PRI Primerica Inc
Price (delayed)
$261.57
Market cap
$8.7B
P/E Ratio
19.05
Dividend/share
$3.59
EPS
$13.73
Enterprise value
$8.66B
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 17% year-on-year and by 2.6% since the previous quarter
The equity has increased by 16% since the previous quarter and by 9% year-on-year
The net income has declined by 18% year-on-year but it is up by 3.3% since the previous quarter
The EPS has declined by 14% year-on-year but it is up by 4.7% since the previous quarter
The P/E is 37% above the 5-year quarterly average of 13.9 and 2.4% above the last 4 quarters average of 18.6
Key stats
What are the main financial stats of PRI
Market
Valuations
Earnings
Shares outstanding
33.25M
Market cap
$8.7B
Enterprise value
$8.66B
Price to earnings (P/E)
19.05
Price to book (P/B)
3.86
Price to sales (P/S)
2.89
EV/EBIT
12.12
EV/EBITDA
11.73
EV/Sales
2.8
Revenue
$3.09B
Gross profit
$2.47B
Operating income
$996.29M
Net income
$470.52M
EBIT
$714.67M
EBITDA
$738.07M
Free cash flow
$832.86M
Per share
Balance sheet
Liquidity
EPS
$13.73
EPS diluted
$13.71
Free cash flow per share
$24.39
Book value per share
$67.69
Revenue per share
$90.48
TBVPS
$425.77
Total assets
$14.58B
Total liabilities
$12.32B
Debt
$649.99M
Equity
$2.26B
Working capital
N/A
Debt to equity
0.29
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.05
Margins
Efficiency
Dividend
EBITDA margin
23.9%
Gross margin
79.9%
Net margin
15.2%
Operating margin
32.3%
Return on assets
3.2%
Return on equity
22.1%
Return on invested capital
4.9%
Return on capital employed
N/A
Return on sales
23.1%
Dividend yield
1.37%
DPS
$3.59
Payout ratio
26.1%
PRI stock price
How has the Primerica stock price performed over time
Intraday
-0.74%
1 week
2.76%
1 month
-9.96%
1 year
19.66%
YTD
-3.63%
QTD
-8.07%
Financial performance
How have Primerica's revenue and profit performed over time
Revenue
$3.09B
Gross profit
$2.47B
Operating income
$996.29M
Net income
$470.52M
Gross margin
79.9%
Net margin
15.2%
The operating income rose by 42% since the previous quarter and by 20% year-on-year
The operating margin has increased by 40% from the previous quarter and by 7% YoY
The net margin has contracted by 28% YoY
The net income has declined by 18% year-on-year but it is up by 3.3% since the previous quarter
Growth
What is Primerica's growth rate over time
Valuation
What is Primerica stock price valuation
P/E
19.05
P/B
3.86
P/S
2.89
EV/EBIT
12.12
EV/EBITDA
11.73
EV/Sales
2.8
The P/E is 37% above the 5-year quarterly average of 13.9 and 2.4% above the last 4 quarters average of 18.6
The EPS has declined by 14% year-on-year but it is up by 4.7% since the previous quarter
PRI's price to book (P/B) is 21% higher than its 5-year quarterly average of 3.2 but 6% lower than its last 4 quarters average of 4.1
The equity has increased by 16% since the previous quarter and by 9% year-on-year
The price to sales (P/S) is 20% more than the 5-year quarterly average of 2.4 but 3.7% less than the last 4 quarters average of 3.0
The revenue has grown by 12% YoY and by 2.1% from the previous quarter
Efficiency
How efficient is Primerica business performance
PRI's return on equity is down by 20% year-on-year
The return on sales has declined by 19% year-on-year but it is up by 10% since the previous quarter
Primerica's return on assets has decreased by 18% YoY but it has increased by 3.2% QoQ
PRI's ROIC is up by 14% from the previous quarter but it is down by 9% YoY
Dividends
What is PRI's dividend history
DPS
$3.59
Dividend yield
1.37%
Payout ratio
26.1%
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 18% more than its total liabilities
The total liabilities has decreased by 4.9% YoY and by 4.2% from the previous quarter
Primerica's total assets has decreased by 3% YoY
The debt is 71% less than the equity
The equity has increased by 16% since the previous quarter and by 9% year-on-year
The company's debt to equity fell by 12% QoQ and by 9% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.