US · PRI
Primerica, Inc.
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Duluth, GA 30099
- Website
- primerica.com
Price · as of 2025-12-31
$276.96
Market cap 8.1B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $259.18 | -6.42% |
| Intrinsic Value(DCF) | $160.87 | -41.92% |
| Graham-Dodd Method(GD) | $190.06 | -31.38% |
| Graham Formula(GF) | $284.06 | +2.56% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $20.69 | $24.12 | $13.48 | $29.04 | $0.00 |
| 2012 | $27.09 | $32.97 | $8.87 | $31.50 | $44.93 |
| 2013 | $39.69 | $34.98 | $12.18 | $29.73 | $41.54 |
| 2014 | $44.31 | $38.78 | $7.83 | $32.15 | $45.47 |
| 2015 | $39.43 | $39.75 | $6.20 | $31.50 | $47.47 |
| 2016 | $72.53 | $58.76 | $8.02 | $38.34 | $73.04 |
| 2017 | $92.24 | $80.46 | $57.84 | $57.74 | $144.74 |
| 2018 | $109.03 | $118.32 | $1.58 | $55.18 | $147.74 |
| 2019 | $101.16 | $59.79 | $16.28 | $62.11 | $137.09 |
| 2020 | $142.55 | $87.13 | $106.41 | $69.92 | $152.12 |
| 2021 | $119.17 | $88.60 | $376.23 | $80.21 | $354.61 |
| 2022 | $161.44 | $116.68 | $107.45 | $79.14 | $77.24 |
| 2023 | $239.76 | $156.36 | $84.18 | $95.00 | $182.54 |
| 2024 | $276.47 | $167.16 | $58.49 | $85.51 | $275.50 |
| 2025 | $258.24 | $259.18 | $94.76 | $190.06 | $284.06 |
AI valuation
Our deep-learning model estimates Primerica, Inc.'s (PRI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $259.18
- Current price
- $276.96
- AI upside
- -6.42%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$160.87
-41.92% upside
Graham-Dodd
$190.06
-31.38% upside
Graham Formula
$284.06
+2.56% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PRI | Primerica, Inc. | $276.96 | 8.1B | -6% | -42% | -31% | +3% | 11.22 | 3.45 | 2.61 | 6.28 | 16.72 | 3.51 | 80.52% | 30.21% | 23.29% | 31.93% | 53.22% | 5.08% | 0.76 | 40.68 | — | — | 1.11 | 6710.00% | 443.00% | 820.00% | 10.69% | — | 63.84% | 0.00% | 0.00% | 1.81% | 6.44 | 6.96 | 1.95 | 1.38 |
| BPOP | Popular, Inc. | $135.36 | 9.03B | -48% | +66% | -47% | +21% | 10.59 | 1.16 | 1.55 | -20.08 | 76.56 | 1.39 | 60.67% | 19.01% | 14.66% | 11.42% | -3.43% | 0.85% | 0.23 | 0.57 | 0.38 | 0.38 | -6.41 | 1383.00% | 1148.00% | -361.00% | 7.09% | 0.01 | -2.58% | 2.77% | 29.40% | 6.06% | -21.59 | -37.29 | -4.11 | -0.43 |
| CFG | Citizens Financial Group,… | $60.19 | 25.85B | -7% | -14% | -46% | — | 14.39 | 1.00 | 2.36 | -4.36 | 52.54 | 1.46 | 69.75% | 20.88% | 16.42% | 7.24% | -19.29% | 0.83% | 0.43 | 0.61 | 1.04 | 1.04 | -0.54 | 2739.00% | -971.00% | 841.00% | 7.73% | 0.01 | -21.46% | 3.37% | 48.50% | 17.07% | -5.05 | -5.77 | -1.05 | 0.27 |
| GL | Globe Life Inc. | $145.26 | 11.56B | -4% | -15% | -4% | +16% | 10.19 | 1.98 | 1.97 | 8.79 | 57.38 | 2.16 | 33.40% | 24.38% | 19.36% | 20.59% | -193.46% | 3.88% | 0.44 | 10.36 | 4.03 | 4.03 | 1.56 | 1776.00% | 382.00% | -582.00% | 10.60% | 4.58 | -205.63% | 0.00% | 0.00% | 0.79% | 9.57 | 11.16 | 2.33 | 1.06 |
