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Primerica Inc (PRI)

Upturn stock ratingUpturn stock rating
$269.85
Last Close (24-hour delay)
Profit since last BUY0.23%
upturn advisory
Consider higher Upturn Star rating
BUY since 9 days
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Upturn Advisory Summary

09/15/2025: PRI (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

9 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $308.71

1 Year Target Price $308.71

Analysts Price Target For last 52 week
$308.71 Target price
52w Low $229.19
Current$269.85
52w High $304.39

Analysis of Past Performance

Type Stock
Historic Profit 25.49%
Avg. Invested days 64
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/15/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 8.88B USD
Price to earnings Ratio 12.95
1Y Target Price 308.71
Price to earnings Ratio 12.95
1Y Target Price 308.71
Volume (30-day avg) 9
Beta 1
52 Weeks Range 229.19 - 304.39
Updated Date 09/15/2025
52 Weeks Range 229.19 - 304.39
Updated Date 09/15/2025
Dividends yield (FY) 1.47%
Basic EPS (TTM) 21.17

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 21.08%
Operating Margin (TTM) 31.58%

Management Effectiveness

Return on Assets (TTM) 4.31%
Return on Equity (TTM) 32.05%

Valuation

Trailing PE 12.95
Forward PE 14.04
Enterprise Value 10250646248
Price to Sales(TTM) 2.76
Enterprise Value 10250646248
Price to Sales(TTM) 2.76
Enterprise Value to Revenue 3.24
Enterprise Value to EBITDA -
Shares Outstanding 32391300
Shares Floating 32195365
Shares Outstanding 32391300
Shares Floating 32195365
Percent Insiders 0.58
Percent Institutions 94.93

ai summary icon Upturn AI SWOT

Primerica Inc

stock logo

Company Overview

overview logo History and Background

Primerica was founded in 1977 by Arthur L. Williams Jr. as A. L. Williams & Associates. Initially focused on term life insurance, it aimed to disrupt the traditional whole life insurance market. The company went public in 2010 after being spun off from Citigroup.

business area logo Core Business Areas

  • Life Insurance: Provides term life insurance policies to families. It's the largest segment of their business, offering coverage designed to meet specific needs and budgets.
  • Investment and Savings Products: Offers a range of investment products and services, including mutual funds, variable annuities, and managed accounts. Helps clients plan for retirement and other financial goals.
  • Senior Health: Sells Medicare-related insurance plans in partnership with eHealth, Inc. and other carriers, catering to the needs of the senior demographic.
  • Debt Solutions: Offers debt management services through a third-party referral arrangement.

leadership logo Leadership and Structure

Glenn J. Williams is the CEO. The company operates with a network of licensed representatives who recruit, train, and sell Primerica's products and services. The corporate structure supports this large sales force.

Top Products and Market Share

overview logo Key Offerings

  • Term Life Insurance: Primerica is a leading provider of term life insurance in North America. Market share data is not explicitly published, but they consistently rank among the top providers by face amount in force. Revenue derived from life insurance policy sales account for a major portion of the company's earnings. Competitors include New York Life, Northwestern Mutual, and State Farm, as well as other publicly traded companies like Prudential (PRU) and MetLife (MET).
  • Investment and Savings Products (Mutual Funds, Annuities): Primerica distributes mutual funds, variable annuities, and other investment products through third-party relationships. While not the market leader, they generate significant revenue through commissions and fees. Exact market share data is unavailable. Competitors include Fidelity, Vanguard, and Charles Schwab (SCHW).
  • Senior Health: Primerica offers Medicare related insurance plans to seniors through third party carriers. Exact market share data is unavailable. Competitors include UnitedHealth Group (UNH), Humana (HUM), and CVS Health (CVS).

Market Dynamics

industry overview logo Industry Overview

The financial services industry is highly competitive and heavily regulated. It's influenced by economic conditions, interest rates, and demographic trends. The demand for life insurance and investment products is driven by factors like aging populations, increasing healthcare costs, and the need for retirement planning.

Positioning

Primerica positions itself as a provider of financial solutions for middle-income families. Its competitive advantage lies in its large, dedicated sales force, which allows for personalized financial advice and education. They focus on underserved markets often overlooked by larger financial institutions.

Total Addressable Market (TAM)

The TAM for financial products and services targeted at middle-income families is estimated to be in the trillions of dollars. Primerica is positioned to capture a significant portion of this TAM through its dedicated sales force and focus on underserved markets.

Upturn SWOT Analysis

Strengths

  • Large and dedicated sales force
  • Focus on underserved middle-income market
  • Strong brand recognition
  • Recurring revenue from policy renewals
  • Effective recruitment and training programs

Weaknesses

  • High reliance on sales force productivity
  • Vulnerability to regulatory changes
  • Reputational risks associated with multi-level marketing model
  • Potential for sales force attrition
  • Limited product diversification

Opportunities

  • Expanding product offerings
  • Increasing market penetration in underserved areas
  • Leveraging technology to enhance sales and service
  • Acquiring complementary businesses
  • Growing demand for financial planning services

Threats

  • Economic downturns
  • Increased competition from online financial platforms
  • Changes in consumer preferences
  • Adverse regulatory actions
  • Negative publicity or legal challenges

Competitors and Market Share

competitor logo Key Competitors

  • Prudential (PRU)
  • MetLife (MET)
  • Aflac (AFL)
  • Globe Life (GL)

Competitive Landscape

Primerica's competitive advantage lies in its direct sales model and focus on the middle-income market. It faces competition from larger, more established financial institutions, as well as from online financial platforms.

Growth Trajectory and Initiatives

Historical Growth: Primerica has experienced consistent growth in revenue and earnings over the past decade, driven by its strong sales force and increasing demand for its products and services.

Future Projections: Analysts project continued growth for Primerica, driven by its focus on the middle-income market, its expanding product offerings, and its increasing market penetration.

Recent Initiatives: Recent initiatives include expanding the sales force, enhancing technology platforms, and launching new products and services.

Summary

Primerica is a strong company focused on providing financial solutions to middle-income families through its large sales force. Its core strength is term life insurance sales, but faces vulnerabilities due to reliance on sales force productivity and potential reputational risks. The company should look to diversify its products and adapt to increasing competition from online platforms.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Primerica Inc. Investor Relations
  • SEC Filings
  • Analyst Reports

Disclaimers:

The data provided is for informational purposes only and should not be considered investment advice. Market share data is based on available information and may not be precise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 2289

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.