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.

Ticker
PRI
Exchange
NYSE
Sector
Financial Services
Industry
Insurance - Life
Market cap
$8.86B
52-week range
$230.09 - $327.28

Valuation

Share price
$290.58 (close of Nov 6, 2026)
P/E (TTM)
11.47x
Price to book
3.14x
Price to free cash flow
9.04x
Enterprise value
$8.13B
Book value per share
$92.67

Price performance

PeriodChange
1 day+0.56%
5 days+3.38%
1 month+4.10%
3 months-10.98%
6 months+4.98%
Year to date+12.47%
1 year+16.09%
3 years+43.68%
5 years+64.17%
10 years+446.72%
All time+1,378.78%

Short interest

As of
Oct 15, 2026
Short % of float
5.79%
Shares short
1.35M
Days to cover
7.69
Change since prior report
-2.48%
Source
FINRA consolidated short interest

Profitability and growth

Return on equity
30.71%
Return on assets
5.00%
Net margin
22.82%
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)
11.06%
Net debt to EBITDA
-0.69x

Latest reported year

Period end
Dec 31, 2025
Fiscal year
2025
Revenue
$3.29B
Net income
$751.23M
Earnings per share
$22.95
Interest expense
$23.96M
Shares outstanding
32.63M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$3.29B$751.23M$22.95
2024-12-31$3.09B$470.52M$13.73
2023-12-31$2.75B$576.60M$15.97
2022-12-31$2.66B$472.07M$12.37
2021-12-31$2.71B$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 endNet marginReturn on equity
2025-12-3122.82%30.71%
2024-12-3115.23%20.83%
2023-12-3120.98%27.91%
2022-12-3117.76%23.24%
2021-12-3117.62%51.58%
2020-12-3117.41%21.03%
2019-12-3117.85%22.17%
2018-12-3117.06%22.18%
2017-12-3120.74%24.68%
2016-12-3114.44%17.96%

Cash and debt by year

Period endCash
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 endFree cash flowStock-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
Aug 21, 2026
Paid in the last twelve months
$4.64
Payment dateDividend 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

Past earnings dates

ReportedFiscal periodEPS estimate
2026-11-04Sep 2026$6.39
2026-08-05Jun 2026$5.96
2026-05-06Mar 2026$5.45
2026-02-11Dec 2025$5.69
2025-11-05Sep 2025$5.52
2025-08-06Jun 2025$5.18
2025-05-07Mar 2025$4.77
2025-02-11Dec 2024$4.96

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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