PRI - Primerica, Inc.
Price:
--
--
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CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$291.00
DETAILS
HIGH:
$291.00
LOW:
$291.00
MEDIAN:
$291.00
CONSENSUS:
$291.00
UPSIDE:
4.02%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||
| Revenue | 3,226.1 | 3,089.1 | 2,748.5 | 2,657.5 | 2,709.7 | 2,217.5 | 2,052.5 | 1,899.8 | 1,689.1 | 1,519.1 | 1,405.3 | 1,340.0 | 1,267.5 | 1,190.7 | 1,103.1 | 1,361.9 | 2,220.4 | 2,196.9 | 2,390.3 |
| Cost of Revenue | 628.5 | 1,781.3 | 1,645.5 | 1,624.1 | 1,653.8 | 1,436.8 | 1,309.4 | 229.6 | 189.3 | 181.6 | 174.4 | 174.4 | 187.2 | 164.7 | 666.3 | 798.9 | 981.6 | 1,082.9 | 0 |
| Gross Profit | 2,597.6 | 1,307.9 | 1,103.0 | 1,033.4 | 1,055.9 | 780.8 | 743.1 | 1,670.2 | 1,499.8 | 1,337.5 | 1,231.0 | 1,165.7 | 1,080.2 | 1,026.0 | 436.8 | 563.0 | 1,238.8 | 1,114.1 | 2,390.3 |
| Operating Expenses | |||||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 950.4 | 0 | 0 | 0 | 0 | 0 | 0 | 503.5 | 445.3 | 405.2 | 397.9 | 382.6 | 336.1 | 295.5 | 210.6 | 199.8 | 197.1 | 272.0 | 1,019.5 |
| Other Expenses | 672.6 | 368.6 | 331.2 | 314.7 | 412.4 | 274.0 | 266.0 | (1,455.0) | (1,091.8) | (652.8) | (617.4) | 0 | (794.0) | (726.0) | (17.7) | 1.7 | 281.7 | 489.1 | 457.7 |
| Operating Expenses | 1,623.0 | 368.6 | 331.2 | 314.7 | 412.4 | 274.0 | 266.0 | (1,455.0) | (1,091.8) | 1,118.1 | 984.4 | 985.8 | (794.0) | (726.0) | 192.9 | 201.5 | 478.9 | 761.0 | 1,477.2 |
| Operating Income | |||||||||||||||||||
| Operating Income | 974.6 | 939.2 | 771.7 | 718.7 | 643.5 | 506.7 | 477.1 | 444.9 | 408.0 | 219.4 | 179.8 | 179.8 | 286.2 | 300.0 | 243.9 | 361.5 | 760.0 | 353.0 | 913.2 |
| Interest Expense | 24.0 | 25.0 | 26.6 | 27.2 | 30.6 | 28.8 | 28.8 | 28.8 | 28.5 | 28.7 | 33.5 | 34.6 | 35.0 | 33.1 | 28.0 | 20.9 | 0 | 0 | 0 |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profitability | |||||||||||||||||||
| EBITDA | 1,017.8 | 987.7 | 830.3 | 780.1 | 704.0 | 553.3 | 524.2 | 1,624.0 | 1,476.1 | 399.8 | 348.5 | 179.8 | 290.8 | 309.5 | 282.6 | 392.4 | 770.3 | 366.0 | 925.6 |
| EBIT | 998.5 | 964.3 | 798.3 | 745.9 | 674.1 | 535.6 | 505.9 | 1,611.6 | 1,462.5 | 385.2 | 337.5 | 310.3 | 280.0 | 300.0 | 271.9 | 382.3 | 760.0 | 353.0 | 913.2 |
| Income Before Tax | 974.6 | 939.2 | 771.7 | 718.7 | 643.5 | 506.7 | 477.1 | 416.1 | 379.5 | 337.6 | 291.0 | 275.7 | 251.2 | 266.9 | 243.9 | 361.5 | 760.0 | 353.0 | 913.2 |
| Income Tax Expense | 223.3 | 219.1 | 180.6 | 163.9 | 167.5 | 120.6 | 110.7 | 92.0 | 29.3 | 118.2 | 101.1 | 95.9 | 88.5 | 93.1 | 86.7 | 129.0 | 265.4 | 185.4 | 319.5 |
| Net Income | 751.2 | 470.5 | 576.6 | 472.1 | 477.4 | 386.2 | 366.4 | 324.1 | 350.3 | 219.4 | 189.9 | 181.4 | 162.7 | 173.8 | 157.2 | 232.5 | 494.6 | 167.7 | 593.6 |
| Per Share Data | |||||||||||||||||||
