Stock AnalizPrimerica, Inc. PRI
Life Insurance · IPO 2010 · data as of November 13, 2026
Primerica, Inc. (PRI) is a financial company listed in the US with a market value of about $8.9B. In the twelve months to September 30, 2026 it had revenue of $3.5B and net income of $796M, a net margin of 22.8%.
Its overall Stock Analiz score is 3.8 out of 5 (good). The strongest part is value (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 11.6, a price to free cash flow of 9.5, 5-year revenue growth of 8% a year, a 5-year average ROIC of 31%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 24% above the current price.
Score: 3.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.5B | $3.3B | $3.1B | $2.7B | $2.7B | $2.7B | $2.2B | $2.1B | $1.9B | $1.7B | $1.5B |
| Net income | $796M | $749M | $471M | $577M | $472M | $477M | $386M | $366M | $324M | $350M | $219M |
| Free cash flow | $933M | — | — | — | — | — | — | — | — | — | — |
| EPS (diluted) | $25.30 | $22.91 | $13.71 | $15.94 | $12.33 | $11.99 | $9.57 | $8.62 | $7.33 | $7.61 | $4.59 |
| Net margin | 22.8% | 22.8% | 15.2% | 21.0% | 17.8% | 17.6% | 17.4% | 17.8% | 17.1% | 20.7% | 14.4% |
| ROIC | — | — | — | 22.5% | 21.6% | 50.1% | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $324.00, 10% above the current price; targets range from $276.00 to $360.00; the consensus rating is “Buy”; expected EPS is $25.45 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Primerica’s P/E ratio?
About 11.6, based on the last twelve months of diluted earnings per share (forward P/E about 11.1).
Is Primerica stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 24% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Primerica pay a dividend?
Yes. The dividend yield is about 1.62%, and it has paid dividends for 10 years in our data.
Is Primerica a good stock to buy?
We do not give buy or sell advice. Primerica scores 3.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.