Switch to:

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 0.42
PRI's Cash to Debt is ranked higher than
71% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. PRI: 0.42 )
PRI' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 0.42

Equity to Asset 0.12
PRI's Equity to Asset is ranked higher than
88% of the 154 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
76% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.86 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: 5
Z-Score: 0.45
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 (%) 19.82
PRI's Operating margin (%) is ranked higher than
95% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.18 vs. PRI: 19.82 )
PRI' s 10-Year Operating margin (%) Range
Min: 16.07   Max: 38.2
Current: 19.82

16.07
38.2
Net-margin (%) 12.84
PRI's Net-margin (%) is ranked higher than
94% of the 151 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.94 vs. PRI: 12.84 )
PRI' s 10-Year Net-margin (%) Range
Min: 7.63   Max: 24.83
Current: 12.84

7.63
24.83
ROE (%) 13.32
PRI's ROE (%) is ranked higher than
91% of the 151 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.91 vs. PRI: 13.32 )
PRI' s 10-Year ROE (%) Range
Min: 4.08   Max: 16.24
Current: 13.32

4.08
16.24
ROA (%) 1.58
PRI's ROA (%) is ranked higher than
94% of the 151 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.57 vs. PRI: 1.58 )
PRI' s 10-Year ROA (%) Range
Min: 1.5   Max: 4.88
Current: 1.58

1.5
4.88
Revenue Growth (%) 6.20
PRI's Revenue Growth (%) is ranked higher than
84% of the 141 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.90 vs. PRI: 6.20 )
PRI' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 6.2
Current: 6.2

0
6.2
EBITDA Growth (%) -0.80
PRI's EBITDA Growth (%) is ranked higher than
74% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. PRI: -0.80 )
PRI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: -0.8
Current: -0.8

EPS Growth (%) -3.50
PRI's EPS Growth (%) is ranked higher than
71% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.50 vs. PRI: -3.50 )
PRI' s 10-Year EPS Growth (%) 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

Q2 2013

PRI Guru Trades in Q2 2013

Steven Cohen 12,202 sh (New)
Jeremy Grantham 14,297 sh (+24%)
Glenn Greenberg 3,335,976 sh (+0.76%)
Ron Baron 3,229,777 sh (+0.36%)
Ruane Cunniff 3,720,625 sh (unchged)
Paul Tudor Jones Sold Out
Richard Pzena 927,301 sh (-2.07%)
Chuck Royce 165,300 sh (-6.72%)
Jim Simons 20,000 sh (-73.99%)
» More
Q3 2013

PRI Guru Trades in Q3 2013

Chuck Royce 220,700 sh (+33.51%)
Ron Baron 3,427,566 sh (+6.12%)
Glenn Greenberg 3,377,527 sh (+1.25%)
Ruane Cunniff 3,720,625 sh (unchged)
Jim Simons Sold Out
Steven Cohen Sold Out
Richard Pzena 808,044 sh (-12.86%)
Jeremy Grantham 12,057 sh (-15.67%)
» More
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
» 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 $ 47.1546%3310822
Glenn Greenberg 2012-12-31 Add 45.75%1.7%$27.37 - $30.02 $ 47.1565%3022508
Glenn Greenberg 2012-09-30 Add 9.95%0.33%$26.59 - $30.25 $ 47.1567%2073772
Glenn Greenberg 2012-06-30 Add 10.77%0.35%$23.34 - $26.73 $ 47.1588%1886019
Glenn Greenberg 2011-12-31 Add 22.86%0.6%$20.55 - $23.61 $ 47.15111%1683852
Glenn Greenberg 2011-09-30 New Buy2.88%$19.28 - $22.35 $ 47.15127%1370503
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.60
PRI's P/E(ttm) is ranked higher than
81% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.70 vs. PRI: 15.60 )
PRI' s 10-Year P/E(ttm) Range
Min: 7.49   Max: 16.26
Current: 15.6

7.49
16.26
P/B 2.00
PRI's P/B is ranked higher than
68% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.48 vs. PRI: 2.00 )
PRI' s 10-Year P/B Range
Min: 0.91   Max: 2.13
Current: 2

0.91
2.13
P/S 2.00
PRI's P/S is ranked higher than
66% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.88 vs. PRI: 2.00 )
PRI' s 10-Year P/S Range
Min: 1.26   Max: 2.12
Current: 2

