PRI Primerica Inc
Price (delayed)
$273.4
Market cap
$9.12B
P/E Ratio
20.85
Dividend/share
$3.59
EPS
$13.11
Enterprise value
$9.22B
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 14% year-on-year and by 4.2% since the previous quarter
The revenue has grown by 10% YoY and by 2.6% from the previous quarter
The net income has declined by 20% year-on-year but it is up by 2.8% since the previous quarter
The EPS has declined by 16% year-on-year but it is up by 4.9% since the previous quarter
The P/E is 56% above the 5-year quarterly average of 13.4 and 23% above the last 4 quarters average of 16.9
The equity has declined by 16% year-on-year and by 8% since the previous quarter
Key stats
What are the main financial stats of PRI
Market
Valuations
Earnings
Shares outstanding
33.37M
Market cap
$9.12B
Enterprise value
$9.22B
Price to earnings (P/E)
20.85
Price to book (P/B)
4.75
Price to sales (P/S)
3.04
EV/EBIT
14.55
EV/EBITDA
13.98
EV/Sales
3.03
Revenue
$3.05B
Gross profit
$2.42B
Operating income
$697.44M
Net income
$455.38M
EBIT
$633.84M
EBITDA
$660.08M
Free cash flow
$785.59M
Per share
Balance sheet
Liquidity
EPS
$13.11
EPS diluted
$13.08
Free cash flow per share
$23.22
Book value per share
$57.55
Revenue per share
$90.05
TBVPS
$436.54
Total assets
$14.82B
Total liabilities
$12.87B
Debt
$651.24M
Equity
$1.95B
Working capital
N/A
Debt to equity
0.33
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.15
Margins
Efficiency
Dividend
EBITDA margin
21.7%
Gross margin
79.6%
Net margin
14.9%
Operating margin
22.9%
Return on assets
3.1%
Return on equity
21.9%
Return on invested capital
4.3%
Return on capital employed
N/A
Return on sales
20.8%
Dividend yield
1.31%
DPS
$3.59
Payout ratio
27.4%
PRI stock price
How has the Primerica stock price performed over time
Intraday
-2.33%
1 week
-2.77%
1 month
-6.86%
1 year
10.73%
YTD
0.73%
QTD
0.73%
Financial performance
How have Primerica's revenue and profit performed over time
Revenue
$3.05B
Gross profit
$2.42B
Operating income
$697.44M
Net income
$455.38M
Gross margin
79.6%
Net margin
14.9%
The net margin has contracted by 28% YoY
The operating margin has decreased by 22% YoY but it has increased by 4.6% from the previous quarter
The net income has declined by 20% year-on-year but it is up by 2.8% since the previous quarter
The operating income has declined by 14% year-on-year but it rose by 7% since the previous quarter
Growth
What is Primerica's growth rate over time
Valuation
What is Primerica stock price valuation
P/E
20.85
P/B
4.75
P/S
3.04
EV/EBIT
14.55
EV/EBITDA
13.98
EV/Sales
3.03
The P/E is 56% above the 5-year quarterly average of 13.4 and 23% above the last 4 quarters average of 16.9
The EPS has declined by 16% year-on-year but it is up by 4.9% since the previous quarter
PRI's price to book (P/B) is 53% higher than its 5-year quarterly average of 3.1 and 19% higher than its last 4 quarters average of 4.0
The equity has declined by 16% year-on-year and by 8% since the previous quarter
The price to sales (P/S) is 32% more than the 5-year quarterly average of 2.3 and 4.8% more than the last 4 quarters average of 2.9
The revenue has grown by 10% YoY and by 2.6% from the previous quarter
Efficiency
How efficient is Primerica business performance
The return on sales has declined by 25% year-on-year
PRI's return on equity is down by 21% year-on-year but it is up by 7% since the previous quarter
Primerica's return on assets has decreased by 21% YoY but it has increased by 3.3% QoQ
PRI's ROIC is down by 19% YoY but it is up by 2.4% from the previous quarter
Dividends
What is PRI's dividend history
DPS
$3.59
Dividend yield
1.31%
Payout ratio
27.4%
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 15% more than its total liabilities
The total liabilities has increased by 6% YoY and by 3.4% from the previous quarter
Primerica's total assets has increased by 2.6% YoY
The debt is 67% less than the equity
The company's debt to equity rose by 18% YoY and by 6% QoQ
The equity has declined by 16% year-on-year and by 8% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.