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Primerica (PRI) Financials

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$255.45 -2.52 (-0.98%)
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Annual Income Statements for Primerica

Annual Income Statements for Primerica

This table shows Primerica's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 190 219 350 324 366 386 477 472 577 471
Consolidated Net Income / (Loss)		 190 219 350 324 366 386 476 467 577 471
Net Income / (Loss) Continuing Operations		 190 219 350 324 366 386 476 555 591 720
Total Pre-Tax Income 		291 338 380 416 477 507 644 719 772 939
Total Revenue		 1,371 949 1,661 1,871 2,024 2,189 2,670 2,630 2,722 3,064
Net Interest Income / (Expense)		 -34 -29 -28 -29 -29 -29 -31 -27 -27 -25
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 34 29 28 29 29 29 31 27 27 25
Long-Term Debt Interest Expense		 34 29 28 29 29 29 31 27 27 25
Total Non-Interest Income		 1,404 977 1,689 1,900 2,053 2,218 2,701 2,657 2,749 3,089
Other Service Charges		 579 51 56 57 56 61 75 68 65 119
Net Realized & Unrealized Capital Gains on Investments		 88 102 107 117 147 136 140 156 195 220
Premiums Earned		 750 844 961 1,086 1,184 1,326 1,506 1,600 1,660 1,729
Investment Banking Income		 - - 591 678 714 751 1,043 897 893 1,083
Other Non-Interest Income		 -13 -19 -27 -37 -48 -57 -62 -64 -65 -63
Total Non-Interest Expense		 1,080 611 1,281 1,455 1,547 1,682 2,027 1,912 1,950 2,125
Salaries and Employee Benefits		 291 291 319 360 382 409 557 493 492 605
Property & Liability Insurance Claims		 339 368 416 458 494 616 602 632 643 648
Insurance Policy Acquisition Costs		 123 132 147 168 179 188 203 235 235 256
Current and Future Benefits		 - - - - - - 1.30 1.63 -0.38 -26
Other Operating Expenses		 168 -360 189 230 237 245 350 287 305 344
Amortization Expense		 158 181 209 240 255 224 238 262 276 298
Income Tax Expense		 101 118 29 92 111 121 168 164 181 219
Net Income / (Loss) Discontinued Operations		 - - - - - - - -88 -15 -250
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - - 0.00 0.00 -1.38 -5.04 0.00 0.00
Basic Earnings per Share		 $3.70 $4.59 $7.63 $7.35 $8.65 $9.60 $12.03 $12.37 $15.97 $13.73
Weighted Average Basic Shares Outstanding		 50.88M 47.41M 45.60M 43.85M 42.18M 40.07M 39.53M 38.00M 35.95M 34.14M
Diluted Earnings per Share		 $3.70 $4.59 $7.61 $7.33 $8.62 $9.57 $11.99 $12.33 $15.94 $13.71
Weighted Average Diluted Shares Outstanding		 50.91M 47.45M 45.69M 43.99M 42.31M 40.19M 39.65M 38.11M 36.03M 34.20M
Weighted Average Basic & Diluted Shares Outstanding		 51.30M 47.80M 45.90M 42.58M 41.11M 39.34M 39.24M 36.65M 34.85M 33.25M
Cash Dividends to Common per Share		 $0.64 $0.70 $0.78 $1.00 $1.36 $1.60 $1.88 $2.20 $2.60 $3.30

Quarterly Income Statements for Primerica

This table shows Primerica's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 80 150 128 145 152 152 138 1.17 164 167
Consolidated Net Income / (Loss)		 80 150 128 145 152 152 138 1.17 164 167
Net Income / (Loss) Continuing Operations		 80 237 128 145 157 161 138 1.17 195 386
Total Pre-Tax Income 		121 289 167 189 206 210 179 7.80 255 498
Total Revenue		 666 617 683 682 691 666 736 797 768 763
Net Interest Income / (Expense)		 -6.80 -6.77 -6.69 -6.69 -6.63 -6.59 -6.77 -6.10 -6.09 -6.07
Total Interest Expense		 6.80 6.77 6.69 6.69 6.63 6.59 6.77 6.10 6.09 6.07
Long-Term Debt Interest Expense		 6.80 6.77 6.69 6.69 6.63 6.59 6.77 6.10 6.09 6.07
Total Non-Interest Income		 673 624 690 688 697 673 743 803 774 769
Other Service Charges		 21 7.19 20 20 16 9.36 17 67 19 15
Net Realized & Unrealized Capital Gains on Investments		 38 48 43 49 49 55 55 54 59 52
Premiums Earned		 405 406 413 403 421 424 431 418 440 440
Investment Banking Income		 225 179 232 233 228 201 255 280 272 276
Other Non-Interest Income		 -16 -16 -16 -17 -16 -16 -16 -16 -16 -15
Total Non-Interest Expense		 545 329 516 493 484 456 557 789 513 265
Salaries and Employee Benefits		 114 110 119 123 124 126 141 150 149 165
Property & Liability Insurance Claims		 159 156 163 149 162 169 166 150 164 167
Insurance Policy Acquisition Costs		 58 59 61 59 58 57 63 63 64 66
Current and Future Benefits		 1.51 1.48 0.56 -1.87 0.18 0.75 0.06 -4.33 -23 1.37
Other Operating Expenses		 87 -5.97 105 83 71 46 114 89 84 57
Amortization Expense		 66 67 68 68 69 70 72 74 76 77
Income Tax Expense		 42 52 39 44 49 48 41 6.63 60 111
Basic Earnings per Share		 $2.12 $4.01 $3.47 $3.97 $4.23 $4.30 $3.94 $0.03 $4.84 $4.92
Weighted Average Basic Shares Outstanding		 37.44M 38.00M 36.71M 36.22M 35.76M 35.95M 34.88M 34.38M 33.83M 34.14M
Diluted Earnings per Share		 $2.11 $4.00 $3.46 $3.97 $4.23 $4.28 $3.93 $0.03 $4.83 $4.92
Weighted Average Diluted Shares Outstanding		 37.54M 38.11M 36.80M 36.29M 35.82M 36.03M 34.94M 34.38M 33.89M 34.20M
Weighted Average Basic & Diluted Shares Outstanding		 36.90M 36.65M 36.23M 35.77M 35.03M 34.85M 34.41M 33.83M 33.37M 33.25M