1.26
2.12
PFCF 16.10
PRI's PFCF is ranked higher than
71% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.69 vs. PRI: 16.10 )
PRI' s 10-Year PFCF Range
Min: 10.19   Max: 139.06
Current: 16.1

10.19
139.06
EV-to-EBIT 10.66
PRI's EV-to-EBIT is ranked higher than
81% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.83 vs. PRI: 10.66 )
PRI' s 10-Year EV-to-EBIT Range
Min: 2.5   Max: 11.3
Current: 10.66

2.5
11.3
Shiller P/E 16.50
PRI's Shiller P/E is ranked higher than
88% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 24.22 vs. PRI: 16.50 )
PRI' s 10-Year Shiller P/E Range
Min: 15.3   Max: 17.19
Current: 16.5

15.3
17.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.00
PRI's Dividend Yield is ranked lower than
85% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.06 vs. PRI: 1.00 )
PRI' s 10-Year Dividend Yield Range
Min: 0.04   Max: 1.11
Current: 1

0.04
1.11
Dividend Payout 0.15
PRI's Dividend Payout is ranked higher than
98% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.60 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 101 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.60 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) 1.00
PRI's Yield on cost (5-Year) is ranked lower than
81% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.17 vs. PRI: 1.00 )
PRI' s 10-Year Yield on cost (5-Year) Range
Min: 0.04   Max: 1.11
Current: 1

0.04
1.11
Share Buyback Rate 8.10
PRI's Share Buyback Rate is ranked higher than
98% of the 126 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 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 2.20
PRI's Price/Tangible Book is ranked higher than
72% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.85 vs. PRI: 2.20 )
PRI' s 10-Year Price/Tangible Book Range
Min: 1.06   Max: 2.17
Current: 2.2

1.06
2.17
Price/DCF (Projected) 0.70
PRI's Price/DCF (Projected) is ranked higher than
76% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.48 vs. PRI: 0.70 )
PRI' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 0.66
Current: 0.7

0.5
0.66
Price/Median PS Value 1.20
PRI's Price/Median PS Value is ranked higher than
71% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. PRI: 1.20 )
PRI' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.24
Current: 1.2

0.8
1.24
Price/Graham Number 1.20
PRI's Price/Graham Number is ranked higher than
75% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. PRI: 1.20 )
PRI' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 1.22
Current: 1.2

0.46
1.22
Earnings Yield (Greenblatt) 9.40
PRI's Earnings Yield (Greenblatt) is ranked higher than
77% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.50 vs. PRI: 9.40 )
PRI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.9   Max: 40
Current: 9.4

8.9
40

Business Description

Industry: Insurance - Life » Insurance - Life
Compare: » details
Traded in other countries:PI7.Germany
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 United States and Canada with approximately 92,400 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.
» 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, INC. Files SEC form 8-K, Other Events Jul 07 2014
[video] Primary Energy Sale Winding Down, Rich Sale Price Expected Jul 03 2014
Primerica Schedules Second Quarter 2014 Financial Results Webcast Jun 24 2014
Herbalife: Watch What I Do, Not What I Say Jun 09 2014
Primerica, Inc. President Glenn Williams to Participate in Panel at Standard & Poor’s 30th Annual... Jun 02 2014
PRIMERICA, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 22 2014
Primerica’s Board of Directors Elects Beatriz R. Perez as a Board Member May 21 2014
PRIMERICA, INC. Financials May 14 2014
Board of Directors of Primerica, Inc. Declares $0.12 Quarterly Dividend May 09 2014
Primerica 's (PRI) CEO Rick Williams on Q1 2014 Results - Earnings Call Transcript May 06 2014
PRIMERICA, INC. Files SEC form 10-Q, Quarterly Report May 06 2014
PRIMERICA, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... May 05 2014
Primerica Reports First Quarter 2014 Results May 05 2014
Q1 2014 Primerica, Inc. Earnings Release - After Market Close May 05 2014
Aflac Beats on Q1 Earnings, Misses Revs Apr 30 2014
Primerica Schedules First Quarter 2014 Financial Results Webcast Apr 14 2014
Primerica Among Best Places to Work in Georgia Mar 27 2014
Primerica Among Best Places to Work in Georgia Mar 27 2014
PFSL Fund Management Ltd. of Primerica Financial Services (Canada) Appoints Morneau Shepell Asset &... Mar 21 2014
PFSL Fund Management Ltd. of Primerica Financial Services (Canada) Appoints Morneau Shepell Asset &... Mar 21 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide