logo
Twitter
Discord
Email
logo
Primerica, Inc.

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
$8.49B
P/E (TTM)
11.9
14.8
Dividend Yield
1.6%
52W High
$298.75
52W Low
$230.98
52W Range
52%
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

Q3 2025 Data

Revenue

$839.77M+6.30%
4-Quarter Trend

EPS

$6.36+31.41%
4-Quarter Trend

FCF

$215.15M+11.35%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Total Revenue Growth Strong Total revenues reached 2.44B USD for nine months, marking an 8% increase driven by commissions and net premiums.
Investment Segment Income Rises Investment and Savings segment income grew 15.7% to 254.9M USD for nine months, reflecting strong asset value growth.
Term Life Income Marginally Higher Term Life segment income from continuing operations increased 2.1% to 474.5M USD for nine months ended September 30, 2025.
Significant Share Repurchases Executed Repurchased 480.4M shares in Q3 2025 for $346.3M, utilizing capital under the authorized $450.0M Share Repurchase Program.

Risk Factors

Sales Force Recruitment Failure Failure to attract or retain independent sales representatives materially adversely affects distribution structure and future business growth.
Regulatory Scrutiny on Model CSA is closely examining the Principal Distributor funds model; future amendments could require modifications impacting commission structure.
Actuarial Assumption Variances Differences between actual mortality, persistency, and disability experience versus assumptions impact LFPB and financial results.
Canadian Currency Volatility Changes in the Canadian dollar exchange rate significantly affect consolidated USD reported revenues, expenses, and assets.

Outlook

Conservative Investment Strategy Conservative strategy emphasizes asset preservation and liquidity, maintaining limits on asset type, duration, and issuer concentrations.
Reinsurance Practice Intentions Intends to continue ceding approximately 90% of mortality risk on new business using YRT reinsurance arrangements.
Sufficient Liquidity Position Anticipates cash flows from businesses will provide sufficient operating liquidity over the next 12 months; Parent cash was 370.2M USD.
Sales Force Licensing Trends Licensing activity remained comparable to historical levels in 2025, despite lower new recruit numbers compared to 2024.

Peer Comparison

Revenue (TTM)

Lincoln National CorporationLNC
$19.35B
+55.8%
Citizens Financial Group, Inc.CFG
$12.02B
-3.9%
Globe Life Inc.GL
$5.94B
+3.7%

Gross Margin (Latest Quarter)

MARA Holdings, Inc.MARA
82.9%
+133.8pp
Old National BancorpONB
66.4%
+7.4pp
Popular, Inc.BPOP
65.9%
+6.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CFG$26.12B15.46.8%4.8%
GL$11.06B10.121.1%8.9%
WTFC$9.77B12.411.6%6.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.5%
Moderate Growth
4Q Net Income CAGR
7.4%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 10, 2026
|
EPS:$5.68
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $839.77M+6.3%
    |
    EPS: $6.36+31.4%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $793.27M-1.7%
    |
    EPS: $5.41+17184.3%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $804.84M+7.1%
    |
    EPS: $5.06+28.4%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 28, 2025|
    Revenue: $3.09B+12.4%
    |
    EPS: $13.73-14.0%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $790.04M+11.1%
    |
    EPS: $4.84+14.4%
    Meet

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 8, 2024|
    Revenue: $806.61M+17.2%
    |
    EPS: $0.03-99.2%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $751.74M+8.9%
    |
    EPS: $3.94+16.2%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 28, 2024|
    Revenue: $2.82B+3.4%
    |
    EPS: $15.97+29.1%
    Meet