Profitability
Weight: 25%
A+
100
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 37.3%
- Loss Ratio Trend -2.00 pp/yr
PRI
Primerica, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A+
99
- 5yr Avg ROE 25.1%
- 5yr Share-Count CAGR -4.1%
Growth Quality
Weight: 10%
A-
81
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 7.1%
- Loss Ratio Trend (growth quality check) -2.00 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B-
66
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 0.0%
- Loss Ratio Stability (σ) 0.13
Balance Sheet
Weight: 25%
A
91
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.73x
- Interest Coverage (EBIT/Int) 41.68x
Stability
Weight: 10%
C+
59
- EPS Volatility (σ/μ) 0.52
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 2 added; 2 trimmed.
- Holders
- 4 +1
- Avg Δ position
- -34.1%
- New buys
- 0
- Full exits
- 0
- Cooperman decreased -73%
- Dalio decreased -52%
- Greenblatt increased +22%