PRI · NYSE · STOCK
Primerica (PRI) Stock Analysis
$310.24
52W $230.09 – $327.28
62/100
$9.78B
12.6
0.87
Is PRI Bullish or Bearish?
Bullish.
Innellis AI committee rates Primerica (PRI) Buy with a composite score of 62/100
, based on 6 analysts with 83% agreement.
Last updated August 18, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +12.57 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -7.43 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — current ratio of 0.04 is tight -- limited short-term liquidity cushion. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 12.0 is inexpensive for the broad market — Value
- ROE of 32.6% shows genuine earnings power backing the valuation — Value
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.04 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 18, 2026
Overall Committee Score
62/100
Agreement
83%
Analysts
6
Conviction
Contested
Sector Rank
Top 54%
of 209 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.0 is inexpensive for the broad market
Growth Analyst
bullish
68
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.04 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2963.04)
Investment Thesis Evolution
Committee score moved marginally from 62.4 to 62.4.
Comparing 2026-08-17 to 2026-08-18 (1 day apart).
Technical Analysis
RSI (14)
46.3
Neutral
MACD Histogram
-2.099
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.38
Inside Bands
Price vs Moving Averages
EMA 9
$314.97
Below
EMA 21
$313.30
Below
EMA 50
$302.65
Above
EMA 200
$279.51
Above
Fundamental Analysis
Valuation
88
Growth
86
Profitability
88
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
12.6×
P/B Ratio
3.88×
PEG Ratio
0.55
Dividend Yield
1.43%
52W High
$327.28
52W Low
$230.09
Quality & Growth
ROE
3071.4%
ROA
500.4%
Gross Margin
7213.6%
Operating Margin
3018.8%
Revenue Growth YoY
—
Debt / Equity
0.25
AI Fundamental Assessment
P/E ratio of 12.6 (inexpensive relative to a 15-40x range); Price-to-book of 3.9x; PEG ratio of 0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 30.7%; Return on assets of 5.0%; Net margin of 23.4%; Gross margin of 72.1%; Current ratio of 6.84 (healthy short-term liquidity); Debt-to-equity of 0.25; Free cash flow per share is positive (27.56); Most recent quarter beat estimates by 5.3%; 5 consecutive earnings beats; EPS growth accelerating (-2.8% -> +7.6% QoQ); Average YoY EPS growth of 17.4%; Analyst estimates rising over recent quarters
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