Primerica, Inc. (PRI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 2,218 | 2,710 | 2,657 | 2,749 | 3,089 | 3,226 | 3,400 | 3,531 |
| Operating profit | $m | 975 | 1,026 | ||||||
| Net profit | $m | 386 | 477 | 472 | 577 | 471 | 751 | 796 | 825 |
| EPS reported | $ | 22.91 | 24.90 | ||||||
| Operating cashflow per share | $ | 27.62 | 28.59 | ||||||
| Capex per share | $ | 0.80 | 1.03 | ||||||
| FCF per share | $ | 26.82 | 27.56 | ||||||
| Free cash flow | $m | 875 | 860 | ||||||
| Net debt | $m | -212 | -9 | ||||||
| Book value equity | $m | 2,446 | 2,523 | ||||||
| Book value per share | $ | 74.84 | 80.77 | ||||||
| Number of shares | m | 32.68 | 31.24 | ||||||
| DPS (TTM paid) | $ | 4.16 | 4.64 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.28 | 11.07 | ||||||
| P/B LTM | x | 3.45 | 3.34 | ||||||
| P/S LTM | x | 2.61 | 2.48 | ||||||
| P/FCF LTM | x | 9.63 | 9.81 | ||||||
| EV/EBITDA LTM | x | 9.33 | 8.27 | ||||||
| EV/Sales LTM | x | 2.94 | 2.89 | ||||||
| Earnings Yield LTM | % | +8.87% | +9.03% | ||||||
| FCF Yield | % | +10.38% | +10.20% | ||||||
| Quality | |||||||||
| ROE | % | +30.71% | +32.55% | ||||||
| ROIC | % | +5.26% | +9.81% | ||||||
| Operating margin | % | +30.21% | +30.19% | ||||||
| Gross margin | % | +80.52% | +72.14% | ||||||
| FCF/Sales | % | +27.13% | +25.28% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +67.10% | +81.62% | ||||||
| Sales Growth YoY | % | +4.43% | +10.06% | ||||||
| Net Income Growth YoY | % | +59.66% | +69.22% | ||||||
| FCF Growth | % | +5.07% | +3.21% | ||||||
| Operating Profit Growth | % | +3.76% | +9.28% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.61% | +1.43% | ||||||
| Dividend Growth | % | +26.06% | +40.61% | ||||||
| Payout Ratio | % | +18.17% | +17.99% | ||||||
| FCF/Debt | x | 0.48 | 1.34 | ||||||
| Net Debt/EBITDA | x | 1.05 | 0.04 | ||||||
| EBIT/Net interest | x | 40.68 | 26.92 | ||||||
| Net debt/market cap | % | +21.00% | +6.09% | ||||||
| Net debt/Equity | x | -0.09 | -0.00 | ||||||
| Gross debt/equity | x | 0.74 | 0.25 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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