Primerica, Inc.
PRI Mid CapFinancial Services · Insurance - Life
Updated: Jun 14, 2026, 22:19 UTC
Price Chart
Key Metrics
Valuation Analysis
About the Company
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 mot
Primerica, Inc. Stock at a Glance
Primerica, Inc. (PRI) is currently trading at $282.01 with a market capitalization of $8.8B. The trailing P/E ratio stands at 11.83x, with a forward P/E of 10.65x. The 52-week range spans from $230.09 to $288.03; the current price is 2.1% below the yearly high. Year-over-year revenue growth stands at +8.1%. The net profit margin stands at 22.61%.
💰 Dividend
Primerica, Inc. pays an annual dividend of $4.48 per share, representing a yield of 1.59%. The payout ratio stands at 18.13%.
📊 Analyst Rating
6 analysts rate Primerica, Inc. (PRI) on consensus: Buy. The average price target is $298.50, implying +5.85% from the current price. Analyst price targets range from $263.00 to $322.00.
Primerica, Inc.: The Investment Case in Detail
Primerica, Inc. (PRI) operates in the Financial Services — specifically Insurance - Life — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.
The Bull Case
With a gross margin near 71.55%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Return on equity of 32.34% places management among the most capital-efficient operators in the public market — every euro of shareholder capital is working hard. Free cash flow is positive and net margins stand at 22.61%, meaning reported earnings translate into real cash that can fund buybacks, dividends or strategic acquisitions.
Valuation in Context
The PEG ratio at 1.07 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric. The EV/EBITDA multiple of 9.06x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.
Investment Thesis: Strengths & Weaknesses
- Profitable with 22.61% net margin
- High return on equity (32.34% ROE)
- High gross margin of 71.55% — indicates pricing power
- Analyst consensus: Buy
- Currently flagged as undervalued
- Positive free cash flow
No significant red flags in current metrics.
Technical Snapshot
Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).
Risk Profile
The data points to relatively defensive market behavior.
Trading Data
💵 Dividend Info
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