PrimericaPRI -0.78%91 EBITDA Margin % is 29.69% as of Mar. 2026, which is 15% above its 10-year median of 25.76. GuruFocus rates PRI with a GF Score™ of 91/100 and a GF Value™ of $302.68 (Fairly Valued). The stock has 3 warning signs investors should review. Among 371 Insurance companies, Primerica ranks better than 82.21% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Primerica's EBITDA for the
three
months ended in Mar. 2026 was $259 Mil. Primerica's Revenue for the
three
months ended in Mar. 2026 was $873 Mil. Therefore, Primerica's EBITDA margin for the quarter that ended in Mar. 2026 was 29.69%.
Primerica (NYSE:PRI) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Primerica EBITDA Margin % Related Terms
Primerica EBITDA Margin % Historical Data
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The historical data trend for Primerica's EBITDA Margin % 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.
For the Insurance - Life subindustry, Primerica's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Primerica's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Primerica's EBITDA Margin % falls into.
* 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 (PRI) has a EBITDA Margin % of 29.69% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Primerica and its competitors. This is 15% above median its historical median of 25.76. Over the past decade, Primerica's EBITDA Margin % has ranged from 24.07 to 31.97. According to the industry distribution chart, Primerica ranks #66 out of 371 companies in the Insurance industry, placing it in the top 17.8%.
Is Primerica's EBITDA Margin % too high?
Primerica's current EBITDA Margin % of 29.69% is 15% above median its 10-year median of 25.76. Over the past 10 years, this metric has ranged from a low of 24.07 to a high of 31.97. The Insurance industry median EBITDA Margin % is 14.91. Primerica's value of 29.69% is 99.1% above this industry median. Based on the distribution chart, Primerica ranks #66 out of 371 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 EBITDA Margin % compare to JXN and LNC?
According to the Insurance industry distribution chart, Primerica ranks #66 out of 371 companies for EBITDA Margin %. This places Primerica in the top 18% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 14.91. Primerica's value of 29.69% is 99.1% above this benchmark. Historically, Primerica's own EBITDA Margin % has ranged from 24.07 to 31.97 over the past decade. While the company's 10-year median is 25.76 vs. the industry median of 14.91, Primerica has consistently been above 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.91, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Primerica's current EBITDA Margin % of 29.69% is 99.1% above 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Primerica and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primerica's current EBITDA Margin % is 29.69%, which is 15% above median its own 10-year median of 25.76. 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 $302.68, compared to a current price of $281.52 — trading 7% below its estimated fair value. The current EBITDA Margin % is 29.69%, which is 15% above median its 10-year median of 25.76 and 99.1% above the Insurance industry median of 14.91. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Primerica (PRI), the current EBITDA Margin % is 29.69% 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 undervalued.
The current stock price of $281.52 is trading 7% below its estimated GF Value™ of $302.68.
GuruFocus considers Primerica to be Fairly Valued.
Key valuation signals for PRI:
EBITDA Margin %: 29.69% (15% above median its 10-year median of 25.76)
GF Value™: $302.68 vs. price of $281.52 (7% below fair value)
Industry Position: 99.1% above the Insurance median (#66 of 371)
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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