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Upturn AI Summary - About
Primerica Inc(PRI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PRI
11/13/2026: PRI (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Primerica Inc is a specialized insurance and financial services provider that targets middle-income households in North America through a large independent sales force. The company maintains a leading position in the term life insurance market and has successfully diversified into investment products and senior health services. Its core investment story centers on the scalability of its unique distribution model and the growing financial needs of its client base. However, investors must monitor risks related to regulatory scrutiny, competitive pressure from digital-first firms, and the inherent challenges of managing a vast independent sales network. The stock may suit investors seeking a stable, dividend-paying company with consistent, albeit moderate, growth potential.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is steady rather than explosive, appealing more to those seeking consistent performance over high-beta upside. |
| Momentum investor | Weak fit | The stock typically follows broader market trends rather than exhibiting rapid, chart-breaking momentum. |
| Value investor | Strong fit | The company is often reasonably valued relative to its consistent earnings generation and strong cash flows. |
| Dividend investor | Strong fit | A solid history of dividend payments and a sustainable payout ratio make it attractive for income seekers. |
| Low-risk investor | Strong fit | Low business complexity and a strong balance sheet provide relative stability for more conservative portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock generally tracks market indices with moderate sensitivity. |
| Valuation risk | Low | Current valuations are generally in line with historical averages and earnings fundamentals. |
| Competition risk (financial services) | Medium / high | Fierce competition from larger firms and new fintech entrants remains a persistent challenge. |
| Business quality | Strong | The company maintains a distinct and resilient business model with high barriers to entry in its niche. |
| Dividend income | Low | The dividend is well-supported by consistent operating cash flows. |
| Execution risk | Medium | Continued success depends on effective recruitment and training of the independent sales force. |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.90B USD | Price to earnings Ratio 11.59 | 1Y Target Price 324 |
Price to earnings Ratio 11.59 | 1Y Target Price 324 | ||
Volume (30-day avg) 203.4K shares | Beta 0.84 | 52 Weeks Range 227.14 - 325.96 | Updated Date 11/14/2026 |
52 Weeks Range 227.14 - 325.96 | Updated Date 11/14/2026 | ||
Dividends yield (FY) 1.64% | Basic EPS (TTM) 25.31 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Insurance - Life
- BUY participation
- 75.0%
- Active BUY / eligible
- 3 / 4
- 30-Day BUY Count Change
- +3
Eligible universe: 4 stocks.
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -0.03% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Term Life Insurance | Premiums collected from term life insurance policies. | This is the primary revenue driver, providing predictable, long-term cash flow. |
| Investment and Savings | Fees and commissions from mutual funds and annuity sales. | This segment provides diversifying income that tends to grow with market participation. |
| Geography (North America) | Concentrated operations in the United States and Canada. | Exposure is limited to North American economic and regulatory conditions. |
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 2026-11-04 | When After Market | Estimate 6.39 | Actual 6.77 |
Profitability
Profit Margin 22.52% | Operating Margin (TTM) 31.1% |
Management Effectiveness
Return on Assets (TTM) 4.7% | Return on Equity (TTM) 31.18% |
Valuation
Trailing PE 11.59 | Forward PE 14.04 | Enterprise Value 9.82B | Price to Sales(TTM) 2.51 |
Enterprise Value 9.82B | Price to Sales(TTM) 2.51 | ||
Enterprise Value to Revenue 2.81 | Enterprise Value to EBITDA - | Shares Outstanding 30.35M | Shares Floating 30.19M |
Shares Outstanding 30.35M | Shares Floating 30.19M | ||
Percent Insiders 0.54 | Percent Institutions 96.95 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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