Primerica, Inc. Logo

Primerica, Inc.

PRI

(2.5)
Stock Price

271,50 USD

3.79% ROA

21.89% ROE

20.93x PER

Market Cap.

9.123.953.300,00 USD

91.77% DER

1.13% Yield

14.79% NPM

Primerica, Inc. Stock Analysis

Primerica, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Primerica, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (25.58%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Dividend Growth

The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROA

The stock's ROA (3.22%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (1.503) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 PBV

The stock's high Price-to-Book Value (P/BV) ratio (3.77x) suggests it's overvalued, potentially making it an expensive investment.

8 DER

The stock is burdened with a heavy load of debt (104%), making it financially unstable and potentially risky for investors.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

Primerica, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Primerica, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Primerica, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Primerica, Inc. Revenue
Year Revenue Growth
2007 2.390.338.000
2008 2.196.944.000 -8.8%
2009 2.220.401.000 1.06%
2010 1.361.863.000 -63.04%
2011 1.103.093.000 -23.46%
2012 1.190.715.000 7.36%
2013 1.267.450.000 6.05%
2014 1.340.031.000 5.42%
2015 1.405.315.000 4.65%
2016 1.519.084.000 7.49%
2017 1.689.103.000 10.07%
2018 1.899.844.000 11.09%
2019 2.052.504.000 7.44%
2020 2.217.541.000 7.44%
2021 2.709.732.000 18.16%
2022 2.720.133.000 0.38%
2023 2.843.728.000 4.35%
2023 2.815.691.000 -1%
2024 3.276.136.000 14.05%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Primerica, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Primerica, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2007 694.948.000
2008 1.079.701.000 35.64%
2009 749.033.000 -44.15%
2010 0 0%
2011 0 0%
2012 90.894.000 100%
2013 103.885.000 12.51%
2014 113.871.000 8.77%
2015 123.030.000 7.44%
2016 132.348.000 7.04%
2017 147.280.000 10.14%
2018 168.156.000 12.41%
2019 178.817.000 5.96%
2020 188.117.000 4.94%
2021 202.605.000 7.15%
2022 235.405.000 13.93%
2023 0 0%
2023 235.460.000 100%
2024 250.740.000 6.09%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Primerica, Inc. EBITDA
Year EBITDA Growth
2007 925.587.000
2008 365.974.000 -152.91%
2009 770.297.000 52.49%
2010 430.078.000 -79.11%
2011 314.543.000 -36.73%
2012 310.084.000 -1.44%
2013 297.019.000 -4.4%
2014 324.136.000 8.37%
2015 335.486.000 3.38%
2016 380.881.000 11.92%
2017 421.559.000 9.65%
2018 457.310.000 7.82%
2019 439.886.000 -3.96%
2020 463.358.000 5.07%
2021 467.809.000 0.95%
2022 529.353.000 11.63%
2023 795.204.000 33.43%
2023 31.964.000 -2387.81%
2024 -1.101.848.000 102.9%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Primerica, Inc. Gross Profit
Year Gross Profit Growth
2007 2.390.338.000
2008 2.196.944.000 -8.8%
2009 2.220.401.000 1.06%
2010 1.181.084.000 -88%
2011 937.568.000 -25.97%
2012 1.025.999.000 8.62%
2013 1.080.242.000 5.02%
2014 1.165.668.000 7.33%
2015 1.230.952.000 5.3%
2016 1.337.469.000 7.96%
2017 1.499.803.000 10.82%
2018 1.670.237.000 10.2%
2019 1.815.360.000 7.99%
2020 1.972.346.000 7.96%
2021 2.412.881.000 18.26%
2022 2.399.739.000 -0.55%
2023 2.526.316.000 5.01%
2023 2.479.044.000 -1.91%
2024 2.921.872.000 15.16%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Primerica, Inc. Net Profit
Year Net Profit Growth
2007 593.634.000
2008 167.682.000 -254.02%
2009 494.589.000 66.1%
2010 257.778.000 -91.87%
2011 178.276.000 -44.59%
2012 173.806.000 -2.57%
2013 162.725.000 -6.81%
2014 181.412.000 10.3%
2015 189.872.000 4.46%
2016 219.414.000 13.46%
2017 350.255.000 37.36%
2018 324.093.000 -8.07%
2019 366.391.000 11.54%
2020 386.164.000 5.12%
2021 373.357.000 -3.43%
2022 373.012.000 -0.09%
2023 608.252.000 38.67%
