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Primerica (PRI) Financials

Primerica logo
$272.55 -6.02 (-2.16%)
Closing price 05/21/2025 03:59 PM Eastern
Extended Trading
$272.24 -0.31 (-0.11%)
As of 05/21/2025 06:02 PM Eastern
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Annual Income Statements for Primerica

Annual Income Statements for Primerica

This table shows Primerica's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 471 577 472 477 386 366 324 350 219 190
Consolidated Net Income / (Loss)		 471 577 467 476 386 366 324 350 219 190
Net Income / (Loss) Continuing Operations		 720 591 555 476 386 366 324 350 219 190
Total Pre-Tax Income 		939 772 719 644 507 477 416 380 338 291
Total Revenue		 3,064 2,722 2,630 2,670 2,189 2,024 1,871 1,661 949 1,371
Net Interest Income / (Expense)		 -25 -27 -27 -31 -29 -29 -29 -28 -29 -34
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 25 27 27 31 29 29 29 28 29 34
Long-Term Debt Interest Expense		 25 27 27 31 29 29 29 28 29 34
Total Non-Interest Income		 3,089 2,749 2,657 2,701 2,218 2,053 1,900 1,689 977 1,404
Other Service Charges		 119 65 68 75 61 56 57 56 51 579
Net Realized & Unrealized Capital Gains on Investments		 220 195 156 140 136 147 117 107 102 88
Premiums Earned		 1,729 1,660 1,600 1,506 1,326 1,184 1,086 961 844 750
Investment Banking Income		 1,083 893 897 1,043 751 714 678 591 - -
Other Non-Interest Income		 -63 -65 -64 -62 -57 -48 -37 -27 -19 -13
Total Non-Interest Expense		 2,125 1,950 1,912 2,027 1,682 1,547 1,455 1,281 611 1,080
Salaries and Employee Benefits		 605 492 493 557 409 382 360 319 291 291
Property & Liability Insurance Claims		 648 643 632 602 616 494 458 416 368 339
Insurance Policy Acquisition Costs		 256 235 235 203 188 179 168 147 132 123
Current and Future Benefits		 -26 -0.38 1.63 1.30 - - - - - -
Other Operating Expenses		 344 305 287 350 245 237 230 189 -360 168
Amortization Expense		 298 276 262 238 224 255 240 209 181 158
Income Tax Expense		 219 181 164 168 121 111 92 29 118 101
Net Income / (Loss) Discontinued Operations		 -250 -15 -88 - - - - - - -
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.00 0.00 -5.04 -1.38 0.00 0.00 - - - -
Basic Earnings per Share		 $13.73 $15.97 $12.37 $12.03 $9.60 $8.65 $7.35 $7.63 $4.59 $3.70
Weighted Average Basic Shares Outstanding		 34.14M 35.95M 38.00M 39.53M 40.07M 42.18M 43.85M 45.60M 47.41M 50.88M
Diluted Earnings per Share		 $13.71 $15.94 $12.33 $11.99 $9.57 $8.62 $7.33 $7.61 $4.59 $3.70
Weighted Average Diluted Shares Outstanding		 34.20M 36.03M 38.11M 39.65M 40.19M 42.31M 43.99M 45.69M 47.45M 50.91M
Weighted Average Basic & Diluted Shares Outstanding		 33.25M 34.85M 36.65M 39.24M 39.34M 41.11M 42.58M 45.90M 47.80M 51.30M
Cash Dividends to Common per Share		 $3.30 $2.60 $2.20 $1.88 $1.60 $1.36 $1.00 $0.78 $0.70 $0.64

Quarterly Income Statements for Primerica

This table shows Primerica's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 169 167 164 1.17 138 152 152 145 128 150 80
Consolidated Net Income / (Loss)		 169 167 164 1.17 138 152 152 145 128 150 80
Net Income / (Loss) Continuing Operations		 169 386 195 1.17 138 161 157 145 128 237 80
Total Pre-Tax Income 		221 498 255 7.80 179 210 206 189 167 289 121
Total Revenue		 799 763 768 797 736 666 691 682 683 617 666
Net Interest Income / (Expense)		 -6.00 -6.07 -6.09 -6.10 -6.77 -6.59 -6.63 -6.69 -6.69 -6.77 -6.80
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 6.00 6.07 6.09 6.10 6.77 6.59 6.63 6.69 6.69 6.77 6.80
Long-Term Debt Interest Expense		 6.00 6.07 6.09 6.10 6.77 6.59 6.63 6.69 6.69 6.77 6.80
Total Non-Interest Income		 805 769 774 803 743 673 697 688 690 624 673
Other Service Charges		 17 15 19 67 17 9.36 16 20 20 7.19 21
Net Realized & Unrealized Capital Gains on Investments		 57 52 59 54 55 55 49 49 43 48 38
Premiums Earned		 448 440 440 418 431 424 421 403 413 406 405
Investment Banking Income		 297 276 272 280 255 201 228 233 232 179 225
Other Non-Interest Income		 -15 -15 -16 -16 -16 -16 -16 -17 -16 -16 -16
Total Non-Interest Expense		 578 265 513 789 557 456 484 493 516 329 545
Salaries and Employee Benefits		 164 165 149 150 141 126 124 123 119 110 114
Property & Liability Insurance Claims		 175 167 164 150 166 169 162 149 163 156 159
Insurance Policy Acquisition Costs		 65 66 64 63 63 57 58 59 61 59 58
Current and Future Benefits		 -3.27 1.37 -23 -4.33 0.06 0.75 0.18 -1.87 0.56 1.48 1.51
Other Operating Expenses		 98 57 84 89 114 46 71 83 105 -5.97 87
Amortization Expense		 79 77 76 74 72 70 69 68 68 67 66
Income Tax Expense		 52 111 60 6.63 41 48 49 44 39 52 42
Net Income / (Loss) Discontinued Operations		 0.00 - -30 - - - -5.39 - - - -
Basic Earnings per Share		 $5.06 $4.92 $4.84 $0.03 $3.94 $4.30 $4.23 $3.97 $3.47 $4.01 $2.12
Weighted Average Basic Shares Outstanding		 33.29M 34.14M 33.83M 34.38M 34.88M 35.95M 35.76M 36.22M 36.71M 38.00M 37.44M
Diluted Earnings per Share		 $5.05 $4.92 $4.83 $0.03 $3.93 $4.28 $4.23 $3.97 $3.46 $4.00 $2.11
Weighted Average Diluted Shares Outstanding		 33.34M 34.20M 33.89M 34.38M 34.94M 36.03M 35.82M 36.29M 36.80M 38.11M 37.54M
Weighted Average Basic & Diluted Shares Outstanding		 32.86M 33.25M 33.37M 33.83M 34.41M 34.85M 35.03M 35.77M 36.23M 36.65M 36.90M
Cash Dividends to Common per Share		 $1.04 - $0.90 $0.75 $0.75 - $0.65 $0.65 $0.65 - $0.55

