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Primerica, Inc. PRI

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281.61 USD +1.38 (+0.49%)

Nov 4, 2026, 10:19 AM EST

279.75 Day range 286.07
230.09 52-week range 327.28
YTD
+9.00%
1 year
+8.14%

Financial health

Altman Z-Score

1.35 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 3
  • P/B 1

Valuation

P/E 11.3×
FY 2016: 15.1×FY 2017: 13.3×FY 2018: 13.2×FY 2019: 15.1×FY 2020: 14.0×FY 2021: 16.2×FY 2022: 11.5×FY 2023: 12.9×FY 2024: 19.8×FY 2025: 11.3×
FY 2016 5y median 12.9× FY 2025
P/S 2.6×
FY 2016: 2.2×FY 2017: 2.7×FY 2018: 2.3×FY 2019: 2.7×FY 2020: 2.4×FY 2021: 2.2×FY 2022: 2.0×FY 2023: 2.7×FY 2024: 3.0×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
P/B 3.4×
FY 2016: 2.7×FY 2017: 3.3×FY 2018: 2.9×FY 2019: 3.3×FY 2020: 2.9×FY 2021: 2.9×FY 2022: 2.7×FY 2023: 3.6×FY 2024: 4.1×FY 2025: 3.4×
FY 2016 5y median 3.4× FY 2025
P/FCF 9.6×
FY 2016: 11.8×FY 2017: 12.1×FY 2018: 9.2×FY 2019: 12.0×FY 2020: 8.7×FY 2021: 9.6×FY 2022: 7.4×FY 2023: 11.2×FY 2024: 11.1×FY 2025: 9.6×
FY 2016 5y median 9.6× FY 2025
EV/EBITDA 9.3×
FY 2016: 9.9×FY 2017: 3.7×FY 2018: 3.3×FY 2019: 13.1×FY 2020: 11.9×FY 2021: 10.9×FY 2022: 9.0×FY 2023: 10.7×FY 2024: 10.7×FY 2025: 9.3×
FY 2016 5y median 10.7× FY 2025
EV/Sales 2.9×
FY 2016: 2.6×FY 2017: 3.2×FY 2018: 2.8×FY 2019: 3.3×FY 2020: 3.0×FY 2021: 2.8×FY 2022: 2.6×FY 2023: 3.2×FY 2024: 3.4×FY 2025: 2.9×
FY 2016 5y median 2.9× FY 2025
FCF Yield 10.4%
FY 2016: 8.5%FY 2017: 8.2%FY 2018: 10.8%FY 2019: 8.4%FY 2020: 11.5%FY 2021: 10.4%FY 2022: 13.6%FY 2023: 8.9%FY 2024: 9.0%FY 2025: 10.4%
FY 2016 5y median 10.4% FY 2025

Profitability

Gross Margin 80.5%
FY 2016: 88.0%FY 2017: 88.8%FY 2018: 87.9%FY 2019: 36.2%FY 2020: 35.2%FY 2021: 39.0%FY 2022: 38.9%FY 2023: 40.1%FY 2024: 42.3%FY 2025: 80.5%
FY 2016 5y median 40.1% FY 2025
Operating Margin 30.2%
FY 2016: 14.4%FY 2017: 24.2%FY 2018: 23.4%FY 2019: 23.2%FY 2020: 22.9%FY 2021: 23.7%FY 2022: 27.0%FY 2023: 28.1%FY 2024: 30.4%FY 2025: 30.2%
FY 2016 5y median 28.1% FY 2025
Net Margin 23.3%
FY 2016: 14.4%FY 2017: 20.7%FY 2018: 17.1%FY 2019: 17.9%FY 2020: 17.4%FY 2021: 17.6%FY 2022: 17.8%FY 2023: 21.0%FY 2024: 15.2%FY 2025: 23.3%
FY 2016 5y median 17.8% FY 2025
ROE 30.7%
FY 2016: 18.0%FY 2017: 24.7%FY 2018: 22.2%FY 2019: 22.2%FY 2020: 21.0%FY 2021: 22.9%FY 2022: 23.2%FY 2023: 27.9%FY 2024: 20.8%FY 2025: 30.7%
FY 2016 5y median 23.2% FY 2025
ROIC 5.3%
FY 2016: 6.9%FY 2017: 16.5%FY 2018: 3.6%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 3173.2%FY 2022: 0.0%FY 2023: 4.1%FY 2024: 5.2%FY 2025: 5.3%
FY 2016 5y median 5.2% FY 2025
ROA 5.0%
FY 2016: 1.9%FY 2017: 2.8%FY 2018: 2.6%FY 2019: 2.7%FY 2020: 2.6%FY 2021: 3.0%FY 2022: 3.2%FY 2023: 3.8%FY 2024: 3.2%FY 2025: 5.0%
FY 2016 5y median 3.2% FY 2025

Growth (YoY)

Revenue 4.4%
FY 2016: 8.1%FY 2017: 11.2%FY 2018: 12.5%FY 2019: 8.0%FY 2020: 8.0%FY 2021: 22.2%FY 2022: -1.9%FY 2023: 3.4%FY 2024: 12.4%FY 2025: 4.4%
FY 2016 FY 2025
Operating Income 3.8%
FY 2016: 22.0%FY 2017: 86.0%FY 2018: 9.0%FY 2019: 7.2%FY 2020: 6.2%FY 2021: 27.0%FY 2022: 11.7%FY 2023: 7.4%FY 2024: 21.7%FY 2025: 3.8%
FY 2016 FY 2025
EPS (diluted) 67.1%
FY 2016: 24.1%FY 2017: 65.8%FY 2018: -3.2%FY 2019: 17.0%FY 2020: 11.0%FY 2021: -1.6%FY 2022: 30.9%FY 2023: 29.3%FY 2024: -14.0%FY 2025: 67.1%
FY 2016 FY 2025
Free Cash Flow 5.1%
FY 2016: 10.7%FY 2017: 37.1%FY 2018: 21.7%FY 2019: -1.0%FY 2020: 33.8%FY 2021: 2.7%FY 2022: 15.8%FY 2023: -10.0%FY 2024: 26.5%FY 2025: 5.1%
FY 2016 FY 2025

Financial Health

Current Ratio 6.6×
FY 2016: 76.0×FY 2017: 88.7×FY 2018: 21.5×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 9.4×FY 2024: 9.5×FY 2025: 6.6×
FY 2016 5y median 6.6× FY 2025
Quick Ratio 6.6×
FY 2016: 268×FY 2017: 286×FY 2018: 23.1×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 9.4×FY 2024: 9.5×FY 2025: 6.6×
FY 2016 5y median 6.6× FY 2025
Debt / Equity 0.7×
FY 2016: 0.7×FY 2017: 0.8×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 1.0×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.7×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 1.0×
FY 2016: 1.7×FY 2017: 0.6×FY 2018: 0.7×FY 2019: 2.6×FY 2020: 2.2×FY 2021: 2.3×FY 2022: 2.0×FY 2023: 1.7×FY 2024: 1.3×FY 2025: 1.0×
FY 2016 5y median 1.7× FY 2025
Interest Coverage 40.7×
FY 2016: 7.6×FY 2017: 14.3×FY 2018: 15.4×FY 2019: 16.6×FY 2020: 17.6×FY 2021: 21.0×FY 2022: 26.4×FY 2023: 29.0×FY 2024: 37.5×FY 2025: 40.7×
FY 2016 5y median 29.0× FY 2025

Dividends

Dividend Yield 1.6%
FY 2016: 1.0%FY 2017: 0.8%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 1.2%FY 2021: 1.2%FY 2022: 1.6%FY 2023: 1.3%FY 2024: 1.2%FY 2025: 1.6%
FY 2016 5y median 1.3% FY 2025
Payout Ratio 18.1%
FY 2016: 15.2%FY 2017: 10.2%FY 2018: 13.6%FY 2019: 15.7%FY 2020: 16.7%FY 2021: 15.6%FY 2022: 17.7%FY 2023: 16.3%FY 2024: 24.0%FY 2025: 18.1%
FY 2016 5y median 17.7% FY 2025

Annual · latest fiscal year ends 2025-12-31