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Upturn AI SWOT - About
PRI 
Primerica Inc (PRI)
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Upturn Advisory Summary
07/16/2025: PRI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $307.14
1 Year Target Price $307.14
| 2 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.17% | Avg. Invested days 72 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.56B USD | Price to earnings Ratio 11.93 | 1Y Target Price 307.14 |
Price to earnings Ratio 11.93 | 1Y Target Price 307.14 | ||
Volume (30-day avg) 9 | Beta 0.99 | 52 Weeks Range 230.10 - 305.59 | Updated Date 07/16/2025 |
52 Weeks Range 230.10 - 305.59 | Updated Date 07/16/2025 | ||
Dividends yield (FY) 1.52% | Basic EPS (TTM) 21.82 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.58% | Operating Margin (TTM) 29.53% |
Management Effectiveness
Return on Assets (TTM) 4.46% | Return on Equity (TTM) 33.35% |
Valuation
Trailing PE 11.93 | Forward PE 14.04 | Enterprise Value 10122984106 | Price to Sales(TTM) 2.66 |
Enterprise Value 10122984106 | Price to Sales(TTM) 2.66 | ||
Enterprise Value to Revenue 3.21 | Enterprise Value to EBITDA - | Shares Outstanding 32859100 | Shares Floating 32658646 |
Shares Outstanding 32859100 | Shares Floating 32658646 | ||
Percent Insiders 0.59 | Percent Institutions 94.26 |
Upturn AI SWOT
Primerica Inc
Company Overview
History and Background
Primerica, Inc. was founded in 1977 by Arthur L. Williams Jr. as A. L. Williams & Associates. It later became a subsidiary of Primerica Corporation. In April 2010, Primerica separated from Citigroup and became a publicly traded company.
Core Business Areas
- Term Life Insurance: Provides term life insurance to clients, offering coverage at competitive prices. This segment represents a significant portion of Primerica's revenue.
- Investment and Savings Products: Offers mutual funds, variable annuities, and other investment products through third-party providers. This includes managed accounts through Primerica Advisors.
- Senior Health: Provide health insurance products to seniors.
- Debt Solutions: Provide products to help clients handle debt, such as personal loans.
Leadership and Structure
Glenn J. Williams is the Chief Executive Officer. The company operates with a multi-level marketing structure, relying on independent representatives to sell its products.
Top Products and Market Share
Key Offerings
- Term Life Insurance: Primerica is a major provider of term life insurance in North America. While exact market share data fluctuates, they are consistently among the top term life insurance providers. Competitors include New York Life, Northwestern Mutual, and State Farm. They rely on insurance companies such as National Benefit Life Insurance Company.
- Investment and Savings Products: Primerica offers various investment products through arrangements with companies like Invesco. These products include mutual funds, variable annuities, and managed accounts. Competition includes firms like Fidelity, Vanguard, and Charles Schwab.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to economic cycles and regulatory changes. Demand for life insurance and investment products is influenced by factors like interest rates, market performance, and consumer confidence.
Positioning
Primerica positions itself as a provider of financial solutions for middle-income families. Its distribution model, relying on a large network of independent representatives, is a key competitive advantage.
Total Addressable Market (TAM)
The TAM for life insurance and investment products is very large, estimated to be in the trillions of dollars annually. Primerica's current market share represents a small portion of this TAM, suggesting potential for future growth.
Upturn SWOT Analysis
Strengths
- Large and motivated sales force
- Strong brand recognition among middle-income families
- Focus on financial education and needs-based selling
- Recurring revenue from insurance renewals
- High ROE
Weaknesses
- Reliance on independent representatives (multi-level marketing)
- Potential for regulatory scrutiny related to sales practices
- Sensitivity to economic downturns
- High commission expenses.
Opportunities
- Expanding product offerings to meet evolving customer needs
- Growing demand for financial planning services
- Increasing penetration in underserved markets
- Technological advancements to improve sales and operations
Threats
- Increased competition from established financial institutions
- Changes in regulations affecting the financial services industry
- Economic downturns impacting consumer spending and investment
- Negative publicity related to sales practices or representative misconduct
- Rise of automated financial advisors (robo-advisors).
Competitors and Market Share
Key Competitors
- PRU
- MET
- SLF
Competitive Landscape
Primericau2019s main advantage lies in its extensive network of representatives and focus on middle-income clients. Competitors like Prudential (PRU) and MetLife (MET) have broader product ranges and established brand recognition, but may not have the same focus on this demographic.
Growth Trajectory and Initiatives
Historical Growth: Primerica has demonstrated steady growth in revenue, net income, and number of representatives over the past several years.
Future Projections: Analysts project continued growth for Primerica, driven by increasing demand for its products and services, particularly in the middle-income market.
Recent Initiatives: Recent strategic initiatives include expanding product offerings, investing in technology to improve sales and operations, and increasing brand awareness through marketing campaigns.
Summary
Primerica is a strong financial services company focusing on middle-income families through its large network of representatives, particularly for term life insurance. Its multi-level marketing structure and regulatory scrutiny need constant attention. However, with steady growth in sales and strategic product expansions, Primerica is well-positioned to continue its growth trajectory. It must be mindful of increased competition from established financial firms and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Primerica Inc
Exchange NYSE | Headquaters Duluth, GA, United States | ||
IPO Launch date 2010-04-01 | CEO & Director Mr. Glenn Jackson Williams | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 2289 | Website https://www.primerica.com |
Full time employees 2289 | Website https://www.primerica.com | ||
Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. The company operates in three segments: Term Life Insurance; Investment and Savings Products; Senior Health; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities; and offers segregated funds. The Corporate and Other Distributed Products segment provides mortgage loans; prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters; ID theft defense services; auto and homeowners' insurance; home automation solutions; and insurance products, including supplemental and accidental death, and disability insurance. It distributes and sells its products through licensed sales representatives. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.
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