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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 8/10

vs
industry
vs
history
Cash to Debt 0.22
PRI's Cash to Debt is ranked lower than
92% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.06 vs. PRI: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
PRI' s 10-Year Cash to Debt Range
Min: 0.15  Med: 0.42 Max: No Debt
Current: 0.22
Equity to Asset 0.11
PRI's Equity to Asset is ranked higher than
64% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. PRI: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
PRI' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.13 Max: 0.38
Current: 0.11
0.11
0.38
Interest Coverage 7.98
PRI's Interest Coverage is ranked lower than
66% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.17 vs. PRI: 7.98 )
Ranked among companies with meaningful Interest Coverage only.
PRI' s 10-Year Interest Coverage Range
Min: 7.17  Med: 14.49 Max: 9999.99
Current: 7.98
7.17
9999.99
F-Score: 5
WACC vs ROIC
11.29%
10.84%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 20.05
PRI's Operating margin (%) is ranked higher than
85% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.73 vs. PRI: 20.05 )
Ranked among companies with meaningful Operating margin (%) only.
PRI' s 10-Year Operating margin (%) Range
Min: 16.07  Med: 23.71 Max: 38.2
Current: 20.05
16.07
38.2
Net-margin (%) 13.01
PRI's Net-margin (%) is ranked higher than
81% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.12 vs. PRI: 13.01 )
Ranked among companies with meaningful Net-margin (%) only.
PRI' s 10-Year Net-margin (%) Range
Min: 7.63  Med: 15.38 Max: 24.83
Current: 13.01
7.63
24.83
ROE (%) 14.30
PRI's ROE (%) is ranked higher than
72% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.92 vs. PRI: 14.30 )
Ranked among companies with meaningful ROE (%) only.
PRI' s 10-Year ROE (%) Range
Min: 3.77  Med: 12.93 Max: 14.71
Current: 14.3
3.77
14.71
ROA (%) 1.68
PRI's ROA (%) is ranked higher than
76% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.73 vs. PRI: 1.68 )
Ranked among companies with meaningful ROA (%) only.
PRI' s 10-Year ROA (%) Range
Min: 1.44  Med: 1.72 Max: 3.98
Current: 1.68
1.44
3.98
Revenue Growth (3Y)(%) 17.60
PRI's Revenue Growth (3Y)(%) is ranked higher than
70% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.60 vs. PRI: 17.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PRI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -13.60 Max: 17.6
Current: 17.6
0
17.6
EBITDA Growth (3Y)(%) 15.20
PRI's EBITDA Growth (3Y)(%) is ranked higher than
63% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.40 vs. PRI: 15.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PRI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -21.50 Max: 15.2
Current: 15.2
0
15.2
EPS Growth (3Y)(%) 14.90
PRI's EPS Growth (3Y)(%) is ranked higher than
51% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.90 vs. PRI: 14.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PRI' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -4.70 Max: 14.9
Current: 14.9
0
14.9
» PRI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

PRI Guru Trades in Q3 2014

Ken Fisher 486,142 sh (New)
Richard Pzena 1,020,292 sh (+10.16%)
Ron Baron 3,596,767 sh (+0.05%)
Ruane Cunniff 3,721,085 sh (unchged)
Jim Simons Sold Out
Glenn Greenberg 3,331,270 sh (-0.79%)
Chuck Royce 129,197 sh (-7.12%)
» More
Q4 2014

PRI Guru Trades in Q4 2014

Ken Fisher 553,726 sh (+13.90%)
Ron Baron 3,597,096 sh (+0.01%)
Ruane Cunniff 3,716,445 sh (unchged)
Glenn Greenberg 2,344,940 sh (unchged)
Ruane Cunniff 3,716,445 sh (-0.12%)
Glenn Greenberg 2,344,940 sh (-29.61%)
Richard Pzena 717,390 sh (-29.69%)
Chuck Royce 53,000 sh (-58.98%)
» More
Q1 2015

PRI Guru Trades in Q1 2015

Paul Tudor Jones 11,500 sh (New)
Jim Simons 81,500 sh (New)
Ron Baron 3,602,096 sh (+0.14%)
Ron Baron 3,597,096 sh (unchged)
Chuck Royce Sold Out
Richard Pzena 716,313 sh (-0.15%)
Ken Fisher 549,176 sh (-0.82%)
Ruane Cunniff 3,619,968 sh (-2.60%)
Glenn Greenberg 2,108,727 sh (-10.07%)
» More
Q2 2015

PRI Guru Trades in Q2 2015

Jim Simons 210,200 sh (+157.91%)
Glenn Greenberg 2,695,109 sh (+27.81%)
Richard Pzena 718,963 sh (+0.37%)
Ron Baron 3,608,265 sh (+0.17%)
Ken Fisher 548,896 sh (-0.05%)
Ruane Cunniff 2,882,651 sh (-20.37%)
Paul Tudor Jones 6,400 sh (-44.35%)
» More
» Details

Insider Trades

Latest Guru Trades with PRI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 12.76
PRI's P/E(ttm) is ranked higher than
54% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.20 vs. PRI: 12.76 )
Ranked among companies with meaningful P/E(ttm) only.
PRI' s 10-Year P/E(ttm) Range
Min: 3.78  Med: 12.34 Max: 16.89
Current: 12.76
3.78
16.89
Forward P/E 10.20
PRI's Forward P/E is ranked higher than
63% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.49 vs. PRI: 10.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.60
PRI's PE(NRI) is ranked higher than
53% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.10 vs. PRI: 12.60 )
Ranked among companies with meaningful PE(NRI) only.
PRI' s 10-Year PE(NRI) Range
Min: 3.77  Med: 12.08 Max: 17.12
Current: 12.6
3.77
17.12
P/B 1.77
PRI's P/B is ranked lower than
71% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.22 vs. PRI: 1.77 )
Ranked among companies with meaningful P/B only.
PRI' s 10-Year P/B Range
Min: 0.91  Med: 1.38 Max: 2.31
Current: 1.77
0.91
2.31
P/S 1.65
PRI's P/S is ranked lower than
80% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. PRI: 1.65 )
Ranked among companies with meaningful P/S only.
PRI' s 10-Year P/S Range
Min: 0.79  Med: 1.67 Max: 2.24
Current: 1.65
0.79
2.24
PFCF 9.38
PRI's PFCF is ranked lower than
68% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.62 vs. PRI: 9.38 )
Ranked among companies with meaningful PFCF only.
PRI' s 10-Year PFCF Range
Min: 3.71  Med: 14.69 Max: 195.17
Current: 9.38
3.71
195.17
POCF 9.06
PRI's POCF is ranked lower than
72% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.87 vs. PRI: 9.06 )
Ranked among companies with meaningful POCF only.
PRI' s 10-Year POCF Range
Min: 3.66  Med: 13.07 Max: 53.23
Current: 9.06
3.66
53.23
EV-to-EBIT 8.58
PRI's EV-to-EBIT is ranked higher than
57% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.08 vs. PRI: 8.58 )
Ranked among companies with meaningful EV-to-EBIT only.
PRI' s 10-Year EV-to-EBIT Range
Min: 2.5  Med: 9.15 Max: 12.5
Current: 8.58
2.5
12.5
Shiller P/E 12.75
PRI's Shiller P/E is ranked higher than
68% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.18 vs. PRI: 12.75 )
Ranked among companies with meaningful Shiller P/E only.
PRI' s 10-Year Shiller P/E Range
Min: 12.39  Med: 16.99 Max: 20.36
Current: 12.75
12.39
20.36
Days Sales Outstanding 50.21
PRI's Days Sales Outstanding is ranked lower than
73% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 25.63 vs. PRI: 50.21 )
Ranked among companies with meaningful Days Sales Outstanding only.
PRI' s 10-Year Days Sales Outstanding Range
Min: 28.13  Med: 51.47 Max: 165.93
Current: 50.21
28.13
165.93

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
PRI's Dividend Yield is ranked lower than
128% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.94 vs. PRI: 1.40 )
Ranked among companies with meaningful Dividend Yield only.
PRI' s 10-Year Dividend Yield Range
Min: 0.04  Med: 0.87 Max: 1.42
Current: 1.4
0.04
1.42
Dividend Payout 0.17
PRI's Dividend Payout is ranked higher than
74% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. PRI: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
PRI' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.13 Max: 0.2
Current: 0.17
0.02
0.2
Dividend growth (3y) 68.70
PRI's Dividend growth (3y) is ranked higher than
93% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.30 vs. PRI: 68.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
PRI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 180.2
Current: 68.7
0
180.2
Yield on cost (5-Year) 1.40
PRI's Yield on cost (5-Year) is ranked lower than
129% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.35 vs. PRI: 1.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PRI' s 10-Year Yield on cost (5-Year) Range
Min: 0.04  Med: 0.87 Max: 1.42
Current: 1.4
0.04
1.42
Share Buyback Rate 9.30
PRI's Share Buyback Rate is ranked higher than
95% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. PRI: 9.30 )
Ranked among companies with meaningful Share Buyback Rate only.
PRI' s 10-Year Share Buyback Rate Range
Min: 0  Med: 9.30 Max: 5.9
Current: 9.3
0
5.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.89
PRI's Price/Tangible Book is ranked lower than
57% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.59 vs. PRI: 1.89 )
Ranked among companies with meaningful Price/Tangible Book only.
PRI' s 10-Year Price/Tangible Book Range
Min: 1.06  Med: 1.40 Max: 2.39
Current: 1.89
1.06
2.39
Price/Projected FCF 0.85
PRI's Price/Projected FCF is ranked lower than
59% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.57 vs. PRI: 0.85 )
Ranked among companies with meaningful Price/Projected FCF only.
PRI' s 10-Year Price/Projected FCF Range
Min: 0.51  Med: 0.83 Max: 0.95
Current: 0.85
0.51
0.95
Price/Median PS Value 0.99
PRI's Price/Median PS Value is ranked higher than
55% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.99 vs. PRI: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
PRI' s 10-Year Price/Median PS Value Range
Min: 0.49  Med: 0.99 Max: 1.32
Current: 0.99
0.49
1.32
Price/Peter Lynch Fair Value 1.79
PRI's Price/Peter Lynch Fair Value is ranked lower than
84% of the 31 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. PRI: 1.79 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PRI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.47  Med: 1.69 Max: 1.91
Current: 1.79
1.47
1.91
Price/Graham Number 1.00
PRI's Price/Graham Number is ranked lower than
54% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. PRI: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
PRI' s 10-Year Price/Graham Number Range
Min: 0.46  Med: 0.85 Max: 1.29
Current: 1
0.46
1.29
Earnings Yield (Greenblatt) (%) 11.60
PRI's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. PRI: 11.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PRI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 8  Med: 10.90 Max: 40
Current: 11.6
8
40
Forward Rate of Return (Yacktman) (%) 12.24
PRI's Forward Rate of Return (Yacktman) (%) is ranked lower than
54% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.36 vs. PRI: 12.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PRI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.3  Med: 0.90 Max: 12.3
Current: 12.24
-5.3
12.3