Annual Cash Flow Statements for Primerica

This table details how cash moves in and out of Primerica's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 -40 60 68 -18 -5.26 291 -155 97 124 75
Net Cash From Operating Activities		 264 294 392 478 486 643 657 758 693 862
Net Cash From Continuing Operating Activities		 264 294 392 478 486 643 657 758 693 862
Net Income / (Loss) Continuing Operations		 190 219 350 324 366 386 476 467 577 471
Consolidated Net Income / (Loss)		 190 219 350 324 366 386 476 467 577 471
Depreciation Expense		 11 15 14 12 18 18 30 34 32 23
Amortization Expense		 156 179 -1.60 238 254 225 243 265 274 295
Non-Cash Adjustments to Reconcile Net Income		 57 52 171 -385 -18 51 90 51 -33 227
Changes in Operating Assets and Liabilities, net		 -150 -170 -141 288 -135 -36 -182 -59 -157 -154
Net Cash From Investing Activities		 -58 -48 -131 -233 -202 -54 -923 -200 -90 -232
Net Cash From Continuing Investing Activities		 -58 -48 -131 -233 -202 -54 -923 -200 -90 -232
Purchase of Investment Securities		 -463 -405 -454 -686 -636 -596 -1,623 -706 -465 -680
Sale and/or Maturity of Investments		 405 357 322 453 434 543 699 506 375 469
Other Investing Activities, net		 - - - - - - - 0.00 0.00 -21
Net Cash From Financing Activities		 -240 -187 -193 -261 -290 -302 108 -458 -480 -551
Net Cash From Continuing Financing Activities		 -240 -187 -193 -261 -290 -302 108 -458 -480 -551
Issuance of Debt		 - - - - 0.00 0.00 722 0.00 0.00 0.00
Repayment of Debt		 - - - 0.00 -0.28 -0.27 -514 -12 0.00 0.00
Repurchase of Common Equity		 -200 -150 -150 -210 -225 -231 -19 -356 -375 -428
Payment of Dividends		 -33 -33 -36 -44 -58 -64 -75 -84 -94 -113
Other Financing Activities, Net		 -7.54 -3.97 -7.60 -6.71 -7.19 -5.74 -6.65 -5.40 -11 -9.90
Effect of Exchange Rate Changes		 -5.06 0.57 1.20 -2.09 1.24 2.60 3.39 -3.03 1.06 -4.02
Cash Interest Paid		 32 28 28 28 28 28 34 27 27 24
Cash Income Taxes Paid		 62 45 83 88 115 123 155 178 227 140

Quarterly Cash Flow Statements for Primerica

This table details how cash moves in and out of Primerica's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 38 51 26 46 -93 144 -20 34 -77 138
Net Cash From Operating Activities		 167 206 176 136 140 241 211 173 207 271
Net Cash From Continuing Operating Activities		 167 206 176 136 140 241 211 173 207 271
Net Income / (Loss) Continuing Operations		 80 147 128 145 152 152 138 1.17 164 167
Consolidated Net Income / (Loss)		 80 147 128 145 152 152 138 1.17 164 167
Depreciation Expense		 8.28 8.54 8.55 8.89 7.36 7.17 7.17 7.32 4.60 4.32
Amortization Expense		 67 67 68 68 69 69 71 73 75 76
Non-Cash Adjustments to Reconcile Net Income		 69 -53 1.93 2.87 3.93 -42 26 207 98 -104
Changes in Operating Assets and Liabilities, net		 -57 37 -30 -88 -93 55 -32 -115 -134 127
Net Cash From Investing Activities		 -7.97 -103 -31 45 -102 -2.25 -86 30 -125 -51
Net Cash From Continuing Investing Activities		 -7.97 -103 -31 45 -102 -2.25 -86 30 -125 -51
Purchase of Investment Securities		 -110 -200 -90 -110 -156 -109 -154 -174 -181 -171
Sale and/or Maturity of Investments		 102 97 59 155 54 107 68 204 74 123
Other Investing Activities, net		 - - - - - - - - - -2.77
Net Cash From Financing Activities		 -118 -53 -119 -135 -130 -96 -143 -169 -160 -79
Net Cash From Continuing Financing Activities		 -118 -53 -119 -135 -130 -96 -143 -169 -160 -79
Repurchase of Common Equity		 -97 -32 -85 -111 -106 -73 -109 -143 -129 -48
Payment of Dividends		 -21 -20 -24 -24 -23 -23 -26 -26 -31 -30
Other Financing Activities, Net		 -0.13 -0.41 -9.74 -0.50 -0.20 -0.41 -7.53 -0.10 -0.90 -1.38
Effect of Exchange Rate Changes		 -2.76 0.64 0.08 0.70 -1.11 1.40 -1.47 -0.53 0.89 -2.92

