Is Primerica Stock a Good Investment?

Primerica Investment Advice

PRI

To provide specific investment advice or recommendations on Primerica stock, we recommend investors consider the following general factors when evaluating Primerica. This will help you to make an informed decision on whether to include Primerica in one of your diversified portfolios:

Examine Primerica's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
Research Primerica's leadership team and their track record. Good management can help Primerica navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
Consider the overall health of the Life & Health Insurance space and any emerging trends that could impact Primerica's business and its evolving consumer preferences.
Compare Primerica's performance and market position to its competitors. Analyze how Primerica is positioned in terms of product offerings, innovation, and market share.
Check if Primerica pays a dividend and its dividend yield and payout ratio.
Review what financial analysts are saying about Primerica's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.

It's important to note that investing in Primerica stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Primerica is a good investment.

Sell

Buy

Strong Hold

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.

Market Performance	Solid	Details
Volatility	Very steady	Details
Hype Condition	Low key	Details
Current Valuation	Fairly Valued	Details
Odds Of Distress	Very Low	Details
Economic Sensitivity	Follows the market closely	Details
Investor Sentiment	Impartial	Details
Analyst Consensus	Buy	Details
Financial Strenth (F Score)	Healthy	Details
Financial Leverage	Not Rated	Details
Reporting Quality (M-Score)	Possible Manipulator	Details

Examine Primerica Stock

Researching Primerica's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 95.0% of the company shares are owned by institutional investors. The book value of Primerica was at this time reported as 62.42. The company has Price/Earnings To Growth (PEG) ratio of 1.05. Primerica recorded earning per share (EPS) of 12.5. The entity last dividend was issued on the 21st of August 2024.

To determine if Primerica is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Primerica's research are outlined below:

	Over 95.0% of the company shares are owned by institutional investors
	On 12th of September 2024 Primerica paid $ 0.9 per share dividend to its current shareholders
	Latest headline from businesswire.com: Primerica Household Budget Index - Purchasing Power for Middle-Income Families Increased Over Previous Month

Primerica Quarterly Cash And Short Term Investments

1.59 Billion

Primerica uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Primerica. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Primerica's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.

	22nd of February 2024 Upcoming Quarterly Report	View
	13th of May 2024 Next Financial Report	View
	31st of December 2023 Next Fiscal Quarter End	View
	22nd of February 2024 Next Fiscal Year End	View
	30th of September 2023 Last Quarter Report	View
	31st of December 2022 Last Financial Announcement	View

Earnings surprises can significantly impact Primerica's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Primerica's investors have experienced.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
2010-11-02	2010-09-30	0.49	0.54	0.05	10
2011-05-03	2011-03-31	0.57	0.63	0.06	10
2011-02-08	2010-12-31	0.53	0.59	0.06	11
2010-08-03	2010-06-30	0.37	0.49	0.12	32
2016-08-08	2016-06-30	1.06	1.19	0.13	12
2018-02-07	2017-12-31	1.43	1.6	0.17	11
2021-08-05	2021-06-30	2.92	3.25	0.33	11
2020-08-05	2020-06-30	2.08	2.44	0.36	17

Know Primerica's Top Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Primerica is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Primerica backward and forwards among themselves. Primerica's institutional investor refers to the entity that pools money to purchase Primerica's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.

		Shares
Lyrical Asset Management Lp	2024-06-30	642.5 K
Dimensional Fund Advisors, Inc.	2024-06-30	637.8 K
Amvescap Plc.	2024-06-30	589.4 K
Fiduciary Management, Inc. Of Milwaukee	2024-06-30	482.6 K
Wells Fargo & Co	2024-06-30	388.9 K
Bank Of New York Mellon Corp	2024-06-30	372.6 K
Charles Schwab Investment Management Inc	2024-06-30	334.9 K
Northern Trust Corp	2024-06-30	280.4 K
T. Rowe Price Associates, Inc.	2024-06-30	264.9 K
Kayne Anderson Rudnick Investment Management Llc	2024-06-30	3.6 M
Vanguard Group Inc	2024-06-30	3.6 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's market capitalization trends

The company currently falls under 'Mid-Cap' category with a total capitalization of 9.07 B.

