Primerica, Inc. (PRI)
Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. It operates in three segments: Term Life Insurance; Investment and Savings Products; 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; and offers segregated funds. 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 and accidental death, and disability insurance. It distributes and sells its products through licensed sales representatives to middle-income households. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.
- Symbol
- PRI
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Insurance - Life
- Market cap
- $8.52B
- 52 week range
- 230.09 - 327.28
Valuation
- Share price
- $274.71 (close of 2026-09-23)
- P/E (TTM)
- 11.06x
- Price to book
- 3.38x
- Price to free cash flow
- 9.55x
- Enterprise value
- $9.63B
- Book value per share
- $81.65
Price performance
| Period | Change |
|---|
| 1 day | -3.78% |
| 5 days | -6.25% |
| 1 month | -7.14% |
| 3 months | -3.18% |
| 6 months | +9.94% |
| Year to date | +6.33% |
| 1 year | -3.81% |
| 3 years | +38.70% |
| 5 years | +82.71% |
| 10 years | +395.06% |
| All time | +1298.02% |
Profitability and growth
- Return on equity
- 30.71%
- Return on assets
- 5.00%
- Net margin
- 22.82%
- EBITDA margin
- 30.92%
- Revenue growth
- 6.56%
- Net income growth
- 59.66%
- Free cash flow growth
- 4.53%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 10.47%
- Net debt to EBITDA
- 1.06x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $3.29B
- EBITDA
- $1.02B
- Net income
- $751.23M
- Earnings per share
- $22.95
- Interest expense
- $23.96M
- Shares outstanding
- 32.63M
Income statement by year
| Period end | Revenue | Gross profit | Net income | EPS |
|---|
| 2025-12-31 | $3.29B | - | $751.23M | $22.95 |
| 2024-12-31 | $3.09B | - | $470.52M | $13.73 |
| 2023-12-31 | $2.75B | $2.69B | $576.60M | $15.97 |
| 2022-12-31 | $2.66B | $2.59B | $472.07M | $12.37 |
| 2021-12-31 | $2.71B | $2.66B | $477.36M | $12.03 |
| 2020-12-31 | $2.22B | - | $386.16M | $9.60 |
| 2019-12-31 | $2.05B | - | $366.39M | $8.65 |
| 2018-12-31 | $1.90B | - | $324.09M | $7.35 |
| 2017-12-31 | $1.69B | - | $350.25M | $7.63 |
| 2016-12-31 | $1.52B | - | $219.41M | $4.59 |
Margins and returns by year
| Period end | Gross margin | Net margin | Return on equity |
|---|
| 2025-12-31 | - | 22.82% | 30.71% |
| 2024-12-31 | - | 15.23% | 20.83% |
| 2023-12-31 | 97.99% | 20.98% | 27.91% |
| 2022-12-31 | 97.42% | 17.76% | 23.24% |
| 2021-12-31 | 98.05% | 17.62% | 51.58% |
| 2020-12-31 | - | 17.41% | 21.03% |
| 2019-12-31 | - | 17.85% | 22.17% |
| 2018-12-31 | - | 17.06% | 22.18% |
| 2017-12-31 | - | 20.74% | 24.68% |
| 2016-12-31 | - | 14.44% | 17.96% |
Cash and debt by year
| Period end | Cash |
|---|
| 2025-12-31 | $756.23M |
| 2024-12-31 | $687.82M |
| 2023-12-31 | $594.15M |
| 2022-12-31 | $489.24M |
| 2021-12-31 | $392.50M |
| 2020-12-31 | $547.57M |
| 2019-12-31 | $256.88M |
| 2018-12-31 | $270.31M |
| 2017-12-31 | $279.96M |
| 2016-12-31 | $211.98M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $901.18M | $24.60M |
| 2024-12-31 | $862.09M | $25.07M |
| 2023-12-31 | $692.52M | $18.91M |
| 2022-12-31 | $757.66M | $22.36M |
| 2021-12-31 | $656.96M | $16.84M |
| 2020-12-31 | $643.42M | $19.03M |
| 2019-12-31 | $485.51M | $17.53M |
| 2018-12-31 | $478.07M | $17.25M |
| 2017-12-31 | $391.54M | $15.27M |
| 2016-12-31 | $294.43M | $13.44M |
Dividend history
- Most recent payment
- 2026-08-21
- Paid in the last twelve months
- $4.64
| Payment date | Dividend per share |
|---|
| 2026-08-21 | $1.20 |
| 2026-05-21 | $1.20 |
| 2026-02-23 | $1.20 |
| 2025-11-21 | $1.04 |
| 2025-08-22 | $1.04 |
| 2025-05-22 | $1.04 |
| 2025-02-21 | $1.04 |
| 2024-11-21 | $0.90 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-11-04
- Consensus EPS estimate
- $6.37
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-08-05 | Jun/2026 | $5.96 |
| 2026-05-06 | - | - |
| 2026-02-11 | - | - |
| 2025-11-05 | - | - |
| 2025-08-06 | - | - |
| 2025-05-07 | - | - |
| 2025-02-11 | - | - |
| 2024-11-06 | - | - |
Filings and sources
- Company website
- primerica.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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