PRIMERICA INC (PRI) Fundamental Analysis & Valuation
NYSE:PRI • US74164M1080
249.06 USD
-1.98 (-0.79%)
At close: Mar 12, 2026
249.06 USD
0 (0%)
After Hours: 3/12/2026, 4:15:00 PM
This PRI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall PRI gets a fundamental rating of 5 out of 10. We evaluated PRI against 149 industry peers in the Insurance industry. While PRI belongs to the best of the industry regarding profitability, there are concerns on its financial health. PRI has a correct valuation and a medium growth rate.
1. PRI Profitability Analysis
1.1 Basic Checks
- In the past year PRI was profitable.
- PRI had a positive operating cash flow in the past year.
- In the past 5 years PRI has always been profitable.
- In the past 5 years PRI always reported a positive cash flow from operatings.
1.2 Ratios
- PRI has a better Return On Assets (4.99%) than 79.19% of its industry peers.
- With an excellent Return On Equity value of 30.61%, PRI belongs to the best of the industry, outperforming 95.97% of the companies in the same industry.
- PRI has a better Return On Invested Capital (5.20%) than 77.85% of its industry peers.
- PRI had an Average Return On Invested Capital over the past 3 years of 4.83%. This is significantly below the industry average of 15.25%.
- The 3 year average ROIC (4.83%) for PRI is below the current ROIC(5.20%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.99% | ||
| ROE | 30.61% | ||
| ROIC | 5.2% |
ROA(3y)4.01%
ROA(5y)3.64%
ROE(3y)26.38%
ROE(5y)25.02%
ROIC(3y)4.83%
ROIC(5y)4.48%
1.3 Margins
- Looking at the Profit Margin, with a value of 22.75%, PRI belongs to the top of the industry, outperforming 92.62% of the companies in the same industry.
- PRI's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 30.33%, PRI belongs to the top of the industry, outperforming 92.62% of the companies in the same industry.
- PRI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.33% | ||
| PM (TTM) | 22.75% | ||
| GM | N/A |
OM growth 3Y0.79%
OM growth 5Y4.54%
PM growth 3Y9.6%
PM growth 5Y5.62%
GM growth 3YN/A
GM growth 5YN/A
2. PRI Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRI is destroying value.
- Compared to 1 year ago, PRI has less shares outstanding
- Compared to 5 years ago, PRI has less shares outstanding
- Compared to 1 year ago, PRI has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of PRI is 2.02, which is a good value as it means it would take PRI, 2.02 years of fcf income to pay off all of its debts.
- PRI has a Debt to FCF ratio of 2.02. This is comparable to the rest of the industry: PRI outperforms 51.01% of its industry peers.
- A Debt/Equity ratio of 0.72 indicates that PRI is somewhat dependend on debt financing.
- With a Debt to Equity ratio value of 0.72, PRI is not doing good in the industry: 85.23% of the companies in the same industry are doing better.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 2.02 | ||
| Altman-Z | N/A |
ROIC/WACC0.71
WACC7.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. PRI Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 18.68% over the past year.
- Measured over the past years, PRI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.74% on average per year.
- PRI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.90%.
- Measured over the past years, PRI shows a quite strong growth in Revenue. The Revenue has been growing by 8.18% on average per year.
EPS 1Y (TTM)18.68%
EPS 3Y25.96%
EPS 5Y18.74%
EPS Q2Q%21.87%
Revenue 1Y (TTM)5.9%
Revenue growth 3Y6.56%
Revenue growth 5Y8.18%
Sales Q2Q%8.32%
3.2 Future
- Based on estimates for the next years, PRI will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.26% on average per year.
- The Revenue is expected to grow by 5.98% on average over the next years.
EPS Next Y5.1%
EPS Next 2Y7.13%
EPS Next 3Y7.67%
EPS Next 5Y8.26%
Revenue Next Year6.11%
Revenue Next 2Y5.59%
Revenue Next 3Y5.82%
Revenue Next 5Y5.98%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. PRI Valuation Analysis
4.1 Price/Earnings Ratio
- PRI is valuated reasonably with a Price/Earnings ratio of 10.86.
- The rest of the industry has a similar Price/Earnings ratio as PRI.
- Compared to an average S&P500 Price/Earnings ratio of 26.15, PRI is valued rather cheaply.
- A Price/Forward Earnings ratio of 10.33 indicates a reasonable valuation of PRI.
- PRI's Price/Forward Earnings ratio is in line with the industry average.
- PRI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRI indicates a somewhat cheap valuation: PRI is cheaper than 64.43% of the companies listed in the same industry.
- PRI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.01 | ||
| EV/EBITDA | 6.68 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PRI does not grow enough to justify the current Price/Earnings ratio.
- PRI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.13
PEG (5Y)0.58
EPS Next 2Y7.13%
EPS Next 3Y7.67%
5. PRI Dividend Analysis
5.1 Amount
- PRI has a Yearly Dividend Yield of 1.82%.
- Compared to an average industry Dividend Yield of 2.87, PRI has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, PRI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.82% |
5.2 History
- The dividend of PRI is nicely growing with an annual growth rate of 21.03%!
- PRI has paid a dividend for at least 10 years, which is a reliable track record.
- PRI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)21.03%
Div Incr Years14
Div Non Decr Years14
5.3 Sustainability
- PRI pays out 18.17% of its income as dividend. This is a sustainable payout ratio.
