Primerica, Inc.
Primerica, Inc. (PRI) is a US-based distributor of term life insurance and related financial products focused on middle-income households. The company sells term life, investment and savings products through a network of independent representatives who earn commissions on new sales and ongoing service fees, creating a variable-cost distribution model. Revenue drivers include new policy sales, persistency of existing policies, investment returns and the productivity of its distribution force. With a market capitalisation of about $8.64bn (provided data), growth can come from recruiting and training representatives, expanding product uptake, and modest fee income, while margins reflect commission structures and underwriting results. Key risks include recruitment cycles, regulatory changes, interest-rate and market-driven investment performance, and competitive pressures. This summary is educational only and not personalised investment advice; investors should review the company’s regulatory filings, recent financials and consider suitability, time horizon and risk tolerance before making decisions.
Stock Performance Snapshot
Analyst Rating
Analysts suggest holding Primerica's stock with a target price of $305.71, indicating moderate potential for growth.
Financial Health
Primerica is performing well with strong revenue and cash flow, indicating solid financial stability.
Dividend
Primerica's dividend yield of 1.16% is low, making it less appealing for dividend-focused investors. If you invested $1000, you would be paid $11.60 a year in dividends (based on the last 12 months).
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Baskets Featuring PRI
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Distribution Model
Independent representatives drive sales and growth, which can scale efficiently but makes performance sensitive to recruitment and training cycles.
Middle‑Income Focus
Primerica targets middle‑income households, a niche that can offer steady demand, though economic stress and competition may affect sales.
Interest‑Rate Sensitivity
Investment returns and reserving can be affected by rates and markets, so earnings may vary with macroeconomic shifts.
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