8-K Announcements
6May 6, 2026·SEC
Feb 23, 2026·SEC
Feb 11, 2026·SEC
Primerica, Inc. (PRI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Primerica, Inc. (PRI) stock price & volume — 10-year historical chart
Primerica, Inc. (PRI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Primerica, Inc. (PRI) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 11, 2026 | $6.13vs $5.69+7.7% | $854Mvs $845M+1.0% |
| Q4 2025 | Nov 5, 2025 | $6.33vs $5.52+14.7% | $840Mvs $840M+0.0% |
| Q3 2025 | Aug 6, 2025 | $5.46vs $5.18+5.4% | $793Mvs $804M-1.3% |
| Q2 2025 | May 7, 2025 | $5.02vs $4.78+5.0% | $805Mvs $784M+2.6% |
Primerica, Inc. (PRI) competitors in Individual life and final expense insurers — business model, growth, and fundamentals comparison
Primerica, Inc. (PRI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Primerica, Inc. (PRI) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.69B | 1.9B | 2.05B | 2.22B | 2.71B | 2.66B | 2.75B | 3.09B | 3.23B |
| Revenue Growth % | 11.19% | 12.48% | 8.04% | 8.04% | 22.2% | -1.93% | 3.43% | 12.39% | 4.43% |
| Medical Costs & Claims | 189.3M | 229.61M | 1.31B | 1.44B | 1.65B | 1.62B | 1.65B | 1.78B | 628.54M |
| Medical Cost Ratio % | 11.21% | 12.09% | 63.8% | 64.79% | 61.03% | 61.11% | 59.87% | 57.66% | 19.48% |
| Gross Profit | 1.5B▲ 0% | 1.67B▲ 11.4% | 743.07M▼ 55.5% | 780.76M▲ 5.1% | 1.06B▲ 35.2% | 1.03B▼ 2.1% | 1.1B▲ 6.7% | 1.31B▲ 18.6% | 2.6B▲ 98.6% |
| Gross Margin % | 88.79% | 87.91% | 36.2% | 35.21% | 38.97% | 38.89% | 40.13% | 42.34% | 80.52% |
| Gross Profit Growth % | 12.14% | 11.36% | -55.51% | 5.07% | 35.24% | -2.14% | 6.74% | 18.58% | 98.61% |
| Operating Expenses | -1.09B | -1.45B | 265.95M | 274.03M | 412.4M | 314.71M | 331.23M | 368.64M | 1.62B |
| OpEx / Revenue % | -64.64% | -76.58% | 12.96% | 12.36% | 15.22% | 11.84% | 12.05% | 11.93% | 50.31% |
| Depreciation & Amortization | 13.55M | 12.42M | 18.3M | 17.7M | 29.84M | 34.17M | 31.96M | 23.4M | 19.25M |
| Combined Ratio % | -53.43% | -64.5% | 76.75% | 77.15% | 76.25% | 72.96% | 71.92% | 69.6% | 69.79% |
| Operating Income | 408.01M▲ 0% | 444.89M▲ 9.0% | 477.11M▲ 7.2% | 506.73M▲ 6.2% | 643.53M▲ 27.0% | 718.66M▲ 11.7% | 771.74M▲ 7.4% | 939.25M▲ 21.7% | 974.56M▲ 3.8% |
| Operating Margin % | 24.16% | 23.42% | 23.25% | 22.85% | 23.75% | 27.04% | 28.08% | 30.4% | 30.21% |
| Operating Income Growth % | 85.95% | 9.04% | 7.24% | 6.21% | 27% | 11.67% | 7.39% | 21.71% | 3.76% |
| EBITDA | 421.56M | 457.31M | 495.41M | 524.43M | 673.37M | 752.83M | 803.7M | 962.65M | 993.82M |
| EBITDA Margin % | 24.96% | 24.07% | 24.14% | 23.65% | 24.85% | 28.33% | 29.24% | 31.16% | 30.81% |
| Interest Expense | 28.49M | 28.81M | 28.81M | 28.84M | 30.62M | 27.24M | 26.59M | 25.03M | 23.96M |
| Non-Operating Income | -408.01M | -444.89M | -28.81M | -28.84M | -30.62M | -27.24M | -26.59M | -25.03M | -23.96M |
| Pretax Income | 379.52M▲ 0% | 416.08M▲ 9.6% | 477.11M▲ 14.7% | 506.73M▲ 6.2% | 643.53M▲ 27.0% | 718.66M▲ 11.7% | 771.74M▲ 7.4% | 939.25M▲ 21.7% | 974.56M▲ 3.8% |
| Pretax Margin % | 22.47% | 21.9% | 23.25% | 22.85% | 23.75% | 27.04% | 28.08% | 30.4% | 30.21% |
| Income Tax | 29.27M | 91.99M | 110.72M | 120.57M | 167.54M | 163.94M | 180.56M | 219.12M | 223.33M |
| Effective Tax Rate % | 7.71% | 22.11% | 23.21% | 23.79% | 26.04% | 22.81% | 23.4% | 23.33% | 22.92% |
| Net Income | 350.25M▲ 0% | 324.09M▼ 7.5% | 366.39M▲ 13.1% | 386.16M▲ 5.4% | 477.36M▲ 23.6% | 472.07M▼ 1.1% | 576.6M▲ 22.1% | 470.52M▼ 18.4% | 751.23M▲ 59.7% |
| Net Margin % | 20.74% | 17.06% | 17.85% | 17.41% | 17.62% | 17.76% | 20.98% | 15.23% | 23.29% |
| Net Income Growth % | 59.63% | -7.47% | 13.05% | 5.4% | 23.62% | -1.11% | 22.14% | -18.4% | 59.66% |
| EPS (Diluted) | 7.61▲ 0% | 7.37▼ 3.2% | 8.62▲ 17.0% | 9.57▲ 11.0% | 9.42▼ 1.6% | 12.33▲ 30.9% | 15.94▲ 29.3% | 13.71▼ 14.0% | 22.91▲ 67.1% |
| EPS Growth % | 65.8% | -3.15% | 16.96% | 11.02% | -1.57% | 30.89% | 29.28% | -13.99% | 67.1% |
| EPS (Basic) | 7.63 | 7.39 | 8.65 | 9.60 | 9.44 | 12.37 | 15.97 | 13.73 | 22.95 |
| Diluted Shares Outstanding | 45.69M | 43.98M | 42.31M | 40.19M | 39.65M | 38.11M | 36.03M | 34.2M | 32.68M |
Primerica, Inc. (PRI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 12.46B | 12.6B | 13.69B | 14.91B | 16.12B | 14.64B | 15.03B | 14.58B | 15.01B |
| Asset Growth % | 8.93% | 1.08% | 8.68% | 8.89% | 8.17% | -9.19% | 2.64% | -2.97% | 2.95% |
| Total Investment Assets | 3.03B | 3.39B | 3.66B | 3.9B | 4.26B | 4.1B | 5.16B | 5.28B | 4.54B |
| Long-Term Investments | 737.15M | 970.39M | 3.63B | 3.87B | 4.23B | 4.05B | 4.15B | 4.28B | 3.31B |
| Short-Term Investments | 1.97B | 2.08B | 2.36B | 2.46B | 2.79B | 2.56B | 1B | 995.38M | 3.27B |
| Total Current Assets | 2.21B | 6.75B | 0 | 0 | 0 | 0 | 1.62B | 4.71B | 4.02B |
| Cash & Equivalents | 279.96M | 262.14M | 256.88M | 547.57M | 392.5M | 489.24M | 613.15M | 687.82M | 756.23M |
| Receivables | 0 | 0 | 4.4B | 4.59B | 4.76B | 3.66B | 3.29B | 3.03B | 275.17M |
| Other Current Assets | 0 | 775.43M | -7.01B | -7.6B | -7.94B | -6.72B | 1.81B | 0 | -275.17M |
| Goodwill & Intangibles | 51.51M | 48.11M | 45.27M | 45.27M | 374.98M | 313.23M | 302.73M | 45.27M | 45.27M |
| Goodwill | 0 | 0 | 0 | 0 | 179.15M | 127.71M | 127.71M | 0 | 0 |
| Intangible Assets | 51.51M | 48.11M | 45.27M | 45.27M | 195.82M | 185.53M | 175.03M | 45.27M | 45.27M |
| PP&E (Net) | 28.1M | 36M | 93.38M | 104.29M | 114.96M | 93.16M | 91.96M | 87.72M | 41.9M |
| Other Assets | -765.25M | 2.07B | -3.76B | -4.01B | -4.72B | -4.46B | 6.44B | 5.34B | -3.31B |
| Total Liabilities | 11.04B | 11.13B | 12.04B | 13.07B | 14.03B | 12.61B | 12.96B | 12.32B | 12.57B |
| Total Debt | 1.11B | 1.34B | 1.61B | 1.77B | 2.04B | 2.08B | 2.04B | 1.95B | 1.82B |
| Net Debt | 829.71M | 1.08B | 1.35B | 1.23B | 1.65B | 1.59B | 1.43B | 1.27B | 1.06B |
| Long-Term Debt | 1.11B | 1.34B | 1.56B | 1.72B | 1.97B | 2.04B | 1.98B | 1.9B | 1.77B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 15M | 0 | 5.67M | 7.23M | 7.69M |
| Total Current Liabilities | 24.9M | 313.86M | 0 | 0 | 0 | 0 | 22.67M | 488.35M | 743.71M |
| Accounts Payable | 0 | 313.86M | 339.95M | 519.71M | 585.38M | 538.25M | 513.8M | 488.35M | 495.36M |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -24.9M | -389.12M | -360.18M | -540.76M | -615.69M | -575.13M | -5.67M | -7.23M | 36.14M |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Liabilities | 9.75B | 9.63B | -1.8B | -1.98B | -2.25B | -2.25B | 10.81B | 9.82B | 8.16B |
