Last 47 quarters of trend data · Financial Services · Insurance - Life
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.98 | 11.02 | 10.49 | 10.54 | 10.93 | 12.67 | 14.09 | 13.68 | 13.72 | 1889.62 | 16.09 | 11.96 | 11.47 | 12.45 | 12.74 | 9.96 | 22.36 | 9.04 | 16.52 | 44.04 | 13.62 |
| — | -13.1% | -25.5% | -23.0% | -20.4% | -99.3% | -12.5% | +14.4% | +19.7% | +15073.5% | +26.3% | +20.1% | -48.7% | +37.8% | -22.9% | -77.4% | +64.2% | -24.0% | +10.0% | +231.5% | +35.3% | |
| P/S Ratio | 2.65 | 2.57 | 2.32 | 2.47 | 2.68 | 2.84 | 2.95 | 2.94 | 2.90 | 2.57 | 3.00 | 2.49 | 2.49 | 2.61 | 2.30 | 1.91 | 1.72 | 1.72 | 1.95 | 2.10 | 2.20 |
| — | -9.6% | -21.3% | -16.2% | -7.6% | +10.4% | -1.8% | +18.1% | +16.5% | -1.4% | +30.7% | +30.3% | +44.8% | +51.3% | +18.0% | -8.9% | -21.7% | -25.7% | -15.1% | -5.1% | +11.3% | |
| P/B Ratio | 3.67 | 3.52 | 3.15 | 3.38 | 3.92 | 3.90 | 4.20 | 4.11 | 4.62 | 3.83 | 4.04 | 3.51 | 3.01 | 3.56 | 3.30 | 2.59 | 2.86 | 2.59 | 2.79 | 2.91 | 2.89 |
| — | -9.9% | -25.0% | -17.7% | -15.0% | +1.8% | +4.0% | +17.2% | +53.6% | +7.7% | +22.5% | +35.4% | +5.1% | +37.4% | +18.4% | -11.1% | -1.1% | -13.8% | -10.6% | +0.9% | +10.8% | |
| P/FCF | 9.78 | 7.05 | 13.45 | 6.28 | 10.47 | 14.16 | 12.57 | 8.66 | 11.63 | 12.03 | 10.91 | 8.20 | 12.74 | 13.45 | 9.43 | 6.43 | 7.37 | 7.05 | 6.51 | 6.96 | 10.09 |
| — | -50.2% | +7.0% | -27.5% | -10.0% | +17.7% | +15.2% | +5.5% | -8.7% | -10.6% | +15.7% | +27.6% | +72.9% | +90.9% | +44.8% | -7.6% | -27.0% | -28.8% | -51.4% | +23.1% | -24.1% | |
| EV / EBITDA | 9.68 | 6.49 | 8.96 | 9.27 | 9.29 | 10.73 | 11.94 | 11.84 | 10.05 | 8.49 | 12.81 | 10.62 | 10.00 | 11.00 | 11.28 | 9.73 | 12.11 | 9.13 | 11.42 | 25.28 | 12.36 |
| — | -39.5% | -24.9% | -21.8% | -7.6% | +26.4% | -6.8% | +11.5% | +0.4% | -22.8% | +13.5% | +9.1% | -17.4% | +20.4% | -1.2% | -61.5% | -2.0% | -11.5% | -15.1% | +112.2% | +26.4% | |
| EV / EBIT | 9.87 | 8.45 | 8.89 | 9.23 | 9.23 | 10.70 | 11.87 | 11.75 | 9.99 | 8.53 | 12.83 | 10.65 | 10.04 | 11.13 | 11.40 | 9.83 | 12.25 | 9.23 | 11.56 | 25.73 | 12.47 |
| — | -21.1% | -25.1% | -21.5% | -7.6% | +25.4% | -7.5% | +10.3% | -0.5% | -23.3% | +12.5% | +8.3% | -18.1% | +20.5% | -1.3% | -61.8% | -1.8% | -9.6% | -13.0% | +119.1% | +29.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 80.5% | 83.0% | 80.9% | 80.8% | 43.5% | 41.6% | 40.5% | 39.4% | 44.5% | 45.4% | 39.9% | 39.7% | 40.7% | 40.5% | 38.1% | 37.1% | 38.9% | 37.3% | 34.6% | 32.8% | 33.8% |
| — | +99.3% | +99.9% | +104.9% | -2.3% | -8.4% | +1.4% | -0.7% | +9.3% | +12.2% | +4.6% | +7.0% | +4.7% | +8.6% | +10.2% | +13.2% | +14.9% | +0.3% | +5.9% | -3.2% | -9.7% | |
| Operating Margin | 30.2% | 29.8% | 29.1% | 29.5% | 32.4% | 29.6% | 27.5% | 27.7% | 32.9% | 34.5% | 26.3% | 27.1% | 29.6% | 27.4% | 24.2% | 24.4% | 18.0% | 24.4% | 21.1% | 9.2% | 21.2% |
| — | +1.0% | +5.9% | +6.3% | -1.6% | -14.3% | +4.6% | +2.2% | +11.1% | +25.7% | +8.6% | +11.2% | +64.5% | +12.7% | +14.6% | +166.4% | -15.2% | -5.9% | +4.9% | -58.4% | -17.7% | |
