Primerica (PRI) Stock Price, News & Analysis

Company Overview

Primerica, Inc. is a North American financial services company focused on providing term life insurance, mutual funds, annuities, and other investment products to middle-income households. Through an extensive network of independent representatives, Primerica offers simplified coverage solutions tailored to the needs of families seeking straightforward protection and wealth-building strategies. The firm emphasizes an affordable, term-based life insurance model and partners with major carriers to underwrite policies that are designed to last for the insured’s working years.

Established in 1927 by Arthur L. Williams Jr. as A.L. Williams & Associates, the company pioneered the concept of selling term life insurance directly to consumers, bypassing traditional agent-centric distribution. Over the decades, the business expanded its product portfolio to include mutual funds, managed accounts, annuities, auto and home insurance, and credit monitoring services. Following a period as a subsidiary of Citigroup, Primerica completed a spin-off and initial public offering in 2010, emerging as an independent publicly traded company listed on the New York Stock Exchange under the symbol PRI.

Primerica’s representative-driven distribution model leverages part-time and full-time financial professionals who engage in local outreach, community events, and referrals to connect with clients. The company’s core offerings consist of low-cost term life insurance policies, a suite of investment solutions for retirement and education savings, and strategic partnerships that provide access to property and casualty insurance products. In Canada, Primerica operates through a subsidiary regulated by provincial insurance authorities, while in the United States and Puerto Rico, it maintains a presence in all 50 states and U.S. territories.

Under the leadership of President and CEO Sean M. Gifford, Primerica continues to refine its digital platforms and training programs to support its expanding sales force. The firm’s mission centers on educating families about proper insurance coverage and prudent financial planning. By combining a scalable distribution infrastructure with a focus on client-centric product design, Primerica aims to extend its reach among underserved communities and strengthen its position within the middle-market segment of the financial services industry.

Key Stats

• Today's Range: $275.87 to $279.85
• 50-Day Range: $257.18 to $280.39
• 52-Week Range: $230.98 to $307.91
• Volume: 164,980 shs
• Average Volume: 155,860 shs
• Market Capitalization: $9.17 billion
• P/E Ratio: 18.64
• Dividend Yield: 1.50%
• Price Target: $308.00
• Consensus Rating: Hold

Primerica Stock Analysis - MarketRank™

Primerica scored higher than 83% of companies evaluated by MarketBeat, and ranked 754th out of 2,763 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

Primerica has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on 2 buy ratings, 5 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Primerica has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.95%

Earnings Growth

Earnings for Primerica are expected to grow by 9.95% in the coming year, from $20.60 to $22.65 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Primerica is 18.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of Primerica is 18.64, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.06.

Price to Book Value per Share Ratio

Primerica has a P/B Ratio of 4.10. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.92% of the float of Primerica has been sold short.

Short Interest Ratio / Days to Cover

Primerica has a short interest ratio ("days to cover") of 7.2.

Change versus previous month

Short interest in Primerica has recently increased by 8.47%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Primerica pays a meaningful dividend of 1.51%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Primerica has only been increasing its dividend for 2 years.

Dividend Coverage

The dividend payout ratio of Primerica is 27.98%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Primerica will have a dividend payout ratio of 18.37% next year. This indicates that Primerica will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.71

Percentage of Shares Shorted

3.92% of the float of Primerica has been sold short.

Short Interest Ratio / Days to Cover

Primerica has a short interest ratio ("days to cover") of 7.2.

Change versus previous month

Short interest in Primerica has recently increased by 8.47%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.4 / 5
• News Sentiment: 0.56

News Sentiment

Primerica has a news sentiment score of 0.56. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Primerica this week, compared to 11 articles on an average week.

Search Interest

Only 1 people have searched for PRI on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

Only 6 people have added Primerica to their MarketBeat watchlist in the last 30 days. This is a decrease of -14% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Primerica insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 0.61% of the stock of Primerica is held by insiders.

Percentage Held by Institutions

90.88% of the stock of Primerica is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PRI Stock Analysis - Frequently Asked Questions

How have PRI shares performed this year?

Primerica's stock was trading at $271.42 at the beginning of the year. Since then, PRI shares have increased by 2.1% and is now trading at $277.24.

How were Primerica's earnings last quarter?

Primerica, Inc. (NYSE:PRI) announced its quarterly earnings data on Wednesday, May, 7th. The financial services provider reported $5.02 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $4.77 by $0.25. The business's revenue for the quarter was up 8.3% on a year-over-year basis.
Read the conference call transcript.

Is Primerica buying back stock?

Primerica's Board of Directors approved a stock buyback plan on Thursday, November 14th 2024, which allows the company to repurchase $450,000,000 in shares, according to EventVestor. This means that the company could repurchase up to 4.5% of its shares through open market purchases. Shares buyback plans are typically a sign that the company's board of directors believes its stock is undervalued.

How do I buy shares of Primerica?

Shares of PRI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Primerica own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Primerica investors own include Salesforce (CRM), Home Depot (HD), Chevron (CVX), Johnson & Johnson (JNJ), QUALCOMM (QCOM), CocaCola (KO) and Meta Platforms (META).

Company Calendar

• Last Earnings: 5/07/2025
• Record date for 6/13 Dividend: 5/22/2025
• Ex-Dividend for 6/13 Dividend: 5/22/2025
• Dividend Payable: 6/13/2025
• Today: 7/04/2025
• Next Earnings (Estimated): 8/06/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - LIFE
• Sub-Industry: Life & Health Insurance
• Current Symbol: NYSE:PRI
• CIK: 1475922
• Web: www.primerica.com
• Phone: (770) 381-1000
• Fax: N/A
• Employees: 2,874
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $308.00
• High Stock Price Target: $345.00
• Low Stock Price Target: $249.00
• Potential Upside/Downside: +11.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $14.87
• Trailing P/E Ratio: 18.64
• Forward P/E Ratio: 13.46
• P/E Growth: N/A
• Net Income: $470.52 million
• Net Margins: 15.82%
• Pretax Margin: 30.51%
• Return on Equity: 32.30%
• Return on Assets: 4.74%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.36
• Quick Ratio: 0.36

Sales & Book Value

• Annual Sales: $3.09 billion
• Price / Sales: 2.97
• Cash Flow: $37.87 per share
• Price / Cash Flow: 7.32
• Book Value: $67.69 per share
• Price / Book: 4.10

Miscellaneous

• Outstanding Shares: 33,090,000
• Free Float: 32,890,000
• Market Cap: $9.17 billion
• Optionable: Optionable
• Beta: 0.98