PRIMERICA, INC. |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 225.9 USD | +0.52% |
|
-0.73% | +9.78% |
| May. 24 | Primerica Insider Sold Shares Worth $341,160, According to a Recent SEC Filing | MT |
| May. 08 | Transcript : Primerica, Inc. - Shareholder/Analyst Call |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Capitalization 1 | 5,400 | 5,264 | 6,053 | 5,233 | 7,209 | 7,773 | - | - |
| Enterprise Value (EV) 1 | 5,400 | 5,638 | 6,645 | 5,233 | 7,209 | 7,773 | 7,773 | 7,773 |
| P/E ratio | 15.1 x | 14 x | 16.3 x | 14.6 x | 12.9 x | 12.8 x | 11.4 x | 10.5 x |
| Yield | 1.04% | 1.25% | 1.23% | 1.55% | 1.26% | 1.33% | 1.49% | 1.65% |
| Capitalization / Revenue | 2.63 x | 2.37 x | 2.23 x | 1.92 x | 2.56 x | 2.59 x | 2.47 x | 2.36 x |
| EV / Revenue | 2.63 x | 2.37 x | 2.23 x | 1.92 x | 2.56 x | 2.59 x | 2.47 x | 2.36 x |
| EV / EBITDA | 7,486,196 x | - | - | - | - | - | - | - |
| EV / FCF | - | - | 9.57 x | - | - | 15.5 x | - | - |
| FCF Yield | - | - | 10.4% | - | - | 6.43% | - | - |
| Price to Book | 3.26 x | 2.87 x | 2.9 x | 3.03 x | 3.49 x | 3.35 x | 3.06 x | 2.75 x |
| Nbr of stocks (in thousands) | 41,360 | 39,303 | 39,490 | 36,898 | 35,034 | 34,411 | - | - |
| Reference price 2 | 130.6 | 133.9 | 153.3 | 141.8 | 205.8 | 225.9 | 225.9 | 225.9 |
| Announcement Date | 2/11/20 | 2/9/21 | 2/14/22 | 2/23/23 | 2/13/24 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 2,053 | 2,218 | 2,710 | 2,720 | 2,816 | 3,000 | 3,146 | 3,287 |
| EBITDA | 721.3 | - | - | - | - | - | - | - |
| EBIT 1 | 505.9 | 535.6 | 636.6 | 594.2 | 784.6 | 811.8 | 869.4 | - |
| Operating Margin | 24.65% | 24.15% | 23.49% | 21.84% | 27.87% | 27.06% | 27.64% | - |
| Earnings before Tax (EBT) 1 | 477.1 | 506.7 | 511.2 | 493.7 | 751.7 | 792.5 | 850.9 | 891.5 |
| Net income 1 | 366.4 | 386.2 | 373.4 | 373 | 576.6 | 612.4 | 651.9 | 681 |
| Net margin | 17.85% | 17.41% | 13.78% | 13.71% | 20.48% | 20.41% | 20.72% | 20.71% |
| EPS 2 | 8.620 | 9.570 | 9.380 | 9.740 | 15.94 | 17.69 | 19.79 | 21.55 |
| Free Cash Flow 1 | - | - | 632.3 | - | - | 500 | - | - |
| FCF margin | - | - | 23.33% | - | - | 16.66% | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | 169.35% | - | - | 81.65% | - | - |
| Dividend per Share 2 | 1.360 | 1.670 | 1.880 | 2.200 | 2.600 | 2.997 | 3.360 | 3.730 |
| Announcement Date | 2/11/20 | 2/9/21 | 2/14/22 | 2/23/23 | 2/13/24 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 | 2025 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 724.1 | 691.2 | 668.7 | 673.3 | 686.9 | 690 | 688.4 | 710.9 | 726.3 | 742.8 | 739.7 | 748.7 | 764.9 | 782.7 | 781.2 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | 159.5 | 116 | 150.8 | 155.5 | 171.9 | 174.8 | 196.8 | - | 201.6 | 184.8 | 206.3 | 213.1 | 207.6 | 203.8 | 220.1 |
| Operating Margin | 22.03% | 16.79% | 22.56% | 23.09% | 25.02% | 25.33% | 28.58% | - | 27.75% | 24.88% | 27.89% | 28.46% | 27.14% | 26.04% | 28.18% |
| Earnings before Tax (EBT) 1 | 66.3 | 103 | 137.3 | 85.9 | 167.5 | 163.1 | 188.9 | 198.8 | 197 | 179.2 | 202 | 207.2 | 209.1 | 197.7 | 211.4 |
| Net income 1 | 34.87 | 81.42 | 107.9 | 51.81 | 131.8 | 125.1 | 144.5 | 152.1 | 151.9 | 137.9 | 155.3 | 159.1 | 160.1 | 151.5 | 161.8 |
| Net margin | 4.82% | 11.78% | 16.14% | 7.69% | 19.19% | 18.13% | 20.99% | 21.39% | 20.92% | 18.56% | 20.99% | 21.24% | 20.94% | 19.36% | 20.71% |
| EPS 2 | 0.8700 | 2.060 | 2.790 | 1.370 | 3.540 | 3.380 | 3.970 | 4.230 | 4.300 | 3.930 | 4.485 | 4.642 | 4.732 | 4.540 | 4.867 |
| Dividend per Share 2 | 0.4700 | 0.5500 | 0.5500 | 0.5500 | 0.5500 | 0.6500 | 0.6500 | 0.6500 | 0.6500 | - | 0.7500 | 0.7500 | 0.7500 | - | - |
| Announcement Date | 2/14/22 | 5/5/22 | 8/8/22 | 11/8/22 | 2/23/23 | 5/8/23 | 8/7/23 | 11/7/23 | 2/13/24 | 5/6/24 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net Debt | - | 374 | 592 | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - |
| Free Cash Flow 1 | - | - | 632 | - | - | 500 | - | - |
| ROE (net income / shareholders' equity) | 23.5% | 22.5% | 23.6% | 19.6% | 28.4% | 26.8% | 27.9% | 27.9% |
| ROA (Net income/ Total Assets) | - | - | - | - | - | - | - | - |
| Assets 1 | - | - | - | - | - | - | - | - |
| Book Value Per Share 2 | 40.10 | 46.70 | 52.90 | 46.70 | 59.00 | 67.50 | 73.90 | 82.10 |
| Cash Flow per Share | - | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - | - |
| Announcement Date | 2/11/20 | 2/9/21 | 2/14/22 | 2/23/23 | 2/13/24 | - | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
B
Sell
Buy
Mean consensus
HOLD
Number of Analysts
6
Last Close Price
225.9
USD
Average target price
252.5
USD
Spread / Average Target
+11.78%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| +9.78% | 7.77B | |
| +6.87% | 101B | |
| +12.65% | 101B | |
| -10.65% | 86.29B | |
| +25.23% | 76.75B | |
| +21.03% | 34.44B | |
| +21.52% | 30.89B | |
| +13.27% | 29.37B | |
| -1.95% | 16.64B | |
| -15.35% | 14.17B |
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- Financials Primerica, Inc.
