PRIMERICA INC (PRI) Fundamental Analysis & Valuation
NYSE:PRI • US74164M1080
Current stock price
279.97 USD
-0.83 (-0.3%)
At close:
279.97 USD
0 (0%)
After Hours:
This PRI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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.
- In the past 5 years PRI has always been profitable.
- Each year in the past 5 years PRI had a positive operating cash flow.
1.2 Ratios
- PRI has a better Return On Assets (4.99%) than 76.19% of its industry peers.
- Looking at the Return On Equity, with a value of 30.61%, PRI belongs to the top of the industry, outperforming 93.20% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 5.20%, PRI is in the better half of the industry, outperforming 73.47% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for PRI is below the industry average of 9.55%.
- 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
- With an excellent Profit Margin value of 22.75%, PRI belongs to the best of the industry, outperforming 89.12% of the companies in the same industry.
- PRI's Profit Margin has improved in the last couple of years.
- With an excellent Operating Margin value of 30.33%, PRI belongs to the best of the industry, outperforming 91.16% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRI 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.
- Compared to 1 year ago, PRI has an improved debt to assets ratio.
2.2 Solvency
- PRI has a debt to FCF ratio of 2.02. This is a good value and a sign of high solvency as PRI would need 2.02 years to pay back of all of its debts.
- PRI has a Debt to FCF ratio (2.02) which is in line with 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.
- The Debt to Equity ratio of PRI (0.72) is worse than 85.71% of its industry peers.
- 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/WACC0.69
WACC7.57%
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.
- The Earnings Per Share has been growing by 18.74% on average over the past years. This is quite good.
- PRI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.90%.
- PRI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.18% yearly.
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 8.65% on average per year.
- Based on estimates for the next years, PRI will show a small growth in Revenue. The Revenue will grow by 6.03% on average per year.
EPS Next Y5.41%
EPS Next 2Y7.38%
EPS Next 3Y7.78%
EPS Next 5Y8.65%
Revenue Next Year5.39%
Revenue Next 2Y5.23%
Revenue Next 3Y5.52%
Revenue Next 5Y6.03%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. PRI Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.20, PRI is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as PRI.
- PRI is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
- PRI is valuated reasonably with a Price/Forward Earnings ratio of 11.58.
- PRI's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 22.29. PRI is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.2 | ||
| Fwd PE | 11.58 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PRI is valued a bit cheaper than the industry average as 63.95% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PRI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.05 | ||
| EV/EBITDA | 7.31 |
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)2.25
PEG (5Y)0.65
EPS Next 2Y7.38%
EPS Next 3Y7.78%
5. PRI Dividend Analysis
5.1 Amount
- PRI has a Yearly Dividend Yield of 1.71%. Purely for dividend investing, there may be better candidates out there.
- PRI's Dividend Yield is comparable with the industry average which is at 2.36.
- Compared to an average S&P500 Dividend Yield of 1.81, PRI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
5.2 History
- On average, the dividend of PRI grows each year by 21.03%, which is quite nice.
- 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)21.03%
Div Incr Years15
Div Non Decr Years15
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 2Y7.38%
EPS Next 3Y7.78%
PRI Fundamentals: All Metrics, Ratios and Statistics
279.97
-0.83 (-0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11 2026-02-11/amc
Earnings (Next)05-06 2026-05-06/amc
Inst Owners95.53%
Inst Owner Change0.18%
Ins Owners0.48%
Ins Owner Change-1.45%
Market Cap8.79B
Revenue(TTM)3.29B
Net Income(TTM)748.79M
Analysts70.77
Price Target304.98 (8.93%)
Short Float %4.09%
Short Ratio5.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
Yearly Dividend4.17
Dividend Growth(5Y)21.03%
DP18.17%
Div Incr Years15
Div Non Decr Years15
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)1.3%
PT rev (3m)-0.61%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)-0.25%
EPS NY rev (1m)0.3%
EPS NY rev (3m)0.36%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)1.82%
Revenue NY rev (1m)-0.43%
Revenue NY rev (3m)0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.2 | ||
| Fwd PE | 11.58 | ||
| P/S | 2.67 | ||
| P/FCF | 10.05 | ||
| P/OCF | 9.76 | ||
| P/B | 3.59 | ||
| P/tB | 3.66 | ||
| EV/EBITDA | 7.31 |
EPS(TTM)22.94
EY8.19%
EPS(NY)24.18
Fwd EY8.64%
FCF(TTM)27.87
FCFY9.95%
OCF(TTM)28.7
OCFY10.25%
SpS104.83
BVpS77.89
TBVpS76.45
PEG (NY)2.25
PEG (5Y)0.65
Graham Number200.513 (-28.38%)
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
WACC7.57%
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 Y5.41%
EPS Next 2Y7.38%
EPS Next 3Y7.78%
EPS Next 5Y8.65%
Revenue 1Y (TTM)5.9%
Revenue growth 3Y6.56%
Revenue growth 5Y8.18%
Sales Q2Q%8.32%
Revenue Next Year5.39%
Revenue Next 2Y5.23%
Revenue Next 3Y5.52%
Revenue Next 5Y6.03%
EBIT growth 1Y-28.92%
EBIT growth 3Y7.41%
EBIT growth 5Y13.09%
EBIT Next Year8.03%
EBIT Next 3Y5.21%
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 4 / 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 12.2 and the Price/Book (PB) ratio is 3.59.
How financially healthy is PRIMERICA INC?
The financial health rating of PRIMERICA INC (PRI) is 3 / 10.