Annual Cash Flow Statements for Primerica

This table details how cash moves in and out of Primerica's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 75 124 97 -155 291 -5.26 -18 68 60 -40
Net Cash From Operating Activities		 862 693 758 657 643 486 478 392 294 264
Net Cash From Continuing Operating Activities		 862 693 758 657 643 486 478 392 294 264
Net Income / (Loss) Continuing Operations		 471 577 467 476 386 366 324 350 219 190
Consolidated Net Income / (Loss)		 471 577 467 476 386 366 324 350 219 190
Depreciation Expense		 23 32 34 30 18 18 12 14 15 11
Amortization Expense		 295 274 265 243 225 254 238 -1.60 179 156
Non-Cash Adjustments to Reconcile Net Income		 227 -33 51 90 51 -18 -385 171 52 57
Changes in Operating Assets and Liabilities, net		 -154 -157 -59 -182 -36 -135 288 -141 -170 -150
Net Cash From Investing Activities		 -232 -90 -200 -923 -54 -202 -233 -131 -48 -58
Net Cash From Continuing Investing Activities		 -232 -90 -200 -923 -54 -202 -233 -131 -48 -58
Purchase of Investment Securities		 -680 -465 -706 -1,623 -596 -636 -686 -454 -405 -463
Sale and/or Maturity of Investments		 469 375 506 699 543 434 453 322 357 405
Other Investing Activities, net		 -21 0.00 0.00 - - - - - - -
Net Cash From Financing Activities		 -551 -480 -458 108 -302 -290 -261 -193 -187 -240
Net Cash From Continuing Financing Activities		 -551 -480 -458 108 -302 -290 -261 -193 -187 -240
Issuance of Debt		 0.00 0.00 0.00 722 0.00 0.00 - - - -
Repayment of Debt		 0.00 0.00 -12 -514 -0.27 -0.28 0.00 - - -
Repurchase of Common Equity		 -428 -375 -356 -19 -231 -225 -210 -150 -150 -200
Payment of Dividends		 -113 -94 -84 -75 -64 -58 -44 -36 -33 -33
Other Financing Activities, Net		 -9.90 -11 -5.40 -6.65 -5.74 -7.19 -6.71 -7.60 -3.97 -7.54
Effect of Exchange Rate Changes		 -4.02 1.06 -3.03 3.39 2.60 1.24 -2.09 1.20 0.57 -5.06
Cash Interest Paid		 24 27 27 34 28 28 28 28 28 32
Cash Income Taxes Paid		 140 227 178 155 123 115 88 83 45 62

Quarterly Cash Flow Statements for Primerica

This table details how cash moves in and out of Primerica's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -63 138 -77 34 -20 144 -93 46 26 51 38
Net Cash From Operating Activities		 197 271 207 173 211 241 140 136 176 206 167
Net Cash From Continuing Operating Activities		 197 271 207 173 211 241 140 136 176 206 167
Net Income / (Loss) Continuing Operations		 169 167 164 1.17 138 152 152 145 128 147 80
Consolidated Net Income / (Loss)		 169 167 164 1.17 138 152 152 145 128 147 80
Depreciation Expense		 4.77 4.32 4.60 7.32 7.17 7.17 7.36 8.89 8.55 8.54 8.28
Amortization Expense		 78 76 75 73 71 69 69 68 68 67 67
Non-Cash Adjustments to Reconcile Net Income		 13 -104 98 207 26 -42 3.93 2.87 1.93 -53 69
Changes in Operating Assets and Liabilities, net		 -67 127 -134 -115 -32 55 -93 -88 -30 37 -57
Net Cash From Investing Activities		 -99 -51 -125 30 -86 -2.25 -102 45 -31 -103 -7.97
Net Cash From Continuing Investing Activities		 -99 -51 -125 30 -86 -2.25 -102 45 -31 -103 -7.97
Purchase of Investment Securities		 -211 -171 -181 -174 -154 -109 -156 -110 -90 -200 -110
Sale and/or Maturity of Investments		 113 123 74 204 68 107 54 155 59 97 102
Other Investing Activities, net		 0.00 -2.77 - - - - - - - - -
Net Cash From Financing Activities		 -161 -79 -160 -169 -143 -96 -130 -135 -119 -53 -118
Net Cash From Continuing Financing Activities		 -161 -79 -160 -169 -143 -96 -130 -135 -119 -53 -118
Issuance of Debt		 0.00 - - - 0.00 - - - 0.00 - -
Repayment of Debt		 0.00 - - - 0.00 - 0.13 -0.07 -0.07 0.20 -0.07
Repurchase of Common Equity		 -118 -48 -129 -143 -109 -73 -106 -111 -85 -32 -97
Payment of Dividends		 -35 -30 -31 -26 -26 -23 -23 -24 -24 -20 -21
Other Financing Activities, Net		 -8.71 -1.38 -0.90 -0.10 -7.53 -0.41 -0.20 -0.50 -9.74 -0.41 -0.13
Effect of Exchange Rate Changes		 -0.02 -2.92 0.89 -0.53 -1.47 1.40 -1.11 0.70 0.08 0.64 -2.76
Other Net Changes in Cash		 0.00 - - - - - - - - - -

