Last 48 quarters of trend data · Financial Services · Insurance - Life
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Primerica, Inc.'s quarterly P/E stands at 10.5x, down 25.5% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 25.5% YoY to 8.9x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.30 | 10.49 | 10.54 | 10.93 | 12.67 | 14.09 | 13.68 | 13.72 | 1889.62 | 16.09 | 11.96 | 11.47 | 12.45 |
| — | -25.5% | -23.0% | -20.4% | -99.3% | -12.5% | +14.4% | +19.7% | +15073.5% | +26.3% | +20.1% | -48.7% | +37.8% | |
| P/S Ratio | 2.74 | 2.32 | 2.47 | 2.68 | 2.84 | 2.95 | 2.94 | 2.90 | 2.57 | 3.00 | 2.49 | 2.49 | 2.61 |
| — | -21.3% | -16.2% | -7.6% | +10.4% | -1.8% | +18.1% | +16.5% | -1.4% | +30.7% | +30.3% | +44.8% | +51.3% | |
| P/B Ratio | 3.76 | 3.15 | 3.38 | 3.92 | 3.90 | 4.20 | 4.11 | 4.62 | 3.83 | 4.04 | 3.51 | 3.01 | 3.56 |
| — | -25.0% | -17.7% | -15.0% | +1.8% | +4.0% | +17.2% | +53.6% | +7.7% | +22.5% | +35.4% | +5.1% | +37.4% | |
| P/FCF | 10.04 | 12.67 | 6.35 | 10.47 | 14.16 | 12.57 | 8.66 | 11.63 | 12.03 | 10.91 | 8.20 | 12.74 | 13.45 |
| — | +0.8% | -26.6% | -10.0% | +17.7% | +15.2% | +5.5% | -8.7% | -10.6% | +15.7% | +27.6% | +72.9% | +90.9% | |
| EV / EBITDA | 9.97 | 8.89 | 9.27 | 9.29 | 10.73 | 11.94 | 11.83 | 10.05 | 8.49 | 12.81 | 10.62 | 10.00 | 11.00 |
| — | -25.5% | -21.7% | -7.6% | +26.4% | -6.8% | +11.5% | +0.4% | -22.8% | +13.5% | +9.1% | -17.4% | +20.4% | |
| EV / EBIT | 10.17 | 8.89 | 9.23 | 9.23 | 10.70 | 11.87 | 11.74 | 9.99 | 8.53 | 12.83 | 10.65 | 10.04 | 11.13 |
| — | -25.1% | -21.4% | -7.6% | +25.4% | -7.5% | +10.3% | -0.5% | -23.3% | +12.5% | +8.3% | -18.1% | +20.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Primerica, Inc.'s operating margin was 29.1% in Q1 2026, down 0.4 pp QoQ and up 1.6 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 30.1% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 99.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 80.5% | 80.9% | 80.8% | 43.5% | 41.6% | 40.5% | 39.4% | 44.5% | 45.4% | 39.9% | 39.7% | 40.7% | 40.5% |
| — | +99.9% | +104.9% | -2.3% | -8.4% | +1.4% | -0.7% | +9.3% | +12.2% | +4.6% | +7.0% | +4.7% | +8.6% | |
| Operating Margin | 30.2% | 29.1% | 29.5% | 32.4% | 29.6% | 27.5% | 27.7% | 32.9% | 34.5% | 26.3% | 27.1% | 29.6% | 27.4% |
| — | +5.9% | +6.3% | -1.6% | -14.3% | +4.6% | +2.2% | +11.1% | +25.7% | +8.6% | +11.2% | +64.5% | +12.7% | |
| Net Margin | 23.3% | 22.2% | 23.5% | 24.6% | 22.5% | 21.0% | 21.2% | 21.2% | 0.1% | 18.7% | 20.9% | 21.8% | 21.0% |
| — | +5.6% | +10.9% | +16.0% | +15090.5% | +12.1% | +1.3% | -2.6% | -99.3% | +0.9% | +9.0% | +84.5% | +9.7% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 31.9% | 7.7% | 8.3% | 9.0% | 7.8% | 7.5% | 7.9% | 8.1% | 0.1% | 6.5% | 6.9% | 7.0% | 7.3% |
| — | +2.3% | +4.6% | +11.2% | +14266.5% | +15.4% | +14.5% | +15.0% | -99.3% | +0.1% | -3.9% | +50.0% | +6.4% | |
| ROA | 5.1% | 1.3% | 1.3% | 1.4% | 1.2% | 1.2% | 1.1% | 1.1% | 0.0% | 0.9% | 1.0% | 1.0% | 1.0% |
| — | +10.5% | +16.1% | +24.6% | +15246.8% | +25.8% | +10.2% | +7.4% | -99.2% | +5.9% | +16.1% | +98.9% | +19.5% | |
| ROIC | 20.8% | 5.2% | 5.3% | 5.7% | 4.9% | 4.7% | 4.7% | 5.6% | 5.7% | 4.1% | 4.0% | 4.2% | 4.0% |
| — | +11.6% | +10.7% | +2.9% | -14.4% | +15.2% | +19.4% | +33.8% | +42.8% | +15.7% | +8.9% | +52.9% | +16.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Primerica, Inc.'s Debt/EBITDA ratio is 7.0x, down from 7.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 363.9% YoY to 31.27x, strengthening the short-term liquidity position. Debt/Equity has declined for 7 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.74 | 0.70 | 0.74 | 0.82 | 0.83 | 0.86 | 0.86 | 1.02 | 0.95 | 0.93 | 0.99 | 0.90 | 1.04 |
| — | -17.8% | -14.0% | -19.2% | -12.6% | -7.8% | -12.5% | +13.6% | -8.8% | -14.9% | -3.6% | -30.0% | -10.5% | |
| Debt / EBITDA | 1.83 | 6.95 | 7.22 | 6.84 | 7.95 | 8.55 | 8.77 | 7.64 | 7.16 | 10.12 | 10.00 | 9.70 | 10.56 |
| — | -18.7% | -17.6% | -10.6% | +11.0% | -15.6% | -12.3% | -21.2% | -32.2% | -15.3% | -15.5% | -39.5% | -12.0% | |
| Current Ratio | 6.59 | 31.27 | 6.59 | 7.40 | 7.22 | 6.74 | 9.64 | 13.24 | — | — | — | — | — |
| — | +363.9% | -31.7% | -44.1% | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 6.59 | 31.27 | 6.59 | 7.40 | 7.22 | 6.74 | 9.64 | 13.24 | — | — | — | — | — |
| — | +363.9% | -31.7% | -44.1% | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 41.68 | 43.56 | 42.40 | 13.57 | 11.66 | 37.86 | 36.99 | 42.78 | 45.72 | 29.56 | 30.92 | 32.12 | 29.25 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying PRI stock.
Primerica, Inc.'s current P/E is 12.3x. The average P/E over the last 4 quarters is 11.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Primerica, Inc.'s current operating margin is 30.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Primerica, Inc.'s business trajectory between earnings reports.