Primerica, Inc. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
PRI on NYSE
Location
Duluth, GA
Fiscal year end
31 December
Latest financial report
27 Feb 2026

Latest SEC snapshot (2026-01-31) highlights Return On Equity 31.9%, Return On Assets 5.1%, and Debt-to-equity 5.37x.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

54.2/100

Caution Confidence low

Return On Equity

32%

Metric score 100.0/100

Return On Assets

5.1%

Metric score 38.5/100

Financial Health

Debt to Equity
5.37x

Strengths

Return On Equity

Watchpoints

Return On Assets and Debt-to-equity

Key metrics snapshot

Return On Equity

32%

YoY: -4.1%

Industry median: 7.6% (n=27)

View history

Return On Assets

5.1%

YoY: +4.4%

Industry median: 0.43% (n=27)

View history

Debt-to-equity

5.37x

YoY: -9.2%

Industry median: 21.61x (n=31)

View history

Revenues YoY

6.6%

YoY:

Industry median: 4.3% (n=31)

View history

Profitability

Metric Latest value YoY change
Return On Equity 32% -4.1%
Return On Assets 5.1% +4.4%

Financial Health

Metric Latest value YoY change
Debt-to-equity 5.37x -9.2%

Growth

Metric Latest value YoY change
Revenues YoY 6.6%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 31,659,906 -4.8%
Common Stock, Shares, Outstanding 31,810,000 -4.7%
Common Stock, Value, Issued $318,000 -4.8%
Weighted Average Number of Shares Outstanding, Basic 32,632,000 -4.4%
Weighted Average Number of Shares Outstanding, Diluted 32,680,000 -4.4%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $974,564,000 +3.8%
Income Tax Expense (Benefit) $223,330,000 +1.9%
Earnings Per Share, Basic 22.95 +67%
Earnings Per Share, Diluted 22.91 +67%
Cash and Cash Equivalents, at Carrying Value $756,227,000 +9.9%
Deferred Income Tax Assets, Net $132,037,000 +7.6%
Property, Plant and Equipment, Net $39,771,000 -2.3%
Operating Lease, Right-of-Use Asset $41,900,000 -11%
Intangible Assets, Net (Excluding Goodwill) $45,275,000 0%
Assets $15,012,336,000 +3%
Deferred Income Tax Liabilities, Net $28,306,000 -51%
Liabilities $12,566,434,000 +2%
Retained Earnings (Accumulated Deficit) $2,416,149,000 +8.3%
Stockholders' Equity Attributable to Parent $2,445,902,000 +8.3%
Liabilities and Equity $15,012,336,000 +3%
Common Stock, Shares Authorized 500,000,000 0%
Common Stock, Shares, Issued 31,810,000 -4.7%
Common Stock, Par or Stated Value Per Share 0.01 0%
Deferred Tax Assets, Valuation Allowance $14,360,000 -28%
Deferred Tax Assets, Gross $676,818,000 +8.3%
Operating Lease, Liability $49,565,000 -11%
Lessee, Operating Lease, Liability, to be Paid $62,535,000 -12%
Property, Plant and Equipment, Gross $215,810,000 +8.6%
Lessee, Operating Lease, Liability, to be Paid, Year Two $7,298,000 -1.2%
Lessee, Operating Lease, Liability, to be Paid, Year One $7,408,000 +7.1%
Operating Lease, Weighted Average Discount Rate, Percent 0.049 0%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $12,970,000 -17%
Lessee, Operating Lease, Liability, to be Paid, Year Three $5,183,000 -39%
Deferred Tax Assets, Operating Loss Carryforwards $9,044,000 -78%
Unrecognized Tax Benefits $24,440,000 +17%
Lessee, Operating Lease, Liability, to be Paid, Year Four $4,584,000 -16%
Deferred Tax Assets, Net of Valuation Allowance $662,458,000 +9.5%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%