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 1,412 1,493 1,565
EPS($) 3.70 4.20 4.65
EPS without NRI($) 3.70 4.20 4.65

Business Description

Industry: Insurance - Life » Insurance - Life
Compare: » details
Traded in other countries:PI7.Germany,
Primerica Inc was incorporated in the United States as a Delaware corporation in October 2009 to serve as a holding company for the Primerica business. The Company is a distributor of financial products to middle income households in United States and Canada. The Company assists its clients to meet their needs for term life insurance, which it underwrites, and mutual funds, variable annuities and other asset protection products, which it distributes on behalf of third parties. It conduct business activities in the United States through three entities: Primerica Financial Services, Inc. (PFS), general agency and marketing company; Primerica Life Insurance Company (Primerica Life), principal life insurance underwriting company; and PFS Investments Inc. (PFS Investments), investment and savings products company, broker-dealer and registered investment advisor. It also conducts business activities in Canada through three entities: Primerica Life Insurance Company of Canada (Primerica Life Canada), Canadian life insurance underwriting company; PFSL Investments Canada Ltd. (PFSL Investments Canada), Canadian licensed mutual fund dealer; and PFSL Fund Management Ltd. (PFSL Fund Management), Canadian investment funds manager. The Company has three operating segments to organize, evaluate and manage its business: Term Life Insurance, Investment and Savings Products, and Corporate and Other Distributed Products. Through its three life insurance subsidiaries - Primerica Life, NBLIC and Primerica Life Canada, the Company offers term life insurance to clients in the United States, its territories, the District of Columbia and Canada. Through PFS; PFS Investments; Primerica Life Canada; PFSL Investments Canada; and its licensed sales representatives, the Company distributes and sells to its client's mutual funds, variable and fixed annuities and segregated funds. It offers Primerica DebtWatchers, long-term care insurance, prepaid legal services, and auto and homeowners' insurance referrals as well as debt consolidation referrals in Canada. The Company offers its U.S. clients long-term care insurance, underwritten and provided by Genworth Life Insurance Company and its affiliates. It competes directly with a variety of financial institutions, such as insurance companies, insurance brokers, banks, finance companies, credit unions, loan brokers, broker-dealers, mutual fund companies and other national and international financial products and services companies. The Company's operations are subject to laws and governmental regulations, including administrative determinations, court decisions and similar constraints.
» More Articles for PRI

Headlines

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Ron Baron Continued - Opportunities Everywhere, Response to Marc Faber Nov 08 2013 
Looking For a Few Good Businesses Jun 20 2013 
comment on PRI Jun 30 2012 
Hedge Fund Manager Glenn Greenberg Buys MSI, PRI, WFC, V, VRX, AON, CMCSK, USB, Sells MA Nov 17 2011 
Notable Dividend News: DPS, SPTN, NSU, TIE, PRI May 18 2011 
PRIMERICA INC. Reports Operating Results (10-Q) Nov 12 2010 
PRIMERICA INC. Reports Operating Results (10-Q) Aug 16 2010 

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Glenn Greenberg Acquires Two New Stakes Aug 26 2015
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Primerica Announces $200 Million Stock Repurchase Program Through 2016 Aug 13 2015
Primerica Announces $200 Million Stock Repurchase Program Through 2016 Aug 13 2015
10-Q for Primerica, Inc. Aug 08 2015
Board of Directors of Primerica, Inc. Declares $0.16 Quarterly Dividend Aug 07 2015
Board of Directors of Primerica, Inc. Declares $0.16 Quarterly Dividend Aug 07 2015
Edited Transcript of PRI earnings conference call or presentation 6-Aug-15 2:00pm GMT Aug 06 2015
PRIMERICA, INC. Files SEC form 10-Q, Quarterly Report Aug 06 2015
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Primerica Reports Second Quarter 2015 Results Aug 05 2015
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