PRI
Premium GrowerAI pickPrimerica, Inc. · Financial Services · United States · $8.4B cap · $59.6M/day traded
$295.61 -2.8% · close 11 Nov · scored 11 Nov
Score up 1.3 since 10 Nov.
Premium Grower: Strong business with the market behind it, priced at a premium.
After its 4 Nov results, analysts left next year's EPS estimate little changed.
As of 11 Nov 2026, the MoatMap Score for Primerica, Inc. (PRI) is 77/100, ranked against 25,000+ stocks in 38 markets (Quality 75, Value 39, Momentum 61, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
Primerica sells term life insurance and investment products to middle-income US households through a network of about 150,000 part-time licensed representatives, a distribution model that is hard to copy and lets it reach customers larger insurers find uneconomic. Term life is a simple, low-risk product that throws off steady cash, and the company returns most of it: it repurchased about 1.6% of its shares in the last 90 days alone on top of a growing dividend, and has compounded earnings per share at double-digit rates with returns on equity above 25%. Higher interest rates lift income on its investment portfolio and support demand for its savings products, while the shares trade on a modest multiple for that record. Insider selling is negligible at 0.01% of shares.
ABOUT PRIMERICA, INC.
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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 | 6.2% |
| EPS | 12.08 | 15.97 | 13.73 | 22.95 | 23.9% | 25.31 | 25.30 | 27.26 | 9.0% |
| Shares | 36.8M | 35.0M | 33.4M | 31.8M | -13.6% | 30.3M | — | — | — |
| 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 | — | — | — | — | — |
Above its 200-day average and 7% below its 52-week high.
Calmer than 90% of stocks we rank over the past year (volatility 21% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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 | Score |
|---|---|---|---|
| PRI | Primerica, Inc.(you) | $8.4B | 77 |
| JXN | Jackson Financial Inc. | $8.8B | 73 |
| LNC | Lincoln National Corporation | $7.6B | 87 |
| CNO | CNO Financial Group, Inc. | $5.0B | 79 |
| GL | Globe Life Inc. | $11.9B | 56 |
| PRU | Prudential Financial, Inc. | $39.7B | 62 |
| BHF | Brighthouse Financial, Inc. | $2.6B | 53 |
| MET | MetLife, Inc. | $62.8B | 69 |
| FG | F&G Annuities & Life, Inc. | $2.7B | 48 |
| UNM | Unum Group | $14.3B | 32 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 70.8%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.