ducovest

PRI:NYE-Primerica Inc. (USD)

EQUITY | Insurance - Life | New York Stock Exchange

Last Closing

USD 270.59

Change

-1.92 (-0.70)%

Market Cap

USD 3.26B

Volume

0.08M

Analyst Target

USD 146.20
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Primerica Inc is a distributor of financial products to middle income households in the United States and Canada. The Company assists its clients in terms of life insurance, mutual funds, annuities and other financial products.

Company Website : http://www.primerica.com

Currency: USD

Country : USA

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-12-27 )

Largest Industry Peers for Insurance - Life

Symbol Name Price(Change) Market Cap
AFL Aflac Incorporated

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MET-PA MetLife Inc Preferred Stock Se..

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MET-PE MetLife Inc Preferred Stock Se..

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PRU Prudential Financial Inc

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PUK Prudential PLC ADR

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JXN Jackson Financial Inc

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 USD 6.76B
FG F&G Annuities & Life Inc.

N/A

 USD 5.63B
ANG-PB American National Group Inc

N/A

 N/A
ANG-PA American National Group Inc.

N/A

 N/A
MET-PF MetLife Inc Preferred Stock Se..

N/A

 N/A

ETFs Containing PRI

GDIV Harbor Dividend Growth Le.. 2.76 % 0.00 %

N/A

 USD 0.29B
OSCV Opus Small Cap Value Plus 2.06 % 0.79 %

N/A

 USD 0.47B
AGED:SW iShares Ageing Population.. 0.57 % 0.00 %

N/A

 N/A
USLB 0.00 % 0.35 %

N/A

 N/A
IUSS 0.00 % 0.00 %

N/A

 N/A
AGED:LSE iShares Ageing Population.. 0.00 % 0.00 %

N/A

 N/A
AGES:LSE iShares IV Public Limited.. 0.00 % 0.00 %

N/A

 N/A

Market Performance

  Market Performance vs. Industry/Classification (Insurance - Life) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 31.51% 72% C 87% B+
Dividend Return 1.60% 13% F 27% F
Total Return 33.11% 72% C 87% B+
Trailing 12 Months  
Capital Gain 31.51% 72% C 87% B+
Dividend Return 1.60% 13% F 27% F
Total Return 33.11% 72% C 87% B+
Trailing 5 Years  
Capital Gain 107.14% 87% B+ 89% A-
Dividend Return 8.86% 25% F 26% F
Total Return 116.01% 80% B- 88% B+
Average Annual (5 Year Horizon)  
Capital Gain 23.91% 83% B 83% B
Dividend Return 25.40% 83% B 83% B
Total Return 1.48% 19% F 37% F
Risk Return Profile  
Volatility (Standard Deviation) 27.48% 56% F 40% F
Risk Adjusted Return 92.42% 89% A- 93% A
Market Capitalization 3.26B 38% F 84% B

Key Financial Ratios

  Ratio vs. Industry/Classification (Insurance - Life) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 16.30 44% 63%
Price/Book Ratio 4.65 17% 20%
Price / Cash Flow Ratio 13.08 38% 30%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 32.48% 100% 93%
Return on Invested Capital 41.28% 44% 96%
Return on Assets 4.23% 100% 68%
Debt to Equity Ratio 95.85% 9% 38%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.