Primerica Financials

PRI Stock  USD 286.69  3.86  1.36%   
Based on the key measurements obtained from Primerica's financial statements, Primerica is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in January. As of now, Primerica's Cash And Short Term Investments are increasing as compared to previous years. The Primerica's current Net Receivables is estimated to increase to about 3.5 B, while Total Assets are projected to decrease to under 13.6 B. Key indicators impacting Primerica's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.2048
Fairly Down
Very volatile
Return On Assets0.02740.0384
Way Down
Pretty Stable
Return On Equity0.290.2791
Sufficiently Up
Slightly volatile
Debt Equity Ratio0.540.9585
Way Down
Slightly volatile
Operating Income1.9 B1.8 B
Sufficiently Up
Slightly volatile
Current Ratio72.1771.3361
Fairly Up
Slightly volatile
The essential information of the day-to-day investment outlook for Primerica includes many different criteria found on its balance sheet. An individual investor should monitor Primerica's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Primerica.

Cash And Equivalents

383.47 Million

  

Primerica Earnings Geography

Primerica Stock Summary

Primerica competes with CNO Financial, Aflac Incorporated, Prudential PLC, FG Annuities, and MetLife Preferred. Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia. Primerica operates under InsuranceLife classification in the United States and is traded on New York Stock Exchange. It employs 2891 people.
Specialization
Financial Services, Insurance - Life
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS74164M1080
CUSIP74164M108
LocationGeorgia; U.S.A
Business Address1 Primerica Parkway,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.primerica.com
Phone770 381 1000
CurrencyUSD - US Dollar

Primerica Key Financial Ratios

Primerica Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets13.7B14.9B16.1B15.3B15.0B13.6B
Other Current Liab(340.0M)(743.2M)(826.4M)(436.9M)(536.5M)(509.6M)
Other Liab9.5B10.2B10.6B10.4B11.9B7.4B
Net Debt1.4B1.2B1.6B1.6B1.4B1.5B
Retained Earnings1.6B1.7B2.0B2.0B2.3B1.3B
Accounts Payable340.0M519.7M585.4M538.3M513.8M337.0M
Cash256.9M547.6M392.5M489.2M613.1M354.2M
Other Assets2.9B3.3B3.4B12.0B2.3B2.2B
Net Receivables4.5B4.6B4.8B4.6B3.5B3.5B
Total Liab12.0B13.1B14.0B13.6B13.0B11.3B
Total Current Assets7.1B7.6B8.0B3.0B1.6B1.5B
Long Term Debt1.6B1.7B2.0B2.0B2.0B1.2B
Other Current Assets709.8M1.0B1.2B1.2B1.2B1.3B
Common Stock412K393K394K368K350K385.0K
Net Tangible Assets1.6B1.8B1.7B1.4B1.6B1.5B
Inventory(709.8M)(1.0B)(1.2B)(5.8B)(5.1B)(4.8B)
Long Term Debt Total1.6B1.7B2.0B2.0B2.3B1.3B

Primerica Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense28.8M28.8M30.6M27.2M26.6M26.7M
Total Revenue2.1B2.2B2.7B2.7B2.8B2.1B
Gross Profit1.8B2.0B2.4B2.4B2.5B1.9B
Operating Income421.6M445.7M438.0M526.0M1.8B1.9B
Ebit421.6M535.6M674.1M647.2M2.6B2.7B
Ebitda439.9M553.3M704.0M681.4M2.6B2.7B
Cost Of Revenue237.1M245.2M296.9M320.4M336.6M359.3M
Income Before Tax477.1M506.7M511.2M493.7M751.7M495.6M
Net Income366.4M386.2M373.4M373.0M576.6M347.4M
Income Tax Expense110.7M120.6M139.2M125.8M175.1M108.2M
Tax Provision110.7M120.6M139.2M125.8M142.6M119.7M
Interest Income28.8M28.8M30.6M27.2M65.7M36.7M
Net Interest Income(77.1M)(28.8M)(30.6M)(27.2M)(26.8M)(28.1M)

Primerica Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(5.3M)290.7M(155.1M)96.7M123.9M130.1M
Free Cash Flow460.1M615.8M632.3M731.9M658.6M459.0M
Depreciation18.3M17.7M29.8M34.2M32.0M17.7M
Other Non Cash Items219.3M256.8M326.5M440.4M(249.8M)(237.4M)
Dividends Paid57.6M64.3M74.6M83.8M(93.7M)(89.0M)
Capital Expenditures25.4M27.6M24.7M25.8M33.9M35.6M
Net Income366.4M386.2M372.0M368.0M576.6M347.0M
End Period Cash Flow256.9M547.6M392.5M489.2M613.1M354.2M
Change To Netincome(17.9M)51.0M61.5M(482.0M)(433.8M)(412.1M)
Investments(176.4M)(25.9M)(404.2M)(200.0M)(191.1M)(200.6M)
Change Receivables53.6M(24.8M)(132.5M)14.4M16.5M17.3M

Primerica Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Primerica's current stock value. Our valuation model uses many indicators to compare Primerica value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Primerica competition to find correlations between indicators driving Primerica's intrinsic value. More Info.
Primerica is considered to be number one stock in return on equity category among its peers. It also is considered to be number one stock in return on asset category among its peers reporting about  0.13  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Primerica is roughly  7.68 . As of now, Primerica's Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Primerica's earnings, one of the primary drivers of an investment's value.

Primerica's Earnings Breakdown by Geography

Primerica Systematic Risk

Primerica's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Primerica volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourty-two with a total number of output elements of nineteen. The Beta measures systematic risk based on how returns on Primerica correlated with the market. If Beta is less than 0 Primerica generally moves in the opposite direction as compared to the market. If Primerica Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Primerica is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Primerica is generally in the same direction as the market. If Beta > 1 Primerica moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Primerica Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Primerica's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Primerica growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.22

As of now, Primerica's Price Earnings To Growth Ratio is decreasing as compared to previous years.

Primerica December 12, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Primerica help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Primerica. We use our internally-developed statistical techniques to arrive at the intrinsic value of Primerica based on widely used predictive technical indicators. In general, we focus on analyzing Primerica Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Primerica's daily price indicators and compare them against related drivers.

Complementary Tools for Primerica Stock analysis

When running Primerica's price analysis, check to measure Primerica's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Primerica is operating at the current time. Most of Primerica's value examination focuses on studying past and present price action to predict the probability of Primerica's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Primerica's price. Additionally, you may evaluate how the addition of Primerica to your portfolios can decrease your overall portfolio volatility.
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