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Primerica(NYSE) PRI

Market Cap$9.57BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2010)+1,816%
5 Year+122%
1 Year+20%
1 Month+0%
$310.36
-0.78%
-2.43Today
After hours$310.71+$0.35 (+0.11%)
Primerica last closing stock price
MetricPriceDate
Last closeUSD 310.842026-08-12
Primerica stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.04%USD 320.592026-08-05
1 month+0.2%USD 310.222026-07-13
3 month+15.85%USD 268.322026-05-14
Year to date+21.39%USD 256.082025-12-31
1 year+19.58%USD 259.942025-08-12
3 year+52.26%USD 204.162023-08-11
5 year+122.06%USD 139.982021-08-13
Since inception+1,815.97%USD 16.332010-04-01

Primerica Financials at a Glance

Market Cap

$9.57BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$3.40B

Net Income (TTM)

$796.21M

EPS (TTM)

$24.91

P/E Ratio

12.48

Dividend

$4.48

Beta (Volatility)

0.83 (Low)

Price

$310.36

Volume

191,202.063

Open

$311.04

Previous Close

$310.84

Daily Range

$307.87 - $314.94

52-Week Range

$230.09 - $327.28

Estimated Earnings Date

Nov 4, 2026

PRI News

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Eric VolkmanAug 14, 2017
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Why Financial Advisory Stocks Surged on Wednesday

Jordan WathenNov 9, 2016
Primerica_logo

Investing in Socially Responsible Companies: Primerica, Inc.

Matt Frankel, CFP®Nov 3, 2014

If the FTC Slams Herbalife, These Stocks Could Get Hit Hard

Sam MatteraMar 18, 2014
PRI logo

Here's What You Should Expect From Primerica's Earnings

Jessica AllingFeb 11, 2014

Primerica Declares Q2 Dividend

Eric VolkmanAug 12, 2013
life_insurance

Primerica Buying Back Stock and Warrants From Warburg Pincus

Rich DupreyMay 29, 2013

Primerica Keeps Dividend Steady at $0.11

Rich DupreyMay 14, 2013
Page 1

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About Primerica

Primerica helps middle-income families protect their finances and save for the future. It sells life insurance and investment products to households in the United States and Canada. The company uses a large network of local representatives to explain money basics to its clients.

What Primerica Sells

  • Term Life Insurance: Pure protection policies that pay a death benefit without savings features; designed for families with children or mortgages.
  • Investment and Savings: Mutual funds, managed accounts, and annuities distributed for third-party firms to help clients build retirement savings.
  • Senior Health: Specialized insurance products including Medicare Advantage and supplement plans for older adults.
  • Corporate and Other: Support services and referrals for auto insurance, homeowners' insurance, mortgage loans, and legal protection subscriptions.

Strategic Moves and Partnerships

  • Launched a new generation of life insurance products called PowerTerm and PrecisionTerm in most regions in October 2022.
  • Expanded the rapid-issue PowerTerm product to New York in September 2025 to streamline the application process.
  • Partnered with The Canada Life Assurance Company to distribute new segregated fund contracts in the Canadian market.
  • Maintained a contractual relationship with Rocket Mortgage to offer refinance and purchase-money mortgage loans through licensed originators.

What Makes the Business Different

The company operates through a massive network of 151,524 life insurance-licensed independent representatives who focus on their own local communities. This entrepreneurial model allows the firm to reach underserved middle-income households without spending heavily on traditional advertising.

The Recent Numbers

  • Revenue reached $838 million in Q4 2025, up 6.4% from Q4 2024.
  • Net income rose to $197 million in Q4 2025, a 17.9% increase year-over-year.
  • Free cash flow hit $325.7 million in Q4 2025, up 21.5% from the previous year.
  • Operating income grew to $247.1 million in Q4 2025, up 13.1% from $218.5 million in Q4 2024.

Bottom Line

Primerica has built a scalable distribution system that turns insurance and investment sales into steady, fee-based revenue. Its focus on the financial needs of middle-income families has allowed it to grow its licensed sales force and client base across North America.

AI Generated • Apr 21, 2026

Industry

Insurance

Sector

Financials

Employees

2,833

CEO

Glenn J. Williams

Website

www.primerica.com

Headquarters

Duluth, GA 30099, US

PRI Financials

Key Financial Metrics (TTM)

Gross Margin

72.14%

Operating Margin

30.19%

Net Income Margin

23.42%

Return on Equity

32.55%

Return on Capital

22.85%

Return on Assets

5.39%

Earnings Yield

8.01%

Dividend Yield

1.44%

Payout Ratio

17.92%

Stock Overview

Market Cap

$9.57BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

30.78M

Volume

191.20K

Avg. Volume

194.56K

Financials (TTM)

Gross Profit

$2.45B

Operating Income

$1.03B

EBITDA

$1.15B

Operating Cash Flow

$891.75M

Capital Expenditure

-$32.14M

Free Cash Flow

$859.61M

Cash & ST Invst.

$605.13M

Total Debt

$642.57M

Primerica Performance Analysis

Primerica annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 2,784,055,0000.9%
20232023-12-31USD 2,813,981,0001.1%
20242024-12-31USD 3,151,795,00012.0%
20252025-12-31USD 3,349,756,0006.3%
Primerica sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.9%
Q42025-12-31-0.2%
Q12026-03-312.2%
Q22026-06-301.0%
Primerica annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 12.3331.5%
20232023-12-31USD 15.9429.2%
20242024-12-31USD 13.65-14.4%
20252025-12-31USD 22.9167.9%
Primerica sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3017.6%
Q42025-12-31-3.5%
Q12026-03-31-2.6%
Q22026-06-308.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$865.07M

+9.1%

Gross Profit

$717.74M

+117.3%

Gross Margin

82.97%

N/A

Market Cap

$9.57BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$4.14M

N/A

Employees

2,309

N/A

Net Income

$202.28M

+13.4%

EBITDA

$349.18M

+42.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$605.13M

-64.4%

Total Debt

$642.57M

-66.3%

Accounts Receivable

$291.44M

-90.8%

Inventory

$0.00

N/A

Long Term Debt

$642.57M

-66.3%

Short Term Debt

$0.00

N/A

Return on Assets

5.39%

N/A

Return on Invested Capital

7.18%

N/A

Free Cash Flow

$167.09M

+5.1%

Operating Cash Flow

$193.82M

+19.2%

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Questions About PRI

What is the current price of Primerica?

Primerica is trading at $310.84 per share.

What is the 52-week range for Primerica?

Over the past 52 weeks, Primerica has traded between $230.09 and $327.28.

How much debt does Primerica have?

As of the most recent reporting period, Primerica reported total debt of $1.72B.

How much cash does Primerica have on hand?

Primerica reported $600.18M in cash and cash equivalents in its most recent financial results.

What is Primerica’s dividend yield?

Primerica currently has a dividend yield of 1.44%.

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