Reading PRI? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track PRI free→Reading PRI? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track PRI free→NYSEFinancialsInsurance - LifeSnapshot 2026-06-12
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
Recent financial performance is neutral, and earnings quality is also neutral. Management's recent track record has been fairly steady, but the capital stance is capital unfriendly. Risk is low, while the sector backdrop is a headwind, with PRI trading above typical compared to sector peers. Peer multiples imply a price roughly in line with where it trades (about fair); the read is fair. The outlook hinges on guidance changes and sector trends, particularly how bellwethers perform. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 7 valuation methods, at three horizons. Current price $282.01. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $282 PRI trades at 12× p/e, below its 13× p/e peer median. Our $282 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 0% near-term growth, in line with our forecast of about 5%. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 1.11x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $5.96 → $5.93 (-0.4% / 30d). 2 raised, 3 cut, 7 covering analysts.
0 upgrades, 0 downgrades / 30d, 1 maintained. 38% of analysts rate Buy.
1 PT revisions / 30d. Avg target 3.9% above current price.
1 positive, 1 negative / 30d. See F4 management tile for the event list.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$105.
How much price usually moves either way.
On a bad day, this stock has moved -$225.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,327.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-12
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: EPS growth supports management's priority to increase earnings. Strong growth signals success.
Confirms:EPS growth reported above 5% in the next earnings release.
Disproves:EPS growth reported below 5% in the next earnings release.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for PRI yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Entry into a Material Definitive Agreement. The information included pursuant to
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Roughly priced in line with peers.
Cheaper than its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Life & Health Insurance.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
PRI Primerica | Above typical Show detailsSector percentile: 95 of 100 | fair | low |
AFL Aflac | Below typical Show detailsSector percentile: 22 of 100 | full | moderate |
MET MetLife | Above typical Show detailsSector percentile: 85 of 100 | inexpensive | moderate |
PRU Prudential Financial | Above typical Show detailsSector percentile: 92 of 100 | inexpensive | low |
PFG Principal Financial Group | Typical Show detailsSector percentile: 59 of 100 | fair | low |
2 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated neutral grew net income 57% of the time over the next year (vs 55% for the rest of the cohort, n=5004).
Not investment advice. As of 2026-06-12.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-12.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on increasing earnings per share through operational efficiency and growth.
Drive revenue growth through strategic initiatives and market expansion.
Enhance net income through improved operational performance and cost management.
Why it matters: Changes in credit terms can impact financial flexibility. Stricter terms may limit growth.
Confirms:There are no changes to the credit facility. Conditions remain the same.
Disproves:Tighter terms or higher costs linked to the credit facility.
Why it matters: Revenue growth is a key driver for Primerica. A drop below 10% signals trouble.
Confirms:Revenue growth reported below 10% year over year in the next earnings report.
Disproves:Revenue growth remains above 10% year over year.
Why it matters: Successful M&A can boost growth and market position. Delays may signal issues.
Confirms:Look for news about successful integration or benefits from recent M&A.
Disproves:No updates or delays in the M&A process.
Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant. Our amended and restated $200 million five-year unsecured revolving credit facility (the “Credit Facility”) that was entered into on June 22, 2021 (originally entered into on December 19, 2017 and subsequently amended) was scheduled to expire on June 22, 2026. On June 2, 2026, we amended and restated the Credit Facility (“Second Amended Credit Facility”) with a syndicate of comme…
Results of Operations and Financial Condition. On May 6, 2026, Primerica, Inc. (the “Company”) announced its results of operations for the quarter ended March 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1. The information provided pursuant to this Item 2.02, including Exhibit 99.1 in Item 9.01, is “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject…