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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.24
PRI's Cash-to-Debt is ranked lower than
93% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.23 vs. PRI: 0.24 )
Ranked among companies with meaningful Cash-to-Debt only.
PRI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.41 Max: No Debt
Current: 0.24
Equity-to-Asset 0.11
PRI's Equity-to-Asset is ranked higher than
61% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. PRI: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
PRI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.13 Max: 0.39
Current: 0.11
0.11
0.39
Interest Coverage 11.77
PRI's Interest Coverage is ranked lower than
63% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 50.48 vs. PRI: 11.77 )
Ranked among companies with meaningful Interest Coverage only.
PRI' s Interest Coverage Range Over the Past 10 Years
Min: 7  Med: 10.25 Max: No Debt
Current: 11.77
Beneish M-Score: -2.46
WACC vs ROIC
7.51%
12.14%
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 : 6/10

vs
industry
vs
history
Operating Margin % 22.21
PRI's Operating Margin % is ranked higher than
82% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.98 vs. PRI: 22.21 )
Ranked among companies with meaningful Operating Margin % only.
PRI' s Operating Margin % Range Over the Past 10 Years
Min: 16.07  Med: 22.17 Max: 38.2
Current: 22.21
16.07
38.2
Net Margin % 14.44
PRI's Net Margin % is ranked higher than
80% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.17 vs. PRI: 14.44 )
Ranked among companies with meaningful Net Margin % only.
PRI' s Net Margin % Range Over the Past 10 Years
Min: 7.63  Med: 14.35 Max: 24.83
Current: 14.44
7.63
24.83
ROE % 18.23
PRI's ROE % is ranked higher than
89% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.21 vs. PRI: 18.23 )
Ranked among companies with meaningful ROE % only.
PRI' s ROE % Range Over the Past 10 Years
Min: 3.77  Med: 12.62 Max: 18.38
Current: 18.23
3.77
18.38
ROA % 1.97
PRI's ROA % is ranked higher than
77% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.60 vs. PRI: 1.97 )
Ranked among companies with meaningful ROA % only.
PRI' s ROA % Range Over the Past 10 Years
Min: 1.44  Med: 1.75 Max: 4.88
Current: 1.97
1.44
4.88
3-Year Revenue Growth Rate 13.80
PRI's 3-Year Revenue Growth Rate is ranked higher than
79% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.10 vs. PRI: 13.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PRI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.1 Max: 17.5
Current: 13.8
0
17.5
3-Year EBITDA Growth Rate 16.00
PRI's 3-Year EBITDA Growth Rate is ranked higher than
77% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.90 vs. PRI: 16.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PRI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -1.6 Max: 16
Current: 16
0
16
3-Year EPS without NRI Growth Rate 18.50
PRI's 3-Year EPS without NRI Growth Rate is ranked higher than
84% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.60 vs. PRI: 18.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PRI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -2.4 Max: 18.5
Current: 18.5
0
18.5
GuruFocus has detected 3 Warning Signs with Primerica Inc $PRI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PRI's 10-Y Financials

Financials (Next Earnings Date: 2017-05-08 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

PRI Guru Trades in Q1 2016

Steven Cohen 200,700 sh (New)
Joel Greenblatt 4,827 sh (New)
Paul Tudor Jones 35,884 sh (+98.78%)
RS Investment Management 1,010,288 sh (+38.00%)
David Dreman 4,444 sh (+34.54%)
Glenn Greenberg 3,311,941 sh (+11.56%)
Richard Pzena 228,490 sh (+0.32%)
Ruane Cunniff 2,882,551 sh (unchged)
Ken Fisher Sold Out
Ron Baron 3,581,137 sh (-0.33%)
» More
Q2 2016

PRI Guru Trades in Q2 2016

Ruane Cunniff 3,780,842 sh (+31.16%)
RS Investment Management 1,247,548 sh (+23.48%)
David Dreman 4,444 sh (unchged)
Joel Greenblatt Sold Out
Steven Cohen Sold Out
Ron Baron 3,580,845 sh (-0.01%)
Glenn Greenberg 3,272,256 sh (-1.20%)
Richard Pzena 125,265 sh (-45.18%)
Paul Tudor Jones 17,833 sh (-50.30%)
» More
Q3 2016

PRI Guru Trades in Q3 2016

Jim Simons 163,400 sh (New)
Joel Greenblatt 3,789 sh (New)
Paul Tudor Jones 37,674 sh (+111.26%)
Ruane Cunniff 4,017,602 sh (+6.26%)
David Dreman 4,444 sh (unchged)
Richard Pzena Sold Out
Ron Baron 3,299,506 sh (-7.86%)
Glenn Greenberg 2,729,998 sh (-16.57%)
» More
Q4 2016

