PRI · Primerica, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · PRI

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$3.29B	$3.09B	$2.82B	$2.72B	$2.71B	$2.22B
Cost of Revenue	-	-	$55.23M	$68.43M	$52.79M	-
Gross Profit	-	-	$2.76B	$2.65B	$2.66B	-
R&D	-	-	-	-	-	-
SG&A	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-
D&A	$19.25M	$23.40M	$31.96M	$34.17M	$29.84M	$17.70M
Operating Income	$974.56M	$939.25M	$751.68M	$493.75M	$511.17M	$506.73M
Interest Expense	-	-	$26.59M	$27.24M	$30.62M	$28.84M
Income Tax	$223.33M	$219.12M	$175.08M	$125.78M	$139.19M	$120.57M
Net Income	$748.79M	$470.52M	$576.60M	$373.01M	$373.36M	$386.16M
EPS - Basic	$22.95	$13.73	$15.97	$9.77	$9.41	$9.60
EPS - Diluted	$22.91	$13.71	$15.94	$9.74	$9.38	$9.57

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$756.23M	$687.82M	$613.15M	$489.24M	$392.50M	$547.57M
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$15.01B	$14.58B	$15.03B	$15.35B	$16.12B	$14.91B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	-	-	-	-	-	-
Total Liabilities	$12.57B	$12.32B	$12.96B	$13.63B	$14.03B	$13.07B
Stockholders' Equity	$2.45B	$2.26B	$2.07B	$1.72B	$2.08B	$1.84B
Retained Earnings	$2.42B	$2.23B	$2.28B	$1.97B	$2.00B	$1.71B

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$901.18M	$862.09M	$692.52M	$757.66M	$656.96M	$643.42M
Investing Cash Flow	($235.57M)	($232.25M)	($90.05M)	($200.05M)	($923.38M)	($53.53M)
Financing Cash Flow	($599.64M)	($551.14M)	($479.62M)	($457.85M)	$107.97M	($301.79M)
CapEx	-	-	-	-	-	-
Free Cash Flow	-	-	-	-	-	-

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	98.0%	97.5%	98.1%	-
Operating margin	29.6%	30.4%	26.7%	18.2%	18.9%	22.9%
EBITDA margin	30.2%	31.2%	27.8%	19.4%	20.0%	23.6%
Net margin	22.7%	15.2%	20.5%	13.7%	13.8%	17.4%
Free cash flow margin	-	-	-	-	-	-
FCF / Net income	-	-	-	-	-	-
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	-	-	-	-	-	-
Effective tax rate	23.0%	31.8%	23.3%	25.2%	27.2%	23.8%
Return on assets	5.0%	3.2%	3.8%	2.4%	2.3%	2.6%
Return on equity	30.6%	20.8%	27.9%	21.7%	17.9%	21.0%
Return on invested capital	-	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	-	-	-	-	-	-
Debt / Assets	-	-	-	-	-	-
Debt / EBITDA	-	-	-	-	-	-
Interest coverage	-	-	28.3x	18.1x	16.7x	17.6x
Equity multiplier	6.14	6.45	7.27	8.92	7.74	8.12
Liabilities / Assets	0.84	0.85	0.86	0.89	0.87	0.88
Efficiency
Asset turnover	0.22	0.21	0.19	0.18	0.17	0.15
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	11.3x	19.8x	12.9x	14.6x	16.3x	14.0x
P / B	3.5x	4.1x	3.6x	3.1x	2.9x	2.9x
P / S	2.6x	3.0x	2.6x	2.0x	2.2x	2.4x
EV / EBITDA	7.7x	8.9x	8.7x	9.3x	10.5x	9.2x
Growth
Revenue growth (YoY)	6.6%	9.7%	3.5%	0.4%	22.2%	8.0%
Revenue CAGR (3y)	6.6%	4.5%	8.3%	9.8%	12.6%	9.5%
Revenue CAGR (5y)	8.2%	8.5%	8.2%	10.0%	12.3%	9.6%
Gross profit growth (YoY)	-	-	4.1%	-0.2%	-	-
Operating income growth (YoY)	3.8%	25.0%	52.2%	-3.4%	0.9%	6.2%
Net income growth (YoY)	59.1%	-18.4%	54.6%	-0.1%	-3.3%	5.4%
EPS growth (YoY)	67.1%	-14.0%	63.7%	3.8%	-2.0%	11.0%
EPS CAGR (3y)	33.0%	13.5%	18.5%	4.2%	8.6%	7.9%
EPS CAGR (5y)	19.1%	9.7%	16.8%	5.1%	15.4%	20.9%
FCF growth (YoY)	-	-	-	-	-	-
FCF CAGR (5y)	-	-	-	-	-	-
Book value growth (YoY)	8.3%	9.3%	20.0%	-17.3%	13.4%	11.1%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$3.29B total

Term Life Insurance Segment Revenues$1.82B · 55.3%

Investment And Savings Products Segment Revenues$1.25B · 37.9%

Corporate And Other$223.67M · 6.8%

Product / service

$1.18B total

Asset Based Revenues$607.62M · 51.4%

Sales Based Revenues$477.15M · 40.4%

Account Based Revenues$97.36M · 8.2%

Geographic

$3.29B total

US$2.85B · 86.6%

CA$440.76M · 13.4%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9

Neutral

✓Net income positive
✓Operating cash flow positive
✓ROA improved YoY
✓Cash flow > net income
-Long-term debt decreased
-Current ratio improved
✓No share dilution
-Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: Life Insurance

Company	Revenue (last FY)	Net margin	ROE
JXN	$6.68B	0.4%	0.3%
MET	$77.08B	4.4%	11.9%
PRU	$60.77B	5.9%	11.0%
LNC	$18.21B	6.5%	10.8%
VOYA	$8.19B	8.0%	13.2%

Comparing Primerica against the 5 most active filers in the same SIC group.

Dividends

$4.48/share trailing 12 months · +15.5% YoY

Ex-date	Per share
May 21, 2026	$1.2000
Feb 23, 2026	$1.2000
Nov 21, 2025	$1.0400
Aug 22, 2025	$1.0400
May 22, 2025	$1.0400
Feb 21, 2025	$1.0400
Nov 21, 2024	$0.9000
Aug 21, 2024	$0.9000
May 20, 2024	$0.7500
Feb 20, 2024	$0.7500
Nov 20, 2023	$0.6500
Aug 18, 2023	$0.6500
May 19, 2023	$0.6500
Feb 17, 2023	$0.6500
Nov 21, 2022	$0.5500
Aug 19, 2022	$0.5500
May 19, 2022	$0.5500
Feb 18, 2022	$0.5500
Nov 19, 2021	$0.4700
Aug 19, 2021	$0.4700
May 20, 2021	$0.4700
Feb 19, 2021	$0.4700
Nov 19, 2020	$0.4000
Aug 20, 2020	$0.4000