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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.29
PRI's Cash to Debt is ranked higher than
64% of the 159 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.36 vs. PRI: 0.29 )
PRI' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.29

Equity to Asset 0.12
PRI's Equity to Asset is ranked higher than
89% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. PRI: 0.12 )
PRI' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.38
Current: 0.12

0.12
0.38
Interest Coverage 7.17
PRI's Interest Coverage is ranked higher than
74% of the 140 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.17 vs. PRI: 7.17 )
PRI' s 10-Year Interest Coverage Range
Min: 7.17   Max: 9999.99
Current: 7.17

7.17
9999.99
F-Score: 7
Z-Score: 0.50
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 (%) 19.92
PRI's Operating margin (%) is ranked higher than
97% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.25 vs. PRI: 19.92 )
PRI' s 10-Year Operating margin (%) Range
Min: 16.07   Max: 38.2
Current: 19.92

16.07
38.2
Net-margin (%) 12.83
PRI's Net-margin (%) is ranked higher than
95% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.93 vs. PRI: 12.83 )
PRI' s 10-Year Net-margin (%) Range
Min: 7.63   Max: 24.83
Current: 12.83

7.63
24.83
ROE (%) 13.81
PRI's ROE (%) is ranked higher than
88% of the 170 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.72 vs. PRI: 13.81 )
PRI' s 10-Year ROE (%) Range
Min: 3.77   Max: 13.03
Current: 13.81

3.77
13.03
ROA (%) 1.66
PRI's ROA (%) is ranked higher than
95% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. PRI: 1.66 )
PRI' s 10-Year ROA (%) Range
Min: 1.44   Max: 4.06
Current: 1.66

1.44
4.06
ROC (Joel Greenblatt) (%) 207.04
PRI's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 341.36 vs. PRI: 207.04 )
PRI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 191.6   Max: 203.56
Current: 207.04

191.6
203.56
Revenue Growth (3Y)(%) 6.20
PRI's Revenue Growth (3Y)(%) is ranked higher than
80% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.70 vs. PRI: 6.20 )
PRI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 6.2
Current: 6.2

0
6.2
EBITDA Growth (3Y)(%) -3.80
PRI's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 142 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. PRI: -3.80 )
PRI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: -3.8
Current: -3.8

EPS Growth (3Y)(%) -3.50
PRI's EPS Growth (3Y)(%) is ranked higher than
70% of the 141 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. PRI: -3.50 )
PRI' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: -3.5
Current: -3.5

» PRI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

PRI Guru Trades in Q4 2013

Steven Cohen 17,967 sh (New)
Jim Simons 17,800 sh (New)
Ron Baron 3,456,180 sh (+0.83%)
Glenn Greenberg 3,389,761 sh (+0.36%)
Jeremy Grantham 12,084 sh (+0.22%)
Ruane Cunniff 3,720,625 sh (unchged)
Richard Pzena 724,055 sh (-10.39%)
Chuck Royce 175,700 sh (-20.39%)
» More
Q1 2014

PRI Guru Trades in Q1 2014

Jim Simons 141,700 sh (+696.07%)
Richard Pzena 844,745 sh (+16.67%)
Ron Baron 3,598,463 sh (+4.12%)
Ruane Cunniff 3,721,385 sh (+0.02%)
Jeremy Grantham Sold Out
Glenn Greenberg 3,376,231 sh (-0.4%)
Chuck Royce 147,300 sh (-16.16%)
Steven Cohen 4,803 sh (-73.27%)
» More
Q2 2014

PRI Guru Trades in Q2 2014

Richard Pzena 926,192 sh (+9.64%)
Ruane Cunniff 3,721,085 sh (-0.01%)
Ron Baron 3,595,092 sh (-0.09%)
Glenn Greenberg 3,357,924 sh (-0.54%)
Chuck Royce 139,097 sh (-5.57%)
Jim Simons 86,300 sh (-39.1%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2014-09-30 New Buy0.05%$45.85 - $51.06 $ 53.7611%486142
Glenn Greenberg 2013-03-31 Add 9.54%0.5%$30.01 - $33.63 $ 53.7667%3310822
Glenn Greenberg 2012-12-31 Add 45.75%1.7%$27.37 - $30.02 $ 53.7688%3022508
Richard Pzena 2012-12-31 Reduce -25.01%0.08%$27.37 - $30.02 $ 53.7688%997250
Glenn Greenberg 2012-09-30 Add 9.95%0.33%$26.59 - $30.25 $ 53.7690%2073772
Glenn Greenberg 2012-06-30 Add 10.77%0.35%$23.34 - $26.73 $ 53.76114%1886019
Glenn Greenberg 2011-12-31 Add 22.86%0.6%$20.55 - $23.61 $ 53.76140%1683852
Richard Pzena 2011-12-31 Add 56.07%0.15%$20.55 - $23.61 $ 53.76140%1709628
Glenn Greenberg 2011-09-30 New Buy2.88%$19.28 - $22.35 $ 53.76159%1370503
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 17.40
PRI's P/E(ttm) is ranked higher than
78% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.30 vs. PRI: 17.40 )
PRI' s 10-Year P/E(ttm) Range
Min: 7.49   Max: 17.4
Current: 17.4

