PrimericaPRI +1.86%91 5-Year Yield-on-Cost % is 3.90 as of Jul. 05, 2026, which is 30% above its 10-year median of 3.00. GuruFocus rates PRI with a GF Score™ of 91/100 and a GF Value™ of $303.29 (Fairly Valued). The stock has 3 warning signs investors should review. Among 424 Insurance companies, Primerica ranks worse than 50.71% on this metric.
Primerica's yield on cost for the quarter that ended in Mar. 2026 was 3.90.
The historical rank and industry rank for Primerica's 5-Year Yield-on-Cost % or its related term are showing as below:
PRI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.81 Med: 3 Max: 5.63
Current: 3.9
During the past 13 years, Primerica's highest Yield on Cost was 5.63. The lowest was 1.81. And the median was 3.00.
PRI's 5-Year Yield-on-Cost % is ranked worse than 50.71% of 424
companies
in the Insurance industry
Industry Median: 3.99
vs PRI: 3.90
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Primerica 5-Year Yield-on-Cost % Related Terms
PRI vs JXN, LNC, CNO: 5-Year Yield-on-Cost % Comparison
For the Insurance - Life subindustry, Primerica's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Primerica's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Primerica's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Primerica is calculated as
Primerica (PRI) has a 5-Year Yield-on-Cost % of 3.90 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Primerica and its competitors. This is 30% above median its historical median of 3.00. Over the past decade, Primerica's 5-Year Yield-on-Cost % has ranged from 1.81 to 5.63. According to the industry distribution chart, Primerica ranks #215 out of 424 companies in the Insurance industry, placing it in the top 50.7%.
Is Primerica's 5-Year Yield-on-Cost % too high?
Primerica's current 5-Year Yield-on-Cost % of 3.90 is 30% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.81 to a high of 5.63. The Insurance industry median 5-Year Yield-on-Cost % is 3.99. Primerica's value of 3.90 is 2.3% below this industry median. Based on the distribution chart, Primerica ranks #215 out of 424 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 5-Year Yield-on-Cost % compare to JXN and LNC?
According to the Insurance industry distribution chart, Primerica ranks #215 out of 424 companies for 5-Year Yield-on-Cost %. This places Primerica in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.99. Primerica's value of 3.90 is 2.3% below this benchmark. Historically, Primerica's own 5-Year Yield-on-Cost % has ranged from 1.81 to 5.63 over the past decade. While the company's 10-year median is 3.00 vs. the industry median of 3.99, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.99, based on 424 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Primerica's current 5-Year Yield-on-Cost % of 3.90 is 2.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Primerica and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primerica's current 5-Year Yield-on-Cost % is 3.90, which is 30% above median its own 10-year median of 3.00. 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 $303.29, compared to a current price of $297.06 — trading 2.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.90, which is 30% above median its 10-year median of 3.00 and 2.3% below the Insurance industry median of 3.99. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Primerica (PRI), the current 5-Year Yield-on-Cost % is 3.90 as of Jul. 05, 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 $297.06 is trading 2.1% below its estimated GF Value™ of $303.29.
GuruFocus considers Primerica to be Fairly Valued.
Key valuation signals for PRI:
5-Year Yield-on-Cost %: 3.90 (30% above median its 10-year median of 3.00)
GF Value™: $303.29 vs. price of $297.06 (2.1% below fair value)
Industry Position: 2.3% below the Insurance median (#215 of 424)
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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