PRI (Primerica) EBIT: $1,050 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PRI Primerica Inc PRI
93 GF Score
Price $321.38
GF Value $312.36
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Primerica EBIT?

Primerica PRI -1.54% 93 EBIT is $1,050 Mil as of Jun. 2026. GuruFocus rates PRI with a GF Score™ of 93/100 and a GF Value™ of $312.36 (Fairly Valued). The stock has 3 warning signs investors should review.

Primerica's earnings before interest and taxes (EBIT) for the three months ended in Jun. 2026 was $264 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2026 was $1,050 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Primerica's annualized ROC % for the quarter that ended in Jun. 2026 was 6.08%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Primerica's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 9.46%.


Primerica  (NYSE:PRI) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Primerica's annualized ROC % for the quarter that ended in Jun. 2026 is calculated as:

ROC % (Q: Jun. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2026 ) + Invested Capital (Q: Jun. 2026 ))/ count )
=1056.208 * ( 1 - 21.66% )/( (13519.55365 + 13710.98765)/ 2 )
=827.4333472/13615.27065
=6.08 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=14677.426 - 555.696 - ( 645.811 - 5% * 872.693 )
=13519.55365

Invested Capital(Q: Jun. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=14781.939 - 514.015 - ( 600.183 - 5% * 864.933 )
=13710.98765

Note: The EBIT data used here is four times the quarterly (Jun. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Primerica's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Jun. 2026 )
=1050.037/11095.480
=9.46 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Primerica EBIT Related Terms


Primerica EBIT Historical Data

* Premium members only.

The historical data trend for Primerica's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Primerica EBIT Chart

Primerica Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 674.15 745.89 798.33 964.28 998.52

Primerica Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 240.50 277.66 253.04 255.28 264.05

PRI vs JXN, LNC, GL: EBIT Comparison

For the Insurance - Life subindustry, Primerica's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Primerica EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Primerica's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Primerica's EV-to-EBIT falls into.


PRI
93GF Score
Primerica Inc PRI
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Primerica EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,050 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $1,050 Mil mean?
Primerica (PRI) has a EBIT of $1,050 Mil as of Jun. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Primerica.
Is Primerica's EBIT too high?
Primerica's current EBIT is $1,050 Mil. Overall, Primerica has a GF Score™ of 93/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Primerica's EBIT compare to JXN and LNC?
Primerica's EBIT of $1,050 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Primerica. Primerica's current EBIT is $1,050 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primerica stock overvalued right now?
Based on GuruFocus' analysis, Primerica (PRI) is currently considered Fairly Valued. The stock's GF Value™ is $312.36, compared to a current price of $321.38 — trading 2.9% above its estimated fair value. The current EBIT is $1,050 Mil. Primerica's overall GF Score™ is 93/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Primerica (PRI), the current EBIT is $1,050 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Primerica (PRI) Overvalued in 2026?

Based on GuruFocus' analysis, Primerica stock appears to be overvalued. The current stock price of $321.38 is trading 2.9% above its estimated GF Value™ of $312.36. GuruFocus considers Primerica to be Fairly Valued.

Key valuation signals for PRI:

  • EBIT: $1,050 Mil
  • GF Value™: $312.36 vs. price of $321.38 (2.9% above fair value)
  • GF Score™: 93/100 with 3 warning signs

No single metric tells the full story. See the PRI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Primerica Business Description

Other Exchanges PI7:Germany
Address 1 Primerica Parkway, Duluth, GA, USA, 30099
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 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. It has three segments Term Life Insurance; Investment and Savings Products; and Corporate and Other Distributed Products. Geogriphically, it derives a majority of its revenue from the United States.
93GF Score

Get the complete analysis for PRI

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$321.38
Price
$312.36
GF Value