Primerica, Inc.(PRI) Stock Research - Grey Stern Research

Primerica, Inc. (PRI) Stock Analysis

$254.55 (-0.22%)

PRI Financial Performance


Use the table below to view Primerica, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $278.93 -
52 Week Low $184.76 -
52 Week High $307.91 -
Market Cap $9.3 Billion 2/8
Gross Margin 89% 6/8
Profit Margin 21% 7/8
EBITDA margin 25% 5/8
Q3 - 2024 Revenue $774.1 Million 6/8
Q3 - 2024 Earnings $164.4 Million 6/8
Q3 - 2024 Free Cash Flow $235.0 Million 3/8
Trailing 4 Quarters Revenue $3.1 Billion 5/8
Trailing 4 Quarters Earnings $455.3 Million 3/8
Quarterly Earnings Growth 8% 8/8
Annual Earnings Growth -22% 5/8
Quarterly Revenue Growth 9% 7/8
Annual Revenue Growth 10% 4/8
Cash On Hand $550.1 Million 6/8
Short Term Debt $0 1/8
Long Term Debt $0 5/8

Primerica, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Primerica, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 20.44 2/8
PS 3.04 3/8
PB 4.78 1/8
PC 16.92 1/8
Liabilities to Equity 6.61 4/8
ROA 0.03 2/8
ROE 0.23 2/8
Current Ratio 1.15 4/8
Quick Ratio 0.28 6/8
Long Term Debt to Equity 0.00 5/8
Debt to Equity 0.00 5/8
Burn Rate -3.35 1/8
Cash to Cap 0.06 8/8
CCR 1.43 2/8
EV to EBITDA 44.97 1/8
EV to Revenue 2.86 3/8

Company Details

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.

CEO: Mr. Glenn Williams

Website: https://www.primerica.com

Address: 1 Primerica Pkwy Duluth, GEORGIA

Exchange: New York Stock Exchange

Industry: Insurance—Life

Primerica, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Primerica, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Aflac Incorporated AFL $58.6 Billion
CNO Financial Group, Inc. CNO $3.8 Billion
American Equity Investment Life Holding Company AEL $4.5 Billion
National Western Life Group, Inc. NWLI $1.8 Billion
Brighthouse Financial, Inc. BHFAP $2.9 Billion
Brighthouse Financial, Inc. BHFAO $1.1 Billion
Midwest Holding Inc. MDWT $101.0 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
PRI Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 788.1 Million $167.1 Million
Q3 2024 $ 774.1 Million $164.4 Million
Q2 2024 $ 819.0 Million $1.1 Million
Q1 2024 $ 742.8 Million $137.9 Million
Q4 2023 $ 726.3 Million $151.9 Million
Q3 2023 $ 710.9 Million $152.1 Million
Q2 2023 $ 688.4 Million $144.5 Million
Q1 2023 $ 690.0 Million $125.1 Million

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PRI Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $550.1 Million $14.8 Billion $0 $1.9 Billion
Q2 2024 $627.3 Million $11.7 Billion $2.0 Billion $2.1 Billion
Q1 2024 $593.4 Million $14.9 Billion $0 $2.2 Billion
Q4 2023 $613.1 Million $12.0 Billion $2.0 Billion $2.1 Billion
Q3 2023 $468.8 Million $14.4 Billion $2.1 Billion $2.3 Billion
Q2 2023 $561.6 Million $14.8 Billion $2.1 Billion $2.0 Billion
Q1 2023 $515.1 Million $14.8 Billion $2.1 Billion $1.9 Billion
Q4 2022 $489.2 Million $15.3 Billion $2.1 Billion $1.7 Billion

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PRI Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 $235.0 Million $12.6 Million -$77.2 Million
Q2 2024 $169.0 Million -$4.2 Million $33.9 Million
Q1 2024 $210.9 Million $0 -$19.7 Million
Q4 2023 $0 $0 $144.4 Million
Q3 2023 $136.4 Million -$3.4 Million -$92.8 Million
Q2 2023 $136.9 Million $0 $115.7 Million
Q1 2023 $168.1 Million -$7.9 Million $25.9 Million
Q4 2022 $204.5 Million -$1.9 Million $51.2 Million

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