PRI
BULLISH
$276.96
Live
Primerica, Inc. · NYSE
Target $293.33
(+5.9%)
$230.09
52W Range
$288.03
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated May 02, 2026
Market cap
$8.77B
P/E
12.09
ROE
31.9%
Profit margin
22.4%
Debt/Equity
0.78
Dividend yield
1.56%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
PRI presents a strong fundamental value proposition, characterized by a stable Piotroski F-Score of 4/9 and an exceptional ROE of 31.93%. While the current price of $276.96 trades at a premium to the defensive Graham Number ($199.04), it remains significantly discounted relative to its growth-based intrinsic value of $675.55. The company demonstrates consistent earnings reliability with a high beat rate over 25 quarters and a low P/E ratio (12.09) compared to the financial services sector average. However, the bullish fundamental outlook is tempered by bearish insider sentiment and weak short-term technical trends.
Key Strengths
Exceptional Return on Equity (ROE) of 31.93%
Significant valuation discount relative to sector average P/E (12.09 vs 35.39)
Strong earnings growth track record with 23.5% YoY EPS growth
Robust liquidity position with a Current Ratio of 3.54
Highly sustainable dividend payout ratio of 18.16%
Key Risks
Bearish insider activity with sales from the CEO and President
Very weak technical trend score (10/100)
Moderate Piotroski F-Score (4/9) indicating only stable, not strong, financial health
Low dividend yield (1.56%) providing little income support
Potential sensitivity to insurance regulatory changes or market volatility
AI Fair Value Estimate
Based on comprehensive analysis
$385.0
+39.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
70
Strong
85
80
90
55
40
AI Verdict
Strong Value/Growth Hybrid
Key drivers: Low P/E relative to growth, High ROE, Consistent earnings beats
Confidence
80%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 12.09 is very low for the sector
- PEG ratio of 1.07 suggests fair valuation relative to growth
Watchpoints
- Trading above Graham Number ($199.04)
Future
80/100
Ref Growth rates
Positives
- 23.5% YoY Earnings Growth
- Consistent quarterly earnings progression
Watchpoints
- Recent Q/Q EPS growth dip of -3.2%
Past
90/100
Ref Historical trends
Positives
- Strong 25-quarter track record of beating estimates
- Positive 5Y price change of 84%
Watchpoints
No urgent risks highlighted.
Health
55/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Low Debt/Equity (0.78) compared to sector (1.29)
- High Current Ratio (3.54)
Watchpoints
- Piotroski F-Score of 4/9 is only 'Stable'
Dividend
40/100
Ref Yield, Payout
Positives
- Very low payout ratio (18.16%) allows for future increases
Watchpoints
- Low yield (1.56%)
- Low overall dividend strength score (25/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$276.96
Analyst Target
$293.33
Upside/Downside
+5.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PRI and closest competitors.
Updated 2026-05-01
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PRI
Primerica, Inc.
Primary
|
+84.0% | +59.4% | +9.0% | +7.5% | +9.1% | -1.1% |
|
CFR
Cullen/Frost Bankers, Inc.
Peer
|
+37.7% | +46.9% | +25.1% | +19.4% | +5.5% | -0.2% |
|
AMG
Affiliated Managers Group, Inc.
Peer
|
+181.7% | +94.2% | +71.8% | +48.2% | +9.8% | -1.9% |
|
BOKF
BOK Financial Corporation
Peer
|
+89.8% | +43.0% | +22.1% | +26.9% | +8.8% | +3.0% |
|
SNEX
StoneX Group Inc.
Peer
|
+445.4% | +244.0% | +98.1% | +58.6% | +52.2% | +14.1% |
PRI
Primerica, Inc.
Primary
5Y
+84.0%
3Y
+59.4%
1Y
+9.0%
6M
+7.5%
1M
+9.1%
1W
-1.1%
CFR
Cullen/Frost Bankers, Inc.
Peer
5Y
+37.7%
3Y
+46.9%
1Y
+25.1%
6M
+19.4%
1M
+5.5%
1W
-0.2%
AMG
Affiliated Managers Group, Inc.
Peer
5Y
+181.7%
3Y
+94.2%
1Y
+71.8%
6M
+48.2%
1M
+9.8%
1W
-1.9%
BOK
BOK Financial Corporation
Peer
5Y
+89.8%
3Y
+43.0%
1Y
+22.1%
6M
+26.9%
1M
+8.8%
1W
+3.0%
SNE
StoneX Group Inc.
Peer
5Y
+445.4%
3Y
+244.0%
1Y
+98.1%
6M
+58.6%
1M
+52.2%
1W
+14.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.09
Forward P/E
10.59
PEG Ratio
1.07
P/B Ratio
3.6
P/S Ratio
2.62
EV/Revenue
2.96
EV/EBITDA
9.21
Market Cap
$8.77B
Profitability
Profit margins and return metrics
Profit Margin
22.43%
Operating Margin
30.8%
Gross Margin
70.91%
ROE
31.93%
ROA
4.46%
Growth
Revenue and earnings growth rates
Revenue Growth
+8.0%
Earnings Growth
+23.5%
Q/Q Revenue Growth
+8.34%
Q/Q Earnings Growth
+17.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.78
Moderate
Current Ratio
3.54
Strong
Quick Ratio
1.01
Good
Cash/Share
$24.29
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.9B
Net Margin
23.1%
Total Assets
$15.0B
Liabilities
$12.6B
Equity
$2.4B
Debt/Equity
5.14x
Operating CF
$0.3B
CapEx
$-0.0B
Free Cash Flow
$0.3B
FCF Yield
97%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-06
$N/A
2026-02-11
$6.13
+8.0% surprise
2025-11-05
$6.33
+14.2% surprise
2025-08-06
$5.46
+4.9% surprise
Financial Services Sector Comparison
Comparing PRI against 1034 companies in the Financial Services sector
(162 bullish, 450 neutral, 422 bearish)
P/E Ratio
12.09
This Stock
vs
35.38
Sector Avg
-65.8%
(Discount)
Return on Equity (ROE)
31.93%
This Stock
vs
0.74%
Sector Avg
+4224.6%
(Excellent)
Profit Margin
22.43%
This Stock
vs
85.98%
Sector Avg
-73.9%
(Weaker)
Debt to Equity
0.78
This Stock
vs
1.29
Sector Avg
-39.4%
(Less Debt)
Revenue Growth
8.0%
This Stock
vs
32.8%
Sector Avg
-75.6%
(Slower)
Current Ratio
3.54
This Stock
vs
3.68
Sector Avg
-3.8%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PRI
Primerica, Inc.