| Total Equity | 1.42B▲ 0% | 1.46B▲ 3.0% | 1.65B▲ 13.1% | 1.84B▲ 11.1% | 2.09B▲ 13.8% | 2.03B▼ 2.8% | 2.07B▲ 1.7% | 2.26B▲ 9.3% | 2.45B▲ 8.3% |
| Equity Growth % | 16.19% | 2.99% | 13.07% | 11.1% | 13.83% | -2.8% | 1.71% | 9.35% | 8.27% |
| Shareholders Equity | 1.42B | 1.46B | 1.65B | 1.84B | 2.08B | 2.03B | 2.07B | 2.26B | 2.45B |
| Minority Interest | 0 | 0 | 0 | 0 | 7.27M | 0 | 0 | 0 | 0 |
| Retained Earnings | 1.38B | 1.49B | 1.59B | 1.71B | 2B | 2.15B | 2.28B | 2.23B | 2.42B |
| Common Stock | 443K | 427K | 412K | 393K | 394K | 368K | 350K | 334K | 318K |
| Accumulated OCI | 43.57M | -28.43M | 58.8M | 129.71M | 72.39M | -122.73M | -211.33M | 27.22M | 29.43M |
| Return on Equity (ROE) | 26.53% | 22.5% | 23.53% | 22.14% | 24.32% | 22.91% | 28.15% | 21.76% | 31.93% |
| Return on Assets (ROA) | 2.93% | 2.59% | 2.79% | 2.7% | 3.08% | 3.07% | 3.89% | 3.18% | 5.08% |
| Equity / Assets | 11.39% | 11.6% | 12.07% | 12.32% | 12.96% | 13.87% | 13.75% | 15.49% | 16.29% |
| Debt / Equity | 0.78x | 0.92x | 0.98x | 0.97x | 0.98x | 1.03x | 0.99x | 0.86x | 0.74x |
| Book Value per Share | 31.06 | 33.23 | 39.05 | 45.69 | 52.70 | 53.31 | 57.34 | 66.06 | 74.84 |
| Tangible BV per Share | 29.93 | 32.13 | 37.98 | 44.56 | 43.25 | 45.09 | 48.94 | 64.73 | 73.46 |
Primerica, Inc. (PRI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 388.52M | 478.07M | 485.51M | 643.42M | 656.96M | 757.66M | 692.52M | 862.09M | 906.81M |
| Operating CF Growth % | 32.98% | 23.05% | 1.56% | 32.52% | 2.1% | 15.33% | -8.6% | 24.49% | 5.19% |
| Operating CF / Revenue % | 23% | 25.16% | 23.65% | 29.01% | 24.24% | 28.51% | 25.2% | 27.91% | 28.11% |
| Net Income | 350.25M | 324.09M | 366.39M | 386.16M | 475.99M | 467.03M | 576.6M | 470.52M | 748.79M |
| Depreciation & Amortization | 13.55M | 12.42M | 18.3M | 17.7M | 29.84M | 34.17M | 31.96M | 23.4M | 19.25M |
| Stock-Based Compensation | 15.27M | 17.25M | 17.53M | 19.03M | 16.84M | 22.36M | 18.91M | 25.07M | 0 |
| Deferred Taxes | -53.79M | 2.59M | -841K | 266K | 2.76M | -52.8M | -43.38M | -110.6M | 0 |
| Other Non-Cash Items | -215.15M | -201.24M | -204.84M | -255.87M | -238.57M | -157.42M | -249.84M | 59.62M | -221.09M |
| Working Capital Changes | 281.41M | 322.96M | 288.97M | 476.13M | 370.1M | 444.32M | 358.26M | 394.07M | 359.85M |
| Cash from Investing | -128.28M | -232.8M | -201.88M | -53.53M | -923.38M | -200.05M | -90.05M | -232.25M | -235.57M |
| Capital Expenditures | -6.75M | -13.52M | -25.44M | -27.62M | -24.69M | -25.8M | -33.9M | -29.23M | -26.05M |
| Acquisitions | 0 | 0 | 0 | 0 | -494.46M | 3.87M | 0 | 0 | 0 |
| Purchase of Investments | -427.09M | -635.52M | -634M | -525.39M | -1.08B | -678.09M | -432.46M | -664.39M | -690.41M |
| Sale/Maturity of Investments | 305.56M | 416.23M | 457.56M | 499.49M | 676.87M | 499.98M | 376.31M | 432.75M | 482.05M |
| Other Investing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 28.62M | -1.16M |
| Cash from Financing | -193.46M | -261M | -290.13M | -301.79M | 107.97M | -457.85M | -479.62M | -551.14M | -595.73M |
