Primerica Inc

PRI · NYSE · Financial Services / Insurance - Life

293.39USD+1.43 (+0.49%)

Price History

Full chart

Market Stats

Previous Close291.96

Open295.12

Day Range290.84 – 297.82

52-Week Range227.14 – 325.96

Volume156.30K

Market Cap8.48B

P/E (TTM)11.07

Forward P/E14.04

EPS24.89

Dividend Yield1.74%

Beta0.85

50-Day Avg301.31

200-Day Avg276.45

About

Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. It operates in three segments: Term Life Insurance; Investment and Savings Products; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities; and offers segregated funds. The Corporate and Other Distributed Products segment provides mortgage loans; prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters; ID theft defense services; auto and homeowners' insurance; home automation solutions; and insurance products, including supplemental and accidental death, and disability insurance. It distributes and sells its products through licensed sales representatives to middle-income households. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.

Company Details

SectorFinancial Services
IndustryInsurance - Life
CEOMr. Glenn Jackson Williams
Employees2.30K
Headquarters1 Primerica Parkway, Duluth, GA, United States, 30099, USA
Websitehttps://www.primerica.com

Leadership

Mr. Glenn Jackson WilliamsCEO & Director · b. 1959
Mr. Peter Wayne SchneiderPresident · b. 1956
Ms. Tracy Xiangyan TanExecutive VP & CFO · b. 1971
Mr. Robert Hudson Peterman Jr.Executive VP & COO · b. 1966
Mr. Nicholas Adam JendusaChief Accounting Officer, Executive VP & Controller · b. 1982
Ms. Nicole McIntosh-RussellSenior Vice President of Investor Relations
Mr. Brett Allan Rogers J.D.Executive VP & General Counsel · b. 1965
Ms. Julie Anne SemanExecutive VP and Chief Marketing & Innovation Officer · b. 1970
Ms. Lisa Abraham BrownExecutive VP & Chief People Officer · b. 1970
Mr. Michael Craig AdamsExecutive Vice President of Special Strategic Projects · b. 1957

Financials

Income Statement

Currency: USD	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	2.39B	2.20B	2.22B	1.36B	1.10B	1.19B	1.27B	1.34B	1.41B	1.52B	1.69B	1.90B	2.05B	2.22B	2.71B	2.66B	2.75B	3.09B	3.23B
Growth (%)	-	-8.09%	+1.07%	-38.67%	-19.00%	+7.94%	+6.44%	+5.73%	+4.87%	+8.10%	+11.19%	+12.48%	+8.04%	+8.04%	+22.20%	-1.93%	+3.43%	+12.39%	+4.43%
Cost of Revenue	1.46B	1.08B	981.56M	798.91M	666.26M	164.72M	187.21M	174.36M	174.36M	181.62M	189.30M	229.61M	1.31B	1.44B	1.65B	1.62B	1.65B	25.03M	628.54M
Gross Profit	2.39B	1.11B	1.24B	562.95M	436.83M	1.03B	1.08B	1.17B	1.23B	1.34B	1.50B	1.67B	743.07M	780.76M	1.06B	1.03B	1.10B	3.09B	2.60B
Gross Margin	100.00%	50.71%	55.79%	41.34%	39.60%	86.17%	85.23%	86.99%	87.59%	88.04%	88.79%	87.91%	36.20%	35.21%	38.97%	38.89%	40.13%	100.00%	80.52%
Operating Expense	1.48B	761.05M	478.88M	201.48M	192.92M	726.01M	794.03M	985.83M	1.05B	1.12B	1.09B	1.23B	265.95M	274.03M	412.40M	314.71M	331.23M	2.06B	1.62B
Operating Income	913.17M	353.04M	759.96M	361.47M	243.91M	299.99M	286.22M	179.83M	179.83M	219.41M	408.01M	444.89M	477.11M	506.73M	643.53M	718.66M	771.74M	1.03B	974.56M
Operating Margin	38.20%	16.07%	34.23%	26.54%	22.11%	25.19%	22.58%	13.42%	12.80%	14.44%	24.16%	23.42%	23.25%	22.85%	23.75%	27.04%	28.08%	33.24%	30.21%
EBITDA	925.59M	365.97M	770.30M	392.40M	282.61M	309.49M	290.83M	179.83M	348.53M	399.76M	1.48B	1.62B	524.22M	553.27M	703.98M	780.07M	830.30M	962.65M	1.02B
EBITDA Margin	38.72%	16.66%	34.69%	28.81%	25.62%	25.99%	22.95%	13.42%	24.80%	26.32%	87.39%	85.48%	25.54%	24.95%	25.98%	29.35%	30.21%	31.16%	31.55%
Net Income	593.63M	167.68M	494.59M	232.46M	157.19M	173.81M	162.72M	181.41M	189.87M	219.41M	350.25M	324.09M	366.39M	386.16M	477.36M	472.07M	576.60M	470.52M	751.23M
Net Income Margin	24.83%	7.63%	22.27%	17.07%	14.25%	14.60%	12.84%	13.54%	13.51%	14.44%	20.74%	17.06%	17.85%	17.41%	17.62%	17.76%	20.98%	15.23%	23.29%
R&D	-	-	-	-	0	0	0	0	0	0	0	-	-	-	-	-	-	-	-
R&D as % of Total Revenue	-	-	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-	-	-	-	-	-	-
Interest Expense	0	0	0	20.87M	27.97M	33.10M	35.02M	34.57M	33.51M	28.69M	28.49M	28.81M	28.81M	28.84M	30.62M	27.24M	26.59M	25.03M	23.96M
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	1.53%	2.54%	2.78%	2.76%	2.58%	2.38%	1.89%	1.69%	1.52%	1.40%	1.30%	1.13%	1.02%	0.97%	0.81%	0.74%

