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PRI Primerica Inc

Price (delayed)

$271.5

Market cap

$9.06B

P/E Ratio

20.71

Dividend/share

$3.3

EPS

$13.11

Enterprise value

$9.16B

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 53% above the 5-year quarterly average of 13.5 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
Shares outstanding
33.37M
Market cap
$9.06B
Enterprise value
$9.16B
Valuations
Price to book (P/B)
4.72
Price to sales (P/S)
3.02
EV/EBIT
14.45
EV/EBITDA
13.88
EV/Sales
3.01
Earnings
Revenue
$3.05B
Gross profit
$2.42B
Net income
$455.38M
EBIT
$633.84M
EBITDA
$660.08M
Free cash flow
$785.59M
Per share
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
Balance sheet
Total assets
$14.82B
Total liabilities
$12.87B
Debt
$651.24M
Equity
$1.95B
Working capital
N/A
Liquidity
Debt to equity
0.33
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.15
Margins
EBITDA margin
21.7%
Gross margin
79.6%
Net margin
14.9%
Operating margin
22.9%
Efficiency
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
Dividend yield
1.22%
DPS
$3.3
Payout ratio
25.2%

PRI stock price

How has the Primerica stock price performed over time
Intraday
1.75%
1 week
-3.44%
1 month
-7.83%
1 year
34.74%
YTD
31.95%
QTD
2.39%

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
20.71
P/B
4.72
P/S
3.02
EV/EBIT
14.45
EV/EBITDA
13.88
EV/Sales
3.01
The P/E is 53% above the 5-year quarterly average of 13.5 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 52% higher than its 5-year quarterly average of 3.1 and 18% 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 31% more than the 5-year quarterly average of 2.3 and 4.1% 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
$3.3
Dividend yield
1.22%
Payout ratio
25.2%
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.