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
- In the past year PRI was profitable.
- In the past year PRI had a positive cash flow from operations.
- In the past 5 years PRI has always been profitable.
- PRI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.99%, PRI is in the better half of the industry, outperforming 76.19% of the companies in the same industry.
- With an excellent Return On Equity value of 30.61%, PRI belongs to the best of the industry, outperforming 93.20% of the companies in the same industry.
- PRI's Return On Invested Capital of 5.20% is fine compared to the rest of the industry. PRI outperforms 73.47% of its industry peers.
- PRI had an Average Return On Invested Capital over the past 3 years of 4.83%. This is below the industry average of 9.51%.
- 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
- The Profit Margin of PRI (22.75%) is better than 89.12% of its industry peers.
- PRI's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 30.33%, PRI belongs to the top of the industry, outperforming 91.16% of the companies in the same industry.
- 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
- 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.
- Compared to 5 years ago, PRI has less shares outstanding
- 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.
- PRI has a Debt to FCF ratio of 2.02. This is comparable to the rest of the industry: PRI outperforms 48.30% of its industry peers.
- A Debt/Equity ratio of 0.72 indicates that PRI is somewhat dependend on debt financing.
- PRI has a worse Debt to Equity ratio (0.72) than 85.71% 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/WACC0.69
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.
- 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.
- Looking at the last year, PRI shows a small growth in Revenue. The Revenue has grown by 5.90% in the last year.
- Measured over the past years, PRI shows a quite strong growth in Revenue. The Revenue has been growing by 8.18% on average per year.
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.
- PRI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.03% yearly.
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.
- 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.
- The average S&P500 Price/Earnings ratio is at 27.42. PRI is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 11.58, 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 rather cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.2 | ||
| Fwd PE | 11.58 |
4.2 Price Multiples
- 63.95% of the companies in the same industry are more expensive than PRI, based on the Enterprise Value to EBITDA ratio.
- 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 an expensive valuation of the company.
- The decent profitability rating of PRI 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%.
- PRI's Dividend Yield is comparable with the industry average which is at 2.37.
- PRI's Dividend Yield is comparable with the S&P500 average which is at 1.81.
| Industry Rank | Sector 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
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 2Y7.38%
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.