Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

Primerica, Inc.
Next earnings Aug 4, 2026 (after close) · consensus $5.99 EPS, $865M rev
Last earnings -0.2% on 2026-05-06
Capital-light term-life and investment distributor compounding at 30.7% ROE, buying back ~5% of shares, at just 12.3x earnings.
Sources: SEC EDGAR (CIK 0001475922, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/21/2026, 8:51:54 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Quality fundamentals and an attractive price line up (~206% below fair value) — the rarer case where both the business and the entry look good.
Primerica is a high-return, capital-light financial-services distributor: it sells term life insurance and investment/savings products to middle-income North American households through a large independent sales force. FY2025 was excellent — revenue rose 6.6% to $3.29B and net income jumped 59.7% to $751M, with diluted EPS up 67.1% to $22.91 (the EPS growth outpacing net income thanks to buybacks). Return on equity is a standout 30.7%, well above typical life insurers, reflecting the asset-light distribution model and growing investment-and-savings fee income.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $2.71B | $2.66B | $2.75B | $3.09B | $3.29B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $476M | $467M | $577M | $471M | $751M |
| Diluted EPS | $11.99 | $12.33 | $15.94 | $13.71 | $22.91 |
| Net margin | 17.6% | 17.6% | 21.0% | 15.2% | 22.8% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1482 tracked peers · median
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Last 90 days: 0 open-market buys · 1 sale
| 2026-06-12 | Yastine Barbara A. Director | Award | 58.30 @ $278.96 | $16.3K |
| 2026-06-12 | Williams Donald R. Director | Award | 42.29 @ $278.96 | $11.8K |
| 2026-06-12 | DAY CYNTHIA N Director | Award | 87.22 @ $278.96 | $24.3K |
| 2026-06-12 | Cottle Amber Lynne Director | Award | 12.47 @ $278.96 | $3.48K |
| 2026-06-12 | Babbit Joel M. Director | Award | 35.61 @ $278.96 | $9.93K |
| 2026-06-12 | Williams Glenn J. Chief Executive Officer | Sell | 1.50K @ $280.49 | $421K |
| 2026-05-21 | DAY CYNTHIA N Director | Award | 640.00 @ $281.06 | $180K |
| 2026-05-21 | Yastine Barbara A. Director | Award | 640.00 @ $281.06 | $180K |
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.