PRI · Primerica, Inc.
Price & Indicators
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Metrics snapshot
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AI Brief
Q2 FY26 earnings call · Aug 6, 2026TL;DR. Primerica reported Q2 2026 with strong ISP growth (revenues +21%, pre-tax income +31%; client assets hit a record $140 billion) driving adjusted EPS up 17% to $6.41 and ROAE up 90 bps to 33.1%, while Term Life policies issued fell 12% and the life-licensed sales force declined 3% year-over-year.
- + Investment and Savings Products delivered record sales of $4.4 billion, up 23% year-over-year, with pre-tax income up 31%
- + Client asset values reached a record $140 billion, up 16%, driven by $397 million of net inflows and favorable markets
- + Adjusted operating EPS grew 17% to $6.41 and adjusted ROAE rose 90 bps to 33.1%, reflecting a high-quality, fee-like earnings mix
- + Term Life adjusted direct premiums grew 3.4% with a stable 21.3% operating margin, providing consistent earnings
- + Capital return to stockholders remained robust at $172 million in Q2 ($135 million repurchases + $37 million dividends) with a $1.20 declared dividend
- − Term Life policies issued declined 12% and estimated annualized issued premium fell 9%, with guidance for full-year 2026 policies issued to decline mid-single digits
- − Life-licensed sales force fell 3% to 148,612 and new life-licensed representatives dropped 15%, lagging the recent improvement in recruiting
- − Term Life insurance expense ratio rose to 8.4% from 7.6% and consolidated expenses grew 8%, with expense growth guided to 10-12% in Q3
- − Investment portfolio carried a $140 million net unrealized loss, though attributed to interest-rate movements rather than credit
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Insurance - Life — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PRI
this stock
Primerica, Inc.
|
$8.86B | +11.5% | +6.6% | 11.6 | 3.6% |
|
CILJF
China Life Insurance Co Ltd
|
$93.27B | +8.7% | — | — | 0.0% |
|
MFC
Manulife Financial Corp
|
$71.33B | +18.4% | — | — | 1.3% |
|
MET
Metlife Inc
|
$60.66B | +21.2% | +8.6% | 18.3 | 1.8% |
|
AFL
Aflac Inc
|
$58.76B | +4.1% | -9.3% | 12.6 | 2.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PRI | -0.8% | -7.9% | +15.9% | +0.1% | +11.5% |
| SPY | +0.1% | -1.1% | +15.3% | -0.6% | +11.8% |
| vs SPY | -0.9% | -6.9% | +0.7% | +0.7% | -0.3% |
Capital returns
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.