Bull Rankings model

Primerica, Inc. (PRI) stock analysis

Insurance - Life. Scored on the same transparent model behind the daily rankings.

★
PRI
Primerica, Inc. · Insurance - Life
65.1Financial strength
$277.37Oct 13 close$8.5B
1Y Target$323.67Analyst consensus · 6 analysts
5Y Target$408.62Compound horizon
10Y Target$524.05Long-dated conviction
Rev+6.6%
C+
Revenue +6.6% — steady but below market-beating range
P/E11.1x
B+
P/E 11.1 — below the Financial Services median (≈40th pctile)
ROE33.0%
A
ROE 33.0% — world-class capital efficiency
P/B3.39
C
P/B 3.39 — expensive; pricing in strong ROE
Yield1.7%
C+
Yield 1.7% — small income component

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 65.1 / 100
Profitability100.0
Value (P/B)23.8
Income51.8

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
15% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Life · market cap $8.5b. 15% off the 52-week high of $327.28. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $323.67 (implying +17% upside).
Moat
Net margin 23% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 33% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $323.67 (6-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $408.62 at ~8% CAGR — dividend + buyback compounding. 10 yr $524.05 if the moat survives secular pressure.

Not enough history yet — the model records PRI's score after each daily run, and the chart appears once a few days have accumulated.

PRI at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY100VALUE24COVERED INCOME5265.1/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$277LOW $230HIGH $327Trading at the 49th percentile of its 52-week range ($230–$327).
ONE-YEAR MOVE VS ITS BETAFLATThis stock+3%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.1%
90-day change+1.9%
Forward EPS estimate$27.18

Over the last 90 days, what analysts expect PRI to earn is drifting higher (+1.9%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
7
Position size
$1,942
3.9% of portfolio
Stop price
$208.03
25% below $277.37
$ at risk if stopped
$485.40
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Primerica, Inc. (PRI): score, valuation & FAQ

Primerica, Inc. (PRI) is an Insurance - Life company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are ROE (A) and P/E (B+).

Is PRI a good stock to buy?

Bull Rankings grades PRI on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by ROE (A) and P/E (B+). A score is a quantitative screen of Primerica, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade PRI?

As a bank, insurer or REIT, PRI isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on ROE (A) and P/E (B+).

Is PRI overvalued or undervalued?

We don't publish a discounted-cash-flow value for PRI, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. PRI is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in PRI?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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