Annual Balance Sheets for Primerica

This table presents Primerica's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 10,611 11,439 12,461 12,595 13,689 14,905 16,123 14,641 15,028 14,582
Cash and Due from Banks		 152 212 280 262 257 548 393 489 594 688
Trading Account Securities		 2,150 - 2,712 3,091 3,585 3,827 4,106 3,944 4,155 4,280
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 17 - 17 17 17 18 19 21 24 28
Unearned Premiums Asset		 190 - 230 215 227 259 258 254 269 283
Deferred Acquisition Cost		 1,500 1,713 1,952 2,134 2,326 2,630 2,944 3,189 3,447 3,680
Separate Account Business Assets		 2,064 - 2,573 2,196 2,486 2,660 2,800 2,306 2,396 2,209
Goodwill		 - - - - - 0.00 179 128 0.00 0.00
Intangible Assets		 58 - 52 48 45 45 196 186 45 45
Other Assets		 4,479 - 4,646 4,632 4,746 4,919 5,230 4,125 4,098 3,368
Total Liabilities & Shareholders' Equity		 10,611 268 12,461 12,595 13,689 14,905 16,123 14,641 15,028 14,582
Total Liabilities		 9,465 268 11,042 11,134 12,036 13,069 14,033 12,610 12,962 12,323
Long-Term Debt		 737 - 1,110 1,343 1,558 1,720 1,986 2,037 1,980 1,898
Claims and Claim Expense		 238 268 307 314 340 520 585 538 514 488
Future Policy Benefits		 5,432 - 5,955 6,168 6,447 6,791 7,139 6,298 6,742 6,503
Unearned Premiums Liability		 0.63 - 15 16 15 17 16 15 15 16
Participating Policy Holder Equity		 365 - 363 371 389 448 502 484 435 402
Separate Account Business Liabilities		 2,064 - 2,573 2,196 2,486 2,660 2,800 2,306 2,396 2,209
Other Long-Term Liabilities		 628 - 719 726 802 893 1,005 932 880 806
Commitments & Contingencies		 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 - - - - - 0.00 7.27 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,146 0.00 1,419 1,462 1,652 1,836 2,083 2,031 2,066 2,259
Total Preferred & Common Equity		 1,146 1,221 1,419 1,462 1,652 1,836 2,083 2,031 2,066 2,259
Total Common Equity		 1,146 0.00 1,419 1,462 1,652 1,836 2,083 2,031 2,066 2,259
Common Stock		 181 - 0.44 0.43 0.41 0.39 5.62 0.37 0.35 0.33
Retained Earnings		 953 - 1,375 1,490 1,593 1,706 2,005 2,154 2,277 2,231
Accumulated Other Comprehensive Income / (Loss)		 12 - 44 -28 59 130 72 -123 -211 27

Quarterly Balance Sheets for Primerica

This table presents Primerica's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 15,042 14,796 14,752 14,433 14,909 14,566 14,815
Cash and Due from Banks		 438 515 562 469 593 627 550
Trading Account Securities		 3,929 4,071 4,027 4,054 4,188 4,153 4,357
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 20 22 23 24 25 26 26
Unearned Premiums Asset		 267 260 269 287 287 289 301
Deferred Acquisition Cost		 3,049 3,257 3,320 3,375 3,504 3,566 3,637
Separate Account Business Assets		 2,207 2,330 2,359 2,183 2,335 2,254 2,401
Goodwill		 128 128 128 128 128 0.00 0.00
Intangible Assets		 188 183 180 178 172 45 45
Other Assets		 4,817 4,030 3,884 3,736 3,676 3,606 3,498
Total Liabilities & Shareholders' Equity		 15,042 14,796 14,752 14,433 14,909 14,566 14,815
Total Liabilities		 13,422 12,875 12,736 12,121 12,723 12,444 12,868
Long-Term Debt		 2,026 2,053 2,026 2,011 1,970 1,947 1,924
Claims and Claim Expense		 497 498 495 475 517 479 497
Future Policy Benefits		 7,315 6,562 6,492 6,045 6,548 6,436 6,919
Unearned Premiums Liability		 16 17 16 15 16 17 16
Participating Policy Holder Equity		 492 482 459 448 421 413 398
Separate Account Business Liabilities		 2,207 2,330 2,359 2,183 2,335 2,254 2,401
Other Long-Term Liabilities		 870 934 889 943 916 898 712
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,620 1,921 2,015 2,312 2,186 2,122 1,947
Total Preferred & Common Equity		 1,620 1,921 2,015 2,312 2,186 2,122 1,947
Total Common Equity		 1,620 1,921 2,015 2,312 2,186 2,122 1,947
Common Stock		 0.37 0.36 0.36 0.35 0.35 0.34 0.34
Retained Earnings		 1,888 2,152 2,190 2,215 2,286 2,123 2,132
Accumulated Other Comprehensive Income / (Loss)		 -268 -231 -175 97 -100 -1.41 -186

Annual Metrics and Ratios for Primerica

This table displays calculated financial ratios and metrics derived from Primerica's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 5.23% -30.79% 75.04% 12.67% 8.16% 8.15% 22.00% -1.50% 3.49% 12.57%
EBITDA Growth		 7.21% 15.93% -26.33% 70.21% 12.44% 0.03% 22.32% 11.02% 5.87% 16.70%
EBIT Growth		 5.53% 16.02% 12.42% 9.63% 14.67% 6.21% 27.00% 11.67% 7.39% 21.71%
NOPAT Growth		 5.58% 15.56% 59.63% -7.47% 13.05% 5.40% 23.26% 16.54% 6.57% 21.81%
Net Income Growth		 4.66% 15.56% 59.63% -7.47% 13.05% 5.40% 23.26% -1.88% 23.46% -18.40%
EPS Growth		 12.46% 24.05% 65.80% -3.68% 17.60% 11.02% 25.29% 2.84% 29.28% -13.99%
Operating Cash Flow Growth		 11.34% 11.42% 32.99% 22.10% 1.56% 32.52% 2.10% 15.33% -8.60% 24.49%
Free Cash Flow Firm Growth		 331.82% -6,278.35% 199.16% -99.47% -181.25% 203.44% -207.60% 1,393.52% 9.26% -0.69%
Invested Capital Growth		 2.34% 493.32% -77.36% 10.92% 14.45% 10.77% 14.61% -0.17% -0.55% 2.74%
Revenue Q/Q Growth		 0.85% -34.54% 79.48% 14.33% 0.00% 0.00% 128.58% -3.24% -0.52% 0.97%
EBITDA Q/Q Growth		 2.17% 4.83% -32.22% 49.03% 178.49% 192.41% 231.53% 10.83% 1.87% 33.09%
EBIT Q/Q Growth		 1.13% 4.54% 5.86% -0.04% 0.00% 0.00% 5,305.54% 14.47% 2.58% 48.83%
NOPAT Q/Q Growth		 1.32% 4.24% 46.74% -20.17% 0.00% 0.00% 38.77% 21.64% 2.00% 49.92%
Net Income Q/Q Growth		 1.32% 4.24% 46.74% -20.17% 0.00% 0.00% 46.25% 2.41% 0.42% 3.32%
EPS Q/Q Growth		 3.35% 6.00% 47.77% -18.83% 0.00% 0.00% 9.00% 4.31% 1.79% 4.90%
Operating Cash Flow Q/Q Growth		 7.05% 1.59% 15.96% 2.36% -5.56% 13.25% -2.61% -2.00% 5.27% 3.55%
Free Cash Flow Firm Q/Q Growth		 -13.13% -22,342.34% 16,121.33% 21.18% 90.56% 113.61% 81.60% -30.41% 729.15% -34.64%
Invested Capital Q/Q Growth		 0.29% 445.72% 7.98% 3.57% 2.85% 4.04% 1.97% 11.59% -6.40% 7.38%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 33.44% 56.01% 23.57% 35.61% 37.02% 34.24% 34.33% 38.70% 39.59% 41.04%
EBIT Margin		 21.23% 35.58% 22.85% 22.24% 23.58% 23.15% 24.10% 27.32% 28.35% 30.65%
Profit (Net Income) Margin		 13.85% 23.13% 21.09% 17.32% 18.11% 17.64% 17.83% 17.76% 21.18% 15.36%
Tax Burden Percent		 65.25% 64.99% 92.29% 77.89% 76.79% 76.21% 73.96% 64.99% 74.71% 50.10%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.75% 35.01% 7.71% 22.11% 23.21% 23.79% 26.04% 22.81% 23.40% 23.33%
Return on Invested Capital (ROIC)		 10.20% 3.36% 5.11% 12.15% 12.18% 11.41% 12.47% 13.62% 14.57% 17.56%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.20% 3.36% 5.11% 12.15% 12.18% 11.41% 12.47% 9.26% 13.84% 4.68%
Return on Net Nonoperating Assets (RNNOA)		 5.68% 34.94% 44.25% 10.35% 11.35% 10.73% 11.78% 9.04% 13.58% 4.20%
Return on Equity (ROE)		 15.88% 38.30% 49.36% 22.50% 23.53% 22.14% 24.25% 22.67% 28.15% 21.76%
Cash Return on Invested Capital (CROIC)		 7.89% -138.95% 131.28% 1.80% -1.30% 1.19% -1.14% 13.79% 15.12% 14.85%
Operating Return on Assets (OROA)		 2.73% 3.06% 3.18% 3.32% 3.63% 3.54% 4.15% 4.67% 5.20% 6.34%
Return on Assets (ROA)		 1.78% 1.99% 2.93% 2.59% 2.79% 2.70% 3.07% 3.04% 3.89% 3.18%
Return on Common Equity (ROCE)		 15.88% 38.30% 49.36% 22.50% 23.53% 22.14% 24.21% 22.63% 28.15% 21.76%
Return on Equity Simple (ROE_SIMPLE)		 16.57% 17.96% 24.68% 22.18% 22.17% 21.03% 22.86% 22.99% 27.91% 20.83%
Net Operating Profit after Tax (NOPAT)		 190 219 350 324 366 386 476 555 591 720
NOPAT Margin		 13.85% 23.13% 21.09% 17.32% 18.11% 17.64% 17.83% 21.09% 21.72% 23.50%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 4.36% 0.73% 12.87%
SG&A Expenses to Revenue		 21.25% 30.63% 19.22% 19.23% 18.89% 18.68% 20.85% 18.74% 18.06% 19.75%
Operating Expenses to Revenue		 78.77% 64.42% 77.15% 77.76% 76.42% 76.85% 75.90% 72.68% 71.65% 69.35%
Earnings before Interest and Taxes (EBIT)		 291 338 380 416 477 507 644 719 772 939
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 458 531 391 666 749 749 917 1,018 1,077 1,257
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.79 0.00 2.91 2.66 3.06 2.72 2.79 2.50 3.43 3.99
Price to Tangible Book Value (P/TBV)		 1.89 0.00 3.02 2.75 3.15 2.79 3.41 2.96 3.51 4.08
Price to Revenue (P/Rev)		 1.50 3.04 2.48 2.08 2.50 2.28 2.18 1.93 2.60 2.95
Price to Earnings (P/E)		 10.80 13.13 11.78 12.00 13.81 12.94 12.18 10.76 12.30 19.18
Dividend Yield		 1.51% 1.11% 0.84% 1.10% 1.11% 1.26% 1.28% 1.60% 1.28% 1.22%
Earnings Yield		 9.26% 7.62% 8.49% 8.34% 7.24% 7.73% 8.21% 9.30% 8.13% 5.21%
Enterprise Value to Invested Capital (EV/IC)		 1.40 0.24 1.96 1.77 1.98 1.73 1.82 1.63 2.09 2.46
Enterprise Value to Revenue (EV/Rev)		 1.92 2.81 2.98 2.66 3.14 2.82 2.78 2.52 3.11 3.34
Enterprise Value to EBITDA (EV/EBITDA)		 5.75 5.02 12.66 7.46 8.49 8.23 8.09 6.51 7.87 8.14
Enterprise Value to EBIT (EV/EBIT)		 9.06 7.91 13.06 11.94 13.33 12.17 11.53 9.22 10.98 10.90
