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Primerica (PRI)
NYSE:PRI
Earnings Data
Report Date
May 11, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
5.54Last Year’s EPS
5.02Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized multiple record financial metrics, strong growth and profitability driven by the ISP segment, improved return on adjusted equity, healthy client asset growth, and disciplined capital returns—highlighting the company's balanced fee-based model and strong liquidity. Offsetting factors include weaker Term Life sales and recruiting versus 2024, elevated lapse/persistency considerations, expense growth from technology and scaling investments, and sensitivity to equity markets. Management provided conservative 2026 guidance for policy growth and ISP sales while outlining initiatives to drive recruiting, productivity and technology-led efficiencies.Company Guidance
Record Financial Performance
Full-year adjusted net operating income of $751 million, up 10% year-over-year; record adjusted operating revenues of $3.3 billion, up 8%; diluted adjusted operating income per share of $22.92, up 16% year-over-year. Fourth quarter adjusted net operating income rose 16% and fourth quarter diluted adjusted operating income per share increased 22%.
Strong ISP (Investment & Savings Products) Momentum
ISP full-year sales of $14.9 billion, up 24% year-over-year; Q4 ISP sales $4.1 billion, up 24% versus 2024. Q4 ISP operating revenues were $340 million, up 19%; Q4 ISP pre-tax income rose 23% to $101 million. ISP now represents 38% of consolidated operating revenues (from 32% in 2022). Annual net inflows of $1.7 billion and expected ISP sales growth of ~5%–7% in 2026, with strong tailwinds from demographic trends and product demand.
Client Assets and Market-Driven Growth
Client asset values reached $129 billion at year-end, up 15% versus 12/31/2024, supported by sustained equity market momentum and annual net inflows of $1.7 billion.
Improved Return on Adjusted Equity and Capital Deployment
Return on adjusted equity increased 200 basis points to 33.1%. Returned approximately 79% of net operating income in 2025 via share repurchases and dividends; buyback increased from $4.50 to $4.75 and the dividend was increased by 15%.
Term Life Revenue Resilience and Margin Stability
Despite policy issuance declines, adjusted direct premiums (ADP) and direct premiums grew; Q4 adjusted direct premiums totaled $457 million. Q4 Term Life pre-tax income was $147 million, up 5% year-over-year. Term Life operating margin remained stable at 21.5% (vs. 21.3% prior period) and benefit & claims ratio improved to 57.8% from 58.6%.
Strong Balance Sheet and Liquidity
Holding company cash and invested assets of $521 million at year-end; Primerica Life estimated RBC ratio of 455%. Invested asset portfolio duration 5.2 years, average quality A, average credit rating A+ on new purchases, and average yield on new investment purchases of 4.92% for the quarter.
Mortgage and Canadian Referral Growth
U.S. mortgage activity: nearly 3,500 licensed reps closed over $500 million in mortgage loan volume in 2025, up 26% year-over-year. Canadian mortgage referral volume grew more than 18% year-over-year.
Operational Cash Conversion and Consistent Returns
Historically consistent cash conversion around ~80%; management emphasized continued high conversion and disciplined capital deployment to shareholders while investing organically in growth and technology.
PRI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PRI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 11, 2026 | $252.28 | $248.89 | -1.35% |
Nov 05, 2025 | $253.08 | $248.17 | -1.94% |
Jun 30, 2025 | $270.26 | $274.61 | +1.61% |
May 07, 2025 | $262.38 | $267.59 | +1.99% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Primerica (PRI) report earnings?
Primerica (PRI) is schdueled to report earning on May 11, 2026, After Close (Confirmed).
What is Primerica (PRI) earnings time?
Primerica (PRI) earnings time is at May 11, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is PRI EPS forecast?
PRI EPS forecast for the fiscal quarter 2026 (Q1) is 5.54.