Annual Balance Sheets for Primerica

This table presents Primerica's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 14,582 15,028 14,641 16,123 14,905 13,689 12,595 12,461 11,439 10,611
Cash and Due from Banks		 688 594 489 393 548 257 262 280 212 152
Trading Account Securities		 4,280 4,155 3,944 4,106 3,827 3,585 3,091 2,712 - 2,150
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 28 24 21 19 18 17 17 17 - 17
Unearned Premiums Asset		 283 269 254 258 259 227 215 230 - 190
Deferred Acquisition Cost		 3,680 3,447 3,189 2,944 2,630 2,326 2,134 1,952 1,713 1,500
Separate Account Business Assets		 2,209 2,396 2,306 2,800 2,660 2,486 2,196 2,573 - 2,064
Goodwill		 0.00 0.00 128 179 0.00 - - - - -
Intangible Assets		 45 45 186 196 45 45 48 52 - 58
Other Assets		 3,368 4,098 4,125 5,230 4,919 4,746 4,632 4,646 - 4,479
Total Liabilities & Shareholders' Equity		 14,582 15,028 14,641 16,123 14,905 13,689 12,595 12,461 268 10,611
Total Liabilities		 12,323 12,962 12,610 14,033 13,069 12,036 11,134 11,042 268 9,465
Long-Term Debt		 1,898 1,980 2,037 1,986 1,720 1,558 1,343 1,110 - 737
Claims and Claim Expense		 488 514 538 585 520 340 314 307 268 238
Future Policy Benefits		 6,503 6,742 6,298 7,139 6,791 6,447 6,168 5,955 - 5,432
Unearned Premiums Liability		 16 15 15 16 17 15 16 15 - 0.63
Participating Policy Holder Equity		 402 435 484 502 448 389 371 363 - 365
Separate Account Business Liabilities		 2,209 2,396 2,306 2,800 2,660 2,486 2,196 2,573 - 2,064
Other Long-Term Liabilities		 806 880 932 1,005 893 802 726 719 - 628
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Redeemable Noncontrolling Interest		 0.00 0.00 0.00 7.27 0.00 - - - - -
Total Equity & Noncontrolling Interests		 2,259 2,066 2,031 2,083 1,836 1,652 1,462 1,419 0.00 1,146
Total Preferred & Common Equity		 2,259 2,066 2,031 2,083 1,836 1,652 1,462 1,419 1,221 1,146
Total Common Equity		 2,259 2,066 2,031 2,083 1,836 1,652 1,462 1,419 0.00 1,146
Common Stock		 0.33 0.35 0.37 5.62 0.39 0.41 0.43 0.44 - 181
Retained Earnings		 2,231 2,277 2,154 2,005 1,706 1,593 1,490 1,375 - 953
Accumulated Other Comprehensive Income / (Loss)		 27 -211 -123 72 130 59 -28 44 - 12

Quarterly Balance Sheets for Primerica

This table presents Primerica's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 14,589 14,815 14,566 14,909 14,433 14,752 14,796 15,042
Cash and Due from Banks		 625 550 627 593 469 562 515 438
Trading Account Securities		 4,365 4,357 4,153 4,188 4,054 4,027 4,071 3,929
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 29 26 26 25 24 23 22 20
Unearned Premiums Asset		 282 301 289 287 287 269 260 267
Deferred Acquisition Cost		 3,743 3,637 3,566 3,504 3,375 3,320 3,257 3,049
Separate Account Business Assets		 2,118 2,401 2,254 2,335 2,183 2,359 2,330 2,207
Goodwill		 0.00 0.00 0.00 128 128 128 128 128
Intangible Assets		 45 45 45 172 178 180 183 188
Other Assets		 3,382 3,498 3,606 3,676 3,736 3,884 4,030 4,817
Total Liabilities & Shareholders' Equity		 14,589 14,815 14,566 14,909 14,433 14,752 14,796 15,042
Total Liabilities		 12,333 12,868 12,444 12,723 12,121 12,736 12,875 13,422
Long-Term Debt		 1,880 1,924 1,947 1,970 2,011 2,026 2,053 2,026
Claims and Claim Expense		 495 497 479 517 475 495 498 497
Future Policy Benefits		 6,638 6,919 6,436 6,548 6,045 6,492 6,562 7,315
Unearned Premiums Liability		 17 16 17 16 15 16 17 16
Participating Policy Holder Equity		 395 398 413 421 448 459 482 492
Separate Account Business Liabilities		 2,118 2,401 2,254 2,335 2,183 2,359 2,330 2,207
Other Long-Term Liabilities		 790 712 898 916 943 889 934 870
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,256 1,947 2,122 2,186 2,312 2,015 1,921 1,620
Total Preferred & Common Equity		 2,256 1,947 2,122 2,186 2,312 2,015 1,921 1,620
Total Common Equity		 2,256 1,947 2,122 2,186 2,312 2,015 1,921 1,620
Common Stock		 0.33 0.34 0.34 0.35 0.35 0.36 0.36 0.37
Retained Earnings		 2,253 2,132 2,123 2,286 2,215 2,190 2,152 1,888
Accumulated Other Comprehensive Income / (Loss)		 2.64 -186 -1.41 -100 97 -175 -231 -268

Annual Metrics And Ratios for Primerica

This table displays calculated financial ratios and metrics derived from Primerica's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 12.57% 3.49% -1.50% 22.00% 8.15% 8.16% 12.67% 75.04% -30.79% 5.23%
EBITDA Growth		 16.70% 5.87% 11.02% 22.32% 0.03% 12.44% 70.21% -26.33% 15.93% 7.21%
EBIT Growth		 21.71% 7.39% 11.67% 27.00% 6.21% 14.67% 9.63% 12.42% 16.02% 5.53%
NOPAT Growth		 21.81% 6.57% 16.54% 23.26% 5.40% 13.05% -7.47% 59.63% 15.56% 5.58%
Net Income Growth		 -18.40% 23.46% -1.88% 23.26% 5.40% 13.05% -7.47% 59.63% 15.56% 4.66%
EPS Growth		 -13.99% 29.28% 2.84% 25.29% 11.02% 17.60% -3.68% 65.80% 24.05% 12.46%
Operating Cash Flow Growth		 24.49% -8.60% 15.33% 2.10% 32.52% 1.56% 22.10% 32.99% 11.42% 11.34%
Free Cash Flow Firm Growth		 -0.69% 9.26% 1,393.52% -207.60% 203.44% -181.25% -99.47% 199.16% -6,278.35% 331.82%
Invested Capital Growth		 2.74% -0.55% -0.17% 14.61% 10.77% 14.45% 10.92% -77.36% 493.32% 2.34%
Revenue Q/Q Growth		 0.97% -0.52% -3.24% 128.58% 0.00% 0.00% 14.33% 79.48% -34.54% 0.85%
EBITDA Q/Q Growth		 33.09% 1.87% 10.83% 231.53% 192.41% 178.49% 49.03% -32.22% 4.83% 2.17%
EBIT Q/Q Growth		 48.83% 2.58% 14.47% 5,305.54% 0.00% 0.00% -0.04% 5.86% 4.54% 1.13%
NOPAT Q/Q Growth		 49.92% 2.00% 21.64% 38.77% 0.00% 0.00% -20.17% 46.74% 4.24% 1.32%
Net Income Q/Q Growth		 3.32% 0.42% 2.41% 46.25% 0.00% 0.00% -20.17% 46.74% 4.24% 1.32%
EPS Q/Q Growth		 4.90% 1.79% 4.31% 9.00% 0.00% 0.00% -18.83% 47.77% 6.00% 3.35%
Operating Cash Flow Q/Q Growth		 3.55% 5.27% -2.00% -2.61% 13.25% -5.56% 2.36% 15.96% 1.59% 7.05%
Free Cash Flow Firm Q/Q Growth		 -34.64% 729.15% -30.41% 81.60% 113.61% 90.56% 21.18% 16,121.33% -22,342.34% -13.13%
Invested Capital Q/Q Growth		 7.38% -6.40% 11.59% 1.97% 4.04% 2.85% 3.57% 7.98% 445.72% 0.29%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 41.04% 39.59% 38.70% 34.33% 34.24% 37.02% 35.61% 23.57% 56.01% 33.44%
EBIT Margin		 30.65% 28.35% 27.32% 24.10% 23.15% 23.58% 22.24% 22.85% 35.58% 21.23%
Profit (Net Income) Margin		 15.36% 21.18% 17.76% 17.83% 17.64% 18.11% 17.32% 21.09% 23.13% 13.85%
Tax Burden Percent		 50.10% 74.71% 64.99% 73.96% 76.21% 76.79% 77.89% 92.29% 64.99% 65.25%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.33% 23.40% 22.81% 26.04% 23.79% 23.21% 22.11% 7.71% 35.01% 34.75%
Return on Invested Capital (ROIC)		 17.56% 14.57% 13.62% 12.47% 11.41% 12.18% 12.15% 5.11% 3.36% 10.20%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.68% 13.84% 9.26% 12.47% 11.41% 12.18% 12.15% 5.11% 3.36% 10.20%
Return on Net Nonoperating Assets (RNNOA)		 4.20% 13.58% 9.04% 11.78% 10.73% 11.35% 10.35% 44.25% 34.94% 5.68%
Return on Equity (ROE)		 21.76% 28.15% 22.67% 24.25% 22.14% 23.53% 22.50% 49.36% 38.30% 15.88%
Cash Return on Invested Capital (CROIC)		 14.85% 15.12% 13.79% -1.14% 1.19% -1.30% 1.80% 131.28% -138.95% 7.89%
Operating Return on Assets (OROA)		 6.34% 5.20% 4.67% 4.15% 3.54% 3.63% 3.32% 3.18% 3.06% 2.73%
Return on Assets (ROA)		 3.18% 3.89% 3.04% 3.07% 2.70% 2.79% 2.59% 2.93% 1.99% 1.78%
Return on Common Equity (ROCE)		 21.76% 28.15% 22.63% 24.21% 22.14% 23.53% 22.50% 49.36% 38.30% 15.88%
Return on Equity Simple (ROE_SIMPLE)		 20.83% 27.91% 22.99% 22.86% 21.03% 22.17% 22.18% 24.68% 17.96% 16.57%
Net Operating Profit after Tax (NOPAT)		 720 591 555 476 386 366 324 350 219 190
NOPAT Margin		 23.50% 21.72% 21.09% 17.83% 17.64% 18.11% 17.32% 21.09% 23.13% 13.85%
Net Nonoperating Expense Percent (NNEP)		 12.87% 0.73% 4.36% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 19.75% 18.06% 18.74% 20.85% 18.68% 18.89% 19.23% 19.22% 30.63% 21.25%
Operating Expenses to Revenue		 69.35% 71.65% 72.68% 75.90% 76.85% 76.42% 77.76% 77.15% 64.42% 78.77%
Earnings before Interest and Taxes (EBIT)		 939 772 719 644 507 477 416 380 338 291
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1,257 1,077 1,018 917 749 749 666 391 531 458
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 3.99 3.43 2.50 2.79 2.72 3.06 2.66 2.91 0.00 1.79
Price to Tangible Book Value (P/TBV)		 4.08 3.51 2.96 3.41 2.79 3.15 2.75 3.02 0.00 1.89
Price to Revenue (P/Rev)		 2.95 2.60 1.93 2.18 2.28 2.50 2.08 2.48 3.04 1.50
Price to Earnings (P/E)		 19.18 12.30 10.76 12.18 12.94 13.81 12.00 11.78 13.13 10.80
Dividend Yield		 1.22% 1.28% 1.60% 1.28% 1.26% 1.11% 1.10% 0.84% 1.11% 1.51%
Earnings Yield		 5.21% 8.13% 9.30% 8.21% 7.73% 7.24% 8.34% 8.49% 7.62% 9.26%
Enterprise Value to Invested Capital (EV/IC)		 2.46 2.09 1.63 1.82 1.73 1.98 1.77 1.96 0.24 1.40
Enterprise Value to Revenue (EV/Rev)		 3.34 3.11 2.52 2.78 2.82 3.14 2.66 2.98 2.81 1.92
Enterprise Value to EBITDA (EV/EBITDA)		 8.14 7.87 6.51 8.09 8.23 8.49 7.46 12.66 5.02 5.75
Enterprise Value to EBIT (EV/EBIT)		 10.90 10.98 9.22 11.53 12.17 13.33 11.94 13.06 7.91 9.06
Enterprise Value to NOPAT (EV/NOPAT)		 14.21 14.34 11.94 15.58 15.98 17.36 15.33 14.15 12.16 13.88
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.87 12.24 8.74 11.29 9.59 13.10 10.40 12.66 9.07 9.97
Enterprise Value to Free Cash Flow (EV/FCFF)		 16.80 13.82 11.80 0.00 152.90 0.00 103.52 0.55 0.00 17.95
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.84 0.96 1.00 0.95 0.94 0.94 0.92 0.78 0.00 0.64
Long-Term Debt to Equity		 0.84 0.96 1.00 0.95 0.94 0.94 0.92 0.78 0.00 0.64
Financial Leverage		 0.90 0.98 0.98 0.94 0.94 0.93 0.85 8.65 10.39 0.56
Leverage Ratio		 6.85 7.24 7.47 7.90 8.20 8.44 8.70 16.84 19.24 8.93
Compound Leverage Factor		 6.85 7.24 7.47 7.90 8.20 8.44 8.70 16.84 19.24 8.93
Debt to Total Capital		 45.66% 48.94% 50.08% 48.72% 48.37% 48.52% 47.89% 43.88% 0.00% 39.14%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 45.66% 48.94% 50.08% 48.72% 48.37% 48.52% 47.89% 43.88% 0.00% 39.14%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.18% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 54.34% 51.06% 49.92% 51.10% 51.63% 51.48% 52.11% 56.12% 0.00% 60.86%
Debt to EBITDA		 1.51 1.84 2.00 2.17 2.30 2.08 2.02 2.83 0.00 1.61
Net Debt to EBITDA		 0.96 1.29 1.52 1.74 1.56 1.74 1.62 2.12 0.00 1.28
Long-Term Debt to EBITDA		 1.51 1.84 2.00 2.17 2.30 2.08 2.02 2.83 0.00 1.61
Debt to NOPAT		 2.64 3.35 3.67 4.17 4.45 4.25 4.14 3.17 0.00 3.88
Net Debt to NOPAT		 1.68 2.34 2.79 3.35 3.04 3.55 3.34 2.37 0.00 3.08
Long-Term Debt to NOPAT		 2.64 3.35 3.67 4.17 4.45 4.25 4.14 3.17 0.00 3.88
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.18% 0.19% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 609 614 562 -43 40 -39 48 8,992 -9,069 147
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 24.34 23.07 20.62 -1.42 1.40 -1.35 1.67 315.65 -316.08 4.38
Operating Cash Flow to Interest Expense		 34.44 26.04 27.82 21.46 22.31 16.85 16.59 13.74 10.26 7.89
Operating Cash Flow Less CapEx to Interest Expense		 34.44 26.04 27.82 21.46 22.31 16.85 16.59 13.74 10.26 7.89
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.21 0.18 0.17 0.17 0.15 0.15 0.15 0.14 0.09 0.13
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 4,157 4,046 4,069 4,075 3,556 3,210 2,805 2,529 11,171 1,883
Invested Capital Turnover		 0.75 0.67 0.65 0.70 0.65 0.67 0.70 0.24 0.15 0.74
Increase / (Decrease) in Invested Capital		 111 -22 -6.84 519 346 405 276 -8,642 9,288 43
Enterprise Value (EV)		 10,234 8,476 6,625 7,417 6,169 6,361 4,970 4,955 2,669 2,635
Market Capitalization		 9,024 7,090 5,077 5,816 4,997 5,060 3,888 4,126 2,881 2,051
Book Value per Share		 $67.69 $58.97 $55.05 $52.74 $46.71 $39.95 $34.04 $32.07 $0.00 $23.69
Tangible Book Value per Share		 $66.34 $57.68 $46.56 $43.24 $45.56 $38.86 $32.92 $30.91 $0.00 $22.49
Total Capital		 4,157 4,046 4,069 4,075 3,556 3,210 2,805 2,529 0.00 1,883
Total Debt		 1,898 1,980 2,037 1,986 1,720 1,558 1,343 1,110 0.00 737
Total Long-Term Debt		 1,898 1,980 2,037 1,986 1,720 1,558 1,343 1,110 0.00 737
Net Debt		 1,210 1,386 1,548 1,593 1,173 1,301 1,081 830 -212 585
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 250 15 88 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,898 1,980 2,037 1,986 1,720 1,558 1,343 1,110 11,171 737
Total Depreciation and Amortization (D&A)		 318 306 299 273 243 272 250 12 194 167
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $13.73 $15.97 $9.77 $9.41 $9.60 $8.65 $7.35 $7.63 $4.59 $3.70
Adjusted Weighted Average Basic Shares Outstanding		 34.14M 35.95M 38.00M 39.53M 40.07M 42.18M 43.85M 45.60M 47.41M 50.88M
Adjusted Diluted Earnings per Share		 $13.71 $15.94 $9.74 $9.38 $9.57 $8.62 $7.33 $7.61 $4.59 $3.70
Adjusted Weighted Average Diluted Shares Outstanding		 34.20M 36.03M 38.11M 39.65M 40.19M 42.31M 43.99M 45.69M 47.45M 50.91M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 33.25M 34.85M 36.65M 39.24M 39.34M 41.11M 42.58M 44.31M 45.70M 48.07M
Normalized Net Operating Profit after Tax (NOPAT)		 720 591 555 532 386 366 324 350 219 190
Normalized NOPAT Margin		 23.50% 21.72% 21.09% 19.93% 17.64% 18.11% 17.32% 21.09% 23.13% 13.85%
Pre Tax Income Margin		 30.65% 28.35% 27.32% 24.10% 23.15% 23.58% 22.24% 22.85% 35.58% 21.23%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 37.52 29.02 26.39 21.02 17.57 16.56 14.44 13.32 11.77 8.68
NOPAT to Interest Expense		 28.77 22.23 20.37 15.55 13.39 12.72 11.25 12.29 7.65 5.67
EBIT Less CapEx to Interest Expense		 37.52 29.02 26.39 21.02 17.57 16.56 14.44 13.32 11.77 8.68
NOPAT Less CapEx to Interest Expense		 28.77 22.23 20.37 15.55 13.39 12.72 11.25 12.29 7.65 5.67
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 23.98% 16.25% 17.94% 15.68% 16.66% 15.73% 13.62% 10.23% 15.21% 17.28%
Augmented Payout Ratio		 115.03% 81.30% 94.23% 19.62% 76.59% 77.15% 78.46% 53.06% 83.60% 122.66%

Quarterly Metrics And Ratios for Primerica

This table displays calculated financial ratios and metrics derived from Primerica's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.55% 14.52% 11.17% 16.95% 7.71% 7.86% 3.66% 3.00% -0.15% -12.50% -2.80%
EBITDA Growth		 11.86% 102.41% 17.90% -66.89% 5.89% -21.64% 44.35% 11.62% 10.92% 37.53% -10.65%
EBIT Growth		 14.44% 137.52% 23.35% -95.87% 7.36% -27.45% 70.38% 16.00% 14.43% 45.89% -17.66%
NOPAT Growth		 13.91% 139.76% 23.68% -99.19% 7.65% -32.07% 97.90% 15.08% 13.98% 71.25% -28.61%
Net Income Growth		 22.59% 9.96% 8.10% -99.19% 7.65% 1.62% 91.13% 15.08% 13.98% 7.94% -28.61%
EPS Growth		 28.50% 14.95% 14.18% -99.24% 13.58% 7.00% 100.47% 19.94% 18.90% 14.61% -25.18%
Operating Cash Flow Growth		 -6.37% 12.27% 48.29% 27.65% 19.87% 16.80% -16.20% -20.24% -17.90% -6.96% 4.03%
Free Cash Flow Firm Growth		 660.75% 50.14% 224.43% 76.86% -160.31% -24.81% -220.73% -149.31% 137.91% 164.07% 192.07%
Invested Capital Growth		 -0.47% 2.74% -10.45% 0.67% 4.58% -0.55% 18.57% 6.77% 1.40% -0.17% -8.78%
Revenue Q/Q Growth		 4.73% -0.69% -3.67% 8.32% 2.27% -3.60% 1.34% -0.24% 0.47% -7.35% 0.70%
EBITDA Q/Q Growth		 -47.47% 73.21% 279.63% -65.84% -5.78% 0.90% 6.61% 9.24% -8.57% 85.86% -17.56%
EBIT Q/Q Growth		 -55.53% 95.47% 3,165.08% -95.65% -9.04% 1.52% 9.26% 13.15% -12.19% 138.42% -25.61%
NOPAT Q/Q Growth		 -56.24% 98.38% 16,529.97% -99.15% -9.23% 2.33% 8.96% 12.81% -14.32% 198.13% -36.64%
Net Income Q/Q Growth		 1.19% 1.64% 13,936.98% -99.15% -9.23% -0.08% 5.23% 12.81% -14.32% 87.92% -36.64%
EPS Q/Q Growth		 2.64% 1.86% 16,000.00% -99.24% -8.18% 1.18% 6.55% 14.74% -13.50% 89.57% -36.25%
Operating Cash Flow Q/Q Growth		 -27.04% 30.58% 19.61% -17.84% -12.51% 72.47% 2.96% -22.85% -14.75% 23.74% -1.99%
Free Cash Flow Firm Q/Q Growth		 -31.49% -57.39% 2,602.10% 41.50% -125.34% 135.31% -365.41% -252.44% -53.16% -43.30% 90.10%
Invested Capital Q/Q Growth		 -0.50% 7.38% -4.86% -2.09% 2.71% -6.40% 6.96% 1.71% -2.33% 11.59% -3.69%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 38.03% 75.81% 43.47% 11.03% 34.97% 42.89% 40.98% 38.96% 35.58% 59.04% 29.43%
EBIT Margin		 27.70% 65.24% 33.15% 0.98% 24.35% 31.46% 29.87% 27.71% 24.43% 46.77% 18.17%
Profit (Net Income) Margin		 21.16% 21.90% 21.40% 0.15% 18.74% 22.81% 22.01% 21.20% 18.75% 24.21% 11.94%
Tax Burden Percent		 76.38% 33.57% 64.57% 15.02% 76.94% 72.52% 73.68% 76.50% 76.73% 51.77% 65.68%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.62% 22.37% 23.51% 84.98% 23.06% 23.10% 23.71% 23.50% 23.27% 17.87% 34.32%
Return on Invested Capital (ROIC)		 16.00% 37.84% 18.78% 0.11% 13.10% 16.23% 15.65% 14.69% 12.79% 24.81% 8.49%
ROIC Less NNEP Spread (ROIC-NNEP)		 16.00% 26.53% 17.24% 0.11% 13.10% 15.77% 15.38% 14.69% 12.79% 20.45% 8.49%
Return on Net Nonoperating Assets (RNNOA)		 13.86% 23.79% 15.92% 0.10% 12.83% 15.47% 15.79% 15.62% 13.41% 19.97% 8.92%
Return on Equity (ROE)		 29.86% 61.63% 34.70% 0.21% 25.93% 31.70% 31.44% 30.31% 26.20% 44.78% 17.42%
Cash Return on Invested Capital (CROIC)		 18.34% 14.85% 22.75% 10.26% 9.95% 15.12% -2.45% 6.27% 10.84% 13.79% 21.12%
Operating Return on Assets (OROA)		 5.89% 13.50% 6.88% 0.20% 4.66% 5.77% 5.55% 5.00% 4.28% 8.00% 3.20%
Return on Assets (ROA)		 4.50% 4.53% 4.44% 0.03% 3.58% 4.19% 4.09% 3.82% 3.28% 4.14% 2.10%
Return on Common Equity (ROCE)		 29.86% 61.63% 34.70% 0.21% 25.93% 31.70% 31.44% 30.29% 26.17% 44.70% 17.38%
Return on Equity Simple (ROE_SIMPLE)		 22.23% 0.00% 23.39% 20.88% 26.83% 0.00% 24.83% 24.89% 25.13% 0.00% 28.15%
Net Operating Profit after Tax (NOPAT)		 169 386 195 1.17 138 161 157 145 128 237 80
NOPAT Margin		 21.16% 50.65% 25.36% 0.15% 18.74% 24.19% 22.79% 21.20% 18.75% 38.41% 11.94%
Net Nonoperating Expense Percent (NNEP)		 0.00% 11.31% 1.54% 0.00% 0.00% 0.46% 0.27% 0.00% 0.00% 4.36% 0.00%
SG&A Expenses to Revenue		 20.56% 21.70% 19.46% 18.76% 19.13% 18.89% 17.96% 18.01% 17.42% 17.89% 17.04%
Operating Expenses to Revenue		 72.30% 34.76% 66.85% 99.02% 75.65% 68.54% 70.13% 72.29% 75.57% 53.23% 81.83%
Earnings before Interest and Taxes (EBIT)		 221 498 255 7.80 179 210 206 189 167 289 121
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 304 578 334 88 257 286 283 266 243 365 196
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 4.19 3.99 4.61 3.82 4.03 3.43 2.96 3.50 3.22 2.50 2.78
Price to Tangible Book Value (P/TBV)		 4.28 4.08 4.72 3.91 4.67 3.51 3.41 4.13 3.84 2.96 3.45
Price to Revenue (P/Rev)		 3.02 2.95 2.96 2.74 3.10 2.60 2.50 2.60 2.30 1.93 1.66
Price to Earnings (P/E)		 18.86 19.18 19.70 18.31 15.01 12.30 11.93 14.05 12.76 10.76 9.75
Dividend Yield		 1.26% 1.22% 1.15% 1.19% 1.07% 1.28% 1.31% 1.23% 1.36% 1.60% 1.76%
Earnings Yield		 5.30% 5.21% 5.08% 5.46% 6.66% 8.13% 8.38% 7.12% 7.84% 9.30% 10.26%
Enterprise Value to Invested Capital (EV/IC)		 2.59 2.46 2.67 2.32 2.45 2.09 1.94 2.11 1.94 1.63 1.67
Enterprise Value to Revenue (EV/Rev)		 3.42 3.34 3.41 3.19 3.58 3.11 3.07 3.14 2.87 2.52 2.24
Enterprise Value to EBITDA (EV/EBITDA)		 8.31 8.14 10.95 10.55 9.50 7.87 7.93 8.77 8.19 6.51 6.63
Enterprise Value to EBIT (EV/EBIT)		 11.08 10.90 16.39 16.18 13.32 10.98 11.15 12.76 12.05 9.22 9.70
Enterprise Value to NOPAT (EV/NOPAT)		 14.47 14.21 21.53 21.29 17.36 14.34 14.48 16.97 16.01 11.94 13.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.63 11.87 12.42 12.33 13.99 12.24 12.76 12.43 10.74 8.74 7.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 14.09 16.80 11.10 22.67 25.17 13.82 0.00 34.68 18.06 11.80 7.54
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.83 0.84 0.99 0.92 0.90 0.96 0.87 1.01 1.07 1.00 1.25
Long-Term Debt to Equity		 0.83 0.84 0.99 0.92 0.90 0.96 0.87 1.01 1.07 1.00 1.25
Financial Leverage		 0.87 0.90 0.92 0.96 0.98 0.98 1.03 1.06 1.05 0.98 1.05
Leverage Ratio		 6.64 6.85 6.87 7.09 7.23 7.24 7.50 7.93 7.98 7.47 8.28
Compound Leverage Factor		 6.64 6.85 6.87 7.09 7.23 7.24 7.50 7.93 7.98 7.47 8.28
Debt to Total Capital		 45.45% 45.66% 49.71% 47.85% 47.40% 48.94% 46.51% 50.14% 51.66% 50.08% 55.57%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 45.45% 45.66% 49.71% 47.85% 47.40% 48.94% 46.51% 50.14% 51.66% 50.08% 55.57%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 54.55% 54.34% 50.29% 52.15% 52.60% 51.06% 53.49% 49.86% 48.34% 49.92% 44.43%
Debt to EBITDA		 1.46 1.51 2.04 2.18 1.84 1.84 1.90 2.09 2.18 2.00 2.21
Net Debt to EBITDA		 0.97 0.96 1.45 1.48 1.28 1.29 1.46 1.51 1.63 1.52 1.73
Long-Term Debt to EBITDA		 1.46 1.51 2.04 2.18 1.84 1.84 1.90 2.09 2.18 2.00 2.21
Debt to NOPAT		 2.54 2.64 4.01 4.39 3.36 3.35 3.47 4.04 4.25 3.67 4.44
Net Debt to NOPAT		 1.69 1.68 2.86 2.98 2.35 2.34 2.66 2.92 3.19 2.79 3.48
Long-Term Debt to NOPAT		 2.54 2.64 4.01 4.39 3.36 3.35 3.47 4.04 4.25 3.67 4.44
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.06% 0.12% 0.18% 0.20%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 189 275 647 -26 -44 183 -520 -112 73 244 430
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 31.44 45.38 106.12 -4.24 -6.52 27.86 -78.35 -16.70 10.95 36.06 63.28
Operating Cash Flow to Interest Expense		 32.89 44.58 34.02 28.41 31.15 36.60 21.07 20.30 26.30 30.49 24.52
Operating Cash Flow Less CapEx to Interest Expense		 32.89 44.58 34.02 28.41 31.15 36.60 21.07 20.30 26.30 30.49 24.52
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.21 0.21 0.21 0.20 0.19 0.18 0.19 0.18 0.18 0.17 0.18
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 4,136 4,157 3,871 4,069 4,156 4,046 4,323 4,042 3,974 4,069 3,646
Invested Capital Turnover		 0.76 0.75 0.74 0.73 0.70 0.67 0.69 0.69 0.68 0.65 0.71
Increase / (Decrease) in Invested Capital		 -20 111 -452 27 182 -22 677 256 55 -6.84 -351
Enterprise Value (EV)		 10,715 10,234 10,344 9,433 10,179 8,476 8,392 8,514 7,727 6,625 6,087
Market Capitalization		 9,461 9,024 8,969 8,113 8,802 7,090 6,850 7,050 6,189 5,077 4,499
