Primerica (NYSE:PRI) Stock Price & Quote Analysis

PRI fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	2/6
Financial Health	3/6
Dividends	5/6

PRI Stock Overview

Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada.

Rewards

Trading at 58.9% below our estimate of its fair value

Earnings are forecast to grow 10.27% per year

Pays a reliable dividend of 1.61%

Risk Analysis

Has a high level of debt

Profit margins (11.8%) are lower than last year (17.3%)

Significant insider selling over the past 3 months

Primerica, Inc. Competitors

American Equity Investment Life Holding

NYSE:AEL

US$3.5b

Unum Group

NYSE:UNM

US$8.0b

Lincoln National

NYSE:LNC

US$8.7b

Globe Life

NYSE:GL

US$10.2b

Price History & Performance

Summary of all time highs, changes and price drops for Primerica
Historical stock prices
Current Share Price	US$136.77
52 Week High	US$179.51
52 Week Low	US$110.22
Beta	1.29
1 Month Change	12.70%
3 Month Change	13.86%
1 Year Change	-6.92%
3 Year Change	15.54%
5 Year Change	79.02%
Change since IPO	596.03%

Recent News & Updates

Aug 07

Primerica Q2 2022 Earnings Preview

Primerica (NYSE:PRI) is scheduled to announce Q2 earnings results on Monday, August 8th, after market close. The consensus EPS Estimate is $3.07 (-5.5% Y/Y) and the consensus Revenue Estimate is $707.24M (+8.0% Y/Y). Over the last 2 years, PRI has beaten EPS estimates 63% of the time and has beaten revenue estimates 88% of the time. Over the last 3 months, EPS estimates have seen 1 upward revision and 4 downward. Revenue estimates have seen 1 upward revision and 2 downward.

Shareholder Returns

	PRI	US Insurance	US Market
7D	2.2%	3.6%	1.1%
1Y	-6.9%	6.3%	-9.0%

Return vs Industry: PRI underperformed the US Insurance industry which returned 6.3% over the past year.

Return vs Market: PRI exceeded the US Market which returned -9% over the past year.

Price Volatility

Is PRI's price volatile compared to industry and market?
PRI volatility
PRI Average Weekly Movement	4.0%
Insurance Industry Average Movement	4.8%
Market Average Movement	7.6%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: PRI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: PRI's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1927	2,894	Glenn Williams	https://www.primerica.com

Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four 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.

Primerica, Inc. Fundamentals Summary

How do Primerica's earnings and revenue compare to its market cap?
PRI fundamental statistics
Market Cap	US$5.12b
Earnings (TTM)	US$335.29m
Revenue (TTM)	US$2.84b

15.3x

P/E Ratio

1.8x

P/S Ratio

Is PRI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
PRI income statement (TTM)
Revenue	US$2.84b
Cost of Revenue	US$1.14b
Gross Profit	US$1.70b
Other Expenses	US$1.37b
Earnings	US$335.29m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	8.95
Gross Margin	59.92%
Net Profit Margin	11.81%
Debt/Equity Ratio	118.4%

How did PRI perform over the long term?

See historical performance and comparison

Dividends

1.6%

Current Dividend Yield

25%

Payout Ratio

Does PRI pay a reliable dividends?

See PRI dividend history and benchmarks

When do you need to buy PRI by to receive an upcoming dividend?
Primerica dividend dates
Ex Dividend Date	Aug 19 2022
Dividend Pay Date	Sep 14 2022
Days until Ex dividend	0 days
Days until Dividend pay date	26 days