|
BULLISH | $8.77B | 12.09 | 31.9% | 22.4% | $276.96 | |
|
CFR
Cullen/Frost Bankers, Inc.
|
NEUTRAL | $8.99B | 14.4 | 15.3% | 29.6% | $142.8 | Compare |
|
AMG
Affiliated Managers Group, Inc.
|
BULLISH | $9.09B | 19.73 | 16.2% | 26.0% | $319.82 | Compare |
|
BOKF
BOK Financial Corporation
|
NEUTRAL | $8.36B | 14.41 | 10.1% | 26.6% | $132.12 | Compare |
|
SNEX
StoneX Group Inc.
|
BULLISH | $8.34B | 23.77 | 16.7% | 0.3% | $106.03 | Compare |
PRI
Primerica, Inc.
BULLISH
Mkt Cap
$8.8B
P/E
12.1
ROE
31.9%
Price
$276.96
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-13 | CRITTENDEN GARY L | Director | Stock Award | 99 | $24,850 |
| 2026-03-13 | DAY CYNTHIA N | Director | Stock Award | 94 | $23,449 |
| 2026-03-13 | WILLIAMS DONALD RICHARD | Director | Stock Award | 44 | $10,976 |
| 2026-03-13 | BABBIT JOEL M | Director | Stock Award | 36 | $9,122 |
| 2026-03-13 | YASTINE BARBARA A | Director | Stock Award | 64 | $16,187 |
| 2026-03-13 | PEREZ BEATRIZ R | Director | Stock Award | 54 | $13,569 |
| 2026-03-13 | COTTLE AMBER LYNNE | Director | Stock Award | 14 | $3,628 |
| 2026-03-10 | SCHNEIDER PETER W W | President | Sale | 1,800 | $454,284 |
| 2026-03-06 | WILLIAMS DONALD RICHARD | Director | Gift | 8,000 | - |
| 2026-03-02 | JENDUSA NICHOLAS ADAM | Officer | Sale | 190 | $48,546 |
| 2026-02-27 | WILLIAMS GLENN JACKSON | Chief Executive Officer | Stock Award | 8,817 | $2,236,520 |
| 2026-02-27 | WILLIAMS GLENN JACKSON | Chief Executive Officer | Option Exercise | 5,090 | $1,291,129 |
| 2026-02-27 | SCHNEIDER PETER W W | President | Stock Award | 7,013 | $1,778,918 |
| 2026-02-27 | SCHNEIDER PETER W W | President | Option Exercise | 3,880 | $984,201 |
| 2026-02-27 | TAN TRACY XIANGYAN | Chief Financial Officer | Option Exercise | 1,789 | $453,773 |
CRITTENDEN GARY L
Director
2026-03-13
99 shares
·
$24,850
DAY CYNTHIA N
Director
2026-03-13
94 shares
·
$23,449
WILLIAMS DONALD RICHARD
Director
2026-03-13
44 shares
·
$10,976
BABBIT JOEL M
Director
2026-03-13
36 shares
·
$9,122
YASTINE BARBARA A
Director
2026-03-13
64 shares
·
$16,187
PEREZ BEATRIZ R
Director
2026-03-13
54 shares
·
$13,569
COTTLE AMBER LYNNE
Director
2026-03-13
14 shares
·
$3,628
SCHNEIDER PETER W W
President
2026-03-10
1,800 shares
·
$454,284
WILLIAMS DONALD RICHARD
Director
2026-03-06
8,000 shares
JENDUSA NICHOLAS ADAM
Officer
2026-03-02
190 shares
·
$48,546
WILLIAMS GLENN JACKSON
Chief Executive Officer
2026-02-27
8,817 shares
·
$2,236,520
WILLIAMS GLENN JACKSON
Chief Executive Officer
2026-02-27
5,090 shares
·
$1,291,129
SCHNEIDER PETER W W
President
2026-02-27
7,013 shares
·
$1,778,918
SCHNEIDER PETER W W
President
2026-02-27
3,880 shares
·
$984,201
TAN TRACY XIANGYAN
Chief Financial Officer
2026-02-27
1,789 shares
·
$453,773
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
10-Q
8-K
10-Q
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
6 analysts
Morgan Stanley
2026-03-03
Equal-Weight
Equal-Weight
Morgan Stanley
2025-11-17
Equal-Weight
Equal-Weight
Keefe, Bruyette & Woods
2025-11-11
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning PRI from our newsroom.
Newest → oldest
No matching news yet.