| Dividends Paid | -35.82M | -44.14M | -57.63M | -64.35M | -74.64M | -83.78M | -93.72M | -112.81M | -136.05M |
| Share Repurchases | -150.04M | -210.15M | -225.04M | -231.43M | -18.75M | -356.31M | -375.06M | -428.43M | -450.03M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | -281K | -274K | 1000K | -1000K | -265K | -256K | -262K |
| Other Financing | -7.6M | -6.71M | -7.19M | -5.74M | -11.98M | -5.13M | -10.58M | -9.65M | -9.38M |
| Net Change in Cash | 67.99M▲ 0% | -17.82M▼ 126.2% | -5.26M▲ 70.5% | 290.69M▲ 5624.4% | -155.07M▼ 153.3% | 96.74M▲ 162.4% | 123.91M▲ 28.1% | 74.67M▼ 39.7% | 68.41M▼ 8.4% |
| Exchange Rate Effect | 1.2M | -2.09M | 1.24M | 2.6M | 3.38M | -3.03M | 1.06M | -4.02M | -7.11M |
| Cash at Beginning | 211.98M | 279.96M | 262.14M | 256.88M | 547.57M | 392.5M | 489.24M | 613.15M | 687.82M |
| Cash at End | 279.96M | 262.14M | 256.88M | 547.57M | 392.5M | 489.24M | 613.15M | 687.82M | 756.23M |
| Free Cash Flow | 381.77M▲ 0% | 464.55M▲ 21.7% | 460.08M▼ 1.0% | 615.79M▲ 33.8% | 632.27M▲ 2.7% | 731.86M▲ 15.8% | 658.62M▼ 10.0% | 832.86M▲ 26.5% | 880.76M▲ 5.8% |
| FCF Growth % | 37.08% | 21.68% | -0.96% | 33.85% | 2.68% | 15.75% | -10.01% | 26.46% | 5.75% |
| FCF Margin % | 22.6% | 24.45% | 22.42% | 27.77% | 23.33% | 27.54% | 23.96% | 26.96% | 27.3% |
| FCF per Share | 8.36 | 10.56 | 10.87 | 15.32 | 15.95 | 19.21 | 18.28 | 24.35 | 26.95 |
Primerica, Inc. (PRI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 85.56% | -53.43% | -64.5% | 76.75% | 77.15% | 76.25% | 72.96% | 71.92% | 69.6% | 69.79% |
| Medical Cost Ratio | 11.96% | 11.21% | 12.09% | 63.8% | 64.79% | 61.03% | 61.11% | 59.87% | 57.66% | 19.48% |
| Return on Equity (ROE) | 18.54% | 26.53% | 22.5% | 23.53% | 22.14% | 24.32% | 22.91% | 28.15% | 21.76% | 31.93% |
| Return on Assets (ROA) | 1.99% | 2.93% | 2.59% | 2.79% | 2.7% | 3.08% | 3.07% | 3.89% | 3.18% | 5.08% |
| Equity / Assets | 10.68% | 11.39% | 11.6% | 12.07% | 12.32% | 12.96% | 13.87% | 13.75% | 15.49% | 16.29% |
| Book Value / Share | 25.74 | 31.06 | 33.23 | 39.05 | 45.69 | 52.7 | 53.31 | 57.34 | 66.06 | 74.84 |
| Debt / Equity | 0.72x | 0.78x | 0.92x | 0.98x | 0.97x | 0.98x | 1.03x | 0.99x | 0.86x | 0.74x |
| Revenue Growth | 8.1% | 11.19% | 12.48% | 8.04% | 8.04% | 22.2% | -1.93% | 3.43% | 12.39% | 4.43% |
Primerica, Inc. (PRI) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 6, 2026·SEC
Feb 23, 2026·SEC
Feb 11, 2026·SEC
Primerica, Inc. (PRI) stock FAQ — growth, dividends, profitability & financials explained
Primerica, Inc. (PRI) grew revenue by 4.4% over the past year. Growth has been modest.
Yes, Primerica, Inc. (PRI) is profitable, generating $751.2M in net income for fiscal year 2025 (23.3% net margin).
Yes, Primerica, Inc. (PRI) pays a dividend with a yield of 1.50%. This makes it attractive for income-focused investors.
Primerica, Inc. (PRI) has a return on equity (ROE) of 31.9%. This is excellent, indicating efficient use of shareholder capital.
Primerica, Inc. (PRI) has a combined ratio of 69.8%. A ratio below 100% indicates underwriting profitability.
Primerica, Inc. (PRI) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates