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34.11 (1y: +42%)
Market Cap 1.97 B P/E(ttm) 12.20
Enterprise Value 2.34 B P/B 1.50
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GuruFocus Financial Strength Rank measures how strong a companyย’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

vs
industry		 vs
history
Cash to Debt 0.15
PRI's Cash to Debt is ranked lower than
78% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.10 vs. PRI: 0.15 )
PRI' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.15
Equity to Asset 0.117
PRI's Equity to Asset is ranked higher than
60% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. PRI: 0.117 )
PRI' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.37
Current: 0.12
0.12
0.37
Interest Coverage 8.1
PRI's Interest Coverage is ranked higher than
64% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10000.00 vs. PRI: 8.1 )
PRI' s 10-Year Interest Coverage Range
Min: 8   Max: No Debt
Current: 8.1
F-Score: 6
Z-Score: 0.39
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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

vs
industry		 vs
history
Operating margin (%) 22.40
PRI's Operating margin (%) is ranked higher than
96% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.65 vs. PRI: 22.40 )
PRI' s 10-Year Operating margin (%) Range
Min: 16.1   Max: 38.2
Current: 22.4
16.1
38.2
Net-margin (%) 14.6
PRI's Net-margin (%) is ranked higher than
96% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.25 vs. PRI: 14.6 )
PRI' s 10-Year Net-margin (%) Range
Min: 7.6   Max: 24.8
Current: 14.6
7.6
24.8
ROE (%) 13.6
PRI's ROE (%) is ranked higher than
78% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.00 vs. PRI: 13.6 )
PRI' s 10-Year ROE (%) Range
Min: 4.1   Max: 18
Current: 13.6
4.1
18
ROA (%) 1.7
PRI's ROA (%) is ranked higher than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. PRI: 1.7 )
PRI' s 10-Year ROA (%) Range
Min: 1.5   Max: 4.9
Current: 1.7
1.5
4.9
ROC (Joel Greenblatt) (%) 101.80
PRI's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 140.60 vs. PRI: 101.80 )
PRI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 101.8   Max: 101.8
Current: 101.8
Revenue Growth (%) -10.4
PRI's Revenue Growth (%) is ranked lower than
100% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.05 vs. PRI: -10.4 )
PRI' s 10-Year Revenue Growth (%) Range
Min: 0   Max: -10.4
Current: -10.4
EBITDA Growth (%) -18.9
PRI's EBITDA Growth (%) is ranked lower than
69% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.80 vs. PRI: -18.9 )
PRI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: -18.9
Current: -18.9
EPS Growth (%) -19.9
PRI's EPS Growth (%) is ranked lower than
64% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.90 vs. PRI: -19.9 )
PRI' s 10-Year EPS Growth (%) Range
Min: 0   Max: -19.9
Current: -19.9
ยป PRI's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

PRI Guru Trades in Q2 2012

Steven Cohen 139,800 sh (+697.76%)
Jeremy Grantham 21,700 sh (+92.04%)
Glenn Greenberg 1,886,019 sh (+10.77%)
Ron Baron 3,060,111 sh (unchged)
Ruane Cunniff 3,720,625 sh (unchged)
Chuck Royce 170,000 sh (-3.63%)
Richard Pzena 1,653,914 sh (-4.85%)
Jim Simons 11,000 sh (-82.79%)
» More
Q3 2012

PRI Guru Trades in Q3 2012

Paul Tudor Jones 18,300 sh (New)
Glenn Greenberg 2,073,772 sh (+9.95%)
Chuck Royce 170,000 sh (unchged)
Ruane Cunniff 3,720,625 sh (unchged)
Jim Simons Sold Out
Ron Baron 3,038,471 sh (-0.71%)
Richard Pzena 1,329,901 sh (-19.59%)
Jeremy Grantham 9,800 sh (-54.84%)
Steven Cohen 11,057 sh (-92.09%)
» More
Q4 2012

PRI Guru Trades in Q4 2012

Jim Simons 37,500 sh (New)
Steven Cohen 17,369 sh (+57.09%)
Glenn Greenberg 3,022,508 sh (+45.75%)
Chuck Royce 190,800 sh (+12.24%)
Paul Tudor Jones 20,000 sh (+9.29%)
Ruane Cunniff 3,720,625 sh (unchged)
Ron Baron 3,033,716 sh (-0.16%)
Richard Pzena 997,250 sh (-25.01%)
» More
Q1 2013

PRI Guru Trades in Q1 2013

Jeremy Grantham 11,530 sh (New)
Jim Simons 76,900 sh (+105.07%)
Glenn Greenberg 3,310,822 sh (+9.54%)
Ron Baron 3,218,102 sh (+6.08%)
Ruane Cunniff 3,720,625 sh (unchged)
Steven Cohen Sold Out
Paul Tudor Jones 19,300 sh (-3.5%)
Richard Pzena 946,925 sh (-5.05%)
Chuck Royce 177,200 sh (-7.13%)
» More
» Details

Insider Trades

Latest Guru Trades with PRI

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Glenn Greenberg 2013-03-31 Add 9.54%0.5%$30.01 - $33.63 $ 34.116%3310822
Glenn Greenberg 2012-12-31 Add 45.75%1.7%$27.37 - $30.02 $ 34.1119%3022508
Glenn Greenberg 2012-09-30 Add 9.95%0.33%$26.59 - $30.25 $ 34.1121%2073772
Glenn Greenberg 2012-06-30 Add 10.77%0.35%$23.34 - $26.73 $ 34.1136%1886019
Glenn Greenberg 2011-12-31 Add 22.86%0.6%$20.55 - $23.61 $ 34.1153%1683852
Glenn Greenberg 2011-09-30 New Buy2.88%$19.28 - $22.35 $ 34.1164%1370503
John Griffin 2010-09-30 Sold Out 0.17%$20.25 - $23.44 $ 34.1159%0
Ruane Cunniff 2010-06-30 New Buy0.98%$19.65 - $25.48 $ 34.1148%3707900
Ron Baron 2010-06-30 New Buy0.41%$19.65 - $25.48 $ 34.1148%2711408
John Griffin 2010-06-30 New Buy0.17%$19.65 - $25.48 $ 34.1148%446800
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 12.20
PRI's P/E(ttm) is ranked higher than
62% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.95 vs. PRI: 12.20 )
PRI' s 10-Year P/E(ttm) Range
Min: 6.74   Max: 12.5
Current: 12.2
6.74
12.5
P/B 1.50
PRI's P/B is ranked lower than
62% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. PRI: 1.50 )
PRI' s 10-Year P/B Range
Min: 0.92   Max: 1.56
Current: 1.5
0.92
1.56
P/S 1.70
PRI's P/S is ranked lower than
89% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.75 vs. PRI: 1.70 )
PRI' s 10-Year P/S Range
Min: 1.26   Max: 2.07
Current: 1.7
1.26
2.07
PFCF 10.90
PRI's PFCF is ranked lower than
82% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.45 vs. PRI: 10.90 )
PRI' s 10-Year PFCF Range
Min: 9.64   Max: 67.89
Current: 10.9
9.64
67.89
EV-to-EBIT 8.8
PRI's EV-to-EBIT is ranked lower than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. PRI: 8.8 )
PRI' s 10-Year EV-to-EBIT Range
Min: 4.7   Max: 9.8
Current: 8.8
4.7
9.8

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.11
PRI's Dividend Yield is ranked lower than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.15 vs. PRI: 1.11 )
PRI' s 10-Year Dividend Yield Range
Min: 0.04   Max: 1.03
Current: 1.11
0.04
1.03
Dividend Payout 0.1132
PRI's Dividend Payout is ranked higher than
93% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.33 vs. PRI: 0.1132 )
PRI' s 10-Year Dividend Payout Range
Min: 0.01   Max: 0.09
Current: 0.11
0.01
0.09
Yield on cost (5-Year) 0.90
PRI's Yield on cost (5-Year) is ranked lower than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.17 vs. PRI: 0.90 )
PRI' s 10-Year Yield on cost (5-Year) Range
Min: 0.04   Max: 1.03
Current: 0.9
0.04
1.03
Share Buyback Rate 4.5
PRI's Share Buyback Rate is ranked lower than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.85 vs. PRI: 4.5 )
PRI' s 10-Year Share Buyback Rate Range
Min: 0   Max: 4.5
Current: 4.5
0
4.5

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.6
PRI's Price/Tangible Book is ranked higher than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. PRI: 1.6 )
PRI' s 10-Year Price/Tangible Book Range
Min: 1.3   Max: 1.6
Current: 1.6
1.3
1.6
Price/Median PS Value 1.1
PRI's Price/Median PS Value is ranked higher than
82% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. PRI: 1.1 )
PRI' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1
Current: 1.1
0.8
1
Price/Graham Number 1
PRI's Price/Graham Number is ranked higher than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.65 vs. PRI: 1 )
PRI' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 0.9
Current: 1
0.6
0.9
Earnings Yield (Greenblatt) 11.30
PRI's Earnings Yield (Greenblatt) is ranked lower than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. PRI: 11.30 )
PRI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 10.2   Max: 21.4
Current: 11.3
10.2
21.4

Business Description

Primerica, Inc., was incorporated in Delaware 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 North America with approximately 100,000 licensed sales representatives. 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 mainly on behalf of third parties. 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. It offers its Primerica DebtWatchers product in the United States and a very similar product in three provinces 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 receives a commission based on its sales of these policies. 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.
Company Website
SEC Reports
Industry: Insurance - Life
Compare:
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