| LNC | Lincoln National Corporat… | $34.30 | 6.52B | +94% | -60% | +50% | +74% | 5.35 | 0.58 | 0.35 | 1.96 | — | 0.65 | 57.34% | 7.35% | 6.46% | 12.28% | -53.22% | 0.29% | 0.57 | 5.89 | — | — | -2.07 | -6828.00% | 124.00% | -9168.00% | -2.65% | — | 7.55% | 6.60% | 35.30% | 66.74% | 2.29 | -18.36 | 0.17 | 0.12 |
| MARA | Marathon Digital Holdings… | $8.94 | 3.38B | +252% | -50% | — | — | -714.27 | — | 3.70 | 4.34 | — | -30.78 | -47.73% | -90.64% | -144.58% | -0.23% | -25.38% | -0.07% | — | -16.99 | 0.00 | 0.00 | 0.00 | -31453.00% | 3820.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 62.03% | -4.08 | — | 3.70 | — |
| ONB | Old National Bancorp | $23.10 | 9.03B | +172% | +188% | -38% | +142% | 13.65 | 1.08 | 2.46 | 15.09 | 208.45 | 1.63 | 63.60% | 23.56% | 18.04% | 9.02% | 8.09% | 1.06% | 0.88 | 0.72 | 0.89 | 0.88 | 7.01 | 655.00% | 2548.00% | 767.00% | 6.98% | 0.01 | 7.42% | 2.46% | 33.60% | 3.25% | 16.88 | 23.16 | 3.98 | 0.07 |
| UMBF | UMB Financial Corporation | $115.88 | 8.8B | -15% | +12,140% | +6% | +489% | 12.72 | 1.16 | 2.01 | 11.11 | 816.59 | 1.66 | 54.41% | 20.25% | 15.81% | 12.59% | 216.32% | 1.14% | 0.49 | 0.60 | 0.01 | 0.01 | 2.69 | 156.00% | 6852.00% | -1165.00% | 1.99% | 0.00 | 53.19% | 0.00% | 0.00% | 0.00% | 13.09 | 66.30 | 2.65 | -0.80 |
| WAL | Western Alliance Bancorpo… | $80.32 | 8.84B | -40% | +57% | +4% | +45% | 9.07 | 1.16 | 1.68 | -7.07 | 39.23 | 1.27 | 61.10% | 22.88% | 18.37% | 13.60% | -40.11% | 1.12% | 0.87 | 0.66 | 0.56 | 0.56 | 2.52 | 2313.00% | 517.00% | -115.00% | -31.52% | -0.06 | 113.09% | 2.09% | 18.90% | 2.86% | -7.07 | 3.06 | -1.62 | 0.00 |
| WTFC | Wintrust Financial Corpor… | $144.06 | 9.65B | -37% | +5% | -17% | +23% | 11.92 | 1.35 | 2.32 | 6.30 | 98.35 | 1.54 | 62.19% | 26.44% | 19.48% | 12.11% | 24.04% | 1.21% | 0.62 | 0.74 | 0.14 | 0.14 | 3.33 | 1212.00% | 666.00% | 3421.00% | 8.68% | 0.02 | 24.88% | 1.72% | 20.60% | 5.92% | 6.80 | 8.91 | 1.80 | -0.41 |
| XP | XP Inc. | $21.53 | 11.35B | +45% | -49% | -35% | -98% | 11.85 | 2.60 | 3.36 | 11.49 | 65.43 | 2.95 | 67.36% | 32.42% | 27.79% | 23.72% | 11.88% | 1.39% | 0.89 | 9.65 | 0.56 | 0.56 | 1.70 | 1810.00% | -821.00% | 910.00% | 19.33% | 0.15 | 25.07% | 0.81% | 9.60% | 165.43% | 12.15 | 6.07 | 3.94 | 0.09 |
About Primerica, Inc.
Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings Products; Senior Health; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities. The Senior Health segment offers segregated funds; and medicare advantage and supplement products. The Corporate and Other Distributed Products segment provides mortgage loans; prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters; ID theft defense services; auto and homeowners' insurance; home automation solutions; and insurance products, including supplemental health, accidental death, and disability for small businesses. It distributes and sells its products through a network of 129,515 licensed sales representatives. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.
- CEO
- Glenn Jackson Williams
- Employees
- 2.29K
- Beta
- 0.91
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($160.87 ÷ $276.96) − 1 = -41.92% (DCF, example).