Balance Sheet

Currency: USD	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	12.18B	11.16B	13.23B	9.88B	10.00B	10.32B	10.33B	10.74B	10.61B	11.44B	12.46B	12.60B	13.69B	14.91B	16.12B	15.35B	15.03B	14.58B	15.01B
Total Liabilities	7.40B	7.05B	8.28B	8.45B	8.58B	9.04B	9.11B	9.49B	9.47B	10.22B	11.04B	11.13B	12.04B	13.07B	14.03B	13.63B	12.97B	12.32B	12.57B
Total Equity	4.78B	4.11B	4.94B	1.43B	1.42B	1.28B	1.22B	1.25B	1.15B	1.22B	1.42B	1.46B	1.65B	1.84B	2.08B	1.72B	2.07B	2.26B	2.45B
Cash	625.35M	302.35M	625.26M	126.04M	136.08M	112.22M	149.19M	192.52M	152.29M	211.98M	279.96M	262.14M	256.88M	547.57M	392.50M	489.24M	594.15M	687.82M	756.23M
Total Debt	-	-	-	300.00M	300.00M	374.43M	374.48M	1.24B	1.55B	1.82B	2.31B	1.34B	1.61B	1.77B	2.04B	2.68B	2.04B	1.95B	1.82B
Net Debt	-625.35M	-302.35M	-625.26M	173.96M	163.92M	262.22M	225.29M	402.02M	587.51M	663.43M	829.71M	1.08B	1.35B	1.23B	1.65B	1.59B	1.45B	1.27B	1.06B

