Primerica, Inc. (FRA:PI7)

Primerica Statistics

Total Valuation

Primerica has a market cap or net worth of EUR 7.04 billion. The enterprise value is 8.20 billion.

Market Cap	7.04B
Enterprise Value	8.20B

Important Dates

The next estimated earnings date is Wednesday, February 11, 2026.

Earnings Date	Feb 11, 2026
Ex-Dividend Date	Nov 21, 2025

Share Statistics

Current Share Class	31.92M
Shares Outstanding	n/a
Shares Change (YoY)	-4.51%
Shares Change (QoQ)	-1.40%
Owned by Insiders (%)	0.51%
Owned by Institutions (%)	94.73%
Float	31.72M

Valuation Ratios

The trailing PE ratio is 11.49 and the forward PE ratio is 11.22.

PE Ratio	11.49
Forward PE	11.22
PS Ratio	2.48
PB Ratio	3.60
P/TBV Ratio	3.67
P/FCF Ratio	10.15
P/OCF Ratio	9.91
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.62, with an EV/FCF ratio of 11.82.

EV / Earnings	13.38
EV / Sales	2.86
EV / EBITDA	8.62
EV / EBIT	8.83
EV / FCF	11.82

Financial Position

The company has a current ratio of 3.64, with a Debt / Equity ratio of 0.87.

Current Ratio	3.64
Quick Ratio	1.07
Debt / Equity	0.87
Debt / EBITDA	1.80
Debt / FCF	2.45
Interest Coverage	12.98

Financial Efficiency

Return on equity (ROE) is 34.03% and return on invested capital (ROIC) is 16.25%.

Return on Equity (ROE)	34.03%
Return on Assets (ROA)	4.55%
Return on Invested Capital (ROIC)	16.25%
Return on Capital Employed (ROCE)	7.80%
Revenue Per Employee	1.24M
Profits Per Employee	266,613
Employee Count	2,306
Asset Turnover	0.22
Inventory Turnover	n/a

Taxes

In the past 12 months, Primerica has paid 191.03 million in taxes.

Income Tax	191.03M
Effective Tax Rate	23.69%

Stock Price Statistics

The stock price has decreased by -23.45% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-23.45%
50-Day Moving Average	227.04
200-Day Moving Average	234.75
Relative Strength Index (RSI)	48.03
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	6.56

Income Statement

In the last 12 months, Primerica had revenue of EUR 2.84 billion and earned 612.68 million in profits. Earnings per share was 18.53.

Revenue	2.84B
Gross Profit	2.01B
Operating Income	919.74M
Pretax Income	806.28M
Net Income	612.68M
EBITDA	935.64M
EBIT	919.74M
Earnings Per Share (EPS)	18.53

Balance Sheet

The company has 560.52 million in cash and 1.70 billion in debt, giving a net cash position of -1.15 billion.

Cash & Cash Equivalents	560.52M
Total Debt	1.70B
Net Cash	-1.15B
Net Cash Per Share	n/a
Equity (Book Value)	1.96B
Book Value Per Share	61.00
Working Capital	2.30B

Cash Flow

In the last 12 months, operating cash flow was 710.46 million and capital expenditures -17.07 million, giving a free cash flow of 693.38 million.

Operating Cash Flow	710.46M
Capital Expenditures	-17.07M
Free Cash Flow	693.38M
FCF Per Share	n/a

Margins

Gross margin is 70.67%, with operating and profit margins of 32.36% and 21.63%.

Gross Margin	70.67%
Operating Margin	32.36%
Pretax Margin	28.36%
Profit Margin	21.63%
EBITDA Margin	32.92%
EBIT Margin	32.36%
FCF Margin	24.39%

Dividends & Yields

This stock pays an annual dividend of 3.71, which amounts to a dividend yield of 1.67%.

Dividend Per Share	3.71
Dividend Yield	1.67%
Dividend Growth (YoY)	21.45%
Years of Dividend Growth	15
Payout Ratio	18.44%
Buyback Yield	4.51%
Shareholder Yield	6.18%
Earnings Yield	8.70%
FCF Yield	9.85%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	6