Primerica, Inc. logo

Primerica, Inc.

PRI

NYSEFinancial ServicesInsurance - Life

Previous close

$295.82

−$2.04 · -0.68%

Aug 21, 4:00 PM ET

PRI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

49

Fair Value

Momentum

62

Gaining

Sentiment

68

Bullish

Risk resilience

81

Low Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
US
CEO
Glenn Jackson Williams
Listed since
Apr 1, 2010
Employees
2,309

Market position

Day range

Current $295.82

52-week range

Current $295.82

Open
$298.89
Previous close
$297.86
Volume
118.3K
0.61× average
Average volume
193.55K
Average daily volume
Market cap
9.22B USD
Beta
0.87
Market reference 1
50-day average
$303.07
-2.39% below average
200-day average
$272.31
+8.64% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
9.49B USD
EV / EBITDA
9.33×
Earnings yield
8.91%
Free cash flow yield
10.38%

Profitability & efficiency

Return on equity
30.71%
Return on assets
5.00%
Return on invested capital
5.26%

Financial health

Current ratio
6.59×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends87%61%35%9%Gross margin, FY2021: 38.97%Gross margin, FY2022: 38.89%Gross margin, FY2023: 40.13%Gross margin, FY2024: 42.34%Gross margin, FY2025: 80.52%Operating margin, FY2021: 23.75%Operating margin, FY2022: 27.04%Operating margin, FY2023: 28.08%Operating margin, FY2024: 30.40%Operating margin, FY2025: 30.21%Net margin, FY2021: 17.62%Net margin, FY2022: 17.76%Net margin, FY2023: 20.98%Net margin, FY2024: 15.23%Net margin, FY2025: 23.29%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 38.97%. Gross margin FY2022 38.89%. Gross margin FY2023 40.13%. Gross margin FY2024 42.34%. Gross margin FY2025 80.52%. Operating margin FY2021 23.75%. Operating margin FY2022 27.04%. Operating margin FY2023 28.08%. Operating margin FY2024 30.40%. Operating margin FY2025 30.21%. Net margin FY2021 17.62%. Net margin FY2022 17.76%. Net margin FY2023 20.98%. Net margin FY2024 15.23%. Net margin FY2025 23.29%.

Income trends

Revenue

3.23B USD+4.43%

Operating income

974.56M USD+3.76%

Net income

751.23M USD+59.66%
Income trends across reported periods3.5B USD2.4B USD1.3B USD194.96M USDRevenue, FY2021: 2.71B USDRevenue, FY2022: 2.66B USDRevenue, FY2023: 2.75B USDRevenue, FY2024: 3.09B USDRevenue, FY2025: 3.23B USDOperating income, FY2021: 643.53M USDOperating income, FY2022: 718.66M USDOperating income, FY2023: 771.74M USDOperating income, FY2024: 939.25M USDOperating income, FY2025: 974.56M USDNet income, FY2021: 477.36M USDNet income, FY2022: 472.07M USDNet income, FY2023: 576.6M USDNet income, FY2024: 470.52M USDNet income, FY2025: 751.23M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 2.71B USD. Revenue FY2022 2.66B USD. Revenue FY2023 2.75B USD. Revenue FY2024 3.09B USD. Revenue FY2025 3.23B USD. Operating income FY2021 643.53M USD. Operating income FY2022 718.66M USD. Operating income FY2023 771.74M USD. Operating income FY2024 939.25M USD. Operating income FY2025 974.56M USD. Net income FY2021 477.36M USD. Net income FY2022 472.07M USD. Net income FY2023 576.6M USD. Net income FY2024 470.52M USD. Net income FY2025 751.23M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue3.23B USD3.09B USD2.75B USD2.66B USD2.71B USD
Cost of goods sold628.54M USD1.78B USD1.65B USD1.62B USD1.65B USD
Gross profit2.6B USD1.31B USD1.1B USD1.03B USD1.06B USD
Selling, general, and administrative950.39M USD
Operating expenses1.62B USD368.64M USD331.23M USD314.71M USD412.4M USD
Interest expense23.96M USD25.03M USD26.59M USD27.24M USD30.62M USD
Depreciation and amortization19.25M USD23.4M USD31.96M USD34.17M USD29.84M USD
Operating income974.56M USD939.25M USD771.74M USD718.66M USD643.53M USD
Net income751.23M USD470.52M USD576.6M USD472.07M USD477.36M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
22.91
FY2025 · +67.10% year over year
Latest fiscal-year revenue
3.23B USD
FY2025 · +4.43% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend24.2618.8613.478.07FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend3.28B3.06B2.83B2.6BFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$279.5

5.52% downside
Past 12 months12-month forecastHigh $291Average $279.5Low $268

Recent analyst actions

8 institutions
BMO CapitalupgradeMarket PerformOutperform
Piper SandlermaintainNeutral
Raymond JamesdowngradeStrong BuyMarket Perform

PRI news

PRI peers

ETFs holding PRI

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research PRI

research.disclaimer