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, 8:05:39 PM
This PRI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, PRI scores 5 out of 10 in our fundamental rating. PRI was compared to 149 industry peers in the Insurance industry. PRI scores excellent on profitability, but 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.
- 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.
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.
- Measured over the past 3 years, the Average Return On Invested Capital for PRI is significantly below the industry average of 15.25%.
- 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 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
- The Profit Margin of PRI (22.75%) is better than 92.62% 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 92.62% of its industry peers.
- In the last couple of years the Operating Margin of PRI has grown nicely.
| 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
- PRI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for PRI has been reduced compared to 1 year ago.
- The number of shares outstanding for PRI has been reduced compared to 5 years ago.
- The debt/assets ratio for PRI has been reduced compared to a year ago.
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.
- Looking at the Debt to FCF ratio, with a value of 2.02, PRI is in line with its industry, outperforming 51.01% of the companies in the same industry.
- PRI has a Debt/Equity ratio of 0.72. This is a neutral value indicating PRI is somewhat dependend on debt financing.
- PRI's Debt to Equity ratio of 0.72 is on the low side compared to the rest of the industry. PRI is outperformed by 85.23% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 2.02 | ||
| Altman-Z | N/A |
ROIC/WACC0.71
WACC7.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. PRI Growth Analysis
3.1 Past
- PRI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.68%, which is quite good.
- PRI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.74% yearly.
- Looking at the last year, PRI shows a small growth in Revenue. The Revenue has grown by 5.90% in the last 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
- 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.
- PRI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.98% yearly.
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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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
- The Price/Earnings ratio is 10.86, which indicates a very decent valuation of PRI.
- Compared to the rest of the industry, the Price/Earnings ratio of PRI is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of PRI to the average of the S&P500 Index (25.71), we can say PRI is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.33, which indicates a very decent valuation of PRI.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PRI is on the same level as its industry peers.
- PRI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PRI is valued a bit cheaper than 64.43% of the companies in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as PRI.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.01 | ||
| EV/EBITDA | 6.64 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- The decent profitability rating of PRI 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
- With a Yearly Dividend Yield of 1.82%, PRI has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.89, 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
- 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 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 Change-1.48%
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 | 6.64 |
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
WACC7.36%
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.