2023 576.601.000 -5.49%
2024 4.684.000 -12210.01%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Primerica, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2007 8
2008 2 -250%
2009 7 66.67%
2010 3 -100%
2011 2 -50%
2012 3 0%
2013 3 0%
2014 3 33.33%
2015 4 0%
2016 5 25%
2017 8 42.86%
2018 7 0%
2019 9 12.5%
2020 10 11.11%
2021 9 0%
2022 10 0%
2023 17 43.75%
2023 16 -6.67%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Primerica, Inc. Free Cashflow
Year Free Cashflow Growth
2001 623.159.000
2007 600.482.000 -3.78%
2008 665.782.000 9.81%
2009 734.188.000 9.32%
2010 31.193.000 -2253.69%
2011 83.989.000 62.86%
2012 109.029.000 22.97%
2013 164.081.000 33.55%
2014 230.160.000 28.71%
2015 251.690.000 8.55%
2016 278.498.000 9.63%
2017 381.772.000 27.05%
2018 464.550.000 17.82%
2019 460.076.000 -0.97%
2020 615.795.000 25.29%
2021 632.268.000 2.61%
2022 731.860.000 13.61%
2023 658.620.000 -11.12%
2023 136.370.000 -382.97%
2024 168.990.000 19.3%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Primerica, Inc. Operating Cashflow
Year Operating Cashflow Growth
2001 623.159.000
2007 607.966.000 -2.5%
2008 670.083.000 9.27%
2009 739.082.000 9.34%
2010 41.057.000 -1700.14%
2011 87.902.000 53.29%
2012 119.978.000 26.73%
2013 187.899.000 36.15%
2014 237.644.000 20.93%
2015 259.089.000 8.28%
2016 292.167.000 11.32%
2017 388.524.000 24.8%
2018 478.067.000 18.73%
2019 485.513.000 1.53%
2020 643.417.000 24.54%
2021 656.956.000 2.06%
2022 757.665.000 13.29%
2023 692.517.000 -9.41%
2023 139.767.000 -395.48%
2024 173.208.000 19.31%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Primerica, Inc. Capital Expenditure
Year Capital Expenditure Growth
2001 0
2007 7.484.000 100%
2008 4.301.000 -74.01%
2009 4.894.000 12.12%
2010 9.864.000 50.39%
2011 3.913.000 -152.08%
2012 10.949.000 64.26%
2013 23.818.000 54.03%
2014 7.484.000 -218.25%
2015 7.399.000 -1.15%
2016 13.669.000 45.87%
2017 6.752.000 -102.44%
2018 13.517.000 50.05%
2019 25.437.000 46.86%
2020 27.622.000 7.91%
2021 24.688.000 -11.88%
2022 25.805.000 4.33%
2023 33.897.000 23.87%
2023 3.397.000 -897.85%
2024 4.218.000 19.46%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Primerica, Inc. Equity
Year Equity Growth
2007 4.779.965.000
2008 4.111.986.000 -16.24%
2009 4.943.773.000 16.82%
2010 1.431.492.000 -245.36%
2011 1.422.641.000 -0.62%
2012 1.275.416.000 -11.54%
2013 1.222.027.000 -4.37%
2014 1.245.126.000 1.86%
2015 1.145.772.000 -8.67%
2016 1.221.374.000 6.19%
2017 1.419.101.000 13.93%
2018 1.461.513.000 2.9%
2019 1.652.491.000 11.56%
2020 1.835.885.000 9.99%
2021 2.089.783.000 12.15%
2022 1.721.499.000 -21.39%
2023 2.065.967.000 16.67%
2023 2.312.495.000 10.66%
2024 2.121.760.000 -8.99%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Primerica, Inc. Assets
Year Assets Growth
2007 12.176.049.000
2008 11.161.133.000 -9.09%
2009 13.227.781.000 15.62%
2010 9.884.306.000 -33.83%
2011 9.998.544.000 1.14%
2012 10.315.153.000 3.07%
2013 10.329.950.000 0.14%
2014 10.738.114.000 3.8%
2015 10.612.119.000 -1.19%
2016 11.438.943.000 7.23%
2017 12.460.704.000 8.2%
2018 12.595.047.000 1.07%
2019 13.688.531.000 7.99%
2020 14.905.285.000 8.16%
2021 16.123.223.000 7.55%
2022 15.348.877.000 -5.04%
2023 12.011.955.000 -27.78%
2023 14.433.059.000 16.77%
2024 11.732.649.000 -23.02%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Primerica, Inc. Liabilities
Year Liabilities Growth
2007 7.396.084.000
2008 7.049.147.000 -4.92%
2009 8.284.008.000 14.91%
2010 8.452.814.000 2%
2011 8.575.903.000 1.44%
2012 9.039.737.000 5.13%
2013 9.107.923.000 0.75%
2014 9.492.988.000 4.06%
2015 9.466.347.000 -0.28%
2016 10.217.569.000 7.35%
2017 11.041.603.000 7.46%
2018 11.133.534.000 0.83%
2019 12.036.040.000 7.5%
2020 13.069.400.000 7.91%
2021 14.033.440.000 6.87%
2022 13.627.378.000 -2.98%
2023 9.945.988.000 -37.01%
2023 12.120.564.000 17.94%
2024 9.610.889.000 -26.11%

Primerica, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
87.69
Net Income per Share
12.89
Price to Earning Ratio
20.93x
Price To Sales Ratio
3.03x
POCF Ratio
12.37
PFCF Ratio
12.79
Price to Book Ratio
4.37
EV to Sales
3.48
EV Over EBITDA
-113.39
EV to Operating CashFlow
14.01
EV to FreeCashFlow
14.72
Earnings Yield
0.05
FreeCashFlow Yield
0.08
Market Cap
9,12 Bil.
Enterprise Value
10,50 Bil.
Graham Number
133.76
Graham NetNet
-254.33

Income Statement Metrics

Net Income per Share
12.89
Income Quality
1.69
ROE
0.2
Return On Assets
0.03
Return On Capital Employed
0.08
Net Income per EBT
0.71
EBT Per Ebit
0.58
Ebit per Revenue
0.36
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.88
Operating Profit Margin
0.36
Pretax Profit Margin
0.21
Net Profit Margin
0.15

Dividends

Dividend Yield
0.01
Dividend Yield %
1.13
Payout Ratio
0.22
Dividend Per Share
3.05

Operating Metrics

Operating Cashflow per Share
21.81
Free CashFlow per Share
20.75
Capex to Operating CashFlow
0.05
Capex to Revenue
0.01
Capex to Depreciation
1.25
Return on Invested Capital
0.21
Return on Tangible Assets
0.04
Days Sales Outstanding
412.98
Days Payables Outstanding
494.44
Days of Inventory on Hand
-5166.76
Receivables Turnover
0.88
Payables Turnover
0.74
Inventory Turnover
-0.07
Capex per Share
1.05

Balance Sheet

Cash per Share
23,54
Book Value per Share
61,71
Tangible Book Value per Share
60.39
Shareholders Equity per Share
61.71
Interest Debt per Share
57.39
Debt to Equity
0.92
Debt to Assets
0.17
Net Debt to EBITDA
-14.88
Current Ratio
2.01
Tangible Asset Value
2,08 Bil.
Net Current Asset Value
-8,20 Bil.
Invested Capital
844729000
Working Capital
0,71 Bil.
Intangibles to Total Assets
0
Average Receivables
3,46 Bil.
Average Payables
0,50 Bil.
Average Inventory
-5070513000
Debt to Market Cap
0.21

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Primerica, Inc. Dividends
Year Dividends Growth
2010 0
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 2 0%
2021 2 0%
2022 2 50%
2023 3 0%
2024 2 0%

Primerica, Inc. Profile

About Primerica, Inc.

Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings Products; Senior Health; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities. The Senior Health segment offers segregated funds; and medicare advantage and supplement products. The Corporate and Other Distributed Products segment provides mortgage loans; prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters; ID theft defense services; auto and homeowners' insurance; home automation solutions; and insurance products, including supplemental health, accidental death, and disability for small businesses. It distributes and sells its products through a network of 129,515 licensed sales representatives. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.

CEO
Mr. Glenn Jackson Williams
Employee
2.849
Address
1 Primerica Parkway
Duluth, 30099

Primerica, Inc. Executives & BODs

Primerica, Inc. Executives & BODs
# Name Age
1 Ms. Julie Anne Seman
Executive Vice President and Chief Marketing & Innovation Officer
70
2 Ms. Lisa Abraham Brown
Executive Vice President & Chief People Officer
70
3 Mr. Brett Allan Rogers J.D.
Executive Vice President & General Counsel
70
4 Ms. Tracy Xiangyan Tan
Executive Vice President & Chief Financial Officer
70
5 Mr. Robert Hudson Peterman Jr.
Executive Vice President & Chief Operating Officer
70
6 Mr. Nicholas Adam Jendusa
Principal Accounting Officer, Executive Vice President & Controller
70
7 Mr. Gregory Carl Pitts
Executive Vice President
70
8 Mr. Peter Wayne Schneider
President
70
9 Mr. Glenn Jackson Williams
Chief Executive Officer & Director
70
10 Ms. Nicole Russell
Senior Vice President of Investor Relations
70

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