| EPS (Basic) | 22.95 | 13.73 | 15.97 | 12.37 | 9.44 | 9.60 | 8.65 | 7.39 | 7.63 | 4.59 | 3.70 | 3.29 | 2.87 | 2.77 | 2.11 | 3.09 | 6.59 | 2.24 | 7.92 |
| EPS (Diluted) | 22.91 | 13.71 | 15.94 | 12.33 | 9.42 | 9.57 | 8.62 | 7.37 | 7.61 | 4.59 | 3.70 | 3.29 | 2.83 | 2.71 | 2.08 | 3.06 | 6.59 | 2.24 | 7.92 |
| Shares Outstanding | 32.6 | 34.1 | 36.0 | 38.0 | 39.5 | 40.1 | 42.2 | 43.9 | 45.6 | 47.4 | 50.9 | 54.6 | 55.8 | 61.1 | 72.3 | 72.1 | 72.7 | 75 | 75 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||||
| Cash & Cash Equivalents | 756.2 | 687.8 | 613.1 | 489.2 | 392.5 | 547.6 | 256.9 | 262.1 | 280.0 | 212.0 | 625.3 | 302.4 |
| Short-Term Investments | 1,226.6 | 995.4 | 1,004.0 | 2,564.9 | 2,787.8 | 2,464.6 | 2,357.0 | 2,077.8 | 1,968.9 | 1,837.3 | 0 | 0 |
| Net Receivables | 2,915.5 | 3,026.8 | 3,288.4 | 3,663.9 | 4,757.8 | 4,592.2 | 4,397.9 | 0 | 0 | 0 | 1,038.4 | 998.8 |
| Inventory | 0 | 0 | (5,103.1) | 0 | 0 | 0 | 0 | (510.2) | (4,919.5) | (5,056.0) | 0 | 0 |
| Other Current Assets | 0 | 0 | 1,814.7 | (6,718.0) | (7,938.2) | (7,604.4) | (7,011.8) | 775.4 | 0 | 0 | 0 | 0 |
| Total Current Assets | 4,898.3 | 4,710.0 | 1,617.1 | 0 | 0 | 0 | 0 | 6,746.8 | 2,207.8 | 2,004.4 | 1,663.6 | 1,301.1 |
| Non-Current Assets | ||||||||||||
| Property, Plant & Equipment | 81.7 | 87.7 | 92.0 | 93.2 | 115.0 | 104.3 | 93.4 | 36.0 | 28.1 | 27.5 | 0 | 0 |
| Goodwill | 0 | 0 | 127.7 | 127.7 | 179.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 3,961.3 | 45.3 | 175.0 | 185.5 | 195.8 | 45.3 | 45.3 | 48.1 | 51.5 | 54.9 | 78.9 | 82.4 |
| Long-Term Investments | 3,309.5 | 4,280.2 | 4,154.8 | 4,048.9 | 4,233.8 | 3,865.3 | 3,625.3 | 970.4 | 737.1 | 2,347.9 | 6,444.5 | 5,327.2 |
| Other Non-Current Assets | 2,629.5 | 5,336.2 | 6,440.5 | (4,455.3) | (4,723.8) | (4,014.9) | (3,763.9) | 2,069.8 | (765.3) | (2,375.4) | (6,523.4) | (5,409.6) |
| Total Non-Current Assets | 10,114.0 | 9,872.0 | 11,106.5 | 0 | 0 | 0 | 0 | 3,183.6 | 100.1 | 92.3 | 6,523.4 | 5,409.6 |
| Total Assets | 15,012.3 | 14,582.0 | 15,027.7 | 14,641.4 | 16,123.2 | 14,905.3 | 13,688.5 | 12,595.0 | 12,460.7 | 11,438.9 | 13,227.8 | 11,161.1 |
| Current Liabilities | ||||||||||||
| Account Payables | 495.4 | 488.4 | 513.8 | 538.2 | 585.4 | 519.7 | 340.0 | 313.9 | 0 | 0 | 202.5 | 40.3 |
| Short-Term Debt | 0 | 7.2 | 5.7 | 0 | 15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 15.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 28.3 | (7.2) | (5.7) | (575.1) | (615.7) | (540.8) | (360.2) | (389.1) | (24.9) | (26.4) | (90.9) | (12.3) |
| Total Current Liabilities | 743.7 | 488.4 | 22.7 | 0 | 0 | 0 | 0 | 313.9 | 24.9 | 26.4 | 202.5 | 40.3 |
| Non-Current Liabilities | ||||||||||||
| Long-Term Debt | 1,770.4 | 1,898.1 | 1,980.3 | 2,037.4 | 1,970.7 | 1,720.2 | 1,557.8 | 1,343.3 | 1,109.7 | 875.4 | 0 | 0 |
| Deferred Tax Liabilities | 28.3 | 57.6 | 53.6 | 167.1 | 226 | 202.4 | 189.0 | 164.4 | 152.6 | 198.6 | 0 | 0 |
| Other Non-Current Liabilities | 9,974.4 | 9,823.5 | 10,807.5 | (2,250.5) | (2,250.6) | (1,975.4) | (1,800.2) | 9,625.8 | 9,754.5 | 9,117.2 | 0 | 0 |
| Total Non-Current Liabilities | 11,822.7 | 11,834.6 | 12,961.8 | 0 | 0 | 0 | 0 | 1,507.8 | 11,016.7 | 10,191.2 | 0 | 0 |
| Total Liabilities | 12,566.4 | 12,323.0 | 12,961.8 | 12,610.2 | 14,033.4 | 13,069.4 | 12,036.0 | 11,133.5 | 11,041.6 | 10,217.6 | 8,284.0 | 7,049.1 |
| Stockholders' Equity | ||||||||||||
| Common Stock | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 | 0 | 0 |
| Retained Earnings | 2,416.1 | 2,231.5 | 2,276.9 | 2,153.6 | 2,004.5 | 1,705.8 | 1,593.3 | 1,489.5 | 1,375.1 | 1,138.9 | 3,648.8 | 3,340.8 |
| Accumulated Other Comprehensive Income | 29.4 | 27.2 | (211.3) | (122.7) | 72.4 | 129.7 | 58.8 | (28.4) | 43.6 | 29.6 | 170.9 | (323.9) |
| Total Stockholders' Equity | 2,445.9 | 2,259.0 | 2,066.0 | 2,031.3 | 2,082.5 | 1,835.9 | 1,652.5 | 1,461.5 | 1,419.1 | 1,221.4 | 4,943.8 | 4,112.0 |
| Total Liabilities & Equity | 15,012.3 | 14,582.0 | 15,027.7 | 14,641.4 | 16,123.2 | 14,905.3 | 13,688.5 | 12,595.0 | 12,460.7 | 11,438.9 | 13,227.8 | 11,161.1 |
| Debt Metrics | ||||||||||||
| Total Debt | 1,820.0 | 1,953.5 | 2,041.7 | 2,083.4 | 2,039.6 | 1,773.0 | 1,611.3 | 1,343.3 | 1,109.7 | 875.4 | 0 | 0 |
| Net Debt | 1,063.8 | 1,265.7 | 1,428.5 | 1,594.1 | 1,647.1 | 1,225.4 | 1,354.4 | 1,081.2 | 829.7 | 663.4 | (625.3) | (302.4) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 748.8 | 470.5 | 576.6 | 467.0 | 476.0 | 386.2 | 366.4 | 324.1 | 350.3 | 219.4 |
| Depreciation & Amortization | 19.3 | 23.4 | 32.0 | 34.2 | 29.8 | 17.7 | 18.3 | 12.4 | 13.6 | 14.6 |
| Stock-Based Compensation | 0 | 25.1 | 18.9 | 22.4 | 16.8 | 19.0 | 17.5 | 17.3 | 15.3 | 13.4 |
| Change in Working Capital | 359.9 | 394.1 | 358.3 | 444.3 | 370.1 | 476.1 | 289.0 | 323.0 | 281.4 | 206.5 |
| Other Non-Cash Items | (221.1) | 59.6 | (249.8) | (157.4) | (238.6) | (255.9) | (204.8) | (201.2) | (215.1) | (203.8) |
| Operating Cash Flow | 906.8 | 862.1 | 692.5 | 757.7 | 657.0 | 643.4 | 485.5 | 478.1 | 388.5 | 292.2 |
| Investing Activities | ||||||||||
| Capital Expenditure | (26.1) | (29.2) | (33.9) | (25.8) | (24.7) | (27.6) | (25.4) | (13.5) | (6.8) | (13.7) |
| Acquisitions | 0 | 0 | 0 | 3.9 | (494.5) | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (690.4) | (664.4) | (432.5) | (678.1) | (1,081.1) | (525.4) | (634.0) | (635.5) | (427.1) | (389.1) |
| Sales/Maturities of Investments | 482.1 | 432.7 | 376.3 | 500.0 | 676.9 | 499.5 | 457.6 | 416.2 | 305.6 | 354.8 |
| Other Investing Activities | (1.2) | 28.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investing Cash Flow | (235.6) | (232.2) | (90.1) | (200.0) | (923.4) | (53.5) | (201.9) | (232.8) | (128.3) | (47.9) |
| Financing Activities | ||||||||||
| Net Debt Issuance | (0.3) | (0.3) | (0.3) | (12.6) | 213.3 | (0.3) | (0.3) | 0 | 0 | 0 |
| Stock Repurchased | (450.0) | (428.4) | (375.1) | (356.3) | (18.8) | (231.4) | (225.0) | (210.1) | (150.0) | (150.1) |
| Dividends Paid | (136.1) | (112.8) | (93.7) | (83.8) | (74.6) | (64.3) | (57.6) | (44.1) | (35.8) | (33.4) |
| Other Financing Activities | (9.4) | (9.6) | (10.6) | (5.1) | (12.0) | (5.7) | (7.2) | (6.7) | (7.6) | (1.7) |
| Financing Cash Flow | (595.7) | (551.1) | (479.6) | (457.9) | 108.0 | (301.8) | (290.1) | (261.0) | (193.5) | (185.1) |
| Cash Position | ||||||||||
| Net Change in Cash | 68.4 | 74.7 | 123.9 | 96.7 | (155.1) | 290.7 | (5.3) | (17.8) | 68.0 | 59.7 |
| Cash at Beginning | 687.8 | 613.1 | 489.2 | 392.5 | 547.6 | 256.9 | 262.1 | 280.0 | 212.0 | 152.3 |
| Cash at End | 756.2 | 687.8 | 613.1 | 489.2 | 392.5 | 547.6 | 256.9 | 262.1 | 280.0 | 212.0 |
| Free Cash Flow | 880.8 | 832.9 | 658.6 | 731.9 | 632.3 | 615.8 | 460.1 | 464.6 | 381.8 | 278.5 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||||
| Revenue | 3,226.1 | 3,089.1 | 2,748.5 | 2,657.5 | 2,709.7 | 2,217.5 | 2,052.5 | 1,899.8 | 1,689.1 | 1,519.1 | 1,405.3 | 1,340.0 | 1,267.5 | 1,190.7 | 1,103.1 | 1,361.9 | 2,220.4 | 2,196.9 | 2,390.3 |
| Gross Profit | 2,597.6 | 1,307.9 | 1,103.0 | 1,033.4 | 1,055.9 | 780.8 | 743.1 | 1,670.2 | 1,499.8 | 1,337.5 | 1,231.0 | 1,165.7 | 1,080.2 | 1,026.0 | 436.8 | 563.0 | 1,238.8 | 1,114.1 | 2,390.3 |
| Operating Income | 974.6 | 939.2 | 771.7 | 718.7 | 643.5 | 506.7 | 477.1 | 444.9 | 408.0 | 219.4 | 179.8 | 179.8 | 286.2 | 300.0 | 243.9 | 361.5 | 760.0 | 353.0 | 913.2 |
| Net Income | 751.2 | 470.5 | 576.6 | 472.1 | 477.4 | 386.2 | 366.4 | 324.1 | 350.3 | 219.4 | 189.9 | 181.4 | 162.7 | 173.8 | 157.2 | 232.5 | 494.6 | 167.7 | 593.6 |
| EPS (Diluted) | 22.91 | 13.71 | 15.94 | 12.33 | 9.42 | 9.57 | 8.62 | 7.37 | 7.61 | 4.59 | 3.70 | 3.29 | 2.83 | 2.71 | 2.08 | 3.06 | 6.59 | 2.24 | 7.92 |
| Balance Sheet | |||||||||||||||||||
| Cash & Equivalents | 756.2 | 687.8 | 613.1 | 489.2 | 392.5 | 547.6 | 256.9 | 262.1 | 280.0 | 212.0 | 625.3 | 302.4 | |||||||
| Total Assets | 15,012.3 | 14,582.0 | 15,027.7 | 14,641.4 | 16,123.2 | 14,905.3 | 13,688.5 | 12,595.0 | 12,460.7 | 11,438.9 | 13,227.8 | 11,161.1 | |||||||
| Total Debt | 1,820.0 | 1,953.5 | 2,041.7 | 2,083.4 | 2,039.6 | 1,773.0 | 1,611.3 | 1,343.3 | 1,109.7 | 875.4 | 0 | 0 | |||||||
| Stockholders' Equity | 2,445.9 | 2,259.0 | 2,066.0 | 2,031.3 | 2,082.5 | 1,835.9 | 1,652.5 | 1,461.5 | 1,419.1 | 1,221.4 | 4,943.8 | 4,112.0 | |||||||
| Cash Flow | |||||||||||||||||||
| Operating Cash Flow | 906.8 | 862.1 | 692.5 | 757.7 | 657.0 | 643.4 | 485.5 | 478.1 | 388.5 | 292.2 | |||||||||
| Capital Expenditure | (26.1) | (29.2) | (33.9) | (25.8) | (24.7) | (27.6) | (25.4) | (13.5) | (6.8) | (13.7) | |||||||||
| Free Cash Flow | 880.8 | 832.9 | 658.6 | 731.9 | 632.3 | 615.8 | 460.1 | 464.6 | 381.8 | 278.5 | |||||||||