PRIMERICA INC (PRI) Stock Fundamental Analysis

NYSE:PRI • US74164M1080

250.04 USD
-3.41 (-1.35%)
At close: Feb 12, 2026
250.04 USD
0 (0%)
After Hours: 2/12/2026, 8:10:52 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

PRI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. PRI has a medium profitability rating, but doesn't score so well on its financial health evaluation. PRI has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • PRI had positive earnings in the past year.
  • In the past year PRI had a positive cash flow from operations.
  • Of the past 5 years PRI 4 years were profitable.
  • PRI had a positive operating cash flow in 4 of the past 5 years.
PRI Yearly Net Income VS EBIT VS OCF VS FCFPRI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

  • PRI has a better Return On Assets (4.84%) than 81.88% of its industry peers.
  • The Return On Equity of PRI (31.31%) is better than 97.32% of its industry peers.
  • PRI's Return On Invested Capital of 5.08% is fine compared to the rest of the industry. PRI outperforms 77.85% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PRI is significantly below the industry average of 14.88%.
  • The 3 year average ROIC (4.51%) for PRI is below the current ROIC(5.08%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.84%
ROE 31.31%
ROIC 5.08%
ROA(3y)3.41%
ROA(5y)3.15%
ROE(3y)23.89%
ROE(5y)23.09%
ROIC(3y)4.51%
ROIC(5y)3.99%
PRI Yearly ROA, ROE, ROICPRI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • PRI has a Profit Margin of 22.28%. This is amongst the best in the industry. PRI outperforms 92.62% of its industry peers.
  • In the last couple of years the Profit Margin of PRI has declined.
  • PRI has a better Operating Margin (30.07%) than 92.62% of its industry peers.
  • In the last couple of years the Operating Margin of PRI has grown nicely.
Industry RankSector Rank
OM 30.07%
PM (TTM) 22.28%
GM N/A
OM growth 3Y3.67%
OM growth 5Y4.8%
PM growth 3Y-4.72%
PM growth 5Y-3.09%
GM growth 3YN/A
GM growth 5YN/A
PRI Yearly Profit, Operating, Gross MarginsPRI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRI is destroying value.
  • PRI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PRI Yearly Shares OutstandingPRI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
PRI Yearly Total Debt VS Total AssetsPRI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • PRI has a debt to FCF ratio of 2.26. This is a good value and a sign of high solvency as PRI would need 2.26 years to pay back of all of its debts.
  • PRI has a Debt to FCF ratio of 2.26. This is comparable to the rest of the industry: PRI outperforms 51.01% of its industry peers.
  • A Debt/Equity ratio of 0.80 indicates that PRI is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.80, PRI is doing worse than 85.23% of the companies in the same industry.
  • Even though the debt/equity ratio score it not favorable for PRI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 2.26
Altman-Z N/A
ROIC/WACC0.7
WACC7.28%
PRI Yearly LT Debt VS Equity VS FCFPRI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRI Yearly Current Assets VS Current LiabilitesPRI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 18.68% over the past year.
  • PRI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.74% yearly.
EPS 1Y (TTM)18.68%
EPS 3Y25.96%
EPS 5Y18.74%
EPS Q2Q%21.87%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.3%

3.2 Future

  • PRI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.26% yearly.
  • The Revenue is expected to grow by 4.46% on average over the next years.
EPS Next Y5%
EPS Next 2Y7.04%
EPS Next 3Y7.42%
EPS Next 5Y8.26%
Revenue Next Year4.63%
Revenue Next 2Y4.96%
Revenue Next 3Y4.31%
Revenue Next 5Y4.46%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PRI Yearly Revenue VS EstimatesPRI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B
PRI Yearly EPS VS EstimatesPRI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10 20 30

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.90 indicates a reasonable valuation of PRI.
  • PRI's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.67. PRI is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 10.38, which indicates a very decent valuation of PRI.
  • PRI's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. PRI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.9
Fwd PE 10.38
PRI Price Earnings VS Forward Price EarningsPRI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRI is valued a bit cheaper than the industry average as 67.79% of the companies are valued more expensively.
  • PRI's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.81
EV/EBITDA 7.11
PRI Per share dataPRI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • PRI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.18
PEG (5Y)0.58
EPS Next 2Y7.04%
EPS Next 3Y7.42%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • PRI has a Yearly Dividend Yield of 1.57%.
  • Compared to an average industry Dividend Yield of 2.18, PRI has a dividend in line with its industry peers.
  • PRI's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.57%

5.2 History

  • The dividend of PRI is nicely growing with an annual growth rate of 19.20%!
  • PRI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PRI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)19.2%
Div Incr Years14
Div Non Decr Years14
PRI Yearly Dividends per sharePRI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

  • 18.50% of the earnings are spent on dividend by PRI. This is a low number and sustainable payout ratio.
  • PRI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP18.5%
EPS Next 2Y7.04%
EPS Next 3Y7.42%
PRI Yearly Income VS Free CF VS DividendPRI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
PRI Dividend Payout.PRI Dividend Payout, showing the Payout Ratio.PRI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PRIMERICA INC

NYSE:PRI (2/12/2026, 8:10:52 PM)

After market: 250.04 0 (0%)

