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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
09/15/2026: PRI (2-star) is currently NOT-A-BUY. Pass it for now.
Primerica Inc is a specialized provider of term life insurance and investment products, uniquely serving middle-income North American households through a large, independent sales force. The company's strength lies in its ability to reach an underserved demographic, generating consistent cash flow and supporting long-term shareholder returns through dividends and buybacks. Its primary growth story revolves around digitizing operations and cross-selling financial products to an existing client base. Key risks include intense competition from low-cost digital insurers and the inherent challenges of maintaining a direct-sales distribution model. The stock is a fit for investors seeking reliable income and steady growth in the financial services sector.
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 compounding. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a clear upturn signal, as the stock typically follows broader financial sector trends. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples relative to its earnings growth potential. |
| Dividend investor | Strong fit | Consistent dividend payments and a commitment to capital returns make it a suitable candidate for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the business model entails regulatory and reputational risks associated with its distribution structure. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is sensitive to interest rate changes and overall market performance. |
| Valuation risk | Medium | Investors should monitor the P/E ratio to ensure it aligns with historical averages and growth prospects. |
| Competition risk (Direct-to-consumer insurance) | Medium / high | Digital-only insurance platforms may erode market share among younger demographics. |
| Business quality | Strong | The company maintains a high-quality, cash-generative franchise focused on a persistent market niche. |
| Dividend income | Strong | Reliable and growing dividend payments provide a steady income stream for shareholders. |
| Execution risk | Medium | The business model relies heavily on the continuous recruitment and retention of thousands of independent contractors. |
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 1.95% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2026 |
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
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.09B USD | Price to earnings Ratio 11.87 | 1Y Target Price 324.5 |
Price to earnings Ratio 11.87 | 1Y Target Price 324.5 | ||
Volume (30-day avg) 177.7K shares | Beta 0.85 | 52 Weeks Range 227.14 - 325.96 | Updated Date 09/15/2026 |
52 Weeks Range 227.14 - 325.96 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 1.59% | Basic EPS (TTM) 24.89 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Term Life Insurance | Premiums earned from underwriting and policies in force. | The bedrock of revenue, providing steady, long-term cash flow. |
| Investment and Savings | Commissions and fees from mutual funds and annuity sales. | Highly correlated with financial market performance and consumer savings habits. |
| Geography | Operations primarily across the United States and Canada. | Regional economic health in North America drives new policy acquisitions. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 11.87 | Forward PE 14.04 | Enterprise Value 10.30B | Price to Sales(TTM) 2.61 |
Enterprise Value 10.30B | Price to Sales(TTM) 2.61 | ||
Enterprise Value to Revenue 2.97 | Enterprise Value to EBITDA - | Shares Outstanding 30.78M | Shares Floating 30.61M |
Shares Outstanding 30.78M | Shares Floating 30.61M | ||
Percent Insiders 0.55 | Percent Institutions 96.55 |
Upturn AI Summary
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.
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.
About Primerica Inc
Exchange NYSE | Headquarters 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 2301 | Website https://www.primerica.com |
Full time employees 2301 | 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. It operates in three segments: Term Life Insurance; Investment and Savings Products; 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 to middle-income households. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.
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