Primerica (PRI)
NYSEFinancialsInsurance - LifeSnapshot 2026-09-04
$295.62-0.74%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-09-04
QuarterlyIQ Insights · PRI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 4.5% |
| Our one-year growth estimate | diamond | 6.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 2.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 13 industry peers · Company calendar date is not available
PRI — capital allocation — Creation of a Direct Financial Obligation or an Obligation Under an Off-Balan…
Dated 2026-06-02
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…
Why it matters: The size of the sales team affects how well the company sells insurance and financial products.
Watch forThe life-licensed sales team grows to over 150,000 by Q3.
Also watch forThe sales team drops below 145,000, showing problems with hiring.
Why it matters: Sustained ISP sales growth shows strong demand for Primerica's products. It reflects the company's ability to attract and retain clients.
Supportive ifISP sales growth in Q2 2026 is above 20% year over year.
Worry ifISP sales growth in Q2 2026 is below 20% year over year.
Why it matters: New buyback plans show that management believes in the company's worth and future.
Supportive ifA new share buyback program was announced for over $135 million.
Worry ifThere are no new buyback announcements or plans to cut buybacks.
Why it matters: Changes in how capital is used can impact returns and growth. Investors need to watch for these changes.
Watch forA new share buyback program is announced. It will be over $200 million.
Also watch forA new plan is announced that cuts share buybacks or dividends.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$100 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $239 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,327 loss on $10,000 · 13.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop in this area could show problems with making money and keeping clients.
Worry ifTerm Life Insurance revenues drop below $444 million in Q3.
Less concerning ifTerm Life revenues increase above $460 million in Q3.
Why it matters: Continued EPS growth reflects strong financial health and can boost investor confidence.
Supportive ifQ3 adjusted operating EPS is more than $6.45.
Worry ifQ3 adjusted operating EPS is less than $6.00.
Why it matters: Changes in credit terms can impact financial flexibility. Stricter terms may limit growth.
Worry ifThere are no changes to the credit facility. Conditions remain the same.
Less concerning ifTighter terms or higher costs linked to the credit facility.
Why it matters: Dividends show the company's financial health. They also show a commitment to giving value to shareholders.
Supportive ifCompany declares a dividend of $1.20 per share in Q3.
Worry ifCompany does not declare a dividend or reduces the amount.
Why it matters: Strong sales growth in this segment is key for Primerica's overall performance. It shows demand for their offerings.
Supportive ifQ3 ISP sales increase above $4.4 billion, continuing the growth trend.
Worry ifQ3 ISP sales fall below $4.0 billion, indicating a slowdown.
Why it matters: Revenue growth is a key driver for Primerica. A drop below 10% signals trouble.
Worry ifRevenue growth reported below 10% year over year in the next earnings report.
Less concerning ifRevenue growth remains above 10% year over year.
Why it matters: Successful M&A can boost growth and market position. Delays may signal issues.
Supportive ifLook for news about successful integration or benefits from recent M&A.
Worry ifNo updates or delays in the M&A process.