Stocks · Financial Services · Insurance - Life
Primerica, Inc. PRI
$275.42 +0.25% Close, Oct 2, 2026 · NYSE · Market cap $8.59B
High qualityInexpensive vs sector
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 11.1× trailing earnings, lower than 95% of the company's own readings over the past five years.
- Earnings beat analyst estimates in each of the last 9 quarters (average surprise over the last four: +9.5%).
- Diluted EPS over the last four quarters was $24.90, up 23.0% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth41Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 46%
- EPS growth (TTM, YoY)Top 45%
- FCF growth (TTM, YoY)Bottom 40%
- Revenue growth, 3-year CAGRBottom 20%
- Revenue growth accelerationTop 28%
Quality91Exceptional
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 14%
- Gross marginTop 31%
- Operating marginTop 27%
- Cash conversion (OCF / net income)Bottom 47%
- Accruals (lower is better)Top 38%
- Net debt / EBITDA (lower is better)Top 30%
- Interest coverTop 6%
Value91Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 24%
- Free-cash-flow yieldTop 36%
- EBITDA / enterprise valueTop 16%
- Sales / enterprise valueTop 35%
- P/E vs own 5-year history (lower is better)Top 8%
Momentum32Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 46%
- 6-month returnTop 43%
- 1-year return vs S&P 500Bottom 33%
- Distance from 52-week highBottom 32%
- Trend checklist (0–4)Bottom 27%
Revisions61Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 29%
- Consecutive EPS beatsTop 11%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetBottom 31%
Stability65Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 46%
- Maximum drawdown, 3 yearsTop 27%
- Beta vs S&P 500 (lower is better)Bottom 40%
- Net debt / EBITDA (lower is better)Top 30%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.4% | 7.6% | ↑ |
| EPS growth (YoY) | 60.4% | 23.0% | ↓ |
| Gross margin | 41.5% | 72.1% | ↑ |
| Operating margin | 29.4% | 30.2% | ↑ |
| FCF margin | 25.6% | 25.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.6% | 5.4% | ↑ | Top 46% |
| EPS growth (TTM, YoY) | 23.0% | 60.4% | ↓ | Top 45% |
| Gross margin | 72.1% | 41.5% | ↑ | Top 31% |
| Operating margin | 30.2% | 29.4% | ↑ | Top 27% |
| Net margin | 23.4% | 21.5% | ↑ | — |
| Free-cash-flow margin | 25.3% | 25.6% | ↓ | — |
| Return on invested capital | 9.8% | — | Top 14% | |
| Revenue growth, 3-year CAGR | 6.7% | — | Bottom 20% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.12×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -98.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.04×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 26.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.66%
- Net buyback yield (TTM)
- 5.46%
- Shareholder yield
- 7.13%
- Share count change, 1 year
- -5.1%
- Share count change, 3-year CAGR
- -4.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 9
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +9.5%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $301.33
- Target vs current price
- +9.4%
- Analysts with a rating
- 18
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +6.3% | +0.8% | -1.7% | -8.7% | — |
| May 6, 2026 | +9.4% | -0.2% | -1.3% | -8.1% | +15.3% |
| Feb 11, 2026 | +7.7% | -4.3% | -2.0% | -5.3% | +3.1% |
| Nov 5, 2025 | +14.7% | -2.0% | -1.8% | -2.0% | +1.6% |
| Aug 6, 2025 | +5.4% | +1.2% | +0.1% | +2.0% | -1.3% |
| May 7, 2025 | +5.0% | +1.2% | +2.9% | +1.7% | -1.6% |
| Feb 11, 2025 | +4.6% | -1.0% | -3.7% | -5.3% | -9.0% |
| Nov 6, 2024 | +18.1% | +5.1% | +9.4% | +7.6% | +5.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $6.41 | $6.03 | +6.3% | $865.1M |