Enterprise Value to NOPAT (EV/NOPAT)		 13.88 12.16 14.15 15.33 17.36 15.98 15.58 11.94 14.34 14.21
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.97 9.07 12.66 10.40 13.10 9.59 11.29 8.74 12.24 11.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 17.95 0.00 0.55 103.52 0.00 152.90 0.00 11.80 13.82 16.80
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.64 0.00 0.78 0.92 0.94 0.94 0.95 1.00 0.96 0.84
Long-Term Debt to Equity		 0.64 0.00 0.78 0.92 0.94 0.94 0.95 1.00 0.96 0.84
Financial Leverage		 0.56 10.39 8.65 0.85 0.93 0.94 0.94 0.98 0.98 0.90
Leverage Ratio		 8.93 19.24 16.84 8.70 8.44 8.20 7.90 7.47 7.24 6.85
Compound Leverage Factor		 8.93 19.24 16.84 8.70 8.44 8.20 7.90 7.47 7.24 6.85
Debt to Total Capital		 39.14% 0.00% 43.88% 47.89% 48.52% 48.37% 48.72% 50.08% 48.94% 45.66%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 39.14% 0.00% 43.88% 47.89% 48.52% 48.37% 48.72% 50.08% 48.94% 45.66%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.18% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 60.86% 0.00% 56.12% 52.11% 51.48% 51.63% 51.10% 49.92% 51.06% 54.34%
Debt to EBITDA		 1.61 0.00 2.83 2.02 2.08 2.30 2.17 2.00 1.84 1.51
Net Debt to EBITDA		 1.28 0.00 2.12 1.62 1.74 1.56 1.74 1.52 1.29 0.96
Long-Term Debt to EBITDA		 1.61 0.00 2.83 2.02 2.08 2.30 2.17 2.00 1.84 1.51
Debt to NOPAT		 3.88 0.00 3.17 4.14 4.25 4.45 4.17 3.67 3.35 2.64
Net Debt to NOPAT		 3.08 0.00 2.37 3.34 3.55 3.04 3.35 2.79 2.34 1.68
Long-Term Debt to NOPAT		 3.88 0.00 3.17 4.14 4.25 4.45 4.17 3.67 3.35 2.64
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.19% 0.18% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 147 -9,069 8,992 48 -39 40 -43 562 614 609
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 4.38 -316.08 315.65 1.67 -1.35 1.40 -1.42 20.62 23.07 24.34
Operating Cash Flow to Interest Expense		 7.89 10.26 13.74 16.59 16.85 22.31 21.46 27.82 26.04 34.44
Operating Cash Flow Less CapEx to Interest Expense		 7.89 10.26 13.74 16.59 16.85 22.31 21.46 27.82 26.04 34.44
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.13 0.09 0.14 0.15 0.15 0.15 0.17 0.17 0.18 0.21
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,883 11,171 2,529 2,805 3,210 3,556 4,075 4,069 4,046 4,157
Invested Capital Turnover		 0.74 0.15 0.24 0.70 0.67 0.65 0.70 0.65 0.67 0.75
Increase / (Decrease) in Invested Capital		 43 9,288 -8,642 276 405 346 519 -6.84 -22 111
Enterprise Value (EV)		 2,635 2,669 4,955 4,970 6,361 6,169 7,417 6,625 8,476 10,234
Market Capitalization		 2,051 2,881 4,126 3,888 5,060 4,997 5,816 5,077 7,090 9,024
Book Value per Share		 $23.69 $0.00 $32.07 $34.04 $39.95 $46.71 $52.74 $55.05 $58.97 $67.69
Tangible Book Value per Share		 $22.49 $0.00 $30.91 $32.92 $38.86 $45.56 $43.24 $46.56 $57.68 $66.34
Total Capital		 1,883 0.00 2,529 2,805 3,210 3,556 4,075 4,069 4,046 4,157
Total Debt		 737 0.00 1,110 1,343 1,558 1,720 1,986 2,037 1,980 1,898
Total Long-Term Debt		 737 0.00 1,110 1,343 1,558 1,720 1,986 2,037 1,980 1,898
Net Debt		 585 -212 830 1,081 1,301 1,173 1,593 1,548 1,386 1,210
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 88 15 250
Net Nonoperating Obligations (NNO)		 737 11,171 1,110 1,343 1,558 1,720 1,986 2,037 1,980 1,898
Total Depreciation and Amortization (D&A)		 167 194 12 250 272 243 273 299 306 318
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.70 $4.59 $7.63 $7.35 $8.65 $9.60 $9.41 $9.77 $15.97 $13.73
Adjusted Weighted Average Basic Shares Outstanding		 50.88M 47.41M 45.60M 43.85M 42.18M 40.07M 39.53M 38.00M 35.95M 34.14M
Adjusted Diluted Earnings per Share		 $3.70 $4.59 $7.61 $7.33 $8.62 $9.57 $9.38 $9.74 $15.94 $13.71
Adjusted Weighted Average Diluted Shares Outstanding		 50.91M 47.45M 45.69M 43.99M 42.31M 40.19M 39.65M 38.11M 36.03M 34.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 48.07M 45.70M 44.31M 42.58M 41.11M 39.34M 39.24M 36.65M 34.85M 33.25M
Normalized Net Operating Profit after Tax (NOPAT)		 190 219 350 324 366 386 532 555 591 720
Normalized NOPAT Margin		 13.85% 23.13% 21.09% 17.32% 18.11% 17.64% 19.93% 21.09% 21.72% 23.50%
Pre Tax Income Margin		 21.23% 35.58% 22.85% 22.24% 23.58% 23.15% 24.10% 27.32% 28.35% 30.65%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 8.68 11.77 13.32 14.44 16.56 17.57 21.02 26.39 29.02 37.52
NOPAT to Interest Expense		 5.67 7.65 12.29 11.25 12.72 13.39 15.55 20.37 22.23 28.77
EBIT Less CapEx to Interest Expense		 8.68 11.77 13.32 14.44 16.56 17.57 21.02 26.39 29.02 37.52
NOPAT Less CapEx to Interest Expense		 5.67 7.65 12.29 11.25 12.72 13.39 15.55 20.37 22.23 28.77
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 17.28% 15.21% 10.23% 13.62% 15.73% 16.66% 15.68% 17.94% 16.25% 23.98%
Augmented Payout Ratio		 122.66% 83.60% 53.06% 78.46% 77.15% 76.59% 19.62% 94.23% 81.30% 115.03%

