Primerica, Inc. PRI
Composite 66/100; the shares have moved about 22% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Its least supportive area is Income at 53 — still above average.
Valuation ranks 73/100 — a moderate point in its favour. Quality ranks 72/100 — a moderate point in its favour. Balance-sheet strength ranks 63/100 — a moderate point in its favour.
Its least supportive area is Income at 53 — still above average.
What the company does Primerica provides term life insurance, investment and savings products, and distributed insurance and financial services to middle-income households in the US and Canada through licensed sales representatives.
Key financials Primerica reports strong profitability with ROE 32.3%, ROA 4.6%, and net margins 22.6%. Revenue grew 8.1% and EPS 18.2%, supported by gross margins 71.5% and operating margins 30.3%. The balance sheet is solid with debt/equity 0.74 and current ratio 3.60.
Stock health Momentum is positive with 12-month returns 25.15% and RSI 70.80, indicating overbought conditions. Sideravia scores highlight strong quality (74.4) and valuation (78.0), with growth (46.4) lagging peers.
Price vs fair value The stock trades at a PREMIUM of 2.40% to our fair-value estimate of 314.68 and a PREMIUM of 1.38% to the 12-month target of 317.83. - Zacks highlights Primerica’s earnings growth expectations (2026-07-29). - Primerica’s premium valuation reflects strong profitability metrics and Sideravia’s quality score (74.4). - High RSI (70.80) suggests near-term upside may be limited.
Looking forward Forward P/E of 14.04 and FCF yield 10.7% indicate reasonable valuation despite the premium, supported by strong ROE and margins. Growth remains a relative weak spot (46.4) compared to peers.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-03, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.