PRI Guru Trades in Q4 2016

Jim Simons 381,999 sh (+133.78%)
David Dreman 7,590 sh (+70.79%)
Joel Greenblatt Sold Out
Ron Baron 2,930,705 sh (-11.18%)
Ruane Cunniff 3,008,752 sh (-25.11%)
Glenn Greenberg 1,608,035 sh (-41.10%)
Paul Tudor Jones 17,269 sh (-54.16%)
» 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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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:NYSE:CNO, OTCPK:MMHDF, OTCPK:DLLLF, NYSE:AEL, OTCPK:DCYHF, NYSE:FGL, NYSE:FFG, NAS:NWLI, OTCPK:CSNRF, OTCPK:PTPNF, OTCPK:KCLI, OTCPK:STJPF, NYSE:CIA, NAS:TIPT, NYSE:IHC, OTCPK:HNRDF, NAS:AAME, NAS:GWGH, OTCPK:UTGN, OTCPK:IHRC » details
Traded in other countries:PI7.Germany,
Headquarter Location:USA
Primerica Inc is a distributor of financial products to middle income households in the United States and Canada. The company assists its clients in terms of life insurance, mutual funds, annuities and other financial products.

Primerica Inc is a provider of financial services to middle-income households in the United States and Canada. The company offers life insurance, mutual funds, annuities, and other financial products, distributed primarily on behalf of third parties. Primerica has three main subsidiaries: Primerica Financial Services, a marketing company; Primerica Life Insurance Company, a principal life insurance underwriting entity; and PFS Investments, which offers investment and savings products, brokerage services, and registered investment advisory.

Guru Investment Theses on Primerica Inc

Baron Funds Comments on Primerica Inc. - Jun 01, 2016

Primerica, Inc. (NYSE:PRI) also serves a growing need for financial planning in an underserved customer segment. The company provides term life insurance and third-party investment products to middle income households that are often ignored by other financial companies. Primerica has a multi-level sales model that positions the company to reach middle income investors in a cost-efficient manner and help them set and achieve their financial goals.



From Baron Funds' May 2016 Baron Insight: Investing in Financials.



Check out Ron Baron latest stock trades

Top Ranked Articles about Primerica Inc

Baron Funds Comments on Primerica Inc. Guru stock highlight
Primerica, Inc. (NYSE:PRI) also serves a growing need for financial planning in an underserved customer segment. The company provides term life insurance and third-party investment products to middle income households that are often ignored by other financial companies. Primerica has a multi-level sales model that positions the company to reach middle income investors in a cost-efficient manner and help them set and achieve their financial goals. Read more...