Quarterly Metrics and Ratios for Primerica

This table displays calculated financial ratios and metrics derived from Primerica's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -2.80% -12.50% -0.15% 3.00% 3.66% 7.86% 7.71% 16.95% 11.17% 14.52%
EBITDA Growth		 -10.65% 37.53% 10.92% 11.62% 44.35% -21.64% 5.89% -66.89% 17.90% 102.41%
EBIT Growth		 -17.66% 45.89% 14.43% 16.00% 70.38% -27.45% 7.36% -95.87% 23.35% 137.52%
NOPAT Growth		 -28.61% 71.25% 13.98% 15.08% 97.90% -32.07% 7.65% -99.19% 23.68% 139.76%
Net Income Growth		 -28.61% 7.94% 13.98% 15.08% 91.13% 1.62% 7.65% -99.19% 8.10% 9.96%
EPS Growth		 -25.18% 14.61% 18.90% 19.94% 100.47% 7.00% 13.58% -99.24% 14.18% 14.95%
Operating Cash Flow Growth		 4.03% -6.96% -17.90% -20.24% -16.20% 16.80% 19.87% 27.65% 48.29% 12.27%
Free Cash Flow Firm Growth		 192.07% 164.07% 137.91% -149.31% -220.73% -24.81% -160.31% 76.86% 224.43% 50.14%
Invested Capital Growth		 -8.78% -0.17% 1.40% 6.77% 18.57% -0.55% 4.58% 0.67% -10.45% 2.74%
Revenue Q/Q Growth		 0.70% -7.35% 0.47% -0.24% 1.34% -3.60% 2.27% 8.32% -3.67% -0.69%
EBITDA Q/Q Growth		 -17.56% 85.86% -8.57% 9.24% 6.61% 0.90% -5.78% -65.84% 279.63% 73.21%
EBIT Q/Q Growth		 -25.61% 138.42% -12.19% 13.15% 9.26% 1.52% -9.04% -95.65% 3,165.08% 95.47%
NOPAT Q/Q Growth		 -36.64% 198.13% -14.32% 12.81% 8.96% 2.33% -9.23% -99.15% 16,529.97% 98.38%
Net Income Q/Q Growth		 -36.64% 87.92% -14.32% 12.81% 5.23% -0.08% -9.23% -99.15% 13,936.98% 1.64%
EPS Q/Q Growth		 -36.25% 89.57% -13.50% 14.74% 6.55% 1.18% -8.18% -99.24% 16,000.00% 1.86%
Operating Cash Flow Q/Q Growth		 -1.99% 23.74% -14.75% -22.85% 2.96% 72.47% -12.51% -17.84% 19.61% 30.58%
Free Cash Flow Firm Q/Q Growth		 90.10% -43.30% -53.16% -252.44% -365.41% 135.31% -125.34% 41.50% 2,602.10% -57.39%
Invested Capital Q/Q Growth		 -3.69% 11.59% -2.33% 1.71% 6.96% -6.40% 2.71% -2.09% -4.86% 7.38%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 29.43% 59.04% 35.58% 38.96% 40.98% 42.89% 34.97% 11.03% 43.47% 75.81%
EBIT Margin		 18.17% 46.77% 24.43% 27.71% 29.87% 31.46% 24.35% 0.98% 33.15% 65.24%
Profit (Net Income) Margin		 11.94% 24.21% 18.75% 21.20% 22.01% 22.81% 18.74% 0.15% 21.40% 21.90%
Tax Burden Percent		 65.68% 51.77% 76.73% 76.50% 73.68% 72.52% 76.94% 15.02% 64.57% 33.57%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.32% 17.87% 23.27% 23.50% 23.71% 23.10% 23.06% 84.98% 23.51% 22.37%
Return on Invested Capital (ROIC)		 8.49% 24.81% 12.79% 14.69% 15.65% 16.23% 13.10% 0.11% 18.78% 37.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.49% 20.45% 12.79% 14.69% 15.38% 15.77% 13.10% 0.11% 17.24% 26.53%
Return on Net Nonoperating Assets (RNNOA)		 8.92% 19.97% 13.41% 15.62% 15.79% 15.47% 12.83% 0.10% 15.92% 23.79%
Return on Equity (ROE)		 17.42% 44.78% 26.20% 30.31% 31.44% 31.70% 25.93% 0.21% 34.70% 61.63%
Cash Return on Invested Capital (CROIC)		 21.12% 13.79% 10.84% 6.27% -2.45% 15.12% 9.95% 10.26% 22.75% 14.85%
Operating Return on Assets (OROA)		 3.20% 8.00% 4.28% 5.00% 5.55% 5.77% 4.66% 0.20% 6.88% 13.50%
Return on Assets (ROA)		 2.10% 4.14% 3.28% 3.82% 4.09% 4.19% 3.58% 0.03% 4.44% 4.53%
Return on Common Equity (ROCE)		 17.38% 44.70% 26.17% 30.29% 31.44% 31.70% 25.93% 0.21% 34.70% 61.63%
Return on Equity Simple (ROE_SIMPLE)		 28.15% 0.00% 25.13% 24.89% 24.83% 0.00% 26.83% 20.88% 23.39% 0.00%
Net Operating Profit after Tax (NOPAT)		 80 237 128 145 157 161 138 1.17 195 386
NOPAT Margin		 11.94% 38.41% 18.75% 21.20% 22.79% 24.19% 18.74% 0.15% 25.36% 50.65%
Net Nonoperating Expense Percent (NNEP)		 0.00% 4.36% 0.00% 0.00% 0.27% 0.46% 0.00% 0.00% 1.54% 11.31%
SG&A Expenses to Revenue		 17.04% 17.89% 17.42% 18.01% 17.96% 18.89% 19.13% 18.76% 19.46% 21.70%
