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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.13
PRI's Cash-to-Debt is ranked lower than
92% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.42 vs. PRI: 0.13 )
Ranked among companies with meaningful Cash-to-Debt only.
PRI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.36 Max: No Debt
Current: 0.13
0.13
No Debt
Equity-to-Asset 0.11
PRI's Equity-to-Asset is ranked higher than
62% of the 88 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: 0.12 Max: 0.38
Current: 0.11
0.11
0.38
Debt-to-Equity 0.87
PRI's Debt-to-Equity is ranked lower than
88% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.25 vs. PRI: 0.87 )
Ranked among companies with meaningful Debt-to-Equity only.
PRI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19  Med: 0.33 Max: 0.87
Current: 0.87
0.19
0.87
Debt-to-EBITDA 2.62
PRI's Debt-to-EBITDA is ranked lower than
73% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. PRI: 2.62 )
Ranked among companies with meaningful Debt-to-EBITDA only.
PRI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.77  Med: 1.56 Max: 2.63
Current: 2.62
0.77
2.63
Beneish M-Score: 13.03
WACC vs ROIC
8.09%
18.93%
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 : 4/10

vs
industry
vs
history
Net Margin % 21.34
PRI's Net Margin % is ranked higher than
84% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.69 vs. PRI: 21.34 )
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: 22.27
Current: 21.34
7.63
22.27
ROE % 28.32
PRI's ROE % is ranked higher than
96% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.16 vs. PRI: 28.32 )
Ranked among companies with meaningful ROE % only.
PRI' s ROE % Range Over the Past 10 Years
Min: 3.77  Med: 13.09 Max: 28.32
Current: 28.32
3.77
28.32
ROA % 3.15
PRI's ROA % is ranked higher than
84% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.74 vs. PRI: 3.15 )
Ranked among companies with meaningful ROA % only.
PRI' s ROA % Range Over the Past 10 Years
Min: 1.44  Med: 1.75 Max: 3.98
Current: 3.15
1.44
3.98
3-Year Revenue Growth Rate 14.60
PRI's 3-Year Revenue Growth Rate is ranked higher than
81% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.30 vs. PRI: 14.60 )
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: -19.8  Med: 9.45 Max: 17.6
Current: 14.6
-19.8
17.6
3-Year EBITDA Growth Rate 15.60
PRI's 3-Year EBITDA Growth Rate is ranked higher than
79% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.50 vs. PRI: 15.60 )
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: 4.2 Max: 16
Current: 15.6
0
16
3-Year EPS without NRI Growth Rate 32.70
PRI's 3-Year EPS without NRI Growth Rate is ranked higher than
91% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.40 vs. PRI: 32.70 )
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: 4.35 Max: 32.7
Current: 32.7
0
32.7
» PRI's 30-Y Financials

Financials (Next Earnings Date: 2018-11-10 Est.)


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

» Details

Guru Trades

Q3 2017

PRI Guru Trades in Q3 2017

Lee Ainslie 56,852 sh (+18.63%)
Ruane Cunniff 2,008,377 sh (unchged)
Ron Baron 2,676,215 sh (-0.01%)
Glenn Greenberg 1,485,192 sh (-2.19%)
Paul Tudor Jones 8,394 sh (-21.95%)
» More
Q4 2017

PRI Guru Trades in Q4 2017

Pioneer Investments 2,387 sh (New)
Steven Cohen 2,600 sh (New)
Jim Simons 56,250 sh (New)
Lee Ainslie 65,221 sh (+14.72%)
Paul Tudor Jones 8,623 sh (+2.73%)
Ron Baron 2,683,565 sh (+0.27%)
Glenn Greenberg 1,397,564 sh (-5.90%)
Ruane Cunniff 1,007,642 sh (-49.83%)
» More
Q1 2018

PRI Guru Trades in Q1 2018

Jim Simons 58,500 sh (+4.00%)
Glenn Greenberg 1,399,165 sh (+0.11%)
Lee Ainslie Sold Out
Steven Cohen Sold Out
Ron Baron 2,581,081 sh (-3.82%)
Paul Tudor Jones 8,254 sh (-4.28%)
Ruane Cunniff 932,205 sh (-7.49%)
Pioneer Investments 1,561 sh (-34.60%)
» More
Q2 2018

