NYSE: PRI
Primerica, Inc.
Financial Services · Insurance - Life
After hours: $313.69(0%) · as of 7:34 PM ET
Market Cap
$9.78B
52w High
$327.28
52w Low
$230.09
P/E
12.31
Volume
104.48K
Outstanding Shares
31.18M
Performance
Return analysis
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock rose 19.35% over the last year. Revenue grew 7.58% over the trailing twelve months. Operating margin moved from 29.39% to 30.19%. Free cash flow grew 6.25% over the trailing twelve months.
What the market seems to be pricing
The stock is trading toward the richer end of its historical P/FCF range (78th percentile) while business metrics are improving. More of the upside is already embedded in the multiple now.
What would invalidate this read
Operating margin is at 30.19% — continued expansion would be needed to justify the premium. Revenue growth of 7.58% is encouraging, but any deceleration puts the stretched multiple at risk. This read changes if revenue, margins, and cash flow continue to improve faster than expected — in that case the richer multiple could still prove conservative.
Company profile
Primerica Inc., operating with its various subsidiaries, delivers a comprehensive suite of financial services and products primarily aimed at middle-income households throughout the United States and Canada.
Valuation
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
7
Buy
10
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Nov 4, 2026
Q4 FY26 · EPS est $6.33 · Revenue est $892M
View
Dividends
$4.64/shareQuarterlyDividend Achiever · 15yrEx-div Aug 21, 2026 · in 7dSafePRI pays a dividend with a 1.48% declared yield, 15 consecutive years of growth, growing at 20.72% annually, covered 6.4× by free cash flow.
Declared Yield
1.48%
Annual Div / Share
$4.64
TTM $4.48
5yr CAGR
+20.72%
Doubles every ~3.7yr
Payout Ratio
17.92%
Safe
Dividend Growth Rate
3yr CAGR
+22.89%
5yr CAGR
+20.72%
10yr CAGR
+21.17%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$1/mo
In 5 yrs
$2/mo
In 10 yrs
$4/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$15/yr $1/mo | $26/yr+76% $2/mo | $46/yr+211% $4/mo |
Long-range projections use a capped 12% annual growth assumption.
Yield-on-cost grows from 1.48% → 4.59% over 10yr
Analysis
Dividend Strengths
Dividend Achiever
PRI has raised its dividend for 15 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 6.4× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 20.72% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.