Primerica Inc (PRI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Primerica Inc stock (PRI) is currently trading at $251.89. Primerica Inc PE ratio is 10.95. Primerica Inc PS ratio (Price-to-Sales) is 2.37. Analyst consensus price target for PRI is $289.33. WallStSmart rates PRI as Buy.
- PRI PE ratio analysis and historical PE chart
- PRI PS ratio (Price-to-Sales) history and trend
- PRI intrinsic value — DCF, Graham Number, EPV models
- PRI stock price prediction 2025 2026 2027 2028 2029 2030
- PRI fair value vs current price
- PRI insider transactions and insider buying
- Is PRI undervalued or overvalued?
- Primerica Inc financial analysis — revenue, earnings, cash flow
- PRI Piotroski F-Score and Altman Z-Score
- PRI analyst price target and Smart Rating
Primerica Inc
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PRI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Primerica Inc (PRI)
PRI trades at a significant discount to its Graham intrinsic value of $1017.20, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Primerica Inc (PRI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, operating margin. Overall metrics suggest strong investment potential with favorable risk/reward.
Primerica Inc (PRI) Key Strengths (7)
Every $100 of shareholder equity generates $32 in profit
Keeps $31 of every $100 in revenue after operating costs
Keeps $22 of every $100 in revenue as net profit
95.72% of shares held by major funds and institutions
Good growth relative to its price
Strong earnings growth at 23.50% per year
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Primerica Inc (PRI) Areas to Watch (3)
Premium pricing at 3.2x book value
Modest revenue growth at 8.00%
Revenue is fairly priced at 2.37x sales
Primerica Inc (PRI) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (1.07) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 31.90%, Operating Margin at 30.80%, Profit Margin at 22.40%. Growth metrics are encouraging with EPS Growth at 23.50%.
The Bear Case
The primary concerns are Price/Book, Revenue Growth, Price/Sales. Some valuation metrics including Price/Sales (2.37), Price/Book (3.23) suggest expensive pricing. Growth concerns include Revenue Growth at 8.00%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 31.90% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 8.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Return on Equity and Operating Margin makes a compelling case at current levels. The key risk is Price/Book, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PRI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PRI's Price-to-Sales ratio of 2.37x trades at a 44% premium to its historical average of 1.65x (82th percentile). The current valuation is 32% below its historical high of 3.5x set in Nov 2024, and 691% above its historical low of 0.3x in Sep 2010. Over the past 12 months, the PS ratio has compressed from ~2.9x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Primerica Inc (PRI) · FINANCIAL SERVICES › INSURANCE - LIFE
The Big Picture
Primerica Inc is a mature, profitable business with steady cash generation. Revenue reached 3.3B with 8% growth year-over-year. Profit margins are strong at 22.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 3190.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 22.4% and operating margin of 30.8% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Sector dynamics: monitor INSURANCE - LIFE industry trends, competitive moves, and regulatory changes that could impact Primerica Inc.
Bottom Line
Primerica Inc is a well-established business delivering consistent profitability with 22.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Primerica Inc(PRI)
NYSE
FINANCIAL SERVICES
INSURANCE - LIFE
USA
Primerica, Inc., offers financial products to middle-income households in the United States and Canada. The company is headquartered in Duluth, Georgia.