Stocktoria

Primerica, Inc. PRI

NYSE · stock · Life Insurance · website · IPO 2010-04-01 · LEI

Primerica, Inc. statistics & valuation

Market cap$8.9B
P / S2.7×
P / B3.6×
Dividend yield3.07%
Graham number -36.8%$196.42

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($196.42); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
18.00% 24.70% 22.20% 22.20% 21.00% 51.60% 23.20% 27.90% 20.80% 2016201720182019202020212022202320242025
Shares outstanding
47.5M 45.7M 44.0M 42.3M 40.2M 39.7M 38.1M 36.0M 34.2M 32.7M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.90% 2.80% 2.60% 2.70% 2.60% 2.90% 3.20% 3.80% 3.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$4.59 $7.61 $7.33 $8.62 $9.57 $11.99 $12.33 $15.94 $13.71 $22.91 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Primerica, Inc. trades at about 13.6× earnings — near its 10-year norm (10-year range 11.5×–21.2×, median 14.6×).

11.5× 21.2×

Shaded band = 10-year range (11.5×–21.2×); dot = today's 13.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin—15.2%21.0%17.8%17.6%17.4%17.9%17.1%20.7%14.4%
Return on assets—3.2%3.8%3.2%2.9%2.6%2.7%2.6%2.8%1.9%
Return on equity—20.8%27.9%23.2%51.6%21.0%22.2%22.2%24.7%18.0%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.