| May 6, 2026 | $5.96 | $5.45 | +9.4% | $872.7M |
| Feb 11, 2026 | $6.13 | $5.69 | +7.7% | $853.5M |
| Nov 5, 2025 | $6.33 | $5.52 | +14.7% | $839.8M |
| Aug 6, 2025 | $5.46 | $5.18 | +5.4% | $793.3M |
| May 7, 2025 | $5.02 | $4.78 | +5.0% | $804.8M |
| Feb 11, 2025 | $5.03 | $4.81 | +4.6% | $803.4M |
| Nov 6, 2024 | $5.68 | $4.81 | +18.1% | $790.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.1× | 14.2× | 5th | Top 24% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 7.5× | — | — | Top 16% |
| EV / Sales | 2.54× | — | — | Top 35% |
| Free-cash-flow yield | 10.01% | — | — | Top 36% |
| Earnings yield | 9.04% | — | — | Top 24% |
P/E over the past five years
Range 11.1× – 22.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -0.5%
- Earnings per share growth (TTM)
- +23.0%
- Change in P/E multiple
- +3.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.3%
- 200-day average slope (20 days)
- +1.0%
- Distance from 50-day average
- -7.7%
- Distance from 200-day average
- -0.5%
- RSI (14)
- 34.1
- Relative volume
- 0.82×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.9%
- Volatility vs own 5-year history
- 20th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.80
- Correlation with S&P 500
- 0.52
- Current drawdown from 1-year high
- -15.6%
- Maximum drawdown, 3 years
- -19.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 3, 2021 | Jun 16, 2022 | -37.4% | 155 days | 173 days (Feb 24, 2023) |
| Nov 26, 2024 | Apr 8, 2025 | -19.9% | 89 days | 313 days (Jul 9, 2026) |
| Mar 27, 2024 | Apr 18, 2024 | -18.0% | 15 days | 81 days (Aug 14, 2024) |
| Feb 28, 2023 | Mar 17, 2023 | -17.6% | 13 days | 56 days (Jun 7, 2023) |
| Aug 6, 2026 | Sep 30, 2026 | -16.6% | 38 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $8.59B
- P/E (TTM)
- 11.1
- EPS, diluted (TTM)
- $24.90
- Revenue (TTM)
- $3.40B
- Dividend yield
- 1.68%
- 52-week range
- $230.09 – $327.28
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $2.71B | $2.66B | $2.75B | $3.09B | $3.23B |
| Gross profit | $1.06B | $1.03B | $1.10B | $1.31B | $2.60B |
| Operating income | $643.5M | $718.7M | $771.7M | $939.2M | $974.6M |
| Net income | $477.4M | $472.1M | $576.6M | $470.5M | $751.2M |
| EPS (diluted) | $9.42 | $12.33 | $15.94 | $13.71 | $22.91 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $774.1M | $788.1M | $804.8M | $793.3M | $839.8M | $838.3M | $856.8M | $865.1M |
| Net income | $164.4M | $167.1M | $169.1M | $178.3M | $206.8M | $197.0M | $190.1M | $202.3M |
| EPS (diluted) | $4.83 | $4.96 | $5.05 | $5.40 | $6.35 | $6.13 | $5.97 | $6.45 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $657.0M | $757.7M | $692.5M | $862.1M | $901.2M |
| Capital expenditure | -$24.7M | -$25.8M | -$33.9M | -$29.2M | -$26.1M |
| Free cash flow | $632.3M | $731.9M | $658.6M | $832.9M | $875.1M |
| Dividends paid | -$74.6M | -$83.8M | -$93.7M | -$112.8M | -$136.1M |
| Net share buybacks | -$18.8M | -$356.3M | -$375.1M | -$428.4M | -$450.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $605.1M
- Total assets
- $14.78B
- Total liabilities
- $12.26B
- Total debt
- $642.6M
- Net debt
- $42.4M
- Shareholders’ equity
- $2.52B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 21, 2026 | $1.20 | Sep 14, 2026 |
| May 21, 2026 | $1.20 | Jun 12, 2026 |
| Feb 23, 2026 | $1.20 | Mar 13, 2026 |
| Nov 21, 2025 | $1.04 | Dec 15, 2025 |
| Aug 22, 2025 | $1.04 | Sep 15, 2025 |
| May 22, 2025 | $1.04 | Jun 13, 2025 |
| Feb 21, 2025 | $1.04 | Mar 14, 2025 |
| Nov 21, 2024 | $0.90 | Dec 12, 2024 |
Short interest
- Shares sold short
- 1,206,262
- Days to cover
- 7.46
- Change vs previous report
- +7.5%
FINRA short interest, settlement date Sep 15, 2026.