PRI PE Ratio & Valuation,Is PRI Overvalued

PRI Relative Valuation

PRI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PRI is overvalued; if below, it's undervalued.

Historical Valuation

Primerica Inc (PRI) is now in the Undervalued zone, suggesting that its current forward PE ratio of 11.12 is considered Undervalued compared with the five-year average of 12.14. The fair price of Primerica Inc (PRI) is between 314.57 to 362.96 according to relative valuation methord. Compared to the current price of 259.46 USD , Primerica Inc is Undervalued By 17.52%.

Relative Value

Fair Zone

314.57-362.96

Current Price：259.46

17.52%

Undervalued

11.12

0.00

EV/EBITDA

Primerica Inc. (PRI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.41. The thresholds are as follows: Strongly Undervalued below -3.36, Undervalued between -3.36 and -1.48, Fairly Valued between 2.29 and -1.48, Overvalued between 2.29 and 4.17, and Strongly Overvalued above 4.17. The current Forward EV/EBITDA of 0.00 falls within the Historic Trend Line -Fairly Valued range.

9.82

EV/EBIT

Primerica Inc. (PRI) has a current EV/EBIT of 9.82. The 5-year average EV/EBIT is 11.16. The thresholds are as follows: Strongly Undervalued below 9.30, Undervalued between 9.30 and 10.23, Fairly Valued between 12.08 and 10.23, Overvalued between 12.08 and 13.01, and Strongly Overvalued above 13.01. The current Forward EV/EBIT of 9.82 falls within the Undervalued range.

2.42

Primerica Inc. (PRI) has a current PS of 2.42. The 5-year average PS is 2.37. The thresholds are as follows: Strongly Undervalued below 1.56, Undervalued between 1.56 and 1.96, Fairly Valued between 2.78 and 1.96, Overvalued between 2.78 and 3.18, and Strongly Overvalued above 3.18. The current Forward PS of 2.42 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Primerica Inc. (PRI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.39. The thresholds are as follows: Strongly Undervalued below -3.25, Undervalued between -3.25 and -1.43, Fairly Valued between 2.21 and -1.43, Overvalued between 2.21 and 4.04, and Strongly Overvalued above 4.04. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

13.02

P/FCF

Primerica Inc. (PRI) has a current P/FCF of 13.02. The 5-year average P/FCF is 8.77. The thresholds are as follows: Strongly Undervalued below -6.29, Undervalued between -6.29 and 1.24, Fairly Valued between 16.29 and 1.24, Overvalued between 16.29 and 23.82, and Strongly Overvalued above 23.82. The current Forward P/FCF of 13.02 falls within the Historic Trend Line -Fairly Valued range.

Primerica Inc (PRI) has a current Price-to-Book (P/B) ratio of 3.61. Compared to its 3-year average P/B ratio of 3.79 , the current P/B ratio is approximately -4.67% higher. Relative to its 5-year average P/B ratio of 3.44, the current P/B ratio is about 5.10% higher. Primerica Inc (PRI) has a Forward Free Cash Flow (FCF) yield of approximately 9.85%. Compared to its 3-year average FCF yield of 9.07%, the current FCF yield is approximately 8.61% lower. Relative to its 5-year average FCF yield of 10.32% , the current FCF yield is about -4.50% lower.

3.61

P/B

Median3y

3.79

Median5y

3.44

9.85

FCF Yield

Median3y

9.07

Median5y

10.32

Competitors Valuation Multiple

The average P/S ratio for PRI's competitors is 1.08, providing a benchmark for relative valuation. Primerica Inc Corp (PRI) exhibits a P/S ratio of 2.42, which is 124.57% above the industry average. Given its robust revenue growth of 8.49%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of PRI decreased by 10.58% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 774.13M to 839.85M.

The secondary factor is the Margin Expansion, contributed -2.15%to the performance.

Overall, the performance of PRI in the past 1 year is driven by Revenue Growth. Which is more sustainable.

8.49%

774.13M → 839.85M

Revenue Growth

-2.15%

25.16 → 24.62

Margin Expansion

-16.92%

14.31 → 11.89

P/E Change

-10.58%

290.17 → 259.46

Mkt Cap Growth

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Frequently Asked Questions

Is Primerica Inc (PRI) currently overvalued or undervalued?

What is Primerica Inc (PRI) fair value?

PRI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Primerica Inc (PRI) is between 314.57 to 362.96 according to relative valuation methord.

How does PRI's valuation metrics compare to the industry average?

What is the current P/B ratio for Primerica Inc (PRI) as of Jan 09 2026?

As of Jan 09 2026, Primerica Inc (PRI) has a P/B ratio of 3.61. This indicates that the market values PRI at 3.61 times its book value.

What is the current FCF Yield for Primerica Inc (PRI) as of Jan 09 2026?

As of Jan 09 2026, Primerica Inc (PRI) has a FCF Yield of 9.85%. This means that for every dollar of Primerica Inc’s market capitalization, the company generates 9.85 cents in free cash flow.

What is the current Forward P/E ratio for Primerica Inc (PRI) as of Jan 09 2026?

As of Jan 09 2026, Primerica Inc (PRI) has a Forward P/E ratio of 11.12. This means the market is willing to pay $11.12 for every dollar of Primerica Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Primerica Inc (PRI) as of Jan 09 2026?

As of Jan 09 2026, Primerica Inc (PRI) has a Forward P/S ratio of 2.42. This means the market is valuing PRI at $2.42 for every dollar of expected revenue over the next 12 months.

PRI Valuation