PRIMERICA INC (PRI) Stock Fundamental Analysis
NYSE:PRI • US74164M1080
258.24 USD
+4.58 (+1.81%)
At close: Mar 2, 2026
258.24 USD
0 (0%)
After Hours: 3/2/2026, 8:04:00 PM
PRI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. There are concerns on the financial health of PRI while its profitability can be described as average. PRI has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- PRI had positive earnings in the past year.
- PRI had a positive operating cash flow in the past year.
- Of the past 5 years PRI 4 years were profitable.
- PRI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- PRI has a better Return On Assets (4.84%) than 79.87% of its industry peers.
- With an excellent Return On Equity value of 31.31%, PRI belongs to the best of the industry, outperforming 96.64% of the companies in the same industry.
- The Return On Invested Capital of PRI (5.08%) is better than 75.17% 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 15.27%.
- The 3 year average ROIC (4.51%) for PRI is below the current ROIC(5.08%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.84% | ||
| ROE | 31.31% | ||
| ROIC | 5.08% |
ROA(3y)3.41%
ROA(5y)3.15%
ROE(3y)23.89%
ROE(5y)23.09%
ROIC(3y)4.51%
ROIC(5y)3.99%
1.3 Margins
- Looking at the Profit Margin, with a value of 22.28%, PRI belongs to the top of the industry, outperforming 89.93% of the companies in the same industry.
- In the last couple of years the Profit Margin of PRI has declined.
- PRI has a better Operating Margin (30.07%) than 92.62% of its industry peers.
- PRI's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.07% | ||
| PM (TTM) | 22.28% | ||
| GM | N/A |
OM growth 3Y3.67%
OM growth 5Y4.8%
PM growth 3Y-4.72%
PM growth 5Y-3.09%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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.
- PRI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of PRI is 2.26, which is a good value as it means it would take PRI, 2.26 years of fcf income to pay off all of its debts.
- PRI's Debt to FCF ratio of 2.26 is in line compared to the rest of the industry. PRI outperforms 51.01% of its industry peers.
- A Debt/Equity ratio of 0.80 indicates that PRI is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.80, PRI is doing worse than 85.23% of the companies in the same industry.
- 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 | 0.8 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACC0.71
WACC7.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
EPS 1Y (TTM)18.68%
EPS 3Y25.96%
EPS 5Y18.74%
EPS Q2Q%21.87%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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.
- The Revenue is expected to grow by 4.46% on average over the next years.
EPS Next Y5%
EPS Next 2Y7.04%
EPS Next 3Y7.42%
EPS Next 5Y8.26%
Revenue Next Year5.23%
Revenue Next 2Y5.13%
Revenue Next 3Y4.16%
Revenue Next 5Y4.46%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.26 indicates a reasonable 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.
- Compared to an average S&P500 Price/Earnings ratio of 27.13, PRI is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.72, the valuation of PRI can be described as very reasonable.
- PRI's Price/Forward Earnings is on the same level as the industry average.
- PRI is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.11, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.26 | ||
| Fwd PE | 10.72 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PRI is valued a bit cheaper than 67.79% of the companies in the same industry.
- PRI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.13 | ||
| EV/EBITDA | 7.11 |
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)2.25
PEG (5Y)0.6
EPS Next 2Y7.04%
EPS Next 3Y7.42%
5. Dividend
5.1 Amount
- PRI has a Yearly Dividend Yield of 1.85%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.46, PRI has a dividend in line with its industry peers.
- PRI's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
5.2 History
- On average, the dividend of PRI grows each year by 19.20%, which is quite nice.
- 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)19.2%
Div Incr Years14
Div Non Decr Years14
5.3 Sustainability
- PRI pays out 18.50% 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.
