PRIMERICA INC (PRI) Fundamental Analysis & Valuation

NYSE:PRI • US74164M1080

Current stock price

276.96 USD
-4.31 (-1.53%)
At close:
276.96 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.

7

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.
  • Each year in the past 5 years PRI has been profitable.
  • Each year in the past 5 years PRI had a positive operating cash flow.
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

  • PRI has a Return On Assets of 4.99%. This is in the better half of the industry: PRI outperforms 76.19% of its industry peers.
  • PRI's Return On Equity of 30.61% is amongst the best of the industry. PRI outperforms 93.20% of its industry peers.
  • PRI has a Return On Invested Capital of 5.20%. This is in the better half of the industry: PRI outperforms 73.47% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PRI is below the industry average of 9.60%.
  • 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

  • With an excellent Profit Margin value of 22.75%, PRI belongs to the best of the industry, outperforming 87.07% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PRI has grown nicely.
  • PRI has a Operating Margin of 30.33%. This is amongst the best in the industry. PRI outperforms 91.16% 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.
  • Compared to 5 years ago, PRI has less shares outstanding
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 2.02, PRI is in line with its industry, outperforming 48.30% of the companies in the same industry.
  • 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: 85.71% 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 RankSector Rank
Debt/Equity 0.72
Debt/FCF 2.02
Altman-Z N/A
ROIC/WACC0.68
WACC7.63%
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.
  • The Earnings Per Share has been growing by 18.74% on average over the past years. This is quite good.
  • Looking at the last year, PRI shows a small growth in Revenue. The Revenue has grown by 5.90% in the last year.
  • 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.
  • The Revenue is expected to grow by 6.03% on average over the next years.
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

  • 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.
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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4

4. PRI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.07, which indicates a correct valuation of PRI.
  • PRI's Price/Earnings ratio is in line with the industry average.
  • PRI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • Based on the Price/Forward Earnings ratio of 11.45, the valuation of PRI can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PRI.
  • When comparing the Price/Forward Earnings ratio of PRI to the average of the S&P500 Index (21.36), we can say PRI is valued slightly cheaper.
Industry RankSector Rank
PE 12.07
Fwd PE 11.45
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

  • 63.27% of the companies in the same industry are more expensive than PRI, based on the Enterprise Value to EBITDA ratio.
  • PRI's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.94
EV/EBITDA 7.24
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.
  • PRI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.23
PEG (5Y)0.64
EPS Next 2Y7.38%
EPS Next 3Y7.78%

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 1.71%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.38, 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 1.71%

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 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
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

  • 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 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 (5/1/2026, 8:04:00 PM)

After market: 276.96 0 (0%)

276.96

-4.31 (-1.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength40.37
Industry Growth45.34
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners95.53%
Inst Owner Change0.18%
Ins Owners0.48%
Ins Owner Change-1.45%
Market Cap8.70B
Revenue(TTM)3.29B
Net Income(TTM)748.79M
Analysts70.77
Price Target304.3 (9.87%)
Short Float %3.94%
Short Ratio6.14
Dividend
Industry RankSector 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
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)1.47%
PT rev (3m)-0.83%
EPS NQ rev (1m)-0.38%
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)-0.63%
Revenue NY rev (3m)0.69%
Valuation
Industry RankSector Rank
PE 12.07
Fwd PE 11.45
P/S 2.64
P/FCF 9.94
P/OCF 9.65
P/B 3.56
P/tB 3.62
EV/EBITDA 7.24
EPS(TTM)22.94
EY8.28%
EPS(NY)24.18
Fwd EY8.73%
FCF(TTM)27.87
FCFY10.06%
OCF(TTM)28.7
OCFY10.36%
SpS104.83
BVpS77.89
TBVpS76.45
PEG (NY)2.23
PEG (5Y)0.64
Graham Number200.513 (-27.6%)
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
WACC7.63%
ROIC/WACC0.68
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 12.07 and the Price/Book (PB) ratio is 3.56.


How financially healthy is PRIMERICA INC?

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