QualityDipStocks / Finance · Life Insurance
Primerica PRI
Outside our quality screen, so we don’t track its dips. It’s 14% below its 52-week high.
Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- $289.13price −3%
- Off 52-wk high
- −14%
- Risk vs market
- Lowbeta 0.20
4 bullish · 3 bearish See why
Key levels
Every level vs today’s $281.09
- 52-wk lowlowest close, 1 year$245.55−12.6%
- PriceFri Oct 30 close$281.09you are here
- Market Valueavg paid since Aug 5$289.13+2.9%
- 52-wk highhighest close, 1 year$326.41+16.1%
Fair value estimate
Estimate unreliable for PRI: returns on book are very high (33% a year, above the 30% our model allows), which means most of the value sits in a fee or brand business that book value doesn't capture. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 30 to Oct 30, 252 sessions). Beta = how much PRI moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Has moved mostly independently of the market, but its own price swings are 1.6× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.20
- Volatility
- 21% vs 13% SPY
- Correlation SPY
- 0.13
- Correlation QQQ
- −0.07
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
GrowthDiluted EPS grew 67% to $22.91 in FY2025.
Cash returnsShare count down 5.1% in a year: $473M of buybacks over 12 months.
ProfitabilityReturn on equity of 33% over the last 12 months.
GrowthSales grew 9% to $3.4B over the last 12 months vs the 12 months before (SEC filings).
Top bearish points 3 of 5
ValuationPrice / book of 3.4×, above the 1.8× median for the 143 Finance companies we cover.
GrowthSales grew 7.4% a year over the last three fiscal years, below the 9.3% median for the 144 Finance companies we cover.
RiskReports earnings Nov 4 (consensus EPS $6.39): results can move the price sharply and reset Market Value.
Who’s talking about it
Notable investors, executives, analysts and public figures on Primerica in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 1, 9:09 PM ET.
Compare with peers
Closest in size in Life Insurance
All fundamentals
P/E 11.0 · ROE 33% · Sales +9%
Valuation
- P/E
- 11.0×Finance median 13.5×
- Price / FCF
- n/acash flow isn't a clean measure for an insurer
- FCF yield
- n/acash flow isn't a clean measure for an insurer
- EV / EBITDA
- n/anot meaningful for an insurer
- Price / sales
- 2.54×
- Price / book
- 3.45×
- Market cap
- $8.7Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $3.4B
- Sales growth, 12 months
- +8.6%vs the 12 months before
- Sales growth, 3 yrs
- +7.4%/yrfrom FY2022
- Diluted EPS, 12 months
- $24.88
- EPS growth, last FY
- +67.1%
- Net income, 12 months
- $794M
- Net income growth
- +12%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for an insurer
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 23.1%
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- 33%
- Return on invested capital
- n/anot meaningful for an insurer
Balance sheet
- Cash & short-term inv.
- $600M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for an insurer
- Debt / equity
- n/adeposits/float make debt/equity not comparable for an insurer
- Interest coverage
- n/anot meaningful for an insurer
Cash flow & returns
- Free cash flow, 12 months
- n/anot reported in its SEC filings
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 1.64%$143M paid
- Payout ratio
- 18%
- Buybacks, 12 months
- $473M5.4% of market cap
- Share count, 1 year
- −5.1%diluted shares vs a year ago
- Stock-based comp
- $25M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Primerica’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
Valuation details
MV $289.13
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Momentum & 52-week range
RSI 50 · 5 days +2.4%
The business
Sales +9%
- Return on equity33%
- Sales growth (latest quarter vs year-ago quarter)+9%
Next report
Nov 4
- DateWed Nov 4, after the close
- Consensus EPS$6.39
- Year-ago EPS$6.33
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.
PRI is outside our quality screen
One text when a published rule fires on one of the 333 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.