Primerica (PRI)
NYSEFinancialsInsurance - LifeSnapshot 2026-11-04
$284.54+1.54%
Close 2026-11-04 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-11-04
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 | 0.7% |
| Our one-year growth estimate | diamond | 7.6% |
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.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
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 6.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 6 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: Market gains lifted client assets, while new client money also added growth. Positive inflows would show that clients keep adding funds.
Supportive ifQ3 ISP net inflows are above $0, following $397 million in Q2.
Worry ifQ3 ISP net flows are below $0.
Why it matters: Primerica has repurchased $270 million of stock in the first half. The next report can show whether buybacks continue under the $475 million plan.
Watch forThe November 4 report shows Q3 repurchases and dividends. Total 2026 buybacks are moving closer to the $475 million plan.
Also watch forThe report shows no Q3 repurchases, or says the $475 million plan has been cut or paused.
Why it matters: The term life insurance expense ratio rose to 8.4% in Q2 from 7.6% a year earlier. Further increases could weigh on profit.
Worry ifThe Q3 insurance expense ratio rises above 8.4%, while term life pre-tax income falls year over year.
Less concerning ifThe ratio is 8.4% or lower and term life pre-tax income grows year over year.
Why it matters: ISP sales rose 22% in Q1 and 23% in Q2. Another strong quarter would support the growth trend.
Supportive ifQ3 ISP product sales exceed $4.3 billion and rise year over year.
Worry ifQ3 ISP product sales fall below $4.3 billion or decline year over year.
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 | ±$85 on $10,000 · ±0.9% | 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 | $1,655 loss on $10,000 · 16.6% | 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: Policies issued fell 12% in Q2, after a 14% drop in Q1. Another decline would add pressure to term life growth.
Worry ifQ3 policies issued fall more than 12% year over year, or face amount issued falls more than 8%.
Less concerning ifPolicies issued decline by less than 12% year over year, or turn positive.