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Price (delayed)
$278.81
Market cap
$9.43B
P/E Ratio
22.3
Dividend/share
$3.05
EPS
$12.5
Enterprise value
$9.46B
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 11% year-on-year and by 5% since the previous quarter
The revenue has grown by 9% YoY and by 4% from the previous quarter
The equity has increased by 5% year-on-year but it has declined by 2.9% since the previous quarter
The P/E is 69% above the 5-year quarterly average of 13.1 and 49% above the last 4 quarters average of 14.9
The EPS has declined by 24% since the previous quarter and by 7% year-on-year
Key stats
What are the main financial stats of PRI
Market
Valuations
Earnings
Shares outstanding
33.83M
Market cap
$9.43B
Enterprise value
$9.46B
Price to book (P/B)
4.52
Price to sales (P/S)
3.21
EV/EBIT
15.53
EV/EBITDA
14.82
EV/Sales
3.17
Revenue
$2.98B
EBIT
$608.96M
EBITDA
$637.97M
Free cash flow
$728.74M
Per share
Balance sheet
Liquidity
EPS
$12.5
Free cash flow per share
$21.19
Book value per share
$61.66
Revenue per share
$86.77
TBVPS
$422.31
Total assets
$14.57B
Total liabilities
$12.44B
Debt
$652.87M
Equity
$2.12B
Working capital
N/A
Debt to equity
0.31
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.04
Margins
Efficiency
Dividend
EBITDA margin
21.4%
Gross margin
78.4%
Net margin
14.9%
Operating margin
21.5%
Return on assets
3%
Return on equity
20.4%
Return on invested capital
4.2%
Return on capital employed
N/A
Return on sales
20.4%
Dividend yield
1.09%
DPS
$3.05
Payout ratio
24.4%
PRI stock price
How has the Primerica stock price performed over time
Intraday
0.54%
1 week
0.61%
1 month
5.15%
1 year
42.38%
YTD
35.5%
QTD
5.15%
Financial performance
How have Primerica's revenue and profit performed over time
Revenue
$2.98B
Gross profit
$2.34B
Operating income
$642.94M
Net income
$443.07M
Gross margin
78.4%
Net margin
14.9%
The net margin has contracted by 27% from the previous quarter and by 18% YoY
The operating margin has decreased by 25% from the previous quarter and by 19% YoY
The net income has declined by 24% since the previous quarter and by 11% year-on-year
The operating income has declined by 22% since the previous quarter and by 11% year-on-year
Growth
What is Primerica's growth rate over time
Valuation
What is Primerica stock price valuation
P/E
22.3
P/B
4.52
P/S
3.21
EV/EBIT
15.53
EV/EBITDA
14.82
EV/Sales
3.17
The P/E is 69% above the 5-year quarterly average of 13.1 and 49% above the last 4 quarters average of 14.9
The EPS has declined by 24% since the previous quarter and by 7% year-on-year
PRI's price to book (P/B) is 50% higher than its 5-year quarterly average of 3.0 and 25% higher than its last 4 quarters average of 3.6
The equity has increased by 5% year-on-year but it has declined by 2.9% since the previous quarter
The price to sales (P/S) is 39% more than the 5-year quarterly average of 2.3 and 19% more than the last 4 quarters average of 2.7
The revenue has grown by 9% YoY and by 4% from the previous quarter
Efficiency
How efficient is Primerica business performance
The return on sales has declined by 26% since the previous quarter and by 19% year-on-year
PRI's return on equity is down by 25% since the previous quarter and by 22% year-on-year
Primerica's return on assets has decreased by 25% QoQ and by 12% YoY
PRI's ROIC is down by 22% from the previous quarter and by 11% YoY
Dividends
What is PRI's dividend history
DPS
$3.05
Dividend yield
1.09%
Payout ratio
24.4%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Primerica financials performed over time
Primerica's total assets is 17% more than its total liabilities
The total liabilities has decreased by 2.3% YoY and by 2.2% from the previous quarter
Primerica's total assets has decreased by 2.3% from the previous quarter
The debt is 69% less than the equity
The company's debt to equity fell by 6% YoY but it rose by 3.3% QoQ
The equity has increased by 5% year-on-year but it has declined by 2.9% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.