PRIMERICA INC (PRI) Fundamental Analysis & Valuation

NYSE:PRI • US74164M1080

Current stock price

260.96 USD
-2.56 (-0.97%)
Last:

This PRI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. PRI Profitability Analysis

1.1 Basic Checks

  • PRI had positive earnings in the past year.
  • In the past year PRI had a positive cash flow from operations.
  • Each year in the past 5 years PRI has been profitable.
  • PRI had a positive operating cash flow in each 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 2025 200M 400M 600M 800M

1.2 Ratios

  • The Return On Assets of PRI (4.99%) is better than 77.03% of its industry peers.
  • PRI has a better Return On Equity (30.61%) than 93.24% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.20%, PRI is in the better half of the industry, outperforming 74.32% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for PRI is below the industry average of 9.46%.
  • The last Return On Invested Capital (5.20%) for PRI is above the 3 year average (4.83%), which is a sign of increasing profitability.
Industry RankSector 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%
PRI Yearly ROA, ROE, ROICPRI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • The Profit Margin of PRI (22.75%) is better than 90.54% of its industry peers.
  • PRI's Profit Margin has improved in the last couple of years.
  • PRI has a Operating Margin of 30.33%. This is amongst the best in the industry. PRI outperforms 93.24% of its industry peers.
  • PRI's Operating Margin has improved in the last couple of years.
Industry RankSector 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
PRI Yearly Profit, Operating, Gross MarginsPRI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

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.
  • The number of shares outstanding for PRI has been reduced compared to 1 year ago.
  • PRI has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PRI has been reduced compared to a year ago.
PRI Yearly Shares OutstandingPRI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B

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 47.97% of its industry peers.
  • PRI has a Debt/Equity ratio of 0.72. This is a neutral value indicating PRI is somewhat dependend on debt financing.
  • PRI has a Debt to Equity ratio of 0.72. This is amonst the worse of the industry: PRI underperforms 86.49% of its industry peers.
  • Although PRI's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 2.02
Altman-Z N/A
ROIC/WACC0.69
WACC7.49%
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 2025 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 2025 50M 100M 150M 200M 250M

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

5

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.
  • The Revenue has been growing slightly by 5.90% in the past year.
  • The Revenue has been growing by 8.18% on average over the past years. This is quite good.
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

  • 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.
  • Based on estimates for the next years, PRI will show a small growth in Revenue. The Revenue will grow by 5.98% on average per year.
EPS Next Y5.1%
EPS Next 2Y7.13%
EPS Next 3Y7.67%
EPS Next 5Y8.26%
Revenue Next Year6.05%
Revenue Next 2Y5.62%
Revenue Next 3Y5.64%
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.
  • When comparing the Revenue 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 4B
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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5

4. PRI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.38, the valuation of PRI can be described as very reasonable.
  • PRI's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, PRI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.82, the valuation of PRI can be described as very reasonable.
  • PRI's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of PRI to the average of the S&P500 Index (23.68), we can say PRI is valued rather cheaply.
Industry RankSector Rank
PE 11.38
Fwd PE 10.82
PRI Price Earnings VS Forward Price EarningsPRI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 64.86% of the companies in the same industry are more expensive than PRI, based on the Enterprise Value to EBITDA ratio.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as PRI.
Industry RankSector Rank
P/FCF 9.44
EV/EBITDA 6.98
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 PRI does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of PRI may justify a higher PE ratio.
PEG (NY)2.23
PEG (5Y)0.61
EPS Next 2Y7.13%
EPS Next 3Y7.67%

More info and screens

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

6

5. PRI Dividend Analysis

5.1 Amount

  • PRI has a Yearly Dividend Yield of 1.95%. Purely for dividend investing, there may be better candidates out there.
  • PRI's Dividend Yield is comparable with the industry average which is at 2.55.
  • Compared to an average S&P500 Dividend Yield of 1.89, PRI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.95%

5.2 History

  • On average, the dividend of PRI grows each year by 21.03%, which is quite nice.
  • 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 Years15
Div Non Decr Years15
PRI Yearly Dividends per sharePRI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

5.3 Sustainability

  • 18.17% 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.
DP18.17%
EPS Next 2Y7.13%
EPS Next 3Y7.67%
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 2025 200M 400M 600M 800M
PRI Dividend Payout.PRI Dividend Payout, showing the Payout Ratio.PRI Dividend Payout.PayoutRetained Earnings

More info and screens

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PRI Fundamentals: All Metrics, Ratios and Statistics

PRIMERICA INC

NYSE:PRI (4/10/2026, 1:48:54 PM)

260.96

-2.56 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-05
Inst Owners94.82%
Inst Owner Change0%
Ins Owners0.46%
Ins Owner Change-1.45%
Market Cap8.26B
Revenue(TTM)3.29B
Net Income(TTM)748.79M
Analysts70.77
Price Target299.88 (14.91%)
Short Float %3.7%
Short Ratio5.18
Dividend
Industry RankSector Rank
Dividend Yield 1.95%
Yearly Dividend4.17
Dividend Growth(5Y)21.03%
DP18.17%
Div Incr Years15
Div Non Decr Years15
Ex-Date02-23
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)-0.4%
PT rev (3m)-2.92%
EPS NQ rev (1m)-0.81%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.1%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)1.72%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)1.48%
Valuation
Industry RankSector Rank
PE 11.38
Fwd PE 10.82
P/S 2.51
P/FCF 9.44
P/OCF 9.17
P/B 3.38
P/tB 3.44
EV/EBITDA 6.98
EPS(TTM)22.94
EY8.79%
EPS(NY)24.11
Fwd EY9.24%
FCF(TTM)27.64
FCFY10.59%
OCF(TTM)28.46
OCFY10.91%
SpS103.97
BVpS77.26
TBVpS75.83
PEG (NY)2.23
PEG (5Y)0.61
Graham Number199.69
Profitability
Industry RankSector 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 RankSector 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
WACC7.49%
ROIC/WACC0.69
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 Year6.05%
Revenue Next 2Y5.62%
Revenue Next 3Y5.64%
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 Fundamental Analysis 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.


Can you provide the profitability details for PRIMERICA INC?

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 11.38 and the Price/Book (PB) ratio is 3.38.


How financially healthy is PRIMERICA INC?

The financial health rating of PRIMERICA INC (PRI) is 3 / 10.