PRI Stock - Primerica, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $3.09B | $2.75B | $2.66B | $2.71B | $2.22B |
| Gross Profit | $1.31B | $1.10B | $1.03B | $1.06B | $780.76M |
| Gross Margin | 42.3% | 40.1% | 38.9% | 39.0% | 35.2% |
| Operating Income | $939.25M | $771.74M | $718.66M | $643.53M | $506.73M |
| Net Income | $470.52M | $576.60M | $472.07M | $477.36M | $386.16M |
| Net Margin | 15.2% | 21.0% | 17.8% | 17.6% | 17.4% |
| EPS | $13.73 | $15.97 | $12.37 | $9.44 | $9.60 |
Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings Products; Senior Health; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities. The Senior Health segment offers segregated funds; and medicare advantage and supplement products. The Corporate and Other Distributed Products segment provides mortgage loans; prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters; ID theft defense services; auto and homeowners' insurance; home automation solutions; and insurance products, including supplemental health, accidental death, and disability for small businesses. It distributes and sells its products through a network of 129,515 licensed sales representatives. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 23rd 2025 | BMO Capital Markets | Upgrade | Outperform | $318 |
| January 23rd 2025 | BMO Capital Markets | Initiation | Market Perform | $311 |
| October 9th 2024 | TD Cowen | Initiation | Buy | $314 |
| August 30th 2024 | Piper Sandler | Initiation | Neutral | $283 |
| February 12th 2024 | Raymond James | Downgrade | Market Perform | - |
| April 13th 2023 | Raymond James | Initiation | Strong Buy | $244 |
| November 10th 2022 | William Blair | Downgrade | Market Perform | - |
| May 19th 2022 | Morgan Stanley | Downgrade | Equal Weight | $148← $153 |
Earnings History & Surprises
PRIEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 5, 2026 | — | — | — | — |
Q1 2026 | Feb 10, 2026 | $5.63 | — | — | — |
Q4 2025 | Nov 5, 2025 | $5.52 | $6.33 | +14.7% | ✓ BEAT |
Q3 2025 | Aug 6, 2025 | $5.18 | $5.46 | +5.4% | ✓ BEAT |
Q2 2025 | May 7, 2025 | $4.78 | $5.02 | +5.0% | ✓ BEAT |
Q1 2025 | Feb 11, 2025 | $4.81 | $5.03 | +4.6% | ✓ BEAT |
Q4 2024 | Nov 6, 2024 | $4.81 | $5.68 | +18.1% | ✓ BEAT |
Q3 2024 | Aug 7, 2024 | $4.45 | $4.71 | +5.8% | ✓ BEAT |
Q2 2024 | May 6, 2024 | $4.12 | $3.91 | -5.1% | ✗ MISS |
Q1 2024 | Feb 13, 2024 | $4.27 | $4.25 | -0.5% | ✗ MISS |
Q4 2023 | Nov 7, 2023 | $4.03 | $4.28 | +6.2% | ✓ BEAT |
Q3 2023 | Aug 7, 2023 | $3.81 | $3.99 | +4.7% | ✓ BEAT |
Q2 2023 | May 8, 2023 | $3.47 | $3.49 | +0.6% | ✓ BEAT |
Q1 2023 | Feb 23, 2023 | $2.93 | $3.49 | +19.1% | ✓ BEAT |
Q1 2023 | Feb 23, 2023 | — | $0.77 | — | — |
Q4 2022 | Nov 8, 2022 | $3.00 | $3.02 | +0.7% | ✓ BEAT |
Q4 2022 | Nov 8, 2022 | — | $0.65 | — | — |
Q3 2022 | Aug 8, 2022 | $3.02 | $2.86 | -5.3% | ✗ MISS |
Q2 2022 | May 5, 2022 | $2.73 | $2.11 | -22.7% | ✗ MISS |
Q1 2022 | Feb 14, 2022 | $3.18 | $2.94 | -7.5% | ✗ MISS |
Latest News
Primerica Announces $475M Share Repurchase Program For 2026
📈 PositiveMorgan Stanley Maintains Equal-Weight on Primerica, Lowers Price Target to $301
➖ NeutralKeefe, Bruyette & Woods Maintains Market Perform on Primerica, Lowers Price Target to $315
➖ NeutralPrimerica Q3 Adj. EPS $6.33 Beats $5.53 Estimate, Sales $839.852M Beat $823.508M Estimate
📈 PositiveMorgan Stanley Maintains Equal-Weight on Primerica, Lowers Price Target to $306
➖ NeutralPrimerica shares are trading higher after BMO Capital upgraded the stock from Market Perform to Outperform and raised its price target from $292 to $318.
📈 PositiveBMO Capital Upgrades Primerica to Outperform, Raises Price Target to $318
📈 PositiveMorgan Stanley Maintains Equal-Weight on Primerica, Raises Price Target to $308
📈 PositiveFrequently Asked Questions about PRI
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