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PrimericaPRI -0.71%92 EV-to-EBITDA is 10.43 as of Jul. 18, 2026, which is 6% below its 10-year median of 11.15. GuruFocus rates PRI with a GF Score™ of 92/100 and a GF Value™ of $304.66 (Fairly Valued). The stock has 3 warning signs investors should review. Among 346 Insurance companies, Primerica ranks worse than 63.58% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Primerica's enterprise value is $10,897 Mil.
Primerica's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $1,045 Mil. Therefore, Primerica's EV-to-EBITDA for today is 10.43.
The historical rank and industry rank for Primerica's EV-to-EBITDA or its related term are showing as below:
PRI'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.53 Med: 11.15 Max: 15.02
Current: 10.43
During the past 13 years, the highest EV-to-EBITDA of Primerica was 15.02. The lowest was 7.53. And the median was 11.15.
PRI's EV-to-EBITDA is ranked worse than 63.58% of 346
companies
in the Insurance industry
Industry Median: 8.23
vs PRI: 10.43
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Primerica (NYSE:PRI) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Primerica's share price for today is $310.54.
Primerica's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $23.850.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Primerica's EV-to-EBITDA 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 EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Primerica's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Primerica's EV-to-EBITDA falls into.
Primerica's current Enterprise Value is $10,897 Mil.
Primerica's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,045 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.
Primerica (PRI) has a EV-to-EBITDA of 10.43 as of Jul. 18, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Primerica. This is near median its historical median of 11.15. Over the past decade, Primerica's EV-to-EBITDA has ranged from 7.53 to 15.02. According to the industry distribution chart, Primerica ranks #220 out of 346 companies in the Insurance industry, placing it in the top 63.6%.
Is Primerica's EV-to-EBITDA too high?
Primerica's current EV-to-EBITDA of 10.43 is near median its 10-year median of 11.15. Over the past 10 years, this metric has ranged from a low of 7.53 to a high of 15.02. The Insurance industry median EV-to-EBITDA is 8.23. Primerica's value of 10.43 is 26.7% above this industry median. Based on the distribution chart, Primerica ranks #220 out of 346 companies in the Insurance industry, which is below the industry midpoint. Overall, Primerica has a GF Score™ of 92/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Primerica's EV-to-EBITDA compare to JXN and LNC?
According to the Insurance industry distribution chart, Primerica ranks #220 out of 346 companies for EV-to-EBITDA. This places Primerica in the lower half of its industry. The industry median EV-to-EBITDA is 8.23. Primerica's value of 10.43 is 26.7% above this benchmark. Historically, Primerica's own EV-to-EBITDA has ranged from 7.53 to 15.02 over the past decade. While the company's 10-year median is 11.15 vs. the industry median of 8.23, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.23, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Primerica's current EV-to-EBITDA of 10.43 is 26.7% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Primerica. For the Insurance industry, the median EV-to-EBITDA is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primerica's current EV-to-EBITDA is 10.43, which is near median its own 10-year median of 11.15. 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 $304.66, compared to a current price of $310.54 — trading 1.9% above its estimated fair value. The current EV-to-EBITDA is 10.43, which is near median its 10-year median of 11.15 and 26.7% above the Insurance industry median of 8.23. Primerica's overall GF Score™ is 92/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Primerica (PRI), the current EV-to-EBITDA is 10.43 as of Jul. 18, 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 $310.54 is trading 1.9% above its estimated GF Value™ of $304.66.
GuruFocus considers Primerica to be Fairly Valued.
Key valuation signals for PRI:
EV-to-EBITDA: 10.43 (near median its 10-year median of 11.15)
GF Value™: $304.66 vs. price of $310.54 (1.9% above fair value)
Industry Position: 26.7% above the Insurance median (#220 of 346)
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.
92GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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