Primerica, Inc.(PRI)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Primerica, Inc. (PRI) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores PRI at 67.0/100 on a 32-signal composite quality model, placing it at rank #384 of 2,960 stocks — the top 25% of the AI-ranked universe. PRI scores in the top quartile across profitability (84.1), free cash flow (79.9). Areas of concern include institutional flow (29.6), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Primerica, Inc. reports quarterly revenue of $865.1M, net income of $202.3M, an operating margin of 29.8%. Top institutional holders of PRI by reported 13-F value include BlackRock, FMR, KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT, based on the most recent SEC filings. PRI trades on the NYSE exchange and files with the SEC under CIK 1475922. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PRI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Primerica, Inc. directly from SEC EDGAR.
AI Quality Score
67.0/100
AI Rank
#384
Revenue
$865.1M
Net Income
$202.3M
Operating Margin
29.8%
PRI key financials by period
Primerica, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$3.3B
—
29.6%
FY 2024
10-K
$3.1B
$470.5M
30.4%
FY 2023
10-K
$2.7B
$576.6M
28.1%
FY 2022
10-K
$2.7B
$472.1M
27.0%
FY 2021
10-K
$2.7B
$477.4M
23.8%
FY 2020
10-K
$2.2B
$386.2M
22.9%
Institutions holding PRI
Institutional investors reporting a position in Primerica, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Total revenues rose 9% to $865.1M as Investment and Savings Products revenue jumped 21% to $360.5M on record client asset values of $140.0B, while Term Life revenue was roughly flat at $443.6M.
Biggest Revenue Drivers
Term Life Insurance segment$443.6Mflat YoY
Direct premiums up 1% on the layering effect of new policy sales, partially offset by higher ceded premiums
Investment and Savings Products segment$360.5M+21% YoY
Higher asset-based and sales-based revenues on increased average client assets and a higher mix of managed accounts
Biggest Revenue Drivers
Total revenue: $865.1M+9% YoY
Term Life Insurance segment$443.6Mflat YoY
Direct premiums up 1% on the layering effect of new policy sales, partially offset by higher ceded premiums
Investment and Savings Products segment$360.5M+21% YoY
Higher asset-based and sales-based revenues on increased average client assets and a higher mix of managed accounts
Within Investment and Savings Products segment
Asset-based revenues$197.6M+28% YoY
Average client asset values rose 19% to $135.6B plus a higher mix of managed accounts and Canadian mutual funds
Sales-based revenues$135.5M+17% YoY
Strong growth in product sales for U.S. retail mutual funds and variable annuities
Corporate and Other Distributed Products segment$60.9M+15% YoY
Investment gains versus prior-year losses and net investment income growth from a larger invested asset portfolio
Largest Expense Items
Sales commissions$201.9M+21% YoY
Asset-based and sales-based commissions rose largely in line with the related ISP revenue increases
Benefits and claims$147.3M-3% YoY
Higher YRT ceded premiums mean higher ceded future policy benefit reserves, offsetting net benefits recognized
Other operating expenses$94.7M+6% YoY
Higher variable growth-related costs, professional fees and employee compensation
Amortization of DAC$85.1M+6% YoY
Growth in the in-force book of business versus the prior year period
Margins: Pre-tax income rose 10% to $258.2M as total benefits and expenses grew 9%, matching revenue growth. ISP pre-tax income climbed 31% while Term Life pre-tax income fell 4% on higher DAC amortization and insurance expenses.
Watch Items from the Filing
Term life sales are shrinking: new policies issued fell to 78,904 from 89,850, life-licensed representatives fell to 148,612 from 151,524, and lapse rates remain above long-term historical levels.
Reinsurance concentration: 85% of life insurance in-force is ceded, with $1.9B of $2.45B reinsurance recoverables owed by Swiss Re Life & Health America under the IPO coinsurance transactions.
Investment portfolio carries $166.0M of gross unrealized losses on AFS fixed maturities, with $153.3M in positions underwater 12 months or longer as rates rose in the first half of 2026.
New $110.0M tax equity solar investment drove the effective tax rate to 21.7% from 23.9%; $88.0M funding commitment remains outstanding, expected to be fulfilled by early 2027.
Capital return continues: $270.2M of stock repurchased through June 30, 2026 with $204.8M remaining under the $475.0M program; share count fell to 30.9M from 31.8M.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
