Primerica, Inc.

NYSE•PRI

CEO: Mr. Glenn Jackson Williams

Sector: Financial Services

Industry: Insurance - Life

Listing Date: 2010-04-01

Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings Products; Senior Health; 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. The Senior Health segment offers segregated funds; and medicare advantage and supplement plans. 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. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.

Contact Information

1 Primerica Parkway, Duluth, GA, 30099, United States

770-381-1000

www.primerica.com

Market Cap

$8.33B

P/E (TTM)

11.1

14.1

Dividend Yield

1.7%

52W High

$296.00

52W Low

$230.09

52W Range

47%

Rank7

7.4

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Strong • 7.4 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$838.34M+0.00%

4-Quarter Trend

EPS

$6.14+0.00%

4-Quarter Trend

FCF

$325.66M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Soars 60% Net income reached $751.2M in 2025, marking a substantial 60% increase over prior year results.

Total Revenues Increased 7% Total revenues grew to $3.29B in 2025, driven by strong commissions and fees across segments.

Stockholders Equity Rises Total stockholders' equity increased to $2.45B by year-end 2025, reflecting strong retained earnings growth.

Term Life Face Amount Grows Term life insurance face amount in force reached $967.6B, showing 1% growth due to issued volume exceeding terminations.

Risk Factors

Independent Sales Recruiting Slows New recruits fell to 358,316 in 2025, impacting the next generation of sales force growth potential.

Interest Rate Fluctuation Risk Interest rate fluctuations pose risk; 100 bps rate shift estimates $695M impact on future policy benefits liability.

Contractor Classification Uncertainty Adverse tax, legal, or financial consequences possible if independent sales representatives classification is challenged.

IT System Failure Risk High dependency on IT systems means system failure, security compromise, or internet outage risks material disruption.

Outlook

Strategic Growth Pillars Focus Strategic plan emphasizes understanding client financial challenges and expanding digital experiences for connected conversations.

Sales Force Scalability Confirmed Support systems and technology provide high scalability capacity for large independent sales force growth without overhead increase.

Talent Pipeline Enhancement Executive management focuses on enhancing succession planning and talent pipeline development due to expected senior retirements.

New Share Repurchase Plan Authorized new $475.0M share repurchase program running through December 31, 2026, supporting capital return.

Peer Comparison

Revenue (TTM)

LNC

$18.29B

+1.7%

CFG

$11.15B

-9.7%

$6.00B

+3.8%

Gross Margin (Latest Quarter)

CFG

100.0%

+40.1pp

PRI

80.8%

-1.0pp

ONB

68.6%

+7.5pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CFG	$25.63B	14.1	7.2%	5.0%
GL	$11.52B	10.1	20.6%	8.5%
XP	$10.69B	10.9	22.5%	5.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.4%

Moderate Growth

4Q Net Income CAGR

5.2%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:May 5, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data