PRI (Primerica) Moat Score: 5/10 (As of Jun. 27, 2026)


PRI Primerica Inc PRI
92 GF Score
Price $283.89
GF Value $302.80
Valuation Fairly Valued
! 3 Warning Signs
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What is Primerica Moat Score?

Primerica PRI +0.90% 92 Moat Score is 5 as of Jun. 27, 2026. GuruFocus rates PRI with a GF Score™ of 92/100 and a GF Value™ of $302.80 (Fairly Valued). The stock has 3 warning signs investors should review. Among 596 Insurance companies, Primerica ranks better than 88.76% on this metric.

Primerica has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Primerica has Narrow Moat: Primerica has a solid narrow moat due to its strong brand and customer loyalty in the financial services sector. It benefits from a robust distribution network and some economies of scale, but lacks significant regulatory barriers or unique intellectual property to warrant a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Primerica might have Narrow Moat - Solid narrow moat.

Primerica  (NYSE:PRI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Primerica Moat Score Related Terms

PRI vs JXN, LNC, GL: Moat Score Comparison

For the Insurance - Life subindustry, Primerica's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Primerica's Moat Score distribution charts can be found below:

* The bar in red indicates where Primerica's Moat Score falls into.


PRI
92GF Score
Primerica Inc PRI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Primerica (PRI) has a Moat Score of 5 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Primerica ranks #67 out of 596 companies in the Insurance industry, placing it in the top 11.2%.
Is Primerica's Moat Score too high?
Primerica's current Moat Score is 5. Based on the distribution chart, Primerica ranks #67 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to JXN and LNC?
According to the Insurance industry distribution chart, Primerica ranks #67 out of 596 companies for Moat Score. This places Primerica in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Primerica's current Moat Score is 5. 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 $302.80, compared to a current price of $283.89 — trading 6.2% below its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Primerica (PRI), the current Moat Score is 5 as of Jun. 27, 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 $283.89 is trading 6.2% below its estimated GF Value™ of $302.80. GuruFocus considers Primerica to be Fairly Valued.

Key valuation signals for PRI:

  • Moat Score: 5
  • GF Value™: $302.80 vs. price of $283.89 (6.2% below fair value)
  • GF Score™: 92/100 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.
92GF Score

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

$283.89
Price
$302.80
GF Value