- The dividend of PRI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP18.17%
EPS Next 2Y7.13%
EPS Next 3Y7.67%
PRI Fundamentals: All Metrics, Ratios and Statistics
249.06
-1.98 (-0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11 2026-02-11/amc
Earnings (Next)05-05 2026-05-05/amc
Inst Owners94.82%
Inst Owner Change4.06%
Ins Owners0.46%
Ins Owner Change1.04%
Market Cap7.89B
Revenue(TTM)3.29B
Net Income(TTM)748.79M
Analysts71.67
Price Target301.07 (20.88%)
Short Float %3.9%
Short Ratio5.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.82% |
Yearly Dividend4.17
Dividend Growth(5Y)21.03%
DP18.17%
Div Incr Years14
Div Non Decr Years14
Ex-Date02-23 2026-02-23 (1.2)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.02%
Min EPS beat(2)6.92%
Max EPS beat(2)13.12%
EPS beat(4)4
Avg EPS beat(4)6.94%
Min EPS beat(4)3.78%
Max EPS beat(4)13.12%
EPS beat(8)6
Avg EPS beat(8)5.43%
EPS beat(12)8
Avg EPS beat(12)4.19%
EPS beat(16)10
Avg EPS beat(16)2.53%
Revenue beat(2)2
Avg Revenue beat(2)0.61%
Min Revenue beat(2)0.47%
Max Revenue beat(2)0.74%
Revenue beat(4)3
Avg Revenue beat(4)0.6%
Min Revenue beat(4)-0.26%
Max Revenue beat(4)1.46%
Revenue beat(8)5
Avg Revenue beat(8)1.02%
Revenue beat(12)6
Avg Revenue beat(12)0.24%
Revenue beat(16)7
Avg Revenue beat(16)5.55%
PT rev (1m)-2.1%
PT rev (3m)-2.95%
EPS NQ rev (1m)0.95%
EPS NQ rev (3m)0.45%
EPS NY rev (1m)0.09%
EPS NY rev (3m)-0.1%
Revenue NQ rev (1m)1.73%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)1.42%
Revenue NY rev (3m)1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 10.33 | ||
| P/S | 2.4 | ||
| P/FCF | 9.01 | ||
| P/OCF | 8.75 | ||
| P/B | 3.22 | ||
| P/tB | 3.28 | ||
| EV/EBITDA | 6.68 |
EPS(TTM)22.94
EY9.21%
EPS(NY)24.11
Fwd EY9.68%
FCF(TTM)27.64
FCFY11.1%
OCF(TTM)28.46
OCFY11.43%
SpS103.97
BVpS77.26
TBVpS75.83
PEG (NY)2.13
PEG (5Y)0.58
Graham Number199.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.99% | ||
| ROE | 30.61% | ||
| ROCE | 6.77% | ||
| ROIC | 5.2% | ||
| ROICexc | 5.48% | ||
| ROICexgc | 6.82% | ||
| OM | 30.33% | ||
| PM (TTM) | 22.75% | ||
| GM | N/A | ||
| FCFM | 26.59% |
ROA(3y)4.01%
ROA(5y)3.64%
ROE(3y)26.38%
ROE(5y)25.02%
ROIC(3y)4.83%
ROIC(5y)4.48%
ROICexc(3y)5.07%
ROICexc(5y)4.68%
ROICexgc(3y)6.33%
ROICexgc(5y)5.9%
ROCE(3y)6.28%
ROCE(5y)5.83%
ROICexgc growth 3Y6.42%
ROICexgc growth 5Y12.67%
ROICexc growth 3Y7.41%
ROICexc growth 5Y13.42%
OM growth 3Y0.79%
OM growth 5Y4.54%
PM growth 3Y9.6%
PM growth 5Y5.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 2.02 | ||
| Debt/EBITDA | 1.32 | ||
| Cap/Depr | 7.61% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | 43.2 | ||
| Cash Conversion | 67.22% | ||
| Profit Quality | 116.87% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC7.32%
ROIC/WACC0.71
Cap/Depr(3y)9.24%
Cap/Depr(5y)8.62%
Cap/Sales(3y)0.98%
Cap/Sales(5y)0.96%
Profit Quality(3y)136.42%
Profit Quality(5y)139.6%
High Growth Momentum
Growth
EPS 1Y (TTM)18.68%
EPS 3Y25.96%
EPS 5Y18.74%
EPS Q2Q%21.87%
EPS Next Y5.1%
EPS Next 2Y7.13%
EPS Next 3Y7.67%
EPS Next 5Y8.26%
Revenue 1Y (TTM)5.9%
Revenue growth 3Y6.56%
Revenue growth 5Y8.18%
Sales Q2Q%8.32%
Revenue Next Year6.11%
Revenue Next 2Y5.59%
Revenue Next 3Y5.82%
Revenue Next 5Y5.98%
EBIT growth 1Y-28.92%
EBIT growth 3Y7.41%
EBIT growth 5Y13.09%
EBIT Next Year6.08%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.07%
FCF growth 3Y6.14%
FCF growth 5Y7.28%
OCF growth 1Y4.53%
OCF growth 3Y5.95%
OCF growth 5Y6.97%
PRIMERICA INC / PRI FAQ
What is the ChartMill fundamental rating of PRIMERICA INC (PRI) stock?
ChartMill assigns a fundamental rating of 5 / 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 7 / 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 10.86 and the Price/Book (PB) ratio is 3.22.
Can you provide the expected EPS growth for PRI stock?
The Earnings per Share (EPS) of PRIMERICA INC (PRI) is expected to grow by 5.1% in the next year.