# Primerica Inc. (PRI) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $295.62, market value $9.1 billion.

## Valuation
- **P/E (trailing): 11.9×** (5-yr avg 13.2×, 3-yr avg 14.3×). Primerica Inc. trades at 11.9× trailing earnings, close to its own five-year average of 13.2×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.16**. A PEG of 0.16 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.7×**. Each dollar of revenue is priced at 2.7×.
- **Price / book: 3.6×**. The shares trade at 3.6× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 8.4%**. The inverse of the P/E: 8.4% of the price is earned each year.

## Profitability
- **Net margin: 22.8%**. 22.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 30.7%**. 30.7% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 5.3%**. Each dollar of assets produces 5.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 6.6%** (3-yr 7.4%/yr, 5-yr 8.2%/yr). Revenue grew 6.6% over the last year, against 8.2% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 67.1%** (3-yr 22.9%/yr, 5-yr 19.1%/yr). Earnings per share rose 67.1%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $756 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.62%** ($4.64 per share, trailing). Primerica Inc. yields 1.62%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 18%**. 18% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 21.1%/yr** (1-yr 26.1%). The dividend has compounded at 21.1% a year over five years, doubling roughly every 3 years at that pace.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover Primerica Inc.; the consensus is buy, with an average price target of $324.50 (+10% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 9.4%** (YTD 15.4%, 3-mo 11.2%). The shares are up 9.4% over twelve months including dividends.
- **From 52-week high: -9.7%** (28.5% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 0.25** (volatility 22%). Beta of 0.25 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PRI · Page: https://foliofundamentals.com/stocks/pri

Not investment advice.