Ratios

vs
industry
vs
history
PE Ratio 18.49
PRI's PE Ratio is ranked lower than
60% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.17 vs. PRI: 18.49 )
Ranked among companies with meaningful PE Ratio only.
PRI' s PE Ratio Range Over the Past 10 Years
Min: 3.78  Med: 12.77 Max: 18.63
Current: 18.49
3.78
18.63
PE Ratio without NRI 18.49
PRI's PE Ratio without NRI is ranked lower than
58% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.24 vs. PRI: 18.49 )
Ranked among companies with meaningful PE Ratio without NRI only.
PRI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.78  Med: 12.77 Max: 18.63
Current: 18.49
3.78
18.63
Price-to-Owner-Earnings 9.48
PRI's Price-to-Owner-Earnings is ranked higher than
53% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.22 vs. PRI: 9.48 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PRI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.22  Med: 7.71 Max: 11.24
Current: 9.48
5.22
11.24
PB Ratio 3.17
PRI's PB Ratio is ranked lower than
88% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. PRI: 3.17 )
Ranked among companies with meaningful PB Ratio only.
PRI' s PB Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.83 Max: 3.19
Current: 3.17
0.91
3.19
PS Ratio 2.66
PRI's PS Ratio is ranked lower than
88% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.92 vs. PRI: 2.66 )
Ranked among companies with meaningful PS Ratio only.
PRI' s PS Ratio Range Over the Past 10 Years
Min: 0.79  Med: 1.77 Max: 2.69
Current: 2.66
0.79
2.69
Price-to-Free-Cash-Flow 14.45
PRI's Price-to-Free-Cash-Flow is ranked lower than
76% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.82 vs. PRI: 14.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PRI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.66  Med: 12.9 Max: 68.07
Current: 14.45
3.66
68.07
Price-to-Operating-Cash-Flow 13.80
PRI's Price-to-Operating-Cash-Flow is ranked lower than
78% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.79 vs. PRI: 13.80 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PRI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.61  Med: 12.39 Max: 52.63
Current: 13.8
3.61
52.63
EV-to-EBIT 12.32
PRI's EV-to-EBIT is ranked lower than
56% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.53 vs. PRI: 12.32 )
Ranked among companies with meaningful EV-to-EBIT only.
PRI' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.5  Med: 8.6 Max: 12.5
Current: 12.32
2.5
12.5
EV-to-EBITDA 11.85
PRI's EV-to-EBITDA is ranked lower than
63% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.01 vs. PRI: 11.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
PRI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.4  Med: 8.3 Max: 12.1
Current: 11.85
2.4
12.1
PEG Ratio 1.27
PRI's PEG Ratio is ranked higher than
51% of the 47 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. PRI: 1.27 )
Ranked among companies with meaningful PEG Ratio only.
PRI' s PEG Ratio Range Over the Past 10 Years
Min: 0.82  Med: 1.12 Max: 5.2
Current: 1.27
0.82
5.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.86
PRI's Dividend Yield % is ranked lower than
99.99% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.23 vs. PRI: 0.86 )
Ranked among companies with meaningful Dividend Yield % only.
PRI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.04  Med: 0.94 Max: 1.6
Current: 0.86
0.04
1.6
Dividend Payout Ratio 0.15
PRI's Dividend Payout Ratio is ranked higher than
87% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.35 vs. PRI: 0.15 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PRI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.15 Max: 0.17
Current: 0.15
0.01
0.17
3-Year Dividend Growth Rate 16.70
PRI's 3-Year Dividend Growth Rate is ranked higher than
65% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.60 vs. PRI: 16.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PRI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 16.7 Max: 180.2
Current: 16.7
0
180.2
Forward Dividend Yield % 0.90
PRI's Forward Dividend Yield % is ranked lower than
99.99% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.03 vs. PRI: 0.90 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.32
PRI's 5-Year Yield-on-Cost % is ranked lower than
56% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.51 vs. PRI: 5.32 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PRI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.25  Med: 5.82 Max: 9.91
Current: 5.32
0.25
9.91
3-Year Average Share Buyback Ratio 5.90
PRI's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. PRI: 5.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PRI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 4.7  Med: 7 Max: 0
Current: 5.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.32
PRI's Price-to-Tangible-Book is ranked lower than
80% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.38 vs. PRI: 3.32 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PRI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.2  Med: 2.04 Max: 3.34
Current: 3.32
1.2
3.34
Price-to-Intrinsic-Value-Projected-FCF 1.06
PRI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
80% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.49 vs. PRI: 1.06 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PRI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.84 Max: 1.07
Current: 1.06
0.52
1.07
Price-to-Median-PS-Value 1.50
PRI's Price-to-Median-PS-Value is ranked lower than
87% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.02 vs. PRI: 1.50 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PRI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.74  Med: 0.98 Max: 1.51
Current: 1.5
0.74
1.51
Price-to-Peter-Lynch-Fair-Value 1.34
PRI's Price-to-Peter-Lynch-Fair-Value is ranked lower than
72% of the 25 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.78 vs. PRI: 1.34 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PRI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.1  Med: 1.1 Max: 1.47
Current: 1.34
1.1
1.47
Price-to-Graham-Number 1.65
PRI's Price-to-Graham-Number is ranked lower than
74% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.11 vs. PRI: 1.65 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PRI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.68  Med: 1.09 Max: 1.66
Current: 1.65
0.68
1.66
Earnings Yield (Greenblatt) % 8.15
PRI's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.14 vs. PRI: 8.15 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PRI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 8  Med: 11.6 Max: 40.4
Current: 8.15
8
40.4
Forward Rate of Return (Yacktman) % 18.58
PRI's Forward Rate of Return (Yacktman) % is ranked lower than
61% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 23.84 vs. PRI: 18.58 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PRI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -6.8  Med: 7.2 Max: 20.8
Current: 18.58
-6.8
20.8

More Statistics

Revenue (TTM) (Mil) $1,520
EPS (TTM) $ 4.58
Beta1.07
Short Percentage of Float10.40%
52-Week Range $47.92 - 85.55
Shares Outstanding (Mil)45.70

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 1,606 1,723
EPS ($) 4.80 5.40
EPS without NRI ($) 4.80 5.40
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.74 0.80
» More Articles for PRI

Headlines

Articles On GuruFocus.com
Ruane Cunniff Sells Berkshire and Praxair, Exits Walmart Mar 10 2017 
Baron Funds Comments on Primerica Inc. Jun 01 2016 
Baron Insight: Investing in Financials May 31 2016 
Ruane Cunniff Adds to Stake in Monsanto Sep 15 2015 
Glenn Greenberg Acquires Two New Stakes Aug 26 2015 
Brave Warrior Advisors' Undervalued Stocks Jun 16 2015 
Glenn Greenberg's Trades In Q1 2015 Jun 11 2015 
Ron Baron Continued - Opportunities Everywhere, Response to Marc Faber Nov 08 2013 
Looking For a Few Good Businesses Jun 20 2013 
Hedge Fund Manager Glenn Greenberg Buys MSI, PRI, WFC, V, VRX, AON, CMCSK, USB, Sells MA Nov 17 2011 

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