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.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $872.69M | - | $839.85M | $793.33M | $804.84M | - | $774.13M | $803.38M | $742.83M | - |
| Cost of Revenue | - | - | - | - | - | - | - | $15.72M | $13.53M | - |
| Gross Profit | - | - | - | - | - | - | - | $787.65M | $729.30M | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $3.87M | - | - | - | $4.77M | - | - | - | $7.17M | - |
| Operating Income | $249.42M | - | $271.68M | $234.50M | $221.31M | - | $254.58M | $7.80M | $179.24M | - |
| Interest Expense | - | - | $5.99M | $6.00M | $6.00M | - | $6.09M | $6.10M | $6.77M | - |
| Income Tax | $59.32M | - | $64.89M | $56.15M | $52.26M | - | $59.84M | $6.63M | $41.33M | - |
| Net Income | $169.05M | - | $206.12M | $177.77M | $168.47M | - | $194.03M | $1.17M | $137.90M | - |
| EPS - Basic | $5.98 | - | $6.36 | $5.41 | $5.06 | - | $4.84 | $0.03 | $3.94 | - |
| EPS - Diluted | $5.97 | - | $6.35 | $5.40 | $5.05 | - | $4.83 | $0.03 | $3.93 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $645.81M | $756.23M | $644.86M | $621.20M | $625.07M | $687.82M | $550.14M | $627.29M | $593.40M | $613.15M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $14.68B | $15.01B | $14.85B | $14.83B | $14.59B | $14.58B | $14.82B | $14.57B | $14.91B | $15.03B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $12.16B | $12.57B | $12.55B | $12.52B | $12.33B | $12.32B | $12.87B | $12.44B | $12.72B | $12.96B |
| Stockholders' Equity | $2.52B | $2.45B | $2.30B | $2.31B | $2.26B | $2.26B | $1.95B | $2.12B | $2.19B | $2.07B |
| Retained Earnings | $2.44B | $2.42B | $2.32B | $2.27B | $2.25B | $2.23B | $2.13B | $2.12B | $2.29B | $2.28B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $156.79M | - | - | - | $197.47M | - | - | - | $210.90M | - |
| Investing Cash Flow | ($87.44M) | - | - | - | ($98.75M) | - | - | - | ($86.29M) | - |
| Financing Cash Flow | ($179.16M) | - | - | - | ($161.44M) | - | - | - | ($142.89M) | - |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | 98.0% | 98.2% | - |
| Operating margin | 28.6% | - | 32.3% | 29.6% | 27.5% | - | 32.9% | 1.0% | 24.1% | - |
| EBITDA margin | 29.0% | - | - | - | 28.1% | - | - | - | 25.1% | - |
| Net margin | 19.4% | - | 24.5% | 22.4% | 20.9% | - | 25.1% | 0.1% | 18.6% | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 26.0% | - | 23.9% | 24.0% | 23.7% | - | 23.6% | 85.0% | 23.1% | - |
| Return on assets | 1.2% | - | 1.4% | 1.2% | 1.2% | - | 1.3% | 0.0% | 0.9% | - |
| Return on equity | 6.7% | - | 9.0% | 7.7% | 7.5% | - | 10.0% | 0.1% | 6.3% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | 45.4x | 39.1x | 36.9x | - | 41.8x | 1.3x | 26.5x | - |
| Equity multiplier | 5.82 | 6.14 | 6.47 | 6.43 | 6.47 | 6.45 | 7.61 | 6.86 | 6.82 | 7.27 |
| Liabilities / Assets | 0.83 | 0.84 | 0.85 | 0.84 | 0.85 | 0.85 | 0.87 | 0.85 | 0.85 | 0.86 |
| Efficiency | ||||||||||
| Asset turnover | 0.06 | - | 0.06 | 0.05 | 0.06 | - | 0.05 | 0.06 | 0.05 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 42.0x | - | 43.7x | 50.7x | 56.3x | - | 54.9x | 7886.0x | 64.4x | - |
| P / B | 3.2x | - | 3.9x | 3.9x | 4.2x | - | 4.6x | 3.8x | 4.0x | - |
| P / S | 9.1x | - | 10.7x | 11.4x | 11.8x | - | 11.6x | 10.1x | 11.9x | - |
| EV / EBITDA | 28.8x | - | - | - | 39.2x | - | - | - | 44.2x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 8.4% | - | 8.5% | -1.2% | 8.3% | - | 8.9% | 16.7% | 7.7% | - |
| Revenue CAGR (3y) | 8.1% | - | 7.6% | 5.9% | 5.2% | - | 3.7% | 7.1% | 5.2% | - |
| Revenue CAGR (5y) | 6.5% | - | 8.1% | 8.6% | 8.9% | - | 8.3% | 9.7% | 8.5% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | 16.6% | 8.0% | - |
| Operating income growth (YoY) | 12.7% | - | 6.7% | 2907.5% | 23.5% | - | 28.1% | -95.9% | 9.9% | - |
| Net income growth (YoY) | 0.3% | - | 6.2% | 15081.2% | 22.2% | - | 27.6% | -99.2% | 10.2% | - |
| EPS growth (YoY) | 18.2% | - | 31.5% | 17900.0% | 28.5% | - | 14.2% | -99.2% | 16.3% | - |
| EPS CAGR (3y) | 20.9% | - | 66.7% | 24.6% | 34.8% | - | 19.6% | -79.0% | 16.9% | - |
| EPS CAGR (5y) | 19.4% | - | 17.7% | 16.6% | 23.6% | - | 16.2% | -57.9% | 16.5% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 11.7% | 8.3% | 17.9% | 8.8% | 3.2% | 9.3% | -15.8% | 5.3% | 13.8% | 20.0% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$3.29B totalTerm 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 totalAsset Based Revenues$607.62M · 51.4%
Sales Based Revenues$477.15M · 40.4%
Account Based Revenues$97.36M · 8.2%
Geographic
$3.29B totalUS$2.85B · 86.6%
CA$440.76M · 13.4%
Peer comparison
Same SIC group: Life Insurance
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 |