250.04

-3.41 (-1.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners95.11%
Inst Owner Change0.15%
Ins Owners0.53%
Ins Owner Change-3.41%
Market Cap7.98B
Revenue(TTM)N/A
Net Income(TTM)718.85M
Analysts71.67
Price Target307.53 (22.99%)
Short Float %4.01%
Short Ratio5.9
Dividend
Industry RankSector Rank
Dividend Yield 1.57%
Yearly Dividend3.3
Dividend Growth(5Y)19.2%
DP18.5%
Div Incr Years14
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.45%
Min EPS beat(2)3.78%
Max EPS beat(2)13.12%
EPS beat(4)3
Avg EPS beat(4)5.19%
Min EPS beat(4)-0.09%
Max EPS beat(4)13.12%
EPS beat(8)5
Avg EPS beat(8)4.38%
EPS beat(12)8
Avg EPS beat(12)5.11%
EPS beat(16)9
Avg EPS beat(16)1.51%
Revenue beat(2)1
Avg Revenue beat(2)0.24%
Min Revenue beat(2)-0.26%
Max Revenue beat(2)0.74%
Revenue beat(4)3
Avg Revenue beat(4)0.87%
Min Revenue beat(4)-0.26%
Max Revenue beat(4)1.53%
Revenue beat(8)4
Avg Revenue beat(8)0.85%
Revenue beat(12)5
Avg Revenue beat(12)0.01%
Revenue beat(16)7
Avg Revenue beat(16)5.54%
PT rev (1m)-0.45%
PT rev (3m)-3.32%
EPS NQ rev (1m)0.79%
EPS NQ rev (3m)0.44%
EPS NY rev (1m)0.32%
EPS NY rev (3m)3.38%
Revenue NQ rev (1m)0.67%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)0.24%
Valuation
Industry RankSector Rank
PE 10.9
Fwd PE 10.38
P/S 2.47
P/FCF 9.81
P/OCF 9.57
P/B 3.48
P/tB 3.55
EV/EBITDA 7.11
EPS(TTM)22.94
EY9.17%
EPS(NY)24.09
Fwd EY9.63%
FCF(TTM)25.49
FCFY10.19%
OCF(TTM)26.11
OCFY10.44%
SpS101.07
BVpS71.93
TBVpS70.51
PEG (NY)2.18
PEG (5Y)0.58
Graham Number192.68
Profitability
Industry RankSector Rank
ROA 4.84%
ROE 31.31%
ROCE 6.63%
ROIC 5.08%
ROICexc 5.31%
ROICexgc 6.63%
OM 30.07%
PM (TTM) 22.28%
GM N/A
FCFM 25.22%
ROA(3y)3.41%
ROA(5y)3.15%
ROE(3y)23.89%
ROE(5y)23.09%
ROIC(3y)4.51%
ROIC(5y)3.99%
ROICexc(3y)4.7%
ROICexc(5y)4.15%
ROICexgc(3y)5.93%
ROICexgc(5y)5.27%
ROCE(3y)5.88%
ROCE(5y)5.21%
ROICexgc growth 3Y11.32%
ROICexgc growth 5Y12.44%
ROICexc growth 3Y13.03%
ROICexc growth 5Y13.1%
OM growth 3Y3.67%
OM growth 5Y4.8%
PM growth 3Y-4.72%
PM growth 5Y-3.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 2.26
Debt/EBITDA 1.41
Cap/Depr 5.97%
Cap/Sales 0.62%
Interest Coverage 250
Cash Conversion 63.84%
Profit Quality 113.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC7.28%
ROIC/WACC0.7
Cap/Depr(3y)8.9%
Cap/Depr(5y)9.38%
Cap/Sales(3y)1.03%
Cap/Sales(5y)1.05%
Profit Quality(3y)149.37%
Profit Quality(5y)148.26%
High Growth Momentum
Growth
EPS 1Y (TTM)18.68%
EPS 3Y25.96%
EPS 5Y18.74%
EPS Q2Q%21.87%
EPS Next Y5%
EPS Next 2Y7.04%
EPS Next 3Y7.42%
EPS Next 5Y8.26%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.3%
Revenue Next Year4.63%
Revenue Next 2Y4.96%
Revenue Next 3Y4.31%
Revenue Next 5Y4.46%
EBIT growth 1Y-29.9%
EBIT growth 3Y8.3%
EBIT growth 5Y13.71%
EBIT Next Year2.1%
EBIT Next 3Y2.82%
EBIT Next 5YN/A
FCF growth 1Y26.65%
FCF growth 3Y9.62%
FCF growth 5Y11.4%
OCF growth 1Y26.71%
OCF growth 3Y9.48%
OCF growth 5Y12.17%

PRIMERICA INC / PRI FAQ

What is the ChartMill fundamental rating of PRIMERICA INC (PRI) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PRI.


What is the valuation status for PRI stock?

ChartMill assigns a valuation rating of 5 / 10 to PRIMERICA INC (PRI). This can be considered as Fairly Valued.


What is the profitability of PRI stock?

PRIMERICA INC (PRI) has a profitability rating of 6 / 10.


What is the valuation of PRIMERICA INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PRIMERICA INC (PRI) is 10.9 and the Price/Book (PB) ratio is 3.48.


Can you provide the expected EPS growth for PRI stock?

The Earnings per Share (EPS) of PRIMERICA INC (PRI) is expected to grow by 5% in the next year.