7.49
17.4
P/B 2.30
PRI's P/B is ranked higher than
72% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.57 vs. PRI: 2.30 )
PRI' s 10-Year P/B Range
Min: 0.91   Max: 2.3
Current: 2.3

0.91
2.3
P/S 2.20
PRI's P/S is ranked higher than
65% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. PRI: 2.20 )
PRI' s 10-Year P/S Range
Min: 1.26   Max: 2.21
Current: 2.2

1.26
2.21
PFCF 13.60
PRI's PFCF is ranked higher than
81% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.66 vs. PRI: 13.60 )
PRI' s 10-Year PFCF Range
Min: 11.39   Max: 67.89
Current: 13.6

11.39
67.89
EV-to-EBIT 12.20
PRI's EV-to-EBIT is ranked higher than
78% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.45 vs. PRI: 12.20 )
PRI' s 10-Year EV-to-EBIT Range
Min: 4.7   Max: 12.5
Current: 12.2

4.7
12.5
Shiller P/E 18.90
PRI's Shiller P/E is ranked higher than
87% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 26.62 vs. PRI: 18.90 )
PRI' s 10-Year Shiller P/E Range
Min: 15.35   Max: 18.9
Current: 18.9

15.35
18.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
PRI's Dividend Yield is ranked lower than
86% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.22 vs. PRI: 0.90 )
PRI' s 10-Year Dividend Yield Range
Min: 0.04   Max: 1.11
Current: 0.9

0.04
1.11
Dividend Payout 0.15
PRI's Dividend Payout is ranked higher than
90% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. PRI: 0.15 )
PRI' s 10-Year Dividend Payout Range
Min: 0.02   Max: 0.17
Current: 0.15

0.02
0.17
Dividend growth (3y) 180.20
PRI's Dividend growth (3y) is ranked higher than
99% of the 118 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.60 vs. PRI: 180.20 )
PRI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 180.2
Current: 180.2

0
180.2
Yield on cost (5-Year) 0.90
PRI's Yield on cost (5-Year) is ranked lower than
84% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.25 vs. PRI: 0.90 )
PRI' s 10-Year Yield on cost (5-Year) Range
Min: 0.04   Max: 1.11
Current: 0.9

0.04
1.11
Share Buyback Rate 8.10
PRI's Share Buyback Rate is ranked higher than
98% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.70 vs. PRI: 8.10 )
PRI' s 10-Year Share Buyback Rate Range
Min: 0   Max: 5.9
Current: 8.1

0
5.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.30
PRI's Price/Tangible Book is ranked higher than
76% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.20 vs. PRI: 2.30 )
PRI' s 10-Year Price/Tangible Book Range
Min: 1.06   Max: 2.17
Current: 2.3

1.06
2.17
Price/DCF (Projected) 0.90
PRI's Price/DCF (Projected) is ranked higher than
84% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. PRI: 0.90 )
PRI' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.82
Current: 0.9

0.5
0.82
Price/Median PS Value 1.30
PRI's Price/Median PS Value is ranked higher than
71% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.09 vs. PRI: 1.30 )
PRI' s 10-Year Price/Median PS Value Range
Min: 0.79   Max: 1.22
Current: 1.3

0.79
1.22
Price/Graham Number 1.30
PRI's Price/Graham Number is ranked higher than
77% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. PRI: 1.30 )
PRI' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 1.21
Current: 1.3

0.46
1.21
Earnings Yield (Greenblatt) 8.20
PRI's Earnings Yield (Greenblatt) is ranked higher than
77% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. PRI: 8.20 )
PRI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8   Max: 21.4
Current: 8.2

8
21.4

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

Articles On GuruFocus.com
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 
PRIMERICA INC. Reports Operating Results (10-Q) May 17 2010 
An Bullish Call on Citigroup Inc. Apr 10 2010 


More From Other Websites
Primerica Schedules Fourth Quarter 2014 Financial Results Webcast Dec 22 2014
Primerica Schedules Fourth Quarter 2014 Financial Results Webcast Dec 22 2014
Primerica (PRI) Gains on New Share Repurchase Program Nov 21 2014
Primerica Announces $150 Million Stock Repurchase Program Nov 19 2014
Primerica Announces $150 Million Stock Repurchase Program Nov 19 2014
Ebola continues to rage in West Africa Nov 17 2014
PRIMERICA, INC. Financials Nov 14 2014
10-Q for Primerica, Inc. Nov 07 2014
Board of Directors of Primerica, Inc. Declares $0.12 Quarterly Dividend Nov 07 2014
Board of Directors of Primerica, Inc. Declares $0.12 Quarterly Dividend Nov 07 2014
Primerica (PRI) Misses on Q3 Earnings, Beats Revenues Nov 06 2014
PRIMERICA, INC. Files SEC form 10-Q, Quarterly Report Nov 05 2014
Primerica misses 3Q profit forecasts Nov 05 2014
Primerica misses 3Q profit forecasts Nov 05 2014
Primerica Reports Third Quarter 2014 Results Nov 04 2014
PRIMERICA, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Nov 04 2014
Primerica Reports Third Quarter 2014 Results Nov 04 2014
Q3 2014 Primerica Inc Earnings Release - After Market Close Nov 04 2014
Primerica Schedules Third Quarter 2014 Financial Results Webcast Sep 29 2014
PRIMERICA, INC. Files SEC form 8-K, Other Events Sep 17 2014

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