PRI Guru Trades in Q2 2018

Glenn Greenberg 1,577,925 sh (+12.78%)
Paul Tudor Jones Sold Out
Jim Simons Sold Out
Ron Baron 2,518,548 sh (-2.42%)
Pioneer Investments 1,279 sh (-18.07%)
Ruane Cunniff 4,727 sh (-99.49%)
» 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
Ron Baron 2018-06-30 Reduce -2.42%0.03%$92.7 - $102.8 $ 117.9521%2,518,548
Glenn Greenberg 2018-06-30 Add 12.78%0.73%$92.7 - $102.8 $ 117.9521%1,577,925
Ruane Cunniff 2018-06-30 Reduce -99.49%0.83%$92.7 - $102.8 $ 117.9521%4,727
Ron Baron 2018-03-31 Reduce -3.82%0.05%$93.5 - $106.45 $ 117.9517%2,581,081
Glenn Greenberg 2018-03-31 Add 0.11%0.01%$93.5 - $106.45 $ 117.9517%1,399,165
Ruane Cunniff 2018-03-31 Reduce -7.49%0.06%$93.5 - $106.45 $ 117.9517%932,205
Ron Baron 2017-12-31 Add 0.27%$81.85 - $105.3 $ 117.9524%2,683,565
Glenn Greenberg 2017-12-31 Reduce -5.90%0.35%$81.85 - $105.3 $ 117.9524%1,397,564
Ruane Cunniff 2017-12-31 Reduce -49.83%0.71%$81.85 - $105.3 $ 117.9524%1,007,642
Ron Baron 2017-09-30 Reduce -0.01%$72.15 - $82.2 $ 117.9551%2,676,215
Glenn Greenberg 2017-09-30 Reduce -2.19%0.11%$72.15 - $82.2 $ 117.9551%1,485,192
Premium More recent guru trades are included for Premium Members only!!
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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:XKRX:088350, LSE:PHNX, TPE:2823, TPE:2888, OSL:STB, NYSE:CNO, XKRX:079440, JSE:LBH, JSE:MMI, NYSE:AEL, NAS:BHF, XTER:WUW, NYSE:FG, BOM:500271, NYSE:FFG, BKK:BLA-F, XKRX:082640, NAS:NWLI, TPE:2867, XTAE:CLIS » details
Traded in other countries:PI7.Germany,
Headquarter Location:USA
Primerica Inc is a life insurance company that distributes its 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.

