Primerica Stock Buy Hold or Sell Recommendation

PRI Stock  USD 284.54  1.71  0.60%   
Considering the 90-day investment horizon and complete risk avoidance on your part, our recommendation regarding Primerica is 'Strong Sell'. The recommendation algorithm takes into account all of Primerica's available fundamental, technical, and predictive indicators you will find on this site.
  
Check out Primerica Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
For more detail on how to invest in Primerica Stock please use our How to Invest in Primerica guide.
In addition, we conduct extensive research on individual companies such as Primerica and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Primerica. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

Execute Primerica Buy or Sell Advice

The Primerica recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Primerica. Macroaxis does not own or have any residual interests in Primerica or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Primerica's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell PrimericaBuy Primerica
Strong Sell

Market Performance

GoodDetails

Volatility

Very steadyDetails

Hype Condition

Low keyDetails

Current Valuation

Fairly ValuedDetails

Odds Of Distress

Very LowDetails

Economic Sensitivity

Almost mirrors the marketDetails

Investor Sentiment

AlarmedDetails

Analyst Consensus

BuyDetails

Financial Strenth (F Score)

HealthyDetails

Financial Leverage

Not RatedDetails

Reporting Quality (M-Score)

Possible ManipulatorDetails
For the selected time horizon Primerica has a Mean Deviation of 0.9435, Semi Deviation of 0.9292, Standard Deviation of 1.27, Variance of 1.62, Downside Variance of 1.19 and Semi Variance of 0.8634
Macroaxis provides advice on Primerica to complement and cross-verify current analyst consensus on Primerica. Our recommendation engine determines the firm's potential to grow exclusively from the perspective of an investor's current risk tolerance and investing horizon. To make sure Primerica is not overpriced, please check all Primerica fundamentals, including its debt to equity, market capitalization, and the relationship between the ebitda and earnings per share . Given that Primerica has a price to earning of 15.58 X, we recommend you to check out Primerica market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your recent risk tolerance and investing horizon.

Primerica Trading Alerts and Improvement Suggestions

Over 94.0% of the company shares are owned by institutional investors
Latest headline from finance.yahoo.com: Investing in Primerica five years ago would have delivered you a 132 percent gain

Primerica Returns Distribution Density

The distribution of Primerica's historical returns is an attempt to chart the uncertainty of Primerica's future price movements. The chart of the probability distribution of Primerica daily returns describes the distribution of returns around its average expected value. We use Primerica price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Primerica returns is essential to provide solid investment advice for Primerica.
Mean Return
0.18
Value At Risk
-1.31
Potential Upside
2.39
Standard Deviation
1.27
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Primerica historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

Primerica Stock Institutional Investors

Shares
Dimensional Fund Advisors, Inc.2024-09-30
617.2 K
Lyrical Asset Management Lp2024-09-30
602.3 K
Fiduciary Management, Inc. Of Milwaukee2024-09-30
482 K
Amvescap Plc.2024-09-30
419.3 K
Wells Fargo & Co2024-09-30
376.2 K
Bank Of New York Mellon Corp2024-09-30
340.5 K
Charles Schwab Investment Management Inc2024-09-30
332.5 K
Northern Trust Corp2024-09-30
300.1 K
Quantum Capital Management, Llc2024-09-30
264.3 K
Kayne Anderson Rudnick Investment Management Llc2024-09-30
3.6 M
Vanguard Group Inc2024-09-30
3.5 M
Note, although Primerica's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Primerica Cash Flow 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 Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Primerica or Insurance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Primerica's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Primerica stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over Dow Jones
0.04
β
Beta against Dow Jones1.14
σ
Overall volatility
1.27
Ir
Information ratio 0.04

Primerica Volatility Alert

Primerica has relatively low volatility with skewness of 0.81 and kurtosis of 3.03. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Primerica's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Primerica's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.

Primerica Fundamentals Vs Peers

Comparing Primerica's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Primerica's direct or indirect competition across all of the common fundamentals between Primerica and the related equities. This way, we can detect undervalued stocks with similar characteristics as Primerica or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Primerica's fundamental indicators could also be used in its relative valuation, which is a method of valuing Primerica by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Primerica to competition
FundamentalsPrimericaPeer Average
Return On Equity0.32-0.31
Return On Asset0.0423-0.14
Profit Margin0.15 %(1.27) %
Operating Margin0.35 %(5.51) %
Current Valuation10.95 B16.62 B
Shares Outstanding33.37 M571.82 M
Shares Owned By Insiders0.61 %10.09 %
Shares Owned By Institutions94.04 %39.21 %
Number Of Shares Shorted272.89 K4.71 M
Price To Earning15.58 X28.72 X
Price To Book4.85 X9.51 X
Price To Sales3.01 X11.42 X
Revenue2.82 B9.43 B
Gross Profit1.66 B27.38 B
EBITDA2.6 B3.9 B
Net Income576.6 M570.98 M
Cash And Equivalents489.24 M2.7 B
Cash Per Share11.01 X5.01 X
Total Debt2.04 B5.32 B
Debt To Equity1.21 %48.70 %
Current Ratio3.99 X2.16 X
Book Value Per Share58.10 X1.93 K
Cash Flow From Operations692.52 M971.22 M
Short Ratio2.04 X4.00 X
Earnings Per Share19.94 X3.12 X
Price To Earnings To Growth1.05 X4.89 X
Target Price311.5
Number Of Employees2.85 K18.84 K
Beta1.08-0.15
Market Capitalization9.44 B19.03 B
Total Asset15.03 B29.47 B
Retained Earnings2.28 B9.33 B
Annual Yield0.01 %
Note: Acquisition by Joel Babbit of tradable shares of Primerica at 249.66 subject to Rule 16b-3 [view details]

Primerica Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Primerica . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About Primerica Buy or Sell Advice

When is the right time to buy or sell Primerica? Buying financial instruments such as Primerica Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.

Use Investing Ideas to Build Portfolios

In addition to having Primerica in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

Did You Try This Idea?

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Hotels
Hotels Theme
Hotels, inns, motels, and other companies providing lodging and hospitality services. The Hotels theme has 44 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Hotels Theme or any other thematic opportunities.
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When determining whether Primerica offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Primerica's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Primerica Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Primerica Stock:
Check out Primerica Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
For more detail on how to invest in Primerica Stock please use our How to Invest in Primerica guide.
You can also try the Portfolio Anywhere module to track or share privately all of your investments from the convenience of any device.
Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Primerica. If investors know Primerica will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Primerica listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.143
Dividend Share
3.3
Earnings Share
19.94
Revenue Per Share
90.798
Quarterly Revenue Growth
0.107
The market value of Primerica is measured differently than its book value, which is the value of Primerica that is recorded on the company's balance sheet. Investors also form their own opinion of Primerica's value that differs from its market value or its book value, called intrinsic value, which is Primerica's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Primerica's market value can be influenced by many factors that don't directly affect Primerica's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Primerica's value and its price as these two are different measures arrived at by different means. Investors typically determine if Primerica is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Primerica's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.