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Primerica, Inc.

PRI

Life Insurance

Mkt Cap

$8.785B

PE

15.84

Debt

-

Cash

$468.8M

EV

-

FCF

-

Market Cap

$8.785B

P/E Ratio

15.84

Debt

-

Cash

$468.8M

EV

-

FCF

-
Charts data: {"Earnings":[{"time":"2014-12-30","value":181412000},{"time":"2015-12-30","value":188299000},{"time":"2016-12-30","value":217579000},{"time":"2017-12-30","value":347729000},{"time":"2018-12-30","value":322201000},{"time":"2019-12-30","value":364737000},{"time":"2020-12-30","value":384493000},{"time":"2021-12-30","value":371824000},{"time":"2022-12-30","value":367974000}],"Sales":[{"time":"2014-12-30","value":1340030000},{"time":"2015-12-30","value":1405314000},{"time":"2016-12-30","value":1519084000},{"time":"2017-12-30","value":1689102000},{"time":"2018-12-30","value":1899843000},{"time":"2019-12-30","value":2052504000},{"time":"2020-12-30","value":2217541000},{"time":"2021-12-30","value":2709732000},{"time":"2022-12-30","value":2720133000}],"Net Margins":[{"time":"2014-12-30","value":0.1353790586777908},{"time":"2015-12-30","value":0.13399069531791472},{"time":"2016-12-30","value":0.14323039410592173},{"time":"2017-12-30","value":0.20586619398946895},{"time":"2018-12-30","value":0.16959348746185868},{"time":"2019-12-30","value":0.17770342956700694},{"time":"2020-12-30","value":0.17338709859254012},{"time":"2021-12-30","value":0.1372179979422319},{"time":"2022-12-30","value":0.13527794412993777}],"Assets":[{"time":"2014-12-30","value":10738114000},{"time":"2015-12-30","value":10612119000},{"time":"2016-12-30","value":11438943000},{"time":"2017-12-30","value":12460703000},{"time":"2018-12-30","value":12595048000},{"time":"2019-12-30","value":13688531000},{"time":"2020-12-30","value":14905285000},{"time":"2021-12-30","value":16123223000},{"time":"2022-12-30","value":15348877000}],"Stockholders Equity":[{"time":"2014-12-30","value":1245126000},{"time":"2015-12-30","value":1145772000},{"time":"2016-12-30","value":1221374000},{"time":"2017-12-30","value":1419101000},{"time":"2018-12-30","value":1461513000},{"time":"2019-12-30","value":1652491000},{"time":"2020-12-30","value":1835885000},{"time":"2021-12-30","value":2082512000},{"time":"2022-12-30","value":1721499000}],"ROE":[{"time":"2014-12-30","value":0.14569770448934485},{"time":"2015-12-30","value":0.16434246953146},{"time":"2016-12-30","value":0.1781428129303555},{"time":"2017-12-30","value":0.2450347085936801},{"time":"2018-12-30","value":0.22045715638519808},{"time":"2019-12-30","value":0.22071950770079837},{"time":"2020-12-30","value":0.20943196333103653},{"time":"2021-12-30","value":0.17854590993953456},{"time":"2022-12-30","value":0.2137520846657477}],"ROA":[{"time":"2014-12-30","value":0.028896322017069292},{"time":"2015-12-30","value":0.030577116596600548},{"time":"2016-12-30","value":0.02951277928389013},{"time":"2017-12-30","value":0.030457350600523903},{"time":"2018-12-30","value":0.0330355231675179},{"time":"2019-12-30","value":0.03485479924763293},{"time":"2020-12-30","value":0.0339966662831338},{"time":"2021-12-30","value":0.0317040209640467},{"time":"2022-12-30","value":0.03216841206037419}]}

Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings Products; Senior Health; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities. The Senior Health segment offers segregated funds; and medicare advantage and supplement products. The Corporate and Other Distributed Products segment provides mortgage loans; prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters; ID theft defense services; auto and homeowners' insurance; home automation solutions; and insurance products, including supplemental health and accidental death. It distributes and sells its products through licensed sales representatives. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.

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In the chart Earnings are multiplied by this value.

Earnings Growth 11%
Earnings Stability 70%


Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12-201412-201512-201612-201712-201812-201912-202012-202112-2022TTM
Net Margin14%13%14%21%17%18%17%14%14%20%
ROA2.9%3.1%3%3%3.3%3.5%3.4%3.2%3.2%5%
ROE15%16%18%25%22%22%21%18%21%24%

What is the average Net Margin?

The average Net Margin over the past 5 years is +16.65%.

What is the trend of Net Margin?

The trend of Net Margin over the past 5 years is -1.3%.

What is the average Return on Assets (ROA)?

The average ROA over the past 5 years is +3.27%.

What is the trend of Return on Assets (ROA)?

The trend of ROA over the past 5 years is +0.01%.

What is the average Return on Equity (ROE)?

The average ROE over the past 5 years is +21.47%.

What is the trend of Return on Equity (ROE)?

The trend of ROE over the past 5 years is -0.84%.


Safety & Stabiliy

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12-201412-201512-201612-201712-201812-201912-202012-202112-2022TTM
Debt FCF----------
Debt Equity----------
MIN
Graham Stability---100%100%100%100%100%98%98%

What is the Debt/FCF?

The Debt/FCF trailing twelve month is -.

What is the trend of Debt/FCF?

The trend of Debt/FCF over the past 5 years is -.

What is the Graham’s Stability?

Graham’s Stability measure stands at 0.98.


Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12-201512-201712-201912-2021Trend
Revenue9.9%10%9.8%0.38%0.3%
Net Income10%1.1%0.29%-1%-3.2%
Stockholders Equity6%3.9%1.4%-17%-0.43%
FCF-----

What is the 5 year Revenue CAGR?

The Revenue CAGR over the past 5 years is +10%.

What is the trend of Revenue growth?

The trend of Revenue growth rate over the past 5 years is +0.3%.

What is the 5 year Earnings CAGR?

The Earnings CAGR over the past 5 years is +1.14%.

What is the trend of Earnings growth?

The trend of Earnings growth rate over the past 5 years is -3.22%.

What is the 5 year Equity CAGR?

The Equity CAGR over the past 5 years is +3.94%.

What is the trend of Equity growth?

The trend of Equity growth rate over the past 5 years is -0.43%.

What is the 5 year FCF CAGR?

The FCF CAGR over the past 5 years is -.

What is the trend of FCF growth?

The trend of FCF growth rate over the past 5 years is -.