Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PRI
BUYFLAGPrimerica, Inc. · Financial Services · United States · $9.8B · Avg Vol: $57M/d
Primerica has strong quality Q75 and momentum M66 with a buyback retiring 1.75% of shares, but value at V44 is below the calibrated floor, so stage one fails. Insider selling is separately adverse.
COMPANY DESCRIPTION
Primerica, Inc. distributes financial products and services, primarily term life insurance, mutual funds, and annuities, to middle-income families in North America. The company leverages a vast direct-selling distribution model through an independent sales force, focusing on an underserved demographic. This unique approach establishes Primerica as a leading independent financial services marketing company, providing essential financial education and products.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.7B | 2.7B | 3.1B | 3.3B | 7.4% | 3.5B | 3.5B | 3.7B | 5.9% |
| EPS | 12.08 | 15.97 | 13.73 | 22.95 | 23.9% | 24.87 | 24.86 | 26.96 | 8.4% |
| Shares | 36.8M | 35.0M | 33.4M | 31.8M | -13.6% | 30.8M | — | — | — |
| Debt | 2.1B | 2.0B | 2.0B | 1.8B | -4.4% | 1.8B | — | — | — |
| Equity | 2.0B | 2.1B | 2.3B | 2.4B | 6.4% | — | — | — | — |
| Op CF | 757.7M | 692.5M | 862.1M | 901.2M | 6.0% | 891.7M | — | — | — |
| Inv CF | -200.0M | -90.1M | -232.3M | -235.6M | — | — | — | — | — |
| Fin CF | -457.9M | -479.6M | -551.1M | -599.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PRI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PRI | Primerica, Inc.(you) | $9.8B | 77 | BUY |
| LNC | Lincoln National Corporation | $7.9B | 81 | STRONG BUY |
| GL | Globe Life Inc. | $13.5B | 65 | BUY |
| BHF | Brighthouse Financial, Inc. | $3.6B | 80 | STRONG BUY |
| UNM | Unum Group | $13.8B | 54 | HOLD |
| PRU | Prudential Financial, Inc. | $41.7B | 74 | BUY |
| GNW | Genworth Financial, Inc. | $3.8B | 64 | HOLD |
| CNO | CNO Financial Group, Inc. | $5.0B | 57 | HOLD |
| JXN | Jackson Financial Inc. | $8.3B | 45 | HOLD |
| MET.MX | MetLife, Inc. | $55.1B | 63 | HOLD |
Peer medians: ROE 9.7% · P/E 13.4x · Gross margin 100.0%