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Primerica Inc

Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. It operates in three segments: Term Life Insurance; Investment and Savings Products; 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; and offers segregated funds. 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 and accidental death, and disability insurance. It distributes and sells its products through licensed sales representatives to middle-income households. Primerica, Inc. was founded in 1927 and is headquartered in Duluth, Georgia.

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Life Insurers Post Mixed Q2 as Unum Revenue Falls 12.3%

Life insurance stocks reported mixed second-quarter results, with the 12 companies tracked missing analysts' consensus revenue estimates by 8.2%. Unum Group posted revenue of $2.96 billion, down 12.3% year over year and 2% below expectations, while Horace Mann Educators was the best performer with revenue up 7.7% to $443.5 million. Brighthouse Financial was the weakest, with revenue down 2.4% to $2.10 billion and a significant miss on earnings per share. MetLife revenue rose 6.4% to $19.08 billion but lagged estimates by 2.2%, and Primerica revenue increased 8.5% to $863.4 million, meeting expectations. Share prices across the group have held relatively steady since the earnings reports.
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PRI

Primerica Posts Q2 CY2026 Sales In Line With Estimates

Primerica met Wall Street's revenue expectations in the second quarter of 2026, reporting sales of $865.1 million, an 8.7% increase year on year. The company's adjusted earnings per share of $6.41 beat analyst estimates by 6.6%, while net premiums earned of $435.5 million missed expectations by 3.1%. Book value per share came in at $79.06, slightly below the $80.12 consensus, and the stock remained flat at $320.62 after the release.
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Primerica Household Budget Index Falls to 98.3% in May as Gas Prices Weigh on Purchasing Power

The Primerica Household Budget Index, which measures the purchasing power of middle-income families, fell to 98.3% in May, down 1.1% from April and 1.7% from a year ago. Gas prices remained the primary drag, rising 8.6% year-over-year in May, though that growth slowed from 11% in April. Earned income for middle-income Americans increased 0.2% month-over-month and 2.5% year-over-year. The cost of necessity items tracked by the index, including food, utilities, gas, auto insurance, and health care, was up 6.2% from a year ago, while the broader Consumer Price Index rose 4.2% over the same period.
Business Wire·58dRead more ▾
PRI4

Q1 Life Insurance Earnings: Aflac Misses, Primerica Leads, Brighthouse Lags

The first-quarter life insurance earnings season saw mixed results, with the 12 tracked stocks collectively beating revenue estimates by 3.1% while share prices rose 7.3% on average. Aflac reported revenues of $4.24 billion, down 1.8% year on year and missing analyst expectations by 1.7%, though it beat book value per share estimates. Primerica was the best performer with revenues of $872.3 million, up 8.6% year on year and beating estimates by 1.9%, while Brighthouse Financial was the weakest, posting revenues of $2.10 billion, down 2.7% and missing estimates by 4.8%. Jackson Financial delivered the largest revenue beat at 49.8% but saw the slowest revenue growth, and Equitable Holdings had the weakest performance against analyst estimates with a 7.3% revenue miss.
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StockStory Highlights Two Insurance Stocks with Strong Fundamentals and One to Avoid

StockStory identifies two insurance stocks with durable advantages and one facing headwinds. Primerica and RenaissanceRe are highlighted for their solid fundamentals, while MGIC Investment is flagged as a stock to sell. Primerica posted annual revenue growth of 9% over the last two years and expanding pre-tax profits, while RenaissanceRe achieved 17.4% annualized net premiums earned growth over five years and a pre-tax profit margin expansion of 27.8 percentage points. In contrast, MGIC Investment saw net premiums earned contract by 1.2% annually over five years and earnings per share growth of just 9.4% annually over the last two years, underperforming the sector. The broader insurance industry has shed 4.9% over the past six months, compared to the S&P 500's 9% gain.
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Primerica Shares Align with Market, But Soft Premium Growth Raises Caution

Primerica shares have gained 8.8% over the last six months, nearly matching the S&P 500's 8.9% return, leaving investors weighing whether to buy, sell, or hold after its first-quarter earnings. The company, which serves middle-income households through over 140,000 licensed independent representatives, has posted a five-year compounded annual revenue growth rate of 7.7%, slightly above the insurance industry average, and an exceptional average return on equity of 28.2% over the same period, far exceeding the sector's typical 12.5%. However, net premiums earned have grown at just a 3.2% annualized rate over the past two years, lagging the broader industry and signaling softer demand. At $281.69 per share, or 3.2 times forward price-to-book value, the stock presents a mixed picture of strong profitability against tepid premium expansion.
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