The earnings call reflected a strong financial performance with robust growth in the ISP segment and successful capital returns to stockholders. However, challenges were evident in the decline of Term Life insurance sales, elevated lapse rates, and recruiting difficulties. The company remains optimistic about long-term growth despite these headwinds.

Company Guidance -

Q3 2025

During Primerica's Second Quarter 2025 earnings call, the company reported robust financial metrics, including a 6% year-over-year increase in adjusted net operating income to $180 million and a 10% rise in diluted adjusted operating EPS to $5.46. The company returned $163 million to stockholders through share repurchases and dividends. Recruitment efforts were strong, with over 80,000 new recruits and nearly 13,000 newly licensed representatives, though down 10% from the previous year's record. Life insurance policies issued declined by 11% year-over-year, but the total face amount in force reached a record $968 billion. Investment and Savings Products (ISP) sales surged 15% to $3.5 billion, and client asset values increased 14% to $120 billion, with expectations for full-year ISP sales growth exceeding 10%. The mortgage business also showed significant growth, with U.S. closed loan volume up 33% year-over-year. The company maintained a strong capital position, with Primerica Life's estimated RBC ratio at 490%, and reiterated its full-year expense growth outlook of 6% to 8%.

Strong Financial Performance

Adjusted net operating income reached $180 million, a 6% increase year-over-year, with diluted adjusted operating EPS up 10% to $5.46.

Robust ISP Sales Growth

Total sales in the Investment Savings Products (ISP) segment rose by 15% to $3.5 billion, with net inflows of $487 million compared to $227 million in the prior year.

Record Capital Return to Stockholders

The company returned $163 million to stockholders through $129 million in share repurchases and $34 million in dividends.

Mortgage Business Growth

Closed loan volume in the U.S. increased by 33% year-over-year to $133 million, and Canada's referral program closed $45 million, up 30% from the previous year.

Primerica (PRI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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PRI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 05, 2025	2025 (Q3)	5.50 / -	5.68	―	―	―
Jun 30, 2025	2025 (Q2)	5.21 / 5.46	4.71	15.92% (+0.75)	―	―
May 07, 2025	2025 (Q1)	4.78 / 5.02	3.91	28.39% (+1.11)
Feb 11, 2025	2024 (Q4)	4.98 / 5.03	4.25	18.35% (+0.78)
Nov 06, 2024	2024 (Q3)	4.81 / 5.68	4.28	32.71% (+1.40)
Aug 07, 2024	2024 (Q2)	4.47 / 4.71	3.99	18.05% (+0.72)
May 06, 2024	2024 (Q1)	4.12 / 3.91	3.49	12.03% (+0.42)
Feb 13, 2024	2023 (Q4)	4.27 / 4.25	3.49	21.78% (+0.76)
Nov 07, 2023	2023 (Q3)	4.03 / 4.28	3.02	41.72% (+1.26)
Aug 07, 2023	2023 (Q2)	3.81 / 3.99	2.86	39.51% (+1.13)

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
Jun 30, 2025	$273.67	$278.07	+1.61%
May 07, 2025	$265.68	$270.96	+1.99%
Feb 11, 2025	$287.96	$276.83	-3.87%
Nov 06, 2024	$287.93	$287.58	-0.12%

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 Nov 05, 2025, After Close (Confirmed).

What is Primerica (PRI) earnings time?

Primerica (PRI) earnings time is at Nov 05, 2025, 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 2025 (Q3) is 5.5.

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