Cash Flow

Currency: USD	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: USD	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	607.97M	670.08M	739.08M	41.06M	87.90M	119.98M	187.90M	237.64M	259.09M	292.17M	388.52M	478.07M	485.51M	643.42M	656.96M	757.66M	692.52M	862.09M	901.18M
Investing Cash Flow	118.61M	-562.30M	-357.86M	739.57M	128.70M	66.65M	35.48M	-15.64M	-58.47M	-47.92M	-128.28M	-232.80M	-201.88M	-53.53M	-923.38M	-200.05M	-90.05M	-232.25M	-235.57M
Financing Cash Flow	-336.12M	-436.20M	-56.43M	-1.29B	-207.31M	-211.09M	-184.94M	-175.88M	-235.27M	-185.13M	-193.46M	-261.00M	-290.13M	-301.79M	107.97M	-457.85M	-479.62M	-551.14M	-599.64M
Capital Expenditure	7.48M	4.30M	4.89M	9.86M	3.91M	10.95M	23.82M	7.48M	7.40M	13.67M	6.75M	13.52M	25.44M	27.62M	24.69M	25.80M	33.90M	29.23M	26.05M
Free Cash Flow	600.48M	665.78M	734.19M	31.19M	83.99M	109.03M	164.08M	230.16M	251.69M	278.50M	381.77M	464.55M	460.08M	615.79M	632.27M	731.86M	658.62M	832.86M	875.13M
Dividends Paid	319.30M	422.90M	44.93M	1.50M	7.31M	14.74M	25.06M	26.51M	32.81M	33.37M	35.82M	44.14M	57.63M	64.35M	74.64M	83.78M	93.72M	112.81M	136.05M
FCF to OCF	98.77%	99.36%	99.34%	75.97%	95.55%	90.87%	87.32%	96.85%	97.14%	95.32%	98.26%	97.17%	94.76%	95.71%	96.24%	96.59%	95.11%	96.61%	97.11%
Dividend Paid to FCF	53.17%	63.52%	6.12%	4.82%	8.71%	13.52%	15.27%	11.52%	13.03%	11.98%	9.38%	9.50%	12.53%	10.45%	11.80%	11.45%	14.23%	13.55%	15.55%

Earnings

Report Date	May 6, 2010	Aug 4, 2010	Nov 2, 2010	Feb 8, 2011	May 3, 2011	Aug 2, 2011	Nov 1, 2011	Feb 7, 2012	May 1, 2012	Aug 7, 2012	Nov 7, 2012	Feb 7, 2013	May 7, 2013	Aug 6, 2013	Nov 6, 2013	Feb 10, 2014	May 5, 2014	Aug 6, 2014	Nov 4, 2014	Feb 9, 2015	May 6, 2015	Aug 5, 2015	Nov 4, 2015	Feb 10, 2016	May 4, 2016	Aug 8, 2016	Nov 9, 2016	Feb 8, 2017	May 9, 2017	Aug 8, 2017	Nov 7, 2017	Feb 7, 2018	May 8, 2018	Aug 7, 2018	Nov 6, 2018	Feb 7, 2019	May 7, 2019	Aug 7, 2019	Nov 6, 2019	Feb 11, 2020	Apr 29, 2020	Aug 5, 2020	Nov 4, 2020	Feb 9, 2021	May 5, 2021	Aug 5, 2021	Nov 8, 2021	Feb 14, 2022	May 5, 2022	Aug 8, 2022	Nov 8, 2022	Feb 23, 2023	May 8, 2023	Aug 7, 2023	Nov 7, 2023	Feb 13, 2024	May 6, 2024	Aug 7, 2024	Nov 6, 2024	Feb 11, 2025	May 7, 2025	Aug 6, 2025	Nov 5, 2025	Feb 11, 2026	May 6, 2026	Aug 5, 2026	Nov 4, 2026
EPS Estimate	-	0.41	0.49	0.53	0.58	0.57	0.57	0.61	0.63	0.65	0.68	0.70	0.69	0.72	0.76	0.79	0.82	0.84	0.81	0.85	0.81	0.94	0.94	0.98	0.91	1.06	1.13	1.19	1.16	1.36	1.37	1.43	1.49	1.81	1.86	1.88	1.71	2.13	2.15	2.11	1.95	2.08	2.35	2.49	2.38	2.92	2.98	3.22	2.73	3.09	2.94	2.93	3.47	3.81	4.03	4.27	4.12	4.47	4.81	4.98	4.79	5.20	5.52	5.68	5.48	5.96	6.37
EPS Actual	1.91	0.49	0.54	0.59	0.63	0.59	0.56	0.56	0.62	0.71	0.72	0.69	0.66	0.71	0.78	0.84	0.77	0.88	0.76	0.91	0.80	0.93	0.98	1.01	0.93	1.19	1.22	1.19	1.11	1.36	1.46	1.60	1.47	1.93	1.93	2.01	1.74	2.21	2.26	2.22	2.05	2.44	2.78	2.45	2.44	3.25	2.98	2.94	2.11	2.86	3.02	3.49	3.49	3.99	4.28	4.25	3.91	4.71	5.68	5.03	5.02	5.46	6.33	6.13	5.96	6.41	-
Surprise	-	19.51%	10.20%	11.32%	8.62%	3.51%	-1.75%	-8.20%	-1.59%	9.23%	5.88%	-1.43%	-4.35%	-1.39%	2.63%	6.33%	-6.10%	4.76%	-6.17%	7.06%	-1.23%	-1.06%	4.26%	3.06%	2.20%	12.26%	7.96%	0.00%	-4.31%	0.00%	6.57%	11.89%	-1.34%	6.63%	3.76%	6.91%	1.75%	3.76%	5.12%	5.21%	5.13%	17.31%	18.30%	-1.61%	2.52%	11.30%	0.00%	-8.70%	-22.71%	-7.44%	2.72%	19.11%	0.58%	4.72%	6.20%	-0.47%	-5.10%	5.37%	18.09%	1.00%	4.80%	5.00%	14.67%	7.92%	8.76%	7.55%	-
Timing	-	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap8.48B

