Primerica showed strong financial performance with significant growth in ISP and mortgage segments, and a robust capital return strategy. However, challenges in life sales and recruiting due to economic pressures created a balanced outlook.

Company Guidance

During Primerica's third quarter 2025 earnings call, the company reported a 7% year-over-year increase in adjusted net operating income, reaching $206 million, and an 11% rise in diluted adjusted operating EPS to $6.33. The company returned $163 million to stockholders through $129 million in share repurchases and $34 million in dividends, totaling $479 million year-to-date. Despite a 15% year-over-year decline in new Term Life policies issued, resulting in a total in-force coverage of $967 billion, Primerica's ISP segment saw a 28% sales growth to a record $3.7 billion. The ISP segment's client asset values reached $127 billion, up 14% year-over-year, and the company expects full-year ISP sales growth of around 20%. Primerica's mortgage business showed a 34% increase in closed U.S. mortgage volume year-to-date, and the company plans to boost capital release from its insurance companies in the fourth quarter, maintaining a Primerica Life estimated RBC ratio of 515%. As they approach their 50th anniversary in 2027, Primerica aims to enhance productivity and continue serving middle-income families.

Solid Financial Performance

Adjusted net operating income was $206 million, up 7% year-over-year, with diluted adjusted operating EPS increasing 11% to $6.33.

Strong Capital Return

Returned a total of $163 million to stockholders through $129 million in share repurchases and $34 million in dividends during the quarter, totaling $479 million year-to-date.

Investment and Savings Products (ISP) Growth

Sales grew 28% year-over-year to a record $3.7 billion, with net inflows of $363 million, up from $255 million in the prior year, and client asset values reaching $127 billion, up 14%.

Mortgage Business Expansion

Closed nearly $370 million in U.S. mortgage volume, up 34% compared to the first 9 months of 2024, and expanded operations to 37 states.

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
Feb 17, 2026	2025 (Q4)	5.65 / -	5.03	―	―	―
Nov 05, 2025	2025 (Q3)	5.54 / 6.33	5.68	11.44% (+0.65)
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)

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
Nov 05, 2025	$255.26	$250.31	-1.94%
Jun 30, 2025	$272.60	$276.98	+1.61%
May 07, 2025	$264.64	$269.90	+1.99%
Feb 11, 2025	$286.83	$275.74	-3.87%

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 Feb 17, 2026, After Close (Confirmed).

What is Primerica (PRI) earnings time?

Primerica (PRI) earnings time is at Feb 17, 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 2025 (Q4) is 5.65.

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