Book Value per Share		 $67.86 $67.69 $57.55 $61.66 $62.66 $58.97 $64.65 $55.64 $52.42 $55.05 $43.25
Tangible Book Value per Share		 $66.50 $66.34 $56.21 $60.34 $54.06 $57.68 $56.12 $47.13 $43.95 $46.56 $34.82
Total Capital		 4,136 4,157 3,871 4,069 4,156 4,046 4,323 4,042 3,974 4,069 3,646
Total Debt		 1,880 1,898 1,924 1,947 1,970 1,980 2,011 2,026 2,053 2,037 2,026
Total Long-Term Debt		 1,880 1,898 1,924 1,947 1,970 1,980 2,011 2,026 2,053 2,037 2,026
Net Debt		 1,255 1,210 1,374 1,320 1,377 1,386 1,542 1,465 1,538 1,548 1,588
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 219 30 0.00 0.00 9.19 5.39 0.00 0.00 88 0.00
Net Nonoperating Obligations (NNO)		 1,880 1,898 1,924 1,947 1,970 1,980 2,011 2,026 2,053 2,037 2,026
Total Depreciation and Amortization (D&A)		 82 81 79 80 78 76 77 77 76 76 75
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $5.06 $4.92 $4.84 $0.03 $3.94 $4.30 $4.23 $3.97 $3.39 $4.01 $1.38
Adjusted Weighted Average Basic Shares Outstanding		 33.29M 34.14M 33.83M 34.38M 34.88M 35.95M 35.76M 36.22M 36.71M 38.00M 37.44M
Adjusted Diluted Earnings per Share		 $5.05 $4.92 $4.83 $0.03 $3.93 $4.28 $4.23 $3.97 $3.38 $4.00 $1.37
Adjusted Weighted Average Diluted Shares Outstanding		 33.34M 34.20M 33.89M 34.38M 34.94M 36.03M 35.82M 36.29M 36.80M 38.11M 37.54M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 32.86M 33.25M 33.37M 33.83M 34.41M 34.85M 35.03M 35.77M 36.23M 36.65M 36.90M
Normalized Net Operating Profit after Tax (NOPAT)		 169 386 195 194 138 161 157 154 128 237 119
Normalized NOPAT Margin		 21.16% 50.65% 25.36% 24.33% 18.74% 24.19% 22.79% 22.61% 18.75% 38.41% 17.85%
Pre Tax Income Margin		 27.70% 65.24% 33.15% 0.98% 24.35% 31.46% 29.87% 27.71% 24.43% 46.77% 18.17%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 36.86 81.97 41.78 1.28 26.47 31.81 31.12 28.25 24.95 42.67 17.81
NOPAT to Interest Expense		 28.16 63.63 31.96 0.19 20.37 24.46 23.74 21.61 19.15 35.05 11.70
EBIT Less CapEx to Interest Expense		 36.86 81.97 41.78 1.28 26.47 31.81 31.12 28.25 24.95 42.67 17.81
NOPAT Less CapEx to Interest Expense		 28.16 63.63 31.96 0.19 20.37 24.46 23.74 21.61 19.15 35.05 11.70
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 24.18% 23.98% 23.16% 22.19% 16.38% 16.25% 15.89% 17.63% 17.82% 17.94% 18.00%
Augmented Payout Ratio		 111.35% 115.03% 122.68% 119.43% 84.41% 81.30% 74.14% 82.49% 88.79% 94.23% 93.24%

Frequently Asked Questions About Primerica's Financials

When does Primerica's financial year end?

According to the most recent income statement we have on file, Primerica's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Primerica's net income changed over the last 9 years?

Primerica's net income appears to be on an upward trend, with a most recent value of $470.52 million in 2024, rising from $189.87 million in 2015. The previous period was $576.60 million in 2023. Find out what analysts predict for Primerica in the coming months.

How has Primerica revenue changed over the last 9 years?

Over the last 9 years, Primerica's total revenue changed from $1.37 billion in 2015 to $3.06 billion in 2024, a change of 123.5%.

How much debt does Primerica have?

Primerica's total liabilities were at $12.32 billion at the end of 2024, a 4.9% decrease from 2023, and a 30.2% increase since 2015.

How much cash does Primerica have?

In the past 9 years, Primerica's cash and equivalents has ranged from $152.29 million in 2015 to $687.82 million in 2024, and is currently $687.82 million as of their latest financial filing in 2024.

How has Primerica's book value per share changed over the last 9 years?

Over the last 9 years, Primerica's book value per share changed from 23.69 in 2015 to 67.69 in 2024, a change of 185.7%.


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This page (NYSE:PRI) was last updated on 5/22/2025 by MarketBeat.com Staff
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