Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Primerica (PRI)
NYSEFinancialsInsurance - LifeSnapshot 2026-11-04
$284.54+1.54%
Close 2026-11-04 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
27.17 → 27.21 EPS · FY ending Dec 31, 2027 · 6 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 6 to 6; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for PRI yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Increase earnings per share to at least $6.33 in FY 2025 | Earnings per share rose to $5.97 in Q1 2026 from $5.4 in Q2 2025. | Broken | EPS falls below $6.33 in FY 2025 | Diluted EPS: $6.45 per share FY2026-Q2; GAAP. Published target: >=6.33 USD per share. Annual target cannot be compared with a quarterly or TTM observation. Aug 6, 20266.45 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
PRI is a financial company with an intact long-term thesis and a recent signal that improved from mildly favorable to favorable. Management is on track with its stated priorities, though earnings quality and recent performance are rated neutral, so the evidence does not point to a clear-cut compounder.
PRI trades at a premium to peers, which the evidence describes as a durable premium, and its pricing is tagged as justified with low fragility. The expectations gap is slightly negative, but model confidence is low, so the market’s precise assumptions are uncertain.
In the near term, recent results include an earnings beat, while savings-product sales and client assets have grown and term life profitability has remained stable. Capital returns have also continued, but a past deep earnings miss and the industry’s high miss rate leave some risk; a guidance cut would be a meaningful setback.
Over the next few quarters, the thesis depends on continued growth in savings products and client assets, steady term life results, and management maintaining its execution. Near-term sector conditions also matter: rate cuts could weigh on financial companies, while strong results and guidance from sector peers could support momentum.
For the next 1 to 3 years, PRI’s long-term thesis looks intact, with consistent management priorities balanced against moderate risk and a premium valuation. The main swing factors are guidance, interest rates, and continued execution. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Net income improved to $190.1M in Q1 2026. |
| Intact |
| net income falls below $178M annually |
Net income: $202.278M FY2026-Q2; GAAP. Published target: net income >= $178M annually. Target period is not explicitly aligned with this observation. Aug 6, 2026202,278,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Sustain revenue growth near 6% or higher | A primary condition in Primerica's published investment case. The stated target is >=6% YoY revenue growth. | Intact | YoY revenue growth falls below 6% next year | Revenue growth: 9.04% FY2026-Q2; GAAP. Published target: >=6% YoY revenue growth. Reported actuals cannot certify a consensus target without an explicit period and accounting-basis binding. Aug 6, 20269.041967 percent · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Maintain PE ratio near or below 13x | A supporting condition in Primerica's published investment case. The stated target is PE <= 13. | Intact | PE ratio rises above 15 sustainably | P/E (TTM): 11.26x As of 2026-11-04; trailing twelve months. The target timing and basis require a separate assessment. Nov 4, 202611.26 ratio · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$26.77 → $27.21 · observed estimates
$3.70B → $3.73B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $26.77 | $3,701,966,667 | 6 / 4 |
| 2026-07-25 | $26.67 | $3,672,989,330 | 8 / 5 |
| 2026-07-26 | $26.73 | $3,679,911,670 | 8 / 4 |
| 2026-07-27 | $26.77 | $3,701,966,667 | 6 / 4 |
| 2026-07-28 | $26.73 | $3,679,911,670 | 8 / 4 |
| 2026-07-29 | $26.77 | $3,701,966,667 | 6 / 4 |
| 2026-07-30 | $26.77 | $3,701,966,667 | 6 / 4 |
| 2026-07-31 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-01 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-02 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-03 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-04 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-05 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-06 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-07 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-08 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-09 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-10 | $26.79 | $3,694,469,420 | 8 / 4 |
| 2026-08-12 | $26.92 | $3,697,544,420 | 8 / 4 |
| 2026-08-13 | $26.92 | $3,697,544,420 | 8 / 4 |
| 2026-08-14 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-15 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-16 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-17 | $26.82 | $3,701,966,667 | 6 / 3 |
| 2026-08-18 | $26.82 | $3,701,966,667 | 6 / 4 |
| 2026-08-19 | $26.82 | $3,701,966,667 | 6 / 4 |
| 2026-08-20 | $27.01 | $3,717,333,333 | 6 / 4 |
| 2026-08-21 | $27.01 | $3,717,333,333 | 6 / 4 |
| 2026-08-22 | $27.01 | $3,717,333,333 | 6 / 4 |
| 2026-08-23 | $27.05 | $3,717,333,333 | 6 / 4 |
| 2026-08-24 | $27.12 | $3,717,333,333 | 6 / 4 |
| 2026-08-25 | $27.12 | $3,717,333,333 | 6 / 4 |
| 2026-08-26 | $27.12 | $3,717,333,333 | 6 / 4 |
| 2026-08-27 | $27.12 | $3,717,333,333 | 6 / 4 |
| 2026-08-28 | $27.12 | $3,717,333,333 | 6 / 4 |
| 2026-08-29 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-08-30 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-08-31 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-01 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-02 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-03 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-04 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-05 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-06 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-07 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-08 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-09 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-10 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-11 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-12 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-13 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-14 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-15 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-16 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-17 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-18 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-19 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-20 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-21 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-22 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-23 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-24 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-25 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-26 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-27 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-28 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-29 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-09-30 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-01 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-02 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-03 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-04 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-05 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-06 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-07 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-08 | $27.17 | $3,728,666,667 | 6 / 4 |
| 2026-10-09 | $27.18 | $3,728,666,667 | 6 / 4 |
| 2026-10-10 | $27.18 | $3,728,666,667 | 6 / 4 |
| 2026-10-11 | $27.18 | $3,728,666,667 | 6 / 4 |
| 2026-10-12 | $27.18 | $3,728,666,667 | 6 / 4 |
| 2026-10-13 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-14 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-15 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-16 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-17 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-18 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-19 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-20 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-21 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-22 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-23 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-24 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-25 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-26 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-27 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-28 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-29 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-30 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-10-31 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-11-01 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-11-02 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-11-03 | $27.21 | $3,734,550,000 | 6 / 4 |
| 2026-11-04 | $27.21 | $3,734,550,000 | 6 / 4 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 2 Buy / Strong Buy · 6 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.