PRI
Neutral signalScored 2026-08-13 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
Primerica, Inc.
- Nom
- Primerica, Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Life
- Bourse
- NYSE
- Capitalisation
- $8.4B
- Employés
- 2,309
- PDG
- Glenn Jackson Williams
- Site web
- https://www.primerica.com
- Marché
- AFLBHFCNOCRBGEQHGL
Primerica Inc., operating with its various subsidiaries, delivers a comprehensive suite of financial services and products primarily aimed at middle-income households throughout the United States and Canada. The company organizes its business into four distinct divisions: Term Life Insurance, Investment and Savings Products, Senior Health, and Corporate & Other Distributed Products. Within its Term Life Insurance division, Primerica focuses on providing individual term life insurance policies. The Investment and Savings Products segment assists clients with a diverse range of options, including mutual funds, various retirement planning vehicles, managed investment solutions, and both variable, fixed, and fixed-indexed annuities. For an older demographic, the Senior Health segment offers segregated funds alongside Medicare Advantage and supplemental insurance plans. The Corporate and Other Distributed Products segment boasts an extensive portfolio, encompassing mortgage lending, prepaid legal services (which cover drafting wills, living wills, powers of attorney, trial defense, and motor vehicle-related legal assistance), and identity theft protection. This segment also extends to auto and homeowners' insurance, innovative home automation systems, and a variety of business insurance products, such as supplemental health, accidental death, and disability coverage designed for small enterprises. Primerica's broad array of offerings is distributed and sold to customers through a vast network of 129,515 licensed sales representatives. Founded in 1927, Primerica Inc. is headquartered in Duluth, Georgia.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 1 779 titres (~567 802,44 $ US)
- Insiders
- Cottle Amber LynneWilliams Glenn J.
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,130,572
Avg sell (VWAP, 90d window) $315.89 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$1,043,070 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-08-11
- Last synced
-
2026-08-21 23:36:53
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-17 | Schneider Peter W. | Sell · S · 10b5-1 | 1,800 | $312.65 | $562,770 | Form 4 |
| 2026-08-11 | Cottle Amber Lynne | Sell · S | 279 | $313.63 | $87,502 | Form 4 |
| 2026-08-10 | Williams Glenn J. | Sell · S · 10b5-1 | 1,500 | $320.20 | $480,300 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-06-18 | Michael McCaul | Sale | $1,001 - $15,000 |
| 2025-09-22 | Michael McCaul | Purchase | $15,001 - $50,000 |
| 2025-02-24 | Jefferson Shreve | Sale (Partial) | $15,001 - $50,000 |
| 2024-08-26 | Michael McCaul | Sale | $1,001 - $15,000 |
| 2024-01-17 | Michael McCaul | Sale | $1,001 - $15,000 |
| 2024-01-17 | Michael McCaul | Sale | $1,001 - $15,000 |
| 2023-11-01 | Michael McCaul | Purchase | $15,001 - $50,000 |
| 2023-11-01 | Michael McCaul | Purchase | $15,001 - $50,000 |
| 2023-09-29 | Michael McCaul | Sale | $15,001 - $50,000 |
| 2023-09-29 | Michael McCaul | Sale | $15,001 - $50,000 |
| 2022-12-14 | Michael McCaul | Sale | $1,001 - $15,000 |
| 2022-08-25 | Michael McCaul | Purchase | $15,001 - $50,000 |
| 2022-08-25 | Michael McCaul | Purchase | $15,001 - $50,000 |
| 2022-05-05 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-04-20 | Michael McCaul | Purchase | $1,001 - $15,000 |
