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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3426
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$9.0B
Glenn J. Williams
Primerica, Inc. provides financial products to middle-income households in the United States and Canada. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans. The Senior Health segment offers segregated funds; and medicare advantage and supplement products.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = PRI ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$PRI Primerica, Inc. | 41 | 28 | 51 | 29 | 11.6x | 8.3x | 31.3% | 4.8% | - | 30.6% | 22.3% | 6.2% | 1.5% | 547.0x | $9.0B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Primerica, Inc. (PRI) receives a "Reduce" rating with a composite score of 40.9/100. It ranks #3426 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for PRI.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 28 | 22 | +6ALPHA |
| MOMENTUM | 29 | 23 | +6ALPHA |
| VALUATION | 51 | 69 | -18DRAG |
| INVESTMENT | 39 | 72 | -33DRAG |
| STABILITY | 62 | 70 | -8DRAG |
| SHORT INT | 41 | 37 | +4NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 31.3% (sector 9.0%)
GM N/A vs sector 78%, OM 31% vs sector 18%
Capital turnover N/A
Rev growth 6%, 10yr history
Interest coverage 45.4x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Primerica, Inc. (PRI) as a Reduce with a composite score of 40.9/100 at a current price of $252.89. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Primerica, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 40.9/100 places it at rank #3426 in our full universe.
Narrow
High
Standard
Fair Value
Returns on equity of 31.3% exceed cost of capital.
Stable competitive position in a defensive sector.
Leverage of 547% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Below-average quality raises earnings sustainability concerns.
Primerica, Inc. represents a reduce based on multi-factor quantitative performance.
Primerica, Inc. receives a Reduce rating from our analysis, with a composite score of 40.9/100 and 2 out of 5 stars, ranking #3426 out of 7,333 stocks. PRI's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
PRI's quality score of 28/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 31.3% (sector avg: 9.0%), net margins of 22.3% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
PRI's value score of 51/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 11.56x, an EV/EBITDA of 8.30x, a P/B ratio of 3.62x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
Primerica, Inc.'s investment score of 39/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 6.2% vs. a sector average of 10.7% and a return on assets of 4.8% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
Primerica, Inc. is experiencing notably weak momentum with a score of just 29/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth stands at 6.2% year-over-year, while a beta of 0.85 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
With a stability score of 62/100, PRI exhibits average financial resilience. Key stability metrics include a beta of 0.85 and a debt-to-equity ratio of 547.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 41/100 for PRI suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 547.00x). With a $9.0B market cap (mid-cap), Primerica, Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
PRI offers a modest dividend yield of 1.5%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
Primerica, Inc. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3426 of 7,333 overall (53rd percentile). Key comparisons include ROE of 31.3% exceeding the 9.0% sector median and operating margins of 30.6% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While PRI currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (28) would have the largest impact on the composite score.
EV/EBITDA 7% ABOVE SECTOR MEDIAN
ROE 248% ABOVE SECTOR MEDIAN (FAVORABLE)
Op. Margin 69% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
Primerica (PRI) expects growth in the number of policies issued between 3 and 5% in 2024.
Primerica’s fourth quarter results surpassed Wall Street’s revenue and profit expectations, but the market responded negatively, reflecting concerns about underlying business trends. Management pointed to continued strength in its investment and savings products segment, which offset persistent headwinds in term life insurance sales. Glenn Williams, CEO, highlighted, “Our investment and savings product sales continued to set new records, even as term life insurance demand remained pressured by h
Some Primerica, Inc. ( NYSE:PRI ) shareholders may be a little concerned to see that the CEO & Director, Glenn...
While the top- and bottom-line numbers for Primerica (PRI) give a sense of how the business performed in the quarter ended March 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Primerica (PRI), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended March 2024.