| Net Margin | 23.3% | 23.4% | 22.2% | 23.5% | 24.6% | 22.5% | 21.0% | 21.2% | 21.2% | 0.1% | 18.7% | 20.9% | 21.8% | 21.0% | 18.6% | 19.2% | 11.8% | 19.1% | 16.6% | 4.8% | 16.2% |
| — | +4.0% | +5.6% | +10.9% | +16.0% | +15090.5% | +12.1% | +1.3% | -2.6% | -99.3% | +0.9% | +9.0% | +84.5% | +9.7% | +11.5% | +298.6% | -27.2% | -2.3% | +8.4% | -71.2% | -17.7% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 31.9% | 8.0% | 7.7% | 8.3% | 9.0% | 7.8% | 7.5% | 7.9% | 8.1% | 0.1% | 6.5% | 6.9% | 7.0% | 7.3% | 6.5% | 7.2% | 4.7% | 6.9% | 5.7% | 1.7% | 5.5% |
| — | +2.6% | +2.3% | +4.6% | +11.2% | +14266.5% | +15.4% | +14.5% | +15.0% | -99.3% | +0.1% | -3.9% | +50.0% | +6.4% | +13.3% | +334.6% | -14.1% | +4.9% | +8.6% | -70.5% | -18.2% | |
| ROA | 5.1% | 1.4% | 1.3% | 1.3% | 1.4% | 1.2% | 1.2% | 1.1% | 1.1% | 0.0% | 0.9% | 1.0% | 1.0% | 1.0% | 0.9% | 0.9% | 0.5% | 0.8% | 0.7% | 0.2% | 0.7% |
| — | +13.3% | +10.5% | +16.1% | +24.6% | +15246.8% | +25.8% | +10.2% | +7.4% | -99.2% | +5.9% | +16.1% | +98.9% | +19.5% | +21.3% | +306.9% | -27.0% | -2.2% | +10.1% | -68.1% | -9.5% | |
| ROIC | 20.8% | 6.2% | 5.2% | 5.3% | 5.7% | 4.9% | 4.7% | 4.7% | 5.6% | 5.7% | 4.1% | 4.0% | 4.2% | 4.0% | 3.5% | 3.7% | 2.7% | 3.5% | 3.0% | 1.3% | 3.2% |
| — | +26.8% | +11.7% | +10.9% | +2.9% | -14.4% | +15.1% | +19.2% | +33.8% | +42.8% | +15.7% | +8.9% | +52.9% | +16.0% | +18.0% | +174.1% | -15.2% | -12.9% | -2.7% | -58.1% | -10.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.74 | 0.25 | 0.70 | 0.74 | 0.82 | 0.83 | 0.86 | 0.87 | 1.02 | 0.95 | 0.93 | 0.99 | 0.90 | 1.04 | 1.09 | 1.03 | 1.28 | 1.16 | 1.06 | 0.98 | 0.92 |
| — | -69.2% | -17.8% | -14.3% | -19.2% | -12.6% | -7.8% | -12.2% | +13.6% | -8.8% | -14.9% | -3.6% | -30.0% | -10.5% | +3.3% | +5.1% | +38.6% | +21.9% | +11.0% | +1.1% | -9.3% | |
| Debt / EBITDA | 1.83 | 1.87 | 7.01 | 7.22 | 6.84 | 7.95 | 8.55 | 8.80 | 7.64 | 7.16 | 10.12 | 10.00 | 9.70 | 10.56 | 11.95 | 11.83 | 16.03 | 12.00 | 13.20 | 26.68 | 12.47 |
| — | -76.5% | -18.0% | -17.9% | -10.6% | +11.0% | -15.6% | -12.0% | -21.2% | -32.2% | -15.3% | -15.5% | -39.5% | -12.0% | -9.5% | -55.7% | +28.5% | +9.4% | -1.3% | +105.9% | +7.6% | |
| Current Ratio | 6.59 | 6.84 | 7.42 | 6.59 | 7.40 | 7.22 | 6.74 | 9.60 | 7.95 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -5.2% | +10.0% | -31.4% | -6.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 6.59 | 6.84 | 7.42 | 6.59 | 7.40 | 7.22 | 6.74 | 9.60 | 7.95 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -5.2% | +10.0% | -31.4% | -6.9% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 41.68 | 45.27 | 43.56 | 42.40 | 13.57 | 11.66 | 37.86 | 36.99 | 42.78 | 45.72 | 29.56 | 30.92 | 32.12 | 29.25 | 25.95 | 25.76 | 18.81 | 24.90 | 22.29 | 8.53 | 20.54 |
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Includes 30+ ratios · 47 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 12.0x. The average P/E over the last 4 quarters is 10.7x. 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.