Market Cap

2.23 Billion

Primerica's profitablity analysis

	Last Reported	Projected for Next Year
Return On Tangible Assets	0.05	0.05
Return On Capital Employed	0.12	0.12
Return On Assets	0.05	0.05
Return On Equity	0.28	0.29

The company has Net Profit Margin of 0.15 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.35 %, which entails that for every 100 dollars of revenue, it generated $0.35 of operating income.

Determining Primerica's profitability involves analyzing its financial statements and using various financial metrics to determine if Primerica is a good buy. For example, gross profit margin measures Primerica's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Primerica's profitability and make more informed investment decisions.

Primerica's Earnings Breakdown by Geography

Evaluate Primerica's management efficiency

Primerica has Return on Asset of 0.0395 % which means that on every $100 spent on assets, it made $0.0395 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.2142 %, implying that it generated $0.2142 on every 100 dollars invested. Primerica's management efficiency ratios could be used to measure how well Primerica manages its routine affairs as well as how well it operates its assets and liabilities. The Primerica's current Return On Tangible Assets is estimated to increase to 0.05. The Primerica's current Return On Capital Employed is estimated to increase to 0.12. As of now, Primerica's Other Current Assets are increasing as compared to previous years. The Primerica's current Return On Tangible Assets is estimated to increase to 0.05, while Other Assets are projected to decrease to under 7.4 B.

	Last Reported	Projected for Next Year
Book Value Per Share	57.46	30.35
Tangible Book Value Per Share	49.04	38.86
Enterprise Value Over EBITDA	276.14	289.94
Price Book Value Ratio	3.58	3.76
Enterprise Value Multiple	276.14	289.94
Price Fair Value	3.58	3.76
Enterprise Value	3.5 B	2.2 B

The analysis of Primerica's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Primerica's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Primerica Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.

Dividend Yield

0.0134

Forward Dividend Yield

0.0134

Forward Dividend Rate

3.6

Beta

1.088

Basic technical analysis of Primerica Stock

As of the 4th of October, Primerica holds the Risk Adjusted Performance of 0.1534, semi deviation of 0.8582, and Coefficient Of Variation of 534.46. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Primerica, as well as the relationship between them.

Primerica's insider trading activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Primerica insiders, such as employees or executives, is commonly permitted as long as it does not rely on Primerica's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Primerica insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

		Joel Babbit over two weeks ago Acquisition by Joel Babbit of tradable shares of Primerica at 249.66 subject to Rule 16b-3
		Peter Schneider over three weeks ago Disposition of 388 shares by Peter Schneider of Primerica subject to Rule 16b-3
		Beatriz Perez over three months ago Acquisition by Beatriz Perez of 684 shares of Primerica at 219.21 subject to Rule 16b-3
		Glenn Williams over three months ago Disposition of 3000 shares by Glenn Williams of Primerica at 222.7568 subject to Rule 16b-3
		Joel Babbit over three months ago Acquisition by Joel Babbit of tradable shares of Primerica at 220.89 subject to Rule 16b-3
		Glenn Williams over three months ago Acquisition by Glenn Williams of 3204 shares of Primerica at 245.26 subject to Rule 16b-3
		Gregory Pitts over six months ago Disposition of 3759 shares by Gregory Pitts of Primerica at 245.4267 subject to Rule 16b-3
		Nicholas Jendusa over six months ago Disposition of 233 shares by Nicholas Jendusa of Primerica at 249.811 subject to Rule 16b-3
		Gregory Pitts over six months ago Disposition of 3759 shares by Gregory Pitts of Primerica at 245.4267 subject to Rule 16b-3
		Glenn Williams over six months ago Sale by Glenn Williams of 4000 shares of Primerica
		Barbara Yastine over a year ago Acquisition by Barbara Yastine of tradable shares of Primerica subject to Rule 16b-3
		Glenn Williams over a year ago Exercise or conversion by Glenn Williams of 16715 shares of Primerica subject to Rule 16b-3

Primerica's Outstanding Corporate Bonds

Primerica issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Primerica uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Primerica bonds can be classified according to their maturity, which is the date when Primerica has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

	PRI 28 19 NOV 31 Corp Bond US74164MAB46	View
	ADT Corp 4875 Corp Bond US74166NAA28	View
	PRIME SEC SVCS Corp Bond US74166MAC01	View
	PRIME SEC SVCS Corp Bond US74166MAF32	View
	Prime Security Services Corp Bond US74166MAE66	View
	US74168LAA44 Corp Bond US74168LAA44	View
	PRIME HEALTHCARE SVCS Corp Bond US74165HAB42	View

View All Primerica Corporate Bonds

Understand Primerica's technical and predictive indicators

Using predictive indicators to make investment decisions involves analyzing Primerica's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.

	Risk Adjusted Performance	0.1534
	Market Risk Adjusted Performance	0.2399
	Mean Deviation	0.7702
	Semi Deviation	0.8582
	Downside Deviation	1.15
	Coefficient Of Variation	534.46
	Standard Deviation	1.03
	Variance	1.06
	Information Ratio	0.0869
	Jensen Alpha	0.1087
	Total Risk Alpha	0.064
	Sortino Ratio	0.0776
	Treynor Ratio	0.2299
	Maximum Drawdown	5.31
	Value At Risk	(1.29)
	Potential Upside	2.05
	Downside Variance	1.33
	Semi Variance	0.7366
	Expected Short fall	(0.79)
	Skewness	(0.25)
	Kurtosis	0.7694

	Risk Adjusted Performance	0.1534
	Market Risk Adjusted Performance	0.2399
	Mean Deviation	0.7702
	Semi Deviation	0.8582
	Downside Deviation	1.15
	Coefficient Of Variation	534.46
	Standard Deviation	1.03
	Variance	1.06
	Information Ratio	0.0869
	Jensen Alpha	0.1087
	Total Risk Alpha	0.064
	Sortino Ratio	0.0776
	Treynor Ratio	0.2299
	Maximum Drawdown	5.31
	Value At Risk	(1.29)
	Potential Upside	2.05
	Downside Variance	1.33
	Semi Variance	0.7366
	Expected Short fall	(0.79)
	Skewness	(0.25)
	Kurtosis	0.7694

Consider Primerica's intraday indicators

Primerica intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Primerica stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

	Accumulation Distribution	1647.32
	Daily Balance Of Power	1.334071
	Rate Of Daily Change	1.02
	Day Median Price	272.26
	Day Typical Price	272.92
	Price Action Indicator	5.0
	Period Momentum Indicator	6.03

Primerica Corporate Filings

8K	24th of September 2024 Report filed with the SEC to announce major events that shareholders should know about	View Verify
F4	13th of September 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities	View Verify
10Q	8th of August 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations	View Verify
	27th of March 2024 Other Reports	View Verify

Primerica time-series forecasting models is one of many Primerica's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Primerica's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Primerica Stock media impact

Far too much social signal, news, headlines, and media speculation about Primerica that are available to investors today. That information is available publicly through Primerica media outlets and privately through word of mouth or via Primerica internal channels. However, regardless of the origin, that massive amount of Primerica data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.

A primary focus of Primerica news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Primerica relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Primerica's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Primerica alpha.

Primerica Sentiment by Major News Outlets

Investor sentiment, mood or attitude towards Primerica can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.

Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.

Primerica Historical Investor Sentiment

Investor biases related to Primerica's public news can be used to forecast risks associated with an investment in Primerica. The trend in average sentiment can be used to explain how an investor holding Primerica can time the market purely based on public headlines and social activities around Primerica. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

Primerica's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Primerica and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Primerica news discussions. The higher the estimate score, the more favorable the investor's outlook on Primerica.

Primerica Corporate Directors

Joel Babbit	Independent Director	Profile
Sanjeev Dheer	Independent Director	Profile
C Chambliss	Independent Director	Profile
Beatriz Perez	Independent Director	Profile

Additional Information and Resources on Investing in Primerica Stock

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: