PRI Primerica margins

Relative Growth: Rel. Growth: 83

Relative Strength: Rel. Strength: 62

Relative Valuation: Rel. Valuation: 81

Relative Profitability: Rel. Profitability: 87

Gross margin

82.2%

Operating margin

30.7%

EBITDA margin

30.6%

Net margin

22.9%

Using the latest TTM figures, Primerica shows a gross margin of 82.2%, an operating margin of 30.7%, an EBITDA margin of 30.6%, and a net margin of 22.9%. Gross margin drove the available margin improvements with a 1.9 percentage-point increase, while operating margin declined by 0.1 percentage points.

PRI margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Primerica recorded average margins of 79.84% gross, 31.28% operating, 28.28% EBITDA, and 19.9% net. At Primerica, gross, EBITDA, and net margins are above their three-year averages, while operating margin is below its three-year average.

PRI margin expansion

Year-over-year margin changes in percentage points

Gross margin expanded by 1.9 percentage points and net margin by 0.5 percentage points, while operating margin contracted by 0.1 percentage points.

Gross margin expansion

1.9pp

Operating margin expansion

-0.1pp

EBITDA margin expansion

0pp

Net margin expansion

0.5pp

PRI Gross margin

Primerica recorded an average gross margin of 79.84% across the last 3 years. Primerica currently reports a gross margin of 82.2%, 2.4 percentage points above its three-year average. The gross margin for Primerica moved between 76.6% in Dec 2023 and 82.2% in Sep 2026.

PRI Operating margin

Across the last 3 years, Primerica's operating margin averaged 31.28%. The current operating margin stands at 30.7%, 0.6 percentage points below its three-year average. Operating margin was highest at 32.6% in Sep 2024 and lowest at 30.1% in Mar 2024.

PRI EBITDA margin

Looking back over the last 3 years, Primerica recorded an average EBITDA margin of 28.28%. Primerica's current EBITDA margin is 30.6% and is 2.3 percentage points above its three-year average. The highest EBITDA margin for Primerica was 31.1% in Jun 2026, while the lowest was 23.9% in Jun 2024.

PRI Net margin

The average net margin for Primerica was 19.9% over the last 3 years. Primerica currently reports a net margin of 22.9%, 3 percentage points above its three-year average. The net margin for Primerica moved between 15.1% in Jun 2024 and 23.2% in Jun 2026.

PRI margin group comparison

Margins compared with peer-group, industry and sector averages

Primerica's gross margin of 82.2% is higher than the industry and its peers average but lower than the Financial Services sector average. But in comparison with the Financial Services sector average of 83.5%, Primerica's gross margin is only 1.6% lower.

PRI margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Primerica's gross margin?

The current gross margin for PRI is 82.2% as of Sep 30, 2026.

What is Primerica's operating margin?

For the period ending Sep 30, 2026, PRI recorded an operating margin of 30.7%.

What is Primerica's EBITDA margin?

The current EBITDA margin for PRI is 30.6% as of Sep 30, 2026.

What is Primerica's net margin?

For the period ending Sep 30, 2026, PRI recorded a net margin of 22.9%.

What are the average margins of PRI?

Looking back over 3 years, PRI recorded average margins of 79.8% gross, 31.3% operating, 28.3% EBITDA, and 19.9% net.

What are the highest historical margins of PRI?

Across the 5-year period, PRI posted its highest margins at 82.2% gross in Sep 2026, 33.6% operating in Sep 2023, 31.1% EBITDA in Jun 2026, and 23.2% net in Jun 2026.

What are the lowest historical margins of PRI?

Over this 5-year history, Primerica's margins fell as low as 76.1% gross in Dec 2022, 25.3% operating in Sep 2022, 23.9% EBITDA in Jun 2024, and 15.1% net in Jun 2024.