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PrimericaPRI +0.56%91 3-Year EBITDA Growth Rate is 15.00% as of Mar. 2026, which is 6% below its 10-year median of 16.00. GuruFocus rates PRI with a GF Score™ of 91/100 and a GF Value™ of $305.73 (Fairly Valued). The stock has 3 warning signs investors should review. Among 291 Insurance companies, Primerica ranks worse than 54.64% on this metric.
During the past 12 months, Primerica's average EBITDA Per Share Growth Rate was 8.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 15.00% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 17.60% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 17.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Primerica was 19.50% per year. The lowest was -1.60% per year. And the median was 16.00% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Primerica 3-Year EBITDA Growth Rate Related Terms
PRI vs JXN, LNC, GL: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Life subindustry, Primerica's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Primerica's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Primerica's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 15.00% mean?
Primerica (PRI) has a 3-Year EBITDA Growth Rate of 15.00% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Primerica and its competitors. This is near median its historical median of 16.00. According to the industry distribution chart, Primerica ranks #159 out of 291 companies in the Insurance industry, placing it in the top 54.6%.
Is Primerica's 3-Year EBITDA Growth Rate too high?
Primerica's current 3-Year EBITDA Growth Rate of 15.00% is near median its 10-year median of 16.00. The Insurance industry median 3-Year EBITDA Growth Rate is 17.50. Primerica's value of 15.00% is 14.3% below this industry median. Based on the distribution chart, Primerica ranks #159 out of 291 companies in the Insurance industry, which is below the industry midpoint. Overall, Primerica has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Primerica's 3-Year EBITDA Growth Rate compare to JXN and LNC?
According to the Insurance industry distribution chart, Primerica ranks #159 out of 291 companies for 3-Year EBITDA Growth Rate. This places Primerica in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 17.50. Primerica's value of 15.00% is 14.3% below this benchmark. While the company's 10-year median is 16.00 vs. the industry median of 17.50, Primerica has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.50, based on 291 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Primerica's current 3-Year EBITDA Growth Rate of 15.00% is 14.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Primerica and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primerica's current 3-Year EBITDA Growth Rate is 15.00%, which is near median its own 10-year median of 16.00. 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 $305.73, compared to a current price of $323.43 — trading 5.8% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 15.00%, which is near median its 10-year median of 16.00 and 14.3% below the Insurance industry median of 17.50. Primerica's overall GF Score™ is 91/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Primerica (PRI), the current 3-Year EBITDA Growth Rate is 15.00% as of Mar. 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 $323.43 is trading 5.8% above its estimated GF Value™ of $305.73.
GuruFocus considers Primerica to be Fairly Valued.
Key valuation signals for PRI:
3-Year EBITDA Growth Rate: 15.00% (near median its 10-year median of 16.00)
GF Value™: $305.73 vs. price of $323.43 (5.8% above fair value)
Industry Position: 14.3% below the Insurance median (#159 of 291)
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 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.
91GF Score
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