| 2022-04-20 | Michael McCaul | Purchase | $1,001 - $15,000 |
| 2022-02-15 | Michael McCaul | Purchase | $1,001 - $15,000 |
| 2022-02-15 | Michael McCaul | Purchase | $1,001 - $15,000 |
| 2022-01-28 | Michael McCaul | Sale | $1,001 - $15,000 |
| 2022-01-28 | Michael McCaul | Sale | $1,001 - $15,000 |
| 2021-12-14 | Michael McCaul | Sale | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-08-13 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
PRI presents a compelling financial foundation with strong liquidity (90) and improving fundamentals (85), anchored by 80.5% gross margin expansion and consistent deleveraging, which provides a solid floor for the…
The first sentence of the analysis written for PRI on 2026-08-13 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. Purchase disclosures on file are thin
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 6.59 · operating margin 30%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 80.5% | 42.3% | 40.1% | 38.9% | 39.0% | |
| Ebit Margin | 31.0% | 31.2% | 29.0% | 28.1% | 24.9% | |
| Ebitda Margin | 31.5% | 32.0% | 30.2% | 29.4% | 26.0% | |
| Operating Profit Margin | 30.2% | 30.4% | 28.1% | 27.0% | 23.7% | |
| Pretax Profit Margin | 30.2% | 30.4% | 28.1% | 27.0% | 23.7% | |
| Continuous Operations Profit Margin | 23.3% | 23.3% | 21.5% | 20.9% | 17.6% | |
| Net Profit Margin | 23.3% | 15.2% | 21.0% | 17.8% | 17.6% | |
| Bottom Line Profit Margin | 23.3% | 15.2% | 21.0% | 17.8% | 17.5% | |
| Current Ratio | 6.586 | 9.484 | 9.359 | 0.000 | 0.000 | |
| Quick Ratio | 6.586 | 9.484 | 9.359 | 0.000 | 0.000 | |
| Solvency Ratio | 0.061 | 0.040 | 0.047 | 0.040 | 0.036 | |
| Cash Ratio | 1.017 | 0.975 | 0.836 | 0.000 | 0.000 | |
| Price To Earnings Ratio | 11.258 | 19.768 | 12.884 | 11.465 | 16.236 | |
| Price To Earnings Growth Ratio | 0.168 | -1.409 | 0.443 | 0.369 | -9.742 | |
| Forward Price To Earnings Growth Ratio | 0.168 | -1.409 | 0.443 | 0.369 | -9.742 | |
| Price To Earnings Diluted Ratio | 11.277 | 19.797 | 12.908 | 11.502 | 16.271 | |
| Price To Earnings Diluted Growth Ratio | 0.168 | -1.415 | 0.441 | 0.372 | -10.381 | |
| Price To Book Ratio | 3.447 | 4.102 | 3.581 | 2.653 | 2.909 | |
| Price To Sales Ratio | 2.613 | 3.000 | 2.692 | 2.028 | 2.236 | |
| Price To Free Cash Flow Ratio | 9.634 | 11.127 | 11.232 | 7.363 | 9.583 | |
| Price To Operating Cash Flow Ratio | 9.355 | 10.749 | 10.683 | 7.112 | 9.222 | |
| Debt To Assets Ratio | 0.121 | 0.134 | 0.136 | 0.142 | 0.127 | |
| Debt To Equity Ratio | 0.744 | 0.865 | 0.990 | 1.026 | 0.979 | |
| Debt To Capital Ratio | 0.427 | 0.464 | 0.497 | 0.506 | 0.495 | |
| Long Term Debt To Capital Ratio | 0.420 | 0.457 | 0.489 | 0.501 | 0.486 | |
| Financial Leverage Ratio | 6.138 | 6.455 | 7.277 | 7.208 | 7.742 | |
| Working Capital Turnover Ratio | 0.636 | 0.518 | 0.926 | 0.000 | 0.000 | |
| Operating Cash Flow Ratio | 1.212 | 1.222 | 0.975 | 0.000 | 0.000 | |
| Operating Cash Flow Sales Ratio | 0.279 | 0.279 | 0.252 | 0.285 | 0.242 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.971 | 0.966 | 0.951 | 0.966 | 0.962 | |
| Debt Service Coverage Ratio | 33.160 | 30.701 | 20.135 | 22.621 | 11.759 | |
| Interest Coverage Ratio | 40.678 | 37.519 | 29.019 | 26.385 | 21.018 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 122.029 | 0.000 | 43.797 | |
| Operating Cash Flow Coverage Ratio | 0.495 | 0.441 | 0.339 | 0.364 | 0.322 | |
| Capital Expenditure Coverage Ratio | 34.592 | 29.495 | 20.430 | 29.361 | 26.610 | |
| Dividend Paid And Capex Coverage Ratio | 5.559 | 6.069 | 5.427 | 6.914 | 6.614 | |
| Dividend Payout Ratio | 0.181 | 0.240 | 0.163 | 0.177 | 0.156 | |
| Enterprise Value Multiple | 9.329 | 10.664 | 10.657 | 8.952 | 10.946 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 80.5% | ▲38.2% | ▲32.4% |
| Ebit Margin | 30.9% | ▼-0.3% | ▲2.1% |
| Ebitda Margin | 31.6% | ▼-0.4% | ▲1.7% |
| Operating Profit Margin | 30.2% | ▼-0.2% | ▲2.3% |
| Pretax Profit Margin | 30.2% | ▼-0.2% | ▲2.3% |
| Continuous Operations Profit Margin | 23.3% | ▼-0.0% | ▲2.0% |
| Net Profit Margin | 23.3% | ▲8.1% | ▲4.3% |
| Bottom Line Profit Margin | 23.3% | ▲8.1% | ▲4.3% |
| Current Ratio | 6.586 | ▼-2.898 | ▲1.500 |
| Quick Ratio | 6.586 | ▼-2.898 | ▲1.500 |
| Solvency Ratio | 0.061 | ▲0.021 | ▲0.016 |
| Cash Ratio | 1.017 | ▲0.042 | ▲0.451 |
| Price To Earnings Ratio | 11.258 | ▼-8.511 | ▼-3.065 |
| Price To Earnings Growth Ratio | 0.168 | ▲1.577 | ▲2.202 |
| Forward Price To Earnings Growth Ratio | 0.168 | ▲1.577 | ▲2.202 |
| Price To Earnings Diluted Ratio | 11.277 | ▼-8.520 | ▼-3.074 |
| Price To Earnings Diluted Growth Ratio | 0.168 | ▲1.583 | ▲2.331 |
| Price To Book Ratio | 3.447 | ▼-0.655 | ▲0.108 |
| Price To Sales Ratio | 2.613 | ▼-0.387 | ▲0.100 |
| Price To Free Cash Flow Ratio | 9.634 | ▼-1.493 | ▼-0.154 |
| Price To Operating Cash Flow Ratio | 9.355 | ▼-1.394 | ▼-0.069 |
| Debt To Assets Ratio | 0.121 | ▼-0.013 | ▼-0.011 |
| Debt To Equity Ratio | 0.744 | ▼-0.121 | ▼-0.177 |
| Debt To Capital Ratio | 0.427 | ▼-0.037 | ▼-0.051 |
| Long Term Debt To Capital Ratio | 0.420 | ▼-0.037 | ▼-0.051 |
| Financial Leverage Ratio | 6.138 | ▼-0.317 | ▼-0.826 |
| Working Capital Turnover Ratio | 0.636 | ▲0.118 | ▲0.220 |
| Operating Cash Flow Ratio | 1.212 | ▼-0.010 | ▲0.530 |
| Operating Cash Flow Sales Ratio | 0.279 | ▲0.000 | ▲0.012 |
| Free Cash Flow Operating Cash Flow Ratio | 0.971 | ▲0.005 | ▲0.008 |
| Debt Service Coverage Ratio | 33.160 | ▲2.459 | ▲9.485 |
| Interest Coverage Ratio | 40.678 | ▲3.159 | ▲9.754 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-33.165 |
| Operating Cash Flow Coverage Ratio | 0.495 | ▲0.054 | ▲0.103 |
| Capital Expenditure Coverage Ratio | 34.592 | ▲5.096 | ▲6.494 |
| Dividend Paid And Capex Coverage Ratio | 5.559 | ▼-0.510 | ▼-0.557 |
| Dividend Payout Ratio | 0.181 | ▼-0.059 | ▼-0.002 |
| Enterprise Value Multiple | 9.329 | ▼-1.335 | ▼-0.781 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $8.43B | $9.27B | $7.40B | $5.39B | $6.06B | |
| Enterprise value | $9.49B | $10.53B | $8.85B | $6.98B | $7.71B | |
| EV / Sales | 2.94x | 3.41x | 3.22x | 2.63x | 2.84x | |
| EV / Op. cash flow | 10.54x | 12.22x | 12.78x | 9.22x | 11.73x | |
| EV / Free cash flow | 10.85x | 12.65x | 13.44x | 9.54x | 12.19x | |
| EV / EBITDA | 9.33x | 10.66x | 10.66x | 8.95x | 10.95x | |
| Net debt / EBITDA | 1.04x | 1.28x | 1.75x | 2.04x | 2.34x | |
| Current ratio | 6.59x | 9.48x | 9.36x | 0.00x | 0.00x | |
| Income quality | 1.20x | 1.83x | 1.20x | 1.62x | 1.38x | |
| Graham number | $197 | $143 | $144 | $122 | $120 | |
| Graham net-net | -$257 | -$187 | -$199 | -$179 | -$184 | |
| Tax burden | 77.1% | 50.1% | 74.7% | 65.7% | 74.2% | |
| Interest burden | 97.6% | 97.4% | 96.7% | 96.3% | 95.5% | |
| Working capital | $4.15B | $5.99B | $5.94B | $0 | $0 | |
| Invested capital | $8.20B | $9.80B | $9.52B | $406.4M | $489.9M | |
| Return on assets | 5.0% | 3.2% | 3.8% | 3.2% | 3.0% | |
| Operating ROA | 6.6% | 6.3% | 5.2% | 4.7% | 4.1% | |
| Return on tangible assets | 6.8% | 4.3% | 5.0% | 3.3% | 3.0% | |
| Return on equity | 30.7% | 20.8% | 27.9% | 23.2% | 22.9% | |
| Return on invested capital | 5.3% | 5.2% | 4.1% | 0.0% | 3173.2% | |
| Return on capital employed | 6.8% | 6.8% | 5.4% | 4.9% | 4.0% | |
| Earnings yield | 8.9% | 5.1% | 7.8% | 8.8% | 7.9% | |
| Free cash flow yield | 10.4% | 9.0% | 8.9% | 13.6% | 10.4% | |
| Capex / Op. cash flow | 2.9% | 3.4% | 4.9% | 3.4% | 3.8% | |
| Capex / Depreciation | 135.3% | 124.9% | 106.0% | 75.5% | 82.7% | |
| Capex / Sales | 0.8% | 0.9% | 1.2% | 1.0% | 0.9% | |
| SG&A / Sales | 29.5% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.8% | 0.8% | 0.7% | 0.8% | 0.6% | |
| Intangibles / Total assets | 26.4% | 25.5% | 23.2% | 2.1% | 2.3% | |
| Days sales outstanding | 330d | 361d | 440d | 503d | 641d | |
| Days payables outstanding | 288d | 100d | 114d | 121d | 129d | |
| Operating cycle | 330d | 361d | 440d | 503d | 641d | |
| Cash conversion cycle | 42d | 261d | 326d | 382d | 512d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-14 Dividend Champion, Contender, And Challenger Highlights: Week August 16 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-08-08 Primerica Q2 Earnings Call Highlights Primerica NYSE: PRI reported second-quarter results that reflected continued strength in its investment and savings products business, while life insurance sales remained pressured by financial uncertainty among middle-income households.
- 2026-08-06 Primerica, Inc. (PRI) Q2 2026 Earnings Call Transcript Primerica, Inc. (PRI) Q2 2026 Earnings Call Transcript
- 2026-08-06 Amundi Raises Stock Holdings in Primerica, Inc. $PRI Amundi grew its holdings in shares of Primerica, Inc. (NYSE: PRI) by 5.5% in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The fund owned 31,334 shares of the financial services provider''s stock after buying an additional 1,640 shares during the quarter.
- 2026-08-05 Primerica (PRI) Reports Q2 Earnings: What Key Metrics Have to Say The headline numbers for Primerica (PRI) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-08-05 Primerica (PRI) Tops Q2 Earnings Estimates Primerica (PRI) came out with quarterly earnings of $6.41 per share, beating the Zacks Consensus Estimate of $5.96 per share. This compares to earnings of $5.46 per share a year ago.
- 2026-08-05 Primerica Reports Second Quarter 2026 Results DULUTH, Ga.--(BUSINESS WIRE)--PRIMERICA REPORTS SECOND QUARTER 2026 RESULTS.
- 2026-08-04 California State Teachers Retirement System Purchases 6,092 Shares of Primerica, Inc. $PRI California State Teachers Retirement System grew its position in Primerica, Inc. (NYSE: PRI) by 19.5% during the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The fund owned 37,259 shares of the financial services provider''s stock after purchasing an additional 6,092 shares during the quarter.
- 2026-08-01 Primerica, Inc. $PRI Shares Bought by Arrowstreet Capital Limited Partnership Arrowstreet Capital Limited Partnership grew its stake in shares of Primerica, Inc. (NYSE: PRI) by 73.0% in the undefined quarter, according to its most recent filing with the Securities and Exchange Commission. The firm owned 54,407 shares of the financial services provider''s stock after buying an additional 22,949 shares during the period. Arrowstreet
- 2026-07-31 PRIMERICA HOUSEHOLD BUDGET INDEX™ (HBI™): Purchasing Power for Middle-Income Americans Saw Modest Gains in June as Gas Prices Fell DULUTH, Ga.--(BUSINESS WIRE)--The latest Primerica Household Budget Index™ (HBI™) data, a monthly economic metric that examines how inflation and wage trends impact the ability of middle-income families to afford life''s everyday necessities, is estimated at 100.1% in June, up 1.8% from May and up 0.2% from a year ago. The increase in purchasing power was driven primarily by lower gas prices in June. Small declines in health care costs and modest reductions in auto insurance rates also contribut.