PRI · NYSE · STOCK
Primerica (PRI) Stock Analysis
$275.60
52W $230.09 – $327.28
60/100
$8.90B
11.4
0.85
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is PRI Bullish or Bearish?
Bullish.
Innellis AI committee rates Primerica (PRI) Buy with a composite score of 60/100
, based on 6 analysts with 50% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.14 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 — -4.86 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 11.3 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
- VIX regime is low -- calm backdrop supports risk-taking — Macro
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 September 22, 2026
Overall Committee Score
60/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 62%
of 211 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 11.3 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
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− 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
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 60.4 to 59.9.
- Conviction changed from moderate to contested.
- Committee agreement fell notably from 67% to 50%.
- New bearish signals: 2 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: News Analyst.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- News Analyst: stance bullish->neutral; score 66->58 (-8).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Technical Analyst: score 58->48 (-10); +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
30.5
Neutral
MACD Histogram
-0.005
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$272.90
Resistance
$285.75
Bollinger %B
0.08
Inside Bands
Price vs Moving Averages
EMA 9
$290.65
Below
EMA 21
$294.12
Below
EMA 50
$296.81
Below
EMA 200
$282.78
Below
Fundamental Analysis
Valuation
90
Growth
86
Profitability
88
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
11.4×
P/B Ratio
3.53×
PEG Ratio
0.50
Dividend Yield
1.63%
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 11.4 (inexpensive relative to a 15-40x range); Price-to-book of 3.5x; 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
Get the Full PRI Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →