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Primerica, Inc. (PRI) stock analysis

PRINYSELife InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 5/3014% above fair value
$295.61−8.52 (-2.80%)

Close on Nov 11, 2026Market cap $9.10BP/E 11.7Yield 1.41%

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth2Performance0Health0Dividend2

Weak5 of 30 checks passed

Primerica passes 5 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
2/6
Past performance
0/6
Financial health
0/6
Dividend
2/6

What stands out

  • EPS growing 10%+ a year

    Diluted EPS grew 22.9% a year over the last three fiscal years.

  • P/E below its 5-year median

    Primerica's P/E of 11.7 is below its own 5-year median of 13.0.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Growing faster than the industry

    Revenue grew 8.3% over the last twelve months; the Life Insurance median is 7.1%.

What to watch

  • Margin of safety under 20%

    The price is 13.7% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $295.61 is above our fair value estimate of $260.09.

  • Revenue growing under 10% a year

    Revenue grew 7.4% a year over the last three fiscal years, short of the 10% we look for.

  • P/E above the industry

    Primerica's P/E of 11.7 is above the Life Insurance median of 10.8.

Valuation1/6

  • P/E below its 5-year median

    Primerica's P/E of 11.7 is below its own 5-year median of 13.0.

  • P/E above the industry

    Primerica's P/E of 11.7 is above the Life Insurance median of 10.8.

  • P/S above the industry

    Primerica's price-to-sales of 2.60 is above the Life Insurance median of 0.67.

  • P/B above the industry

    Primerica's price-to-book of 3.22 is above the Life Insurance median of 1.11.

  • Trading above fair value

    The share price of $295.61 is above our fair value estimate of $260.09.

  • Margin of safety under 20%

    The price is 13.7% above fair value, so there is no margin of safety.

Growth2/6

  • Revenue growing under 10% a year

    Revenue grew 7.4% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 22.9% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 8.3% over the last twelve months; the Life Insurance median is 7.1%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets

    Needs net income and total assets.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin against its history

    Needs five years of revenue and net income.

  • Net margin against the industry

    Needs revenue and net income.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend2/6

  • Pays a dividend

    Primerica paid dividends worth 1.6% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.6% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Primerica yields 1.6%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$260.09

The share price is 14% above this estimate.

20%+ below
Near fair value
20%+ above
$295.61Price$260.09Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E11.9×13.0×10.8×$302.2650%
P/B2.4×3.6×1.1×$217.9250%
Fair value$260.09100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 13.0
  • Life Insurance median 10.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$57.07M
Value traded per 1% price move
$54.45M

Downside

Low risk

Typical loss in a bad month
8.7%
Volatility (annualized)
21%
Sharpe ratio, 1 year
0.55
Beta to the S&P 500 (5Y)
0.77

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Gross margin

–

Net margin

–

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