Primerica

PRI

Insurance - Life · Financial Services

Price

$295.82

-2.04 (-0.68%)

Market Cap

$9.22B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Exceptional

Cash Flow

Exceptional

Stability

Good

Valuation

Good

Dividends

Good

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Share count falling — buybacks

−17.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 39.7M (2021) → 32.7M (2025)

Winston Score History

The full picture

Primerica sells life insurance and financial products to middle-income families across the United States and Canada. Its main products are term life insurance policies, along with investment and savings plans like mutual funds and annuities. The company is one of the largest issuers of term life insurance in North America by number of policies in force.

Primerica makes money by collecting premiums on insurance policies and earning fees on the investment products it distributes. It uses a large network of independent sales representatives — over 130,000 licensed agents — who recruit and sell within their own communities, which keeps distribution costs low and creates a wide reach without a traditional salesforce. The agent recruitment model is both its biggest competitive advantage and its key risk, since growth depends heavily on continuously attracting and retaining productive representatives in a competitive labor market.

Politician Trades

3 trades / 12mo

2 Congressional buys and 1 sell on PRI in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.1% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+19.4% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$4.1B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Primerica is growing revenue at 9% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

0.0%

Thin — 0.0% gross margin

Profit after running costs

Operating Margin

0.0%

Thin — 0.0% operating margin

Return on the money invested

ROCE

30.4%

Exceptional — 30.4% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

+7.6%

Steady sales growth (+7.6% YoY)

Profit growth

EPS YoY

+23.0%

Earnings growing fast (+23.0% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

108%

Turns 108% of profit into real cash

Spare cash per sale

FCF Margin

24.3%

Converts sales into free cash efficiently (24.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

20.15x

Comfortably covers interest (20.1x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

11.9x

Attractive valuation — P/E 11.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+0.4

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

1.49%

Small dividend — 1.49% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+15.4%

Dividend growing fast (15.4% YoY)

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