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Primerica

NYQ:PRI · US74164M1080
InsuranceMedium

360

86
EV / EBIT55
Price / Owner Earnings64
Owner Earnings Yield55
Dividend Yield55
Price/Sales16
EV / Gross Profit67
Price/Book7
Returns on capital100
Profit margins76
Cash Conversion52
Accruals34
Owner Earnings Margin93
Sales growth75
Profit Growth50
Long-Term EPS Growth29
Owner Earnings Growth48
Reinvestment5
Price momentum49
Debt load14
Debt serviceability63
Liquidity86
Analyst ratings64
Opinion Changes50
Price Target Upside65
Market mood87
Value Creation16/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Primerica generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeNYSE
Founded2009
Employees33,565
Websiteprimerica.com/public
ISINUS74164M1080
Last UpdateApr 2, 2026
Indices
S&P MIDCAP (USA)D.J. US Insurance
Themes
ConsultingFinanceFinancial ServicesFinTechInsuranceLife Insurance

Description

Primerica, Inc. (Primerica) provides financial products and services to middle-income households in the United States and Canada with life insurance-licensed sales representatives. These independent licensed representatives, referred to as the indepe…

Analysis

Beloved champion

Primerica, Inc. is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is attractive. You pay 11.4× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is sturdy. The company scores 16/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
39
2023202420252026

All-time high

92

Jan 2025

All-time low

39

Jun 2026

Average rank

68

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
16
19
18
21
Price/Earnings
40
34
43
45
Price/Book
7
18
16
11
Dividend Yield
55
36
36
39
Value (overall)
12
21
18
21

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →