Primerica Inc (PRI)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 320.00 $ — 96% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
Uses AIPrimerica nennt im Geschäftsbericht 2025 den Einsatz von KI-Technologien ausdrücklich als laufendes Vorhaben zur Effizienzsteigerung in den eigenen Prozessen und in den Software-Werkzeugen für Kunden und selbstständige Vertreter. Ein KI-Produkt verkauft der Konzern nicht; im Risikoteil erscheint KI zugleich als Gefahr durch besser digitalisierte Wettbewerber, durch Deepfake-Betrug gegen Kundenkonten und durch ein unsicheres Regulierungsumfeld.
View the full file — quotes, sources, reviewed filings
„Business initiatives that we are currently developing or executing, for example, include enhancements to information technology, our client relationship manager tool, updates to our client and independent sales representative-facing software tools and applications, implementation of AI technologies to improve efficiencies and streamlining of our communications systems."
Zu den Geschäftsvorhaben, die wir derzeit entwickeln oder umsetzen, zählen beispielsweise Verbesserungen der Informationstechnik, unseres Werkzeugs zur Kundenbetreuung, Aktualisierungen unserer Software-Anwendungen für Kunden und selbstständige Vertreter, der Einsatz von KI-Technologien zur Effizienzsteigerung sowie die Straffung unserer Kommunikationssysteme.
„Likewise, malefactors are also increasingly using AI to target individuals to gain access to consumer accounts, such as through „deep fakes“ and impersonations. AI may also be used to increase the frequency and severity of cybersecurity attacks against us or our third-party service providers."
Ebenso setzen Übeltäter zunehmend KI ein, um Einzelpersonen ins Visier zu nehmen und Zugang zu Verbraucherkonten zu erlangen, etwa über „Deepfakes“ und Identitätsvortäuschung. KI kann auch genutzt werden, um Häufigkeit und Schwere von Cyberangriffen gegen uns oder unsere externen Dienstleister zu erhöhen.
Filings Reviewed: 10-K 2026-02-27 · 10-Q 2026-05-07 · 10-Q 2025-11-06 · 10-Q 2025-08-07 · 10-Q 2025-05-08 · 10-K 2025-02-28
Rated on July 28, 2026 · How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 6.7% failed
- More than 10% revenue growth is expected for the coming year 4.6% failed
- Share count grows by less than 3% a year -5.0% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 31.6% failed
- Gross margin at 40% or higher and without meaningful erosion 80.5% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 163 m net cash passed
- Operating cash flow covers the profits of the last three years 657 m passed
- Return on capital at 15% or higher, or up versus two years ago 6.8% passed
- Insiders hold at least 10% or are net buyers 0.6% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 0.7% below the current price.
- Consensus
- Hold
- Analyst Ratings
- 9
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 24.68 | 24.28 – 25.00 | 3,523 | 7.7% | 8 |
| 12/31/2027 | 26.79 | 26.43 – 27.25 | 3,696 | 8.6% | 8 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 5.96 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 4.89 | 13.20 | 788 | 8.50 | 21.20 | 271 | 268 |
| 2025: Q1 | 5.07 | 28.50 | 805 | 9.40 | 21.00 | 198 | 189 |
| 2025: Q2 | 5.42 | 15,811.20 | 793 | 0.30 | 22.50 | 163 | 159 |
| 2025: Q3 | 6.37 | 31.40 | 840 | 8.50 | 24.60 | 203 | 215 |
| 2025: Q4 | 6.15 | 25.90 | 838 | 6.40 | 23.50 | 338 | 330 |
| 2026: Q1 | 5.99 | 18.20 | 857 | 6.50 | 22.20 | 157 | 148 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 1,519 | 219 | 219 | 4.62 | 292 | 1,221 | 11,439 |
| 2017 | 1,689 | 408 | 350 | 7.67 | 389 | 1,419 | 12,461 |
| 2018 | 1,900 | 445 | 324 | 7.37 | 478 | 1,462 | 12,595 |
| 2019 | 2,053 | 477 | 366 | 8.66 | 486 | 1,652 | 13,689 |
| 2020 | 2,218 | 507 | 386 | 9.61 | 643 | 1,836 | 14,905 |
| 2021 | 2,710 | 644 | 477 | 12.04 | 657 | 2,083 | 16,123 |
| 2022 | 2,657 | 719 | 472 | 12.39 | 758 | 1,722 | 15,349 |
| 2023 | 2,749 | 772 | 577 | 16.00 | 693 | 2,066 | 15,028 |
| 2024 | 3,089 | 1,027 | 471 | 13.76 | 862 | 2,259 | 14,582 |
| 2025 | 3,226 | 975 | 751 | 22.99 | 901 | 2,446 | 15,012 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Primerica, Inc. bietet mit ihren Tochtergesellschaften Finanzprodukte und -dienste für Haushalte mit mittlerem Einkommen in den USA und Kanada an.
| Employees | 2,301 |
|---|---|
| Headquarters | Duluth, GA |
| Address | 1 Primerica Parkway, 30099 Duluth, United States |
| Phone | 770 381 1000 |
| Website | primerica.com |
| IPO Date | 1. Apr 2010 |
| ISIN | US74164M1080 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Glenn Jackson Williams | CEO & Director | 1959 |
| Peter Wayne Schneider | President | 1956 |
| Tracy Xiangyan Tan | Executive VP & CFO | 1971 |
| Robert Hudson Peterman Jr. | Executive VP & COO | 1966 |
| Nicholas Adam Jendusa | Chief Accounting Officer, Executive VP & Controller | 1982 |
| Nicole McIntosh-Russell | Senior Vice President of Investor Relations | – |
| Brett Allan Rogers J.D. | Executive VP & General Counsel | 1965 |
| Julie Anne Seman | Executive VP and Chief Marketing & Innovation Officer | 1970 |
| Lisa Abraham Brown | Executive VP & Chief People Officer | 1970 |
| Michael Craig Adams | Executive Vice President of Special Strategic Projects | 1957 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.