Primerica, Inc. PRI

Latest FY: 2025 Financial Services Insurance - Life
Market Price $292.32
Market Cap $9.12B
P/E Ratio 12.76
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑6.6% YoY
$3.29B
3-Yr CAGR: 6.6%
Net Income ↑59.7% YoY
$751.23M
Net Margin: 22.8%
Free Cash Flow ↑5.1% YoY
$875.13M
FCF Yield: 9.60%
EPS (Diluted) ↑67.1% YoY
$22.91
Basic: $22.95
Return on Equity Efficiency
30.7%
ROA: 5.0%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (PRI)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,519.1M $1,347.4M $219.4M $4.59 $0.70 1.01% $292.2M $292.2M
FY 2017 $1,689.1M +11.2% $1,496.1M $350.3M +59.6% $7.61 +65.8% $0.78 0.77% $388.5M $388.5M +33.0%
FY 2018 $1,899.8M +12.5% $1,695.5M $324.1M -7.5% $7.33 -3.7% $1.00 1.02% $478.1M $478.1M +23.0%
FY 2019 $2,052.5M +8.0% $1,837.7M $366.4M +13.1% $8.62 +17.6% $1.36 1.04% $485.5M $485.5M +1.6%
FY 2020 $2,217.5M +8.0% $1,956.6M $386.2M +5.4% $9.57 +11.0% $1.60 1.19% $643.4M $643.4M +32.5%
FY 2021 $2,709.7M +22.2% $2,372.4M $373.4M -3.3% $9.38 -2.0% $1.88 1.23% $657.0M $657.0M +2.1%
FY 2022 $2,720.1M +0.4% $2,407.9M $373.0M -0.1% $9.74 +3.8% $2.20 1.55% $757.7M $731.9M +11.4%
FY 2023 $2,815.7M +3.5% $2,510.7M $576.6M +54.6% $15.94 +63.7% $2.60 1.26% $692.5M $658.6M -10.0%
FY 2024 $3,089.1M +9.7% $2,816.9M $470.5M -18.4% $13.71 -14.0% $3.30 1.22% $862.1M $832.9M +26.5%
FY 2025 $3,291.7M +6.6% $3,010.7M $751.2M +59.7% $22.91 +67.1% $4.16 1.61% $901.2M $875.1M +5.1%
$

Valuation

Market Price $292.32
Market Cap $9.12B
Enterprise Value $8.36B
P/E Ratio 12.76
P/B Ratio 3.73
FCF Yield 9.60%
Dividend Yield 1.42%
Shares Outstanding 31,184,000
%

Profitability & Margins

Gross Margin 91.46%
Operating Margin 29.61%
Net Margin 22.82%
Return on Equity (ROE) 30.71%
Return on Assets (ROA) 5.00%
Asset Turnover 0.22x
Revenue 3-Yr CAGR 6.56%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $756.23M
Total Debt N/A
Book Value / Share $78.43
💧

Cash Flow Efficiency

Operating Cash Flow $901.18M
Capital Expenditures (CapEx) $26.05M
Free Cash Flow $875.13M
OCF / Revenue 27.38%
FCF / Revenue 26.59%
FCF 3-Yr CAGR 6.14%
🏷️

Per Share Metrics

EPS (Diluted) $22.91
EPS (Basic) $22.95
Dividends / Share $4.16
Book Value / Share $78.43
EPS YoY Growth 67.10%
🏛️

Balance Sheet (FY 2025)

Total Assets $15.01B
Total Liabilities $12.57B
Stockholders' Equity $2.45B
Current Assets N/A
Current Liabilities N/A