PrimericaPRI -0.78%91 FCF Margin % is 16.93% as of Mar. 2026, which is 30% below its 10-year median of 24.21. 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 502 Insurance companies, Primerica ranks better than 80.88% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Primerica's Free Cash Flow for the
three
months ended in Mar. 2026 was $148 Mil. Primerica's Revenue for the
three
months ended in Mar. 2026 was $873 Mil. Therefore, Primerica's FCF Margin % for the quarter that ended in Mar. 2026 was 16.93%.
The historical rank and industry rank for Primerica's FCF Margin % or its related term are showing as below:
PRI'
s FCF Margin % Range Over the Past 10 Years
Min: 18.48 Med: 24.21 Max: 27.77
Current: 24.83
During the past 13 years, the highest FCF Margin % of Primerica was 27.77%. The lowest was 18.48%. And the median was 24.21%.
PRI's FCF Margin % is ranked better than 80.88% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs PRI: 24.83
Primerica FCF Margin % Related Terms
Primerica FCF Margin % Historical Data
* Premium members only.
The historical data trend for Primerica's FCF 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 FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Primerica's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Primerica's FCF 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 FCF Margin % of 16.93% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Primerica and its competitors. This is 30% below median its historical median of 24.21. Over the past decade, Primerica's FCF Margin % has ranged from 18.48 to 27.77. According to the industry distribution chart, Primerica ranks #96 out of 502 companies in the Insurance industry, placing it in the top 19.1%.
Is Primerica's FCF Margin % too high?
Primerica's current FCF Margin % of 16.93% is 30% below median its 10-year median of 24.21. Over the past 10 years, this metric has ranged from a low of 18.48 to a high of 27.77. The Insurance industry median FCF Margin % is 9.63. Primerica's value of 16.93% is 75.8% above this industry median. Based on the distribution chart, Primerica ranks #96 out of 502 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 FCF Margin % compare to JXN and LNC?
According to the Insurance industry distribution chart, Primerica ranks #96 out of 502 companies for FCF Margin %. This places Primerica in the top 19% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.63. Primerica's value of 16.93% is 75.8% above this benchmark. Historically, Primerica's own FCF Margin % has ranged from 18.48 to 27.77 over the past decade. While the company's 10-year median is 24.21 vs. the industry median of 9.63, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Primerica's current FCF Margin % of 16.93% is 75.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Primerica and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primerica's current FCF Margin % is 16.93%, which is 30% below median its own 10-year median of 24.21. 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 FCF Margin % is 16.93%, which is 30% below median its 10-year median of 24.21 and 75.8% above the Insurance industry median of 9.63. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Primerica (PRI), the current FCF Margin % is 16.93% 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:
FCF Margin %: 16.93% (30% below median its 10-year median of 24.21)
GF Value™: $302.68 vs. price of $281.52 (7% below fair value)
Industry Position: 75.8% above the Insurance median (#96 of 502)
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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