Operating Expenses to Revenue		 81.83% 53.23% 75.57% 72.29% 70.13% 68.54% 75.65% 99.02% 66.85% 34.76%
Earnings before Interest and Taxes (EBIT)		 121 289 167 189 206 210 179 7.80 255 498
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 196 365 243 266 283 286 257 88 334 578
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.78 2.50 3.22 3.50 2.96 3.43 4.03 3.82 4.61 3.99
Price to Tangible Book Value (P/TBV)		 3.45 2.96 3.84 4.13 3.41 3.51 4.67 3.91 4.72 4.08
Price to Revenue (P/Rev)		 1.66 1.93 2.30 2.60 2.50 2.60 3.10 2.74 2.96 2.95
Price to Earnings (P/E)		 9.75 10.76 12.76 14.05 11.93 12.30 15.01 18.31 19.70 19.18
Dividend Yield		 1.76% 1.60% 1.36% 1.23% 1.31% 1.28% 1.07% 1.19% 1.15% 1.22%
Earnings Yield		 10.26% 9.30% 7.84% 7.12% 8.38% 8.13% 6.66% 5.46% 5.08% 5.21%
Enterprise Value to Invested Capital (EV/IC)		 1.67 1.63 1.94 2.11 1.94 2.09 2.45 2.32 2.67 2.46
Enterprise Value to Revenue (EV/Rev)		 2.24 2.52 2.87 3.14 3.07 3.11 3.58 3.19 3.41 3.34
Enterprise Value to EBITDA (EV/EBITDA)		 6.63 6.51 8.19 8.77 7.93 7.87 9.50 10.55 10.95 8.14
Enterprise Value to EBIT (EV/EBIT)		 9.70 9.22 12.05 12.76 11.15 10.98 13.32 16.18 16.39 10.90
Enterprise Value to NOPAT (EV/NOPAT)		 13.35 11.94 16.01 16.97 14.48 14.34 17.36 21.29 21.53 14.21
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.87 8.74 10.74 12.43 12.76 12.24 13.99 12.33 12.42 11.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.54 11.80 18.06 34.68 0.00 13.82 25.17 22.67 11.10 16.80
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.25 1.00 1.07 1.01 0.87 0.96 0.90 0.92 0.99 0.84
Long-Term Debt to Equity		 1.25 1.00 1.07 1.01 0.87 0.96 0.90 0.92 0.99 0.84
Financial Leverage		 1.05 0.98 1.05 1.06 1.03 0.98 0.98 0.96 0.92 0.90
Leverage Ratio		 8.28 7.47 7.98 7.93 7.50 7.24 7.23 7.09 6.87 6.85
Compound Leverage Factor		 8.28 7.47 7.98 7.93 7.50 7.24 7.23 7.09 6.87 6.85
Debt to Total Capital		 55.57% 50.08% 51.66% 50.14% 46.51% 48.94% 47.40% 47.85% 49.71% 45.66%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 55.57% 50.08% 51.66% 50.14% 46.51% 48.94% 47.40% 47.85% 49.71% 45.66%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 44.43% 49.92% 48.34% 49.86% 53.49% 51.06% 52.60% 52.15% 50.29% 54.34%
Debt to EBITDA		 2.21 2.00 2.18 2.09 1.90 1.84 1.84 2.18 2.04 1.51
Net Debt to EBITDA		 1.73 1.52 1.63 1.51 1.46 1.29 1.28 1.48 1.45 0.96
Long-Term Debt to EBITDA		 2.21 2.00 2.18 2.09 1.90 1.84 1.84 2.18 2.04 1.51
Debt to NOPAT		 4.44 3.67 4.25 4.04 3.47 3.35 3.36 4.39 4.01 2.64
Net Debt to NOPAT		 3.48 2.79 3.19 2.92 2.66 2.34 2.35 2.98 2.86 1.68
Long-Term Debt to NOPAT		 4.44 3.67 4.25 4.04 3.47 3.35 3.36 4.39 4.01 2.64
Noncontrolling Interest Sharing Ratio		 0.20% 0.18% 0.12% 0.06% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 430 244 73 -112 -520 183 -44 -26 647 275
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 63.28 36.06 10.95 -16.70 -78.35 27.86 -6.52 -4.24 106.12 45.38
Operating Cash Flow to Interest Expense		 24.52 30.49 26.30 20.30 21.07 36.60 31.15 28.41 34.02 44.58
Operating Cash Flow Less CapEx to Interest Expense		 24.52 30.49 26.30 20.30 21.07 36.60 31.15 28.41 34.02 44.58
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.18 0.17 0.18 0.18 0.19 0.18 0.19 0.20 0.21 0.21
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 3,646 4,069 3,974 4,042 4,323 4,046 4,156 4,069 3,871 4,157
Invested Capital Turnover		 0.71 0.65 0.68 0.69 0.69 0.67 0.70 0.73 0.74 0.75
Increase / (Decrease) in Invested Capital		 -351 -6.84 55 256 677 -22 182 27 -452 111
Enterprise Value (EV)		 6,087 6,625 7,727 8,514 8,392 8,476 10,179 9,433 10,344 10,234
Market Capitalization		 4,499 5,077 6,189 7,050 6,850 7,090 8,802 8,113 8,969 9,024
Book Value per Share		 $43.25 $55.05 $52.42 $55.64 $64.65 $58.97 $62.66 $61.66 $57.55 $67.69
Tangible Book Value per Share		 $34.82 $46.56 $43.95 $47.13 $56.12 $57.68 $54.06 $60.34 $56.21 $66.34
Total Capital		 3,646 4,069 3,974 4,042 4,323 4,046 4,156 4,069 3,871 4,157
Total Debt		 2,026 2,037 2,053 2,026 2,011 1,980 1,970 1,947 1,924 1,898
Total Long-Term Debt		 2,026 2,037 2,053 2,026 2,011 1,980 1,970 1,947 1,924 1,898
Net Debt		 1,588 1,548 1,538 1,465 1,542 1,386 1,377 1,320 1,374 1,210
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 88 0.00 0.00 5.39 9.19 0.00 0.00 30 219
Net Nonoperating Obligations (NNO)		 2,026 2,037 2,053 2,026 2,011 1,980 1,970 1,947 1,924 1,898
Total Depreciation and Amortization (D&A)		 75 76 76 77 77 76 78 80 79 81
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.38 $4.01 $3.39 $3.97 $4.23 $4.30 $3.94 $0.03 $4.84 $4.92
Adjusted Weighted Average Basic Shares Outstanding		 37.44M 38.00M 36.71M 36.22M 35.76M 35.95M 34.88M 34.38M 33.83M 34.14M
Adjusted Diluted Earnings per Share		 $1.37 $4.00 $3.38 $3.97 $4.23 $4.28 $3.93 $0.03 $4.83 $4.92
Adjusted Weighted Average Diluted Shares Outstanding		 37.54M 38.11M 36.80M 36.29M 35.82M 36.03M 34.94M 34.38M 33.89M 34.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 36.90M 36.65M 36.23M 35.77M 35.03M 34.85M 34.41M 33.83M 33.37M 33.25M
Normalized Net Operating Profit after Tax (NOPAT)		 119 237 128 154 157 161 138 194 195 386
Normalized NOPAT Margin		 17.85% 38.41% 18.75% 22.61% 22.79% 24.19% 18.74% 24.33% 25.36% 50.65%
Pre Tax Income Margin		 18.17% 46.77% 24.43% 27.71% 29.87% 31.46% 24.35% 0.98% 33.15% 65.24%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 17.81 42.67 24.95 28.25 31.12 31.81 26.47 1.28 41.78 81.97
NOPAT to Interest Expense		 11.70 35.05 19.15 21.61 23.74 24.46 20.37 0.19 31.96 63.63
EBIT Less CapEx to Interest Expense		 17.81 42.67 24.95 28.25 31.12 31.81 26.47 1.28 41.78 81.97
NOPAT Less CapEx to Interest Expense		 11.70 35.05 19.15 21.61 23.74 24.46 20.37 0.19 31.96 63.63
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 18.00% 17.94% 17.82% 17.63% 15.89% 16.25% 16.38% 22.19% 23.16% 23.98%
Augmented Payout Ratio		 93.24% 94.23% 88.79% 82.49% 74.14% 81.30% 84.41% 119.43% 122.68% 115.03%

Frequently Asked Questions About Primerica's Financials

When does Primerica's fiscal year end?

According to the most recent income statement we have on file, Primerica's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Primerica's net income changed over the last 9 years?

Primerica's net income appears to be on an upward trend, with a most recent value of $470.52 million in 2024, rising from $189.87 million in 2015. The previous period was $576.60 million in 2023.

How has Primerica revenue changed over the last 9 years?

Over the last 9 years, Primerica's total revenue changed from $1.37 billion in 2015 to $3.06 billion in 2024, a change of 123.5%.

How much debt does Primerica have?

Primerica's total liabilities were at $12.32 billion at the end of 2024, a 4.9% decrease from 2023, and a 30.2% increase since 2015.

How much cash does Primerica have?

In the past 9 years, Primerica's cash and equivalents has ranged from $152.29 million in 2015 to $687.82 million in 2024, and is currently $687.82 million as of their latest financial filing in 2024.

How has Primerica's book value per share changed over the last 9 years?

Over the last 9 years, Primerica's book value per share changed from 23.69 in 2015 to 67.69 in 2024, a change of 185.7%.

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This page (NYSE:PRI) was last updated on 4/16/2025 by MarketBeat.com Staff
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