Primerica (PRI) Stock Price, News & Analysis

Company Overview

Primerica, Inc. is a financial services company that focuses on delivering term life insurance and investment products to middle-income households in the United States and Canada. The firm operates a network of independent, licensed representatives who provide personalized guidance on coverage needs, retirement planning, and wealth accumulation. Primerica’s core mission is to help clients obtain affordable life insurance protection while also offering a suite of savings and investment solutions designed for long-term financial security.

In addition to term life insurance, Primerica offers a range of financial products and services that include mutual funds, annuities, auto and home insurance through partner carriers, and personal lending solutions such as secured and unsecured loans. The company also provides tools for debt management and credit monitoring, enabling clients to address immediate financial challenges and build healthier credit profiles over time. This broad product lineup is backed by educational resources and ongoing support from the company’s field sales organization.

The roots of Primerica trace back to 1977 when Arthur “Art” Williams founded the business to promote the concept of zero-surrender-cost term life insurance. Over the ensuing decades, the company grew through organic expansion and strategic acquisitions. In 2010, Primerica was spun off from its parent financial conglomerate and began trading independently on the New York Stock Exchange under the ticker PRI. Since that time, the firm has continued to expand its advisor network and deepen its presence across North America.

Serving more than three million households, Primerica has built its distribution model on local community engagement, training programs for representatives and a simple, transparent approach to helping clients meet their insurance and financial goals. Its focus remains on delivering cost-effective protection and investment solutions that address the evolving needs of working families.

Key Stats

• Today's Range: $268.08 to $270.94
• 50-Day Range: $256.34 to $277.97
• 52-Week Range: $230.98 to $307.91
• Volume: 157,205 shs
• Average Volume: 157,668 shs
• Market Capitalization: $8.72 billion
• P/E Ratio: 13.30
• Dividend Yield: 1.55%
• Price Target: $315.29
• Consensus Rating: Hold

Primerica Stock Analysis - MarketRank™

Primerica scored higher than 91% of companies evaluated by MarketBeat, and ranked 156th out of 941 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 3 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 13.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 270.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Primerica is 13.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.46.

Price to Book Value per Share Ratio

Primerica has a P/B Ratio of 3.78. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.57% 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 6.7.

Change versus previous month

Short interest in Primerica has recently decreased by 0.86%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Primerica pays a meaningful dividend of 1.55%, 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 20.55%. 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

3.57% 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 6.7.

Change versus previous month

Short interest in Primerica has recently decreased by 0.86%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 1.59

News Sentiment

Primerica has a news sentiment score of 1.59. 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 higher news sentiment than the 1.21 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 15 news articles for Primerica this week, compared to 12 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

3 people have added Primerica to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Primerica insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $655,500.00 in 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 decreased by 0.9% and is now trading at $269.1050.

How were Primerica's earnings last quarter?

Primerica, Inc. (NYSE:PRI) posted its quarterly earnings data on Wednesday, August, 6th. The financial services provider reported $5.46 EPS for the quarter, topping analysts' consensus estimates of $5.18 by $0.28. Primerica's quarterly revenue was up .3% compared to the same quarter last year.
Read the conference call transcript.

Is Primerica buying back stock?

Primerica's board authorized a share repurchase plan on Thursday, November 14th 2024, which permits the company to buy back $450,000,000 in outstanding shares, according to EventVestor. This means that the company could buy up to 4.5% of its shares through open market purchases. Shares buyback plans are generally an indication that the company's management believes its shares are undervalued.

Who are Primerica's major shareholders?

Top institutional investors of Primerica include Bamco Inc. NY (4.91%), Burgundy Asset Management Ltd. (4.12%), State Street Corp (3.25%) and Brave Warrior Advisors LLC (2.54%). Insiders that own company stock include Glenn J Williams, P George Benson, John A Jr Addison, Peter W Schneider, Alison S Rand, Gregory C Pitts and Nicholas Adam Jendusa.
View institutional ownership trends.

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

• Record date for 6/13 Dividend: 5/22/2025
• Ex-Dividend for 6/13 Dividend: 5/22/2025
• Dividend Payable: 6/13/2025
• Last Earnings: 8/06/2025
• Record date for 9/15 Dividend: 8/22/2025
• Ex-Dividend for 9/15 Dividend: 8/22/2025
• Today: 8/31/2025
• Dividend Payable: 9/15/2025
• Next Earnings (Estimated): 11/05/2025
• 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: 1977

Price Target and Rating

• Average Price Target for Primerica: $315.29
• High Price Target: $345.00
• Low Price Target: $283.00
• Potential Upside/Downside: +17.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $20.24
• Trailing P/E Ratio: 13.30
• Forward P/E Ratio: 13.06
• P/E Growth: N/A
• Net Income: $470.52 million
• Net Margins: 21.48%
• Pretax Margin: 29.39%
• Return on Equity: 32.42%
• Return on Assets: 4.83%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.35
• Quick Ratio: 0.35

Sales & Book Value

• Annual Sales: $3.16 billion
• Price / Sales: 2.76
• Cash Flow: $37.48 per share
• Price / Cash Flow: 7.18
• Book Value: $71.24 per share
• Price / Book: 3.78

Miscellaneous

• Outstanding Shares: 32,391,000
• Free Float: 32,193,000
• Market Cap: $8.72 billion
• Optionable: Optionable
• Beta: 0.99