PRI Primerica Inc

Price (delayed)

$129.06

Market cap

$4.97B

P/E Ratio

14.32

Dividend/share

$2.04

EPS

$9.01

Enterprise value

$5.26B

Primerica is a leading provider of financial services to middle-income households in the United States and Canada. Licensed financial representatives educate Primerica clients about how to prepare for a more ...

Highlights
The gross profit is up by 22% year-on-year and by 2.5% since the previous quarter
The revenue has grown by 19% YoY
The equity has declined by 8% since the previous quarter but it has increased by 2.6% year-on-year
The P/E is 3.6% below the last 4 quarters average of 14.8 but 2.7% above the 5-year quarterly average of 13.9
The debt has soared by 53% YoY
The EPS has declined by 13% year-on-year and by 4.3% since the previous quarter

Key stats

What are the main financial stats of PRI
Market
Shares outstanding
38.48M
Market cap
$4.97B
Enterprise value
$5.26B
Valuations
Price to earnings (P/E)
14.32
Price to book (P/B)
2.63
Price to sales (P/S)
1.83
EV/EBIT
10.11
EV/EBITDA
9.5
EV/Sales
1.9
Earnings
Revenue
$2.76B
EBIT
$520.23M
EBITDA
$553.34M
Free cash flow
$729.62M
Per share
EPS
$9.01
Free cash flow per share
$18.6
Book value per share
$49.08
Revenue per share
$70.45
TBVPS
$396.78
Balance sheet
Total assets
$15.93B
Total liabilities
$14B
Debt
$650.38M
Equity
$1.93B
Working capital
N/A
Liquidity
Debt to equity
0.34
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.53
Margins
EBITDA margin
20%
Gross margin
73.7%
Net margin
12.9%
Operating margin
20.2%
Efficiency
Return on assets
2.3%
Return on equity
17.6%
Return on invested capital
3.3%
Return on capital employed
N/A
Return on sales
18.8%
Dividend
Dividend yield
1.58%
DPS
$2.04
Payout ratio
22.6%

PRI stock price

How has the Primerica stock price performed over time
Intraday
0.36%
1 week
0.46%
1 month
6.01%
1 year
-13.11%
YTD
-15.8%
QTD
7.83%

Financial performance

How have Primerica's revenue and profit performed over time
Revenue
$2.76B
Gross profit
$2.04B
Operating income
$558.63M
Net income
$356.91M
Gross margin
73.7%
Net margin
12.9%
The net margin has contracted by 27% YoY and by 7% from the previous quarter
The gross profit is up by 22% year-on-year and by 2.5% since the previous quarter
The operating margin has decreased by 22% YoY and by 6% from the previous quarter
The revenue has grown by 19% YoY

Growth

What is Primerica's growth rate over time

Valuation

What is Primerica stock price valuation
P/E
14.32
P/B
2.63
P/S
1.83
EV/EBIT
10.11
EV/EBITDA
9.5
EV/Sales
1.9
The EPS has declined by 13% year-on-year and by 4.3% since the previous quarter
The P/E is 3.6% below the last 4 quarters average of 14.8 but 2.7% above the 5-year quarterly average of 13.9
PRI's price to book (P/B) is 13% lower than its 5-year quarterly average of 3.0 and 10% lower than its last 4 quarters average of 2.9
The equity has declined by 8% since the previous quarter but it has increased by 2.6% year-on-year
The price to sales (P/S) is 24% less than the 5-year quarterly average of 2.4 and 17% less than the last 4 quarters average of 2.2
The revenue has grown by 19% YoY

Efficiency

How efficient is Primerica business performance
PRI's return on equity is down by 24% year-on-year and by 4.9% since the previous quarter
The return on sales has declined by 23% year-on-year and by 6% since the previous quarter
Primerica's return on assets has decreased by 18% YoY and by 4.2% QoQ
PRI's ROIC is down by 15% YoY and by 6% from the previous quarter

Dividends

What is PRI's dividend history
DPS
$2.04
Dividend yield
1.58%
Payout ratio
22.6%
Recent dividends

Financial health

How did Primerica financials performed over time
Primerica's total assets is 14% more than its total liabilities
The total liabilities has increased by 6% YoY
Primerica's total assets has increased by 5% YoY
The debt is 66% less than the equity
The debt has soared by 53% YoY
The company's debt to equity rose by 48% YoY and by 6% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.