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Upturn AI SWOT - About
PRI 
Primerica Inc (PRI)
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Upturn Advisory Summary
09/17/2025: 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 $308.71
1 Year Target Price $308.71
| 2 | Strong Buy |
| 0 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 26% | Avg. Invested days 65 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.67B USD | Price to earnings Ratio 12.64 | 1Y Target Price 308.71 |
Price to earnings Ratio 12.64 | 1Y Target Price 308.71 | ||
Volume (30-day avg) 9 | Beta 1 | 52 Weeks Range 229.19 - 304.39 | Updated Date 09/17/2025 |
52 Weeks Range 229.19 - 304.39 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 1.49% | 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 12.64 | Forward PE 14.04 | Enterprise Value 10108772210 | Price to Sales(TTM) 2.69 |
Enterprise Value 10108772210 | Price to Sales(TTM) 2.69 | ||
Enterprise Value to Revenue 3.2 | Enterprise Value to EBITDA - | Shares Outstanding 32391300 | Shares Floating 32195365 |
Shares Outstanding 32391300 | Shares Floating 32195365 | ||
Percent Insiders 0.58 | Percent Institutions 94.93 |
Upturn AI SWOT
Primerica Inc
Company Overview
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.
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 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
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
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
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.
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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