DP18.5%
EPS Next 2Y7.04%
EPS Next 3Y7.42%
258.24
+4.58 (+1.81%)
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 Owners95.11%
Inst Owner Change4.08%
Ins Owners0.53%
Ins Owner Change-2.91%
Market Cap8.24B
Revenue(TTM)N/A
Net Income(TTM)718.85M
Analysts71.67
Price Target301.07 (16.59%)
Short Float %3.73%
Short Ratio4.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
Yearly Dividend3.3
Dividend Growth(5Y)19.2%
DP18.5%
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)8.45%
Min EPS beat(2)3.78%
Max EPS beat(2)13.12%
EPS beat(4)3
Avg EPS beat(4)5.19%
Min EPS beat(4)-0.09%
Max EPS beat(4)13.12%
EPS beat(8)5
Avg EPS beat(8)4.38%
EPS beat(12)8
Avg EPS beat(12)5.11%
EPS beat(16)9
Avg EPS beat(16)1.51%
Revenue beat(2)1
Avg Revenue beat(2)0.24%
Min Revenue beat(2)-0.26%
Max Revenue beat(2)0.74%
Revenue beat(4)3
Avg Revenue beat(4)0.87%
Min Revenue beat(4)-0.26%
Max Revenue beat(4)1.53%
Revenue beat(8)4
Avg Revenue beat(8)0.85%
Revenue beat(12)5
Avg Revenue beat(12)0.01%
Revenue beat(16)7
Avg Revenue beat(16)5.54%
PT rev (1m)-1.88%
PT rev (3m)-3.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.52%
EPS NY rev (1m)0.03%
EPS NY rev (3m)3.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.89%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.26 | ||
| Fwd PE | 10.72 | ||
| P/S | 2.56 | ||
| P/FCF | 10.13 | ||
| P/OCF | 9.89 | ||
| P/B | 3.59 | ||
| P/tB | 3.66 | ||
| EV/EBITDA | 7.11 |
EPS(TTM)22.94
EY8.88%
EPS(NY)24.09
Fwd EY9.33%
FCF(TTM)25.49
FCFY9.87%
OCF(TTM)26.11
OCFY10.11%
SpS101.07
BVpS71.93
TBVpS70.51
PEG (NY)2.25
PEG (5Y)0.6
Graham Number192.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.84% | ||
| ROE | 31.31% | ||
| ROCE | 6.63% | ||
| ROIC | 5.08% | ||
| ROICexc | 5.31% | ||
| ROICexgc | 6.63% | ||
| OM | 30.07% | ||
| PM (TTM) | 22.28% | ||
| GM | N/A | ||
| FCFM | 25.22% |
ROA(3y)3.41%
ROA(5y)3.15%
ROE(3y)23.89%
ROE(5y)23.09%
ROIC(3y)4.51%
ROIC(5y)3.99%
ROICexc(3y)4.7%
ROICexc(5y)4.15%
ROICexgc(3y)5.93%
ROICexgc(5y)5.27%
ROCE(3y)5.88%
ROCE(5y)5.21%
ROICexgc growth 3Y11.32%
ROICexgc growth 5Y12.44%
ROICexc growth 3Y13.03%
ROICexc growth 5Y13.1%
OM growth 3Y3.67%
OM growth 5Y4.8%
PM growth 3Y-4.72%
PM growth 5Y-3.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 2.26 | ||
| Debt/EBITDA | 1.41 | ||
| Cap/Depr | 5.97% | ||
| Cap/Sales | 0.62% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 63.84% | ||
| Profit Quality | 113.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC7.15%
ROIC/WACC0.71
Cap/Depr(3y)8.9%
Cap/Depr(5y)9.38%
Cap/Sales(3y)1.03%
Cap/Sales(5y)1.05%
Profit Quality(3y)149.37%
Profit Quality(5y)148.26%
High Growth Momentum
Growth
EPS 1Y (TTM)18.68%
EPS 3Y25.96%
EPS 5Y18.74%
EPS Q2Q%21.87%
EPS Next Y5%
EPS Next 2Y7.04%
EPS Next 3Y7.42%
EPS Next 5Y8.26%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.32%
Revenue Next Year5.23%
Revenue Next 2Y5.13%
Revenue Next 3Y4.16%
Revenue Next 5Y4.46%
EBIT growth 1Y-29.9%
EBIT growth 3Y8.3%
EBIT growth 5Y13.71%
EBIT Next Year2.1%
EBIT Next 3Y2.82%
EBIT Next 5YN/A
FCF growth 1Y26.65%
FCF growth 3Y9.62%
FCF growth 5Y11.4%
OCF growth 1Y26.71%
OCF growth 3Y9.48%
OCF growth 5Y12.17%
PRIMERICA INC / PRI FAQ
What is the ChartMill fundamental rating of PRIMERICA INC (PRI) stock?
ChartMill assigns a fundamental rating of 4 / 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 6 / 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 11.26 and the Price/Book (PB) ratio is 3.59.
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% in the next year.