PRI · Primerica, Inc.
$300.97
-7.24 (-2.35%)
At close · Aug 19
Market Cap
$9.52B
Shares
30.78M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$300.97
Open$307.92
Day$299.57–309.24
52W close$245.55–326.41
Avg vol 30d176K
Short int1.1M · 3.7% float · 7.0d
Short vol41%
Last earningsAug 6, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Nov 5, 2026
Est · unconfirmed
· in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+11%
above
Price vs 50-day avg
−0%
below
RSI (14)
39
neutral
MACD trend
Negative
52-week position
69%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−4%
trailing
6-month return
+16%
trailing
YTD return
+16%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $302 › 200d $272 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +67 funds added
Insider flow
Distributing
Net -$87.5K over 90 days · 100% sells
Short interest
Falling
3.72% of float · ▼ -2.6% MoM · 7.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
522 holders — near 3-yr high, broad support
Squeeze score
55
elevated · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+67%
Y/Y
Free cash flow
$897.3M
Valuation
P/E 12.4
below peers
Buyback
$204.8M
remaining
Balance sheet
$381.8M
net cash
Quant / Vol
risk profile
Volatility
21%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
full-year 2026
Sales force size
-2% – 0%
Adjusted direct premiums growth
3.5%
Benefits and claims ratio
58%
ISP sales
10% – 15%
DAC amortization and commissions ratio
12% – 13%
Operating margin
21%
third quarter 2026
Expense growth
10% – 12%
Effective tax rate
23%
fourth quarter 2026
Expense growth
6% – 7%
Effective tax rate
22%
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2025
Adjusted direct premiums growth
· full year
5%
Benefits and claims ratio
· fourth quarter
58%
DAC amortization and insurance commissions ratio
· fourth quarter
12%
Operating margin
· fourth quarter
21%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+11%
Bullish
Price vs 50-day avg
−0%
Neutral
RSI (14)
39
Neutral
MACD trend
Negative
Bearish
52-week position
69%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $302 › 200d $272 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +67 funds added
Insider flow
Distributing
Net -$87.5K over 90 days · 100% sells
Short interest
Falling
3.72% of float · ▼ -2.6% MoM · 7.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
522 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $246
Now $301 · 69%
Range high $326
vs 200-day avg +11%
vs 50-day avg 0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Account-based variable margin per average fee generating position | $3.97 | Q2 2026 | — |
| Adjusted direct premiums non-GAAP | $696.84M | the second quarter of 2026 | — |
| Adjusted net investment income non-GAAP | 43.74M | Q2 2026 | — |
| Adjusted net operating income non-GAAP | 390.75M | YTD 2026 | — |
| adjusted net operating income return on adjusted stockholders' equity (ROAE) non-GAAP | 33.1% | Q2 2026 | — |
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| Adjusted operating income before income taxes non-GAAP | $256.53M | the second quarter of 2026 | — |
| Adjusted operating revenues non-GAAP | 1.74B | YTD 2026 | — |
| Adjusted Stockholders' Equity non-GAAP | $2.44B | June 30, 2026 | — |
| Asset-based variable margin as % of average asset values | 0.06% | Q2 2026 | — |
| Average Client Asset Values | 135.5B | Q2 2026 | — |
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| Average number of fee-generating positions | 3.42M | Q2 2026 | — |
| Benefits and claims, net | 403.79M | Q2 2026 | — |
| Client asset values | 140B | Q2 2026 | — |
| Client asset values, beginning of period | 126.76B | Q2 2026 | — |
| Client asset values, end of period | 140.04B | Q2 2026 | — |
| Closed U.S. Mortgage Volume | $150.6M | Q2 2026 | — |
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| Closed U.S. Mortgage Volume (brokered) | $150.6M | Q2 2026 | — |
| Diluted adjusted operating EPS non-GAAP | $6.41 | Q2 2026 | — |
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| Estimated average annualized issued term life premium per policy | $891 | Q2 2026 | — |
| Fixed income book yield, end of period | 4.21% | Q2 2026 | — |
| Investment & Savings average client asset values | $135,550 | Q2 2026 | — |
| Investment & Savings product sales | $4.36B | Q2 2026 | — |
| ISP Product Sales | 4.4B | Q2 2026 | — |
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| Issued Term Life Face Amount | 27.7B | Q2 2026 | — |
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| Life Insurance Policies Issued | 78,904 | Q2 2026 | — |
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| Life Productivity | 0.18 | Q2 2026 | — |
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| Life-Licensed Sales Force | 148,612 | Q2 2026 | — |
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| Net inflows | $397M | Q2 2026 | — |
| New Life-Licensed Representatives | 11,020 | Q2 2026 | — |
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| New money yield | 5.47% | Q2 2026 | — |
| Non-renewal and terminated representatives | -12,140 | Q2 2026 | — |
| Premium from new policies | 70.3M | Q2 2026 | — |
| Primerica Life Insurance Company's estimated statutory risk-based capital ratio | 440% | as of June 30, 2026 | — |
| Recruits | 82,346 | Q2 2026 | — |
|
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| Sales-based variable margin as % of revenue-generating sales | 1.26% | Q2 2026 | — |
| Term life face amount in-force, end of period | 967.91B | Q2 2026 | — |
| Term Life operating margin | 21.3% | Q2 2026 | — |
| Term Life segment operating margin | 21.3% | the second quarter of 2026 | — |
| Total average client assets | 135.55B | Q2 2026 | — |
| Total estimated annualized issued term life premium | 89.9M | Q2 2026 | — |
| Total product sales | 4.36B | Q2 2026 | — |
| Total sales-based revenue generating product sales | 3.14B | Q2 2026 | — |
| ISP client asset values | $127B | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Life — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PRI
this stock
Primerica, Inc.
|
$9.52B | +16.5% | +6.6% | 12.4 | 3.7% |
|
CILJF
China Life Insurance Co Ltd
|
$97.80B | +0.4% | — | — | 0.0% |
|
MFC
Manulife Financial Corp
|
$73.51B | +19.7% | — | — | 0.8% |
|
MET
Metlife Inc
|
$61.44B | +20.5% | +8.6% | 18.5 | 1.8% |
|
AFL
Aflac Inc
|
$61.03B | +5.7% | -9.3% | 13.1 | 2.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PRI | -3.2% | -3.8% | +16.1% | -5.9% | +16.5% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.7% | -6.7% | +4.5% | -8.9% | +3.7% |
Capital returns
Latest dividend
$1.20
/ share · ex May 21, 2026
Declared · upcoming
$1.20
/ share · ex Aug 21, 2026
Paid (TTM)
$4.48
/ share · 4 payouts
Dividend yield (TTM, derived)
1.49%
Buyback program
· as of Jun 30, 2026
Authorized
$475.00M
Spent (derived)
$270.20M
Remaining
$204.80M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.