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Primerica, Inc. (PRI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Primerica, Inc.

PRIMarket cap $8.41BPrice $273.4

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells term life insurance and financial products through a network of 140,000+ independent representatives, mostly to middle-income families that Wall Street usually ignores. It's turned everyday people selling to their neighbors into a multi-billion dollar distribution machine.

In Bastion Portfolios?

52W Return+5%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%6

Revenue Forecast

Rev CAGR (1y)+5%4

Rev CAGR (3y)+6%4

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1+85%10

EPS Growth Y+2+3%4

EPS Growth Y+3+5%5

Quality

Margins

EBIT Margin32%9

Net Income Margin23%8

Free Cash Flow Margin24%9

Debt

Net Debt/EBITDA1.16

Efficiency

ROE33%9

ROA5%6

Earnings Stability88

GEAR+VERY STRONG94

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)108

P/BV3.35

EV Multiples

EV/EBITDA Fwd48

EV/EBIT Fwd58

Yield

Free Cash Flow Yield0.0%9

Dividend Yield1.8%5

Momentum

Short term

1 month return-6%4

3 month return-8%4

YTD return+7%6

Mid term

Price vs 52wHigh84%6

1 year return+3%5

Long term

3 year return+47%5

5 year return+87%7

Risk Shield

Price Risk

Beta0.85

Volatility21%9

Free Cash Flow

Free Cash Flow Margin24%9

Free Cash Flow Yield0.0%9

Quality

ROCE8%6

Earnings Stability88

Net Debt/EBITDA1.16

02Growth

Is it actually growing, and how fast?

PRIPrimerica

Revenue FY25$3.1B

GROWTH RATING↗

AVERAGE41 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+5%4

Revenue, next 3Y, CAGR+6%4

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+85%10

EPS growth, FY27E+3%4

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 5%/yr vs revenue 6%/yr).

WATCH

A mid-pack grower, ahead of 41% of companies worldwide.

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 6%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A middle-of-the-pack grower. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE42 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-8%4

YTD return+7%6

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+3%5

3-year return+47%5

5-year return+87%7

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+47% over three years and +87% over five), roughly average for the market.

It's up 3% over the past year, but 16% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-6%), over three months (-8%) and so far this year (+7%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Primerica, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

PRIPrimerica

Revenue FY25$3.1B

GROWTH RATING↗

AVERAGE41 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+5%4

Revenue, next 3Y, CAGR+6%4

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+85%10

EPS growth, FY27E+3%4

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 5%/yr vs revenue 6%/yr).

WATCH

A mid-pack grower, ahead of 41% of companies worldwide.

Revenue is set to grow 6%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 6%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A middle-of-the-pack grower. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE42 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return-8%4

YTD return+7%6

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+3%5

3-year return+47%5

5-year return+87%7

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+47% over three years and +87% over five), roughly average for the market.

It's up 3% over the past year, but 16% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-6%), over three months (-8%) and so far this year (+7%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Primerica, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community