Primerica (PRI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Primerica

NYSE•Financial Services•Insurance - Life

$290.59+0.26(<0.01%)Market closed

Market Cap

$9.07B

P/E

11.4x

P/S

2.6x

P/B

3.6x

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.

How this company scores

ExcellentMetricSide Score: 92/100

Strongest: Profitability (25/25); weakest: Growth (21/25).

Profitability25/25

Growth21/25

Balance Sheet & Red Flags23/25

Cash & Earnings Quality23/25

Strengths

Strong marginsHigh ROERising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.4x5y range 10.1x – 19.6x

Currently near its 20-quarter median.

P/S · 2.6x5y range 1.6x – 3.1x

Currently near its 20-quarter median.

P/B · 3.6x5y range 2.6x – 4.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 22.6% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Price & Volume

Market Cap $9.07B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $3.43B
Q. Revenue: $865.07M
TTM EBITDA: $1.05B
TTM Op. Income: $1.03B
Q. Op. Income: $258.22M
TTM Net Income: $796.21M
Q. Net Income: $202.28M
EPS: $6.46
Shares Out.: $31.20M

$3.43B in TTM revenue grew 9.2% YoY, reaching $865.07M last quarter. TTM EBITDA of $1.05B and TTM operating income of $1.03B show growth is flowing through to the bottom line. TTM net income of $796.21M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 4 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 30.3%
Op. Margin: 29.8%
Net Margin: 23.4%

Op. margin of 29.8% is up 0.3% YoY — cost efficiency is improving. Net margin at 23.4% Over the past year, operating margin is up 1% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.4x
P/S Ratio: 2.6x
P/B Ratio: 3.6x

At 11.4x P/E, the stock trades below typical market levels. P/S of 2.6x and P/B of 3.6x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 14% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $14.78B
Cash: $600.18M
Long-Term Debt: $595.72M
Book Value: $2.52B
D/E Ratio: 0.2
Debt/EBITDA: 2.3

With $14.78B in assets and $595.72M in long-term debt, D/E is 0.2and book value is $2.52B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $193.82M
TTM Free Cash Flow: $891.75M
FCF Margin: 26.0%
FCF / Net Income: 1.1

TTM FCF of $891.75M on $193.82M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 6% — an improving trend.