Should You Buy Primerica Inc (PRI) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Buy
Latest Price
259.440
1 Day change
1.28%
52 Week Range
298.750
Analysis Updated At
2026/01/26
Primerica Inc (PRI) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. Despite some bearish technical indicators, the company's strong financial performance, hedge fund buying activity, and positive long-term growth prospects make it a solid choice for long-term investment.
Technical Analysis
The technical indicators show bearish momentum with a negatively expanding MACD (-0.906), RSI at 26.412 (neutral zone), and bearish moving averages (SMA_200 > SMA_20 > SMA_5). The stock is trading below key pivot levels, with support at 256.022 and resistance at 268.788.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Technical Summary
Sell
7
Buy
4
Positive Catalysts
Hedge funds are significantly increasing their buying activity (+2734.84% last quarter).
Strong financial performance in Q3 2025, with revenue up 8.49% YoY, net income up 25.86% YoY, and EPS up 31.47% YoY.
Positive stock trend analysis indicates a 60% chance of 8.5% growth in the next month.
Analysts have lowered price targets recently, reflecting cautious sentiment.
No recent news or congress trading data to provide additional positive momentum.
Financial Performance
In Q3 2025, Primerica reported strong financial growth: Revenue increased by 8.49% YoY to $839.85M, net income rose by 25.86% YoY to $206.12M, and EPS surged by 31.47% YoY to 6.35. This demonstrates robust profitability and operational efficiency.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Analysts have recently lowered price targets (e.g., Morgan Stanley reduced the target from $301 to $292 and Keefe Bruyette reduced it from $320 to $315). The ratings remain neutral (Equal Weight or Market Perform), reflecting cautious optimism but no strong buy signals.
Wall Street analysts forecast PRI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PRI is 303.5 USD with a low forecast of 267 USD and a high forecast of 340 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Analyst Rating
Wall Street analysts forecast PRI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PRI is 303.5 USD with a low forecast of 267 USD and a high forecast of 340 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Buy
4 Hold
0 Sell
Hold
Current: 256.160
Low
267
Averages
303.5
High
340
Current: 256.160
Low
267
Averages
303.5
High
340
Morgan Stanley
Bob Huang
Equal Weight
downgrade
$301 -> $292
AI Analysis
2025-12-15
Reason
Morgan Stanley
Bob Huang
Price Target
$301 -> $292
AI Analysis
2025-12-15
downgrade
Equal Weight
Reason
Morgan Stanley analyst Bob Huang lowered the firm's price target on Primerica to $292 from $301 and keeps an Equal Weight rating on the shares. Lower interest rates and a steady or better equity market should serve as the broader macro backdrops and 2026 should see "similar fundamental trends as 2025," the analyst tells investors in a life insurance group outlook note.
Morgan Stanley
Bob Huang
Equal Weight
downgrade
$306 -> $301
2025-11-17
Reason
Morgan Stanley
Bob Huang
Price Target
$306 -> $301
2025-11-17
downgrade
Equal Weight
Reason
Morgan Stanley analyst Bob Huang lowered the firm's price target on Primerica to $301 from $306 and keeps an Equal Weight rating on the shares. The firm updated models in the insurance space post the Q3 reports. Life insurance earnings reports were better than what share price reactions would suggest, the analyst tells investors in a research note. For property and casualty, Morgan Stanley sees a softening cycle heading into 2026.
Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for PRI