Ratios

vs
industry
vs
history
PE Ratio 13.83
PRI's PE Ratio is ranked lower than
51% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.25 vs. PRI: 13.83 )
Ranked among companies with meaningful PE Ratio only.
PRI' s PE Ratio Range Over the Past 10 Years
Min: 3.78  Med: 13.01 Max: 19.38
Current: 13.83
3.78
19.38
PE Ratio without NRI 13.83
PRI's PE Ratio without NRI is ranked lower than
51% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.09 vs. PRI: 13.83 )
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: 13.03 Max: 19.38
Current: 13.83
3.78
19.38
Price-to-Owner-Earnings 7.74
PRI's Price-to-Owner-Earnings is ranked higher than
59% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.39 vs. PRI: 7.74 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PRI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.74  Med: 8.58 Max: 154.47
Current: 7.74
3.74
154.47
PB Ratio 3.69
PRI's PB Ratio is ranked lower than
86% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.18 vs. PRI: 3.69 )
Ranked among companies with meaningful PB Ratio only.
PRI' s PB Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.93 Max: 3.74
Current: 3.69
0.91
3.74
PS Ratio 2.93
PRI's PS Ratio is ranked lower than
92% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.82 vs. PRI: 2.93 )
Ranked among companies with meaningful PS Ratio only.
PRI' s PS Ratio Range Over the Past 10 Years
Min: 0.79  Med: 1.82 Max: 2.95
Current: 2.93
0.79
2.95
Price-to-Free-Cash-Flow 12.40
PRI's Price-to-Free-Cash-Flow is ranked lower than
63% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.33 vs. PRI: 12.40 )
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: 12.22 Max: 68.25
Current: 12.4
3.66
68.25
Price-to-Operating-Cash-Flow 12.20
PRI's Price-to-Operating-Cash-Flow is ranked lower than
64% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.97 vs. PRI: 12.20 )
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: 11.81 Max: 52.75
Current: 12.2
3.61
52.75
EV-to-EBIT 13.62
PRI's EV-to-EBIT is ranked lower than
68% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. PRI: 13.62 )
Ranked among companies with meaningful EV-to-EBIT only.
PRI' s EV-to-EBIT Range Over the Past 10 Years
Min: 6  Med: 9.3 Max: 41.4
Current: 13.62
6
41.4
EV-to-EBITDA 13.23
PRI's EV-to-EBITDA is ranked lower than
66% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.45 vs. PRI: 13.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
PRI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.8  Med: 9 Max: 39.2
Current: 13.23
5.8
39.2
EV-to-Revenue 3.40
PRI's EV-to-Revenue is ranked lower than
93% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.93 vs. PRI: 3.40 )
Ranked among companies with meaningful EV-to-Revenue only.
PRI' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.8  Med: 2.1 Max: 3.4
Current: 3.4
0.8
3.4
PEG Ratio 0.99
PRI's PEG Ratio is ranked higher than
73% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.65 vs. PRI: 0.99 )
Ranked among companies with meaningful PEG Ratio only.
PRI' s PEG Ratio Range Over the Past 10 Years
Min: 0.4  Med: 0.93 Max: 1.43
Current: 0.99
0.4
1.43
Shiller PE Ratio 28.86
PRI's Shiller PE Ratio is ranked lower than
99.99% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.48 vs. PRI: 28.86 )
Ranked among companies with meaningful Shiller PE Ratio only.
PRI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 24.24  Med: 25.22 Max: 29.32
Current: 28.86
24.24
29.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.76
PRI's Dividend Yield % is ranked lower than
99.99% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.13 vs. PRI: 0.76 )
Ranked among companies with meaningful Dividend Yield % only.
PRI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.04  Med: 0.92 Max: 1.6
Current: 0.76
0.04
1.6
Dividend Payout Ratio 0.11
PRI's Dividend Payout Ratio is ranked higher than
92% of the 102 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.26 vs. PRI: 0.11 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PRI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.12 Max: 0.17
Current: 0.11
0.01
0.17
3-Year Dividend Growth Rate 17.60
PRI's 3-Year Dividend Growth Rate is ranked higher than
75% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.20 vs. PRI: 17.60 )
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: 17.15 Max: 180.2
Current: 17.6
0
180.2
Forward Dividend Yield % 0.86
PRI's Forward Dividend Yield % is ranked lower than
99.99% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.50 vs. PRI: 0.86 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.25
PRI's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 132 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.09 vs. PRI: 2.25 )
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: 0.12  Med: 2.72 Max: 4.73
Current: 2.25
0.12
4.73
3-Year Average Share Buyback Ratio 5.30
PRI's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.10 vs. PRI: 5.30 )
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: 1  Med: 5.6 Max: 9
Current: 5.3
1
9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.82
PRI's Price-to-Tangible-Book is ranked lower than
79% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.46 vs. PRI: 3.82 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PRI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.06  Med: 2.01 Max: 3.88
Current: 3.82
1.06
3.88
Price-to-Intrinsic-Value-Projected-FCF 1.03
PRI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
77% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.55 vs. PRI: 1.03 )
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: 0.86 Max: 1.05
Current: 1.03
0.52
1.05
Price-to-Median-PS-Value 1.60
PRI's Price-to-Median-PS-Value is ranked lower than
93% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. PRI: 1.60 )
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: 0.44  Med: 0.99 Max: 1.63
Current: 1.6
0.44
1.63
Price-to-Peter-Lynch-Fair-Value 0.88
PRI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
55% of the 22 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.12 vs. PRI: 0.88 )
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: 0.55  Med: 0.91 Max: 1.47
Current: 0.88
0.55
1.47
Price-to-Graham-Number 1.53
PRI's Price-to-Graham-Number is ranked lower than
67% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.88 vs. PRI: 1.53 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PRI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 1.09 Max: 1.55
Current: 1.53
0.47
1.55
Earnings Yield (Greenblatt) % 7.36
PRI's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.31 vs. PRI: 7.36 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PRI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.4  Med: 10.7 Max: 16.7
Current: 7.36
2.4
16.7
Forward Rate of Return (Yacktman) % 20.50
PRI's Forward Rate of Return (Yacktman) % is ranked higher than
52% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.57 vs. PRI: 20.50 )
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: 19.1 Max: 25.7
Current: 20.5
-6.8
25.7

More Statistics

Revenue (TTM) (Mil) $1,815.40
EPS (TTM) $ 8.55
Beta1.05
Volatility25.29%
52-Week Range $71.60 - 120.30
Shares Outstanding (Mil)43.13

Analyst Estimate

Dec18
Revenue (Mil $)
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 5.40
EPS without NRI ($) 5.40
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.80

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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