6.9% | -0.1% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 6 |
| Debt / EquityFinancial leverage | 0.74x | 0.78x |
| Net DebtTotal debt minus cash | $1.1B | $10.5B |
| Cash & Equiv.Liquid assets | $756M | $447M |
| Total DebtShort + long-term debt | $1.8B | $10.9B |
| Interest CoverageEBIT ÷ Interest expense | 19.40x | 1.79x |
Total Returns (Dividends Reinvested)
PRI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PRI five years ago would be worth $17,573 today (with dividends reinvested), compared to $15,794 for CRBG. Over the past 12 months, PRI leads with a +4.0% total return vs CRBG's -9.4%. The 3-year compound annual growth rate (CAGR) favors CRBG at 24.2% vs PRI's 15.9% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +6.0% | -8.8% |
| 1-Year ReturnPast 12 months | +4.0% | -9.4% |
| 3-Year ReturnCumulative with dividends | +55.7% | +91.6% |
| 5-Year ReturnCumulative with dividends | +75.7% | +57.9% |
| 10-Year ReturnCumulative with dividends | +482.1% | +57.9% |
| CAGR (3Y)Annualised 3-year return | +15.9% | +24.2% |
Risk & Volatility
PRI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PRI is the less volatile stock with a 0.64 beta — it tends to amplify market swings less than CRBG's 1.47 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PRI currently trades 94.8% from its 52-week high vs CRBG's 75.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.64x | 1.47x |
| 52-Week HighHighest price in past year | $288.03 | $36.57 |
| 52-Week LowLowest price in past year | $230.09 | $22.19 |
| % of 52W HighCurrent price vs 52-week peak | +94.8% | +75.1% |
| RSI (14)Momentum oscillator 0–100 | 57.9 | 63.5 |
| Avg Volume (50D)Average daily shares traded | 186K | 5.5M |
Analyst Outlook
Evenly matched — PRI and CRBG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates PRI as "Hold" and CRBG as "Buy". Consensus price targets imply 23.2% upside for CRBG (target: $34) vs 6.9% for PRI (target: $292). For income investors, CRBG offers the higher dividend yield at 3.45% vs PRI's 1.52%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $292.00 | $33.83 |
| # AnalystsCovering analysts | 18 | 18 |
| Dividend YieldAnnual dividend ÷ price | +1.5% | +3.5% |
| Dividend StreakConsecutive years of raises | 15 | 1 |
| Dividend / ShareAnnual DPS | $4.16 | $0.95 |
| Buyback YieldShare repurchases ÷ mkt cap | +5.2% | +16.9% |
PRI leads in 3 of 6 categories (Profitability & Efficiency, Total Returns). CRBG leads in 2 (Income & Cash Flow, Valuation Metrics). 1 tied.
PRI vs CRBG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PRI or CRBG a better buy right now?
For growth investors, Corebridge Financial, Inc.
(CRBG) is the stronger pick with 7. 9% revenue growth year-over-year, versus 4. 4% for Primerica, Inc. (PRI). Primerica, Inc. (PRI) offers the better valuation at 11. 9x trailing P/E (11. 4x forward), making it the more compelling value choice. Analysts rate Corebridge Financial, Inc. (CRBG) a "Buy" — based on 18 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PRI or CRBG?
On forward P/E, Corebridge Financial, Inc.
is actually cheaper at 5. 6x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — PRI or CRBG?
Over the past 5 years, Primerica, Inc.
(PRI) delivered a total return of +75. 7%, compared to +57. 9% for Corebridge Financial, Inc. (CRBG). Over 10 years, the gap is even starker: PRI returned +482. 1% versus CRBG's +57. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PRI or CRBG?
By beta (market sensitivity over 5 years), Primerica, Inc.
(PRI) is the lower-risk stock at 0. 64β versus Corebridge Financial, Inc. 's 1. 47β — meaning CRBG is approximately 130% more volatile than PRI relative to the S&P 500. On balance sheet safety, Primerica, Inc. (PRI) carries a lower debt/equity ratio of 74% versus 78% for Corebridge Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PRI or CRBG?
By revenue growth (latest reported year), Corebridge Financial, Inc.
(CRBG) is pulling ahead at 7. 9% versus 4. 4% for Primerica, Inc. (PRI). On earnings-per-share growth, the picture is similar: Primerica, Inc. grew EPS 67. 1% year-over-year, compared to -118. 3% for Corebridge Financial, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PRI or CRBG?
Primerica, Inc.
(PRI) is the more profitable company, earning 23. 3% net margin versus -12. 7% for Corebridge Financial, Inc. — meaning it keeps 23. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRI leads at 30. 2% versus -18. 7% for CRBG. At the gross margin level — before operating expenses — CRBG leads at 80. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PRI or CRBG more undervalued right now?
On forward earnings alone, Corebridge Financial, Inc.
(CRBG) trades at 5. 6x forward P/E versus 11. 4x for Primerica, Inc. — 5. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CRBG: 23. 2% to $33. 83.
08Which pays a better dividend — PRI or CRBG?
All stocks in this comparison pay dividends.
Corebridge Financial, Inc. (CRBG) offers the highest yield at 3. 5%, versus 1. 5% for Primerica, Inc. (PRI).
09Is PRI or CRBG better for a retirement portfolio?
For long-horizon retirement investors, Primerica, Inc.
(PRI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 64), 1. 5% yield, +482. 1% 10Y return). Both have compounded well over 10 years (PRI: +482. 1%, CRBG: +57. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PRI and CRBG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: PRI is a small-cap deep-value stock; CRBG is a mid-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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