Enterprise Value9.66B

Trailing P/E11.07

Forward P/E14.04

PEG Ratio1.07

Price / Sales2.43

Price / Book3.35

EPS24.89

Book Value81.65

Revenue (TTM)3.49B

Gross Profit (TTM)2.51B

EBITDA1.12B

Profit Margin22.84%

Operating Margin31.54%

Return on Equity32.97%

Return on Assets4.66%

Shares Outstanding30.78M

Shares Float30.61M

Beta0.85

Dividend Yield1.74%

Dividend Rate4.80

Payout Ratio18.69%

Analyst Ratings

Hold

Based on 9 analystsTarget 324.50

Strong Buy
2
Hold
7

Ownership Breakdown

Institutions: 96.52%
Insiders: 0.54%
Retail / Other: 2.94%

Top Institutional Holders

Kayne Anderson Rudnick Investment Management LLC
3.07M9.98%
BlackRock Inc
2.99M9.73%
FMR Inc
2.83M9.19%
Vanguard Portfolio Management, LLC
1.83M5.95%
Vanguard Capital Management, LLC
1.43M4.66%
BMO Capital Markets Corp.
1.26M4.09%
State Street Corp
1.00M3.26%
Geode Capital Management, LLC
870.27K2.83%
Brave Warrior Advisors LLC
865.86K2.81%
BAMCO Inc
860.03K2.79%
Bank of Montreal
750.25K2.44%
Dimensional Fund Advisors, Inc.
660.72K2.15%
Fiduciary Management, Inc. of Milwaukee
534.23K1.74%
First Trust Advisors L.P.
528.66K1.72%
Lyrical Asset Management LP
484.83K1.58%

Top Fund Holders

iShares Core S&P Mid-Cap ETF
1.09M3.55%
Vanguard MStar Total Stk Mkt Idx Invest
998.99K3.25%
Vanguard Small Cap Index
722.40K2.35%
Fidelity Low-Priced Stock
464.78K1.51%
Vanguard MStar Small Cap Value Index
458.78K1.49%

Dividends

20263×

1.20Aug 21, 20261.20May 21, 20261.20Feb 23, 2026

20254×

1.04Nov 21, 20251.04Aug 22, 20251.04May 22, 20251.04Feb 21, 2025

20244×

0.90Nov 21, 20240.90Aug 21, 20240.75May 20, 20240.75Feb 20, 2024

20234×

0.65Nov 20, 20230.65Aug 18, 20230.65May 19, 20230.65Feb 17, 2023

20224×

0.55Nov 21, 20220.55Aug 19, 20220.55May 19, 20220.55Feb 18, 2022

20214×

0.47Nov 19, 20210.47Aug 19, 20210.47May 20, 20210.47Feb 19, 2021

20201×

0.40Nov 19, 2020