PRI — Primerica Inc

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates PRI Bullish with a Setup Score of 0, net conviction 53, actionability 0. How the Setup Score works →

Total Setup Score0
Directional BiasBullish
Net Conviction53
Actionability0 (no mans land)

Key signals behind this score

About Primerica Inc

Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. It operates in three segments: Term Life Insurance; Investment and Savings Products; and Corporate and Other Distributed Products. The Term Life Insurance segment underwrites individual term life insurance products. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$297.72
Market Cap$9.17B
Float30.6M
Shares Outstanding30.8M
P/E (Forward)14.04
P/E (TTM)12.09
Price/Sales (TTM)2.63
vs. Analyst Target+7.9% to analyst PT
Profit Margin22.84%
Operating Margin (TTM)31.54%
Revenue (TTM)$3.49B
Earnings Growth (YoY)19.50%
Dividend Rate4.8%
Analyst Target Price$321.17 (9 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $2.22B $386M $781M $553M
2021 $2.71B $477M $1.06B $704M
2022 $2.66B $472M $1.03B $780M
2023 $2.75B $577M $1.10B $830M
2024 $3.09B $471M $3.09B $963M
2025 $3.23B $751M $2.60B $1.02B

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Sep 2025 $840M $207M
Dec 2025 $838M $197M
Mar 2026 $857M $190M
Jun 2026 $865M $202M

Ownership & Float

Insider Ownership0.6%
Institutional Ownership96.6%
Short Float3.7%
% of All Funds Holding5.90%
Number of Funds Holding519

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$305.92Near-term / short-term trend
Weekly40-Week SMA$274.24Medium-term trend
Weekly80-Week SMA$271.12Cyclical trend (business cycle)
Weekly200-Week SMA$239.27Secular trend (multi-year)
Monthly10-Month SMA$273.60Near-term monthly trend
Monthly20-Month SMA$273.97Medium-term monthly trend
Monthly40-Month SMA$252.78Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$267.00 support 1.15x 1 months ago

Historical Earnings Reactions (66 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.13% 0.00% 48.48% 8.27% -6.05%
1 Day 0.17% -0.23% 43.94% 12.45% -10.62%
1 Week 0.49% 0.33% 53.03% 15.43% -13.98%
2 Weeks 0.06% 0.81% 57.58% 17.55% -15.40%
1 Month 0.60% 0.18% 50.77% 21.40% -32.52%

Next earnings: October 24, 2026 (58 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan3.5%62.5%16
Feb1.5%56.3%16
Mar-0.7%50.0%16
Apr1.3%62.5%16
May-0.9%41.2%17
Jun2.6%82.4%17
Jul3.4%64.7%17
Aug0.2%50.0%16
Sep0.2%50.0%16
Oct3.0%62.5%16
Nov6.7%87.5%16
Dec-1.6%43.8%16

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.04% 54.3% 773
Tuesday 0.17% 55.7% 848
Wednesday 0.03% 50.1% 845
Thursday 0.05% 51.9% 830
Friday 0.12% 53.2% 827

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 96.6%

Insider Transactions — Smart Summary

Total insider ownership: 0.6%

12-Month Insider Activity Summary

Total Filings13
Net Value-$4.7M
Net Shares Change-2,359
% of Float-0.0%
C-Suite Filings11
Clusters Detected2

Key Insiders

NameTitleNet ValueFilingsActivity
Schneider Peter W. President -$2.3M 5 1 sell
Williams Glenn J. Chief Executive Officer -$737,257.58 2 1 sell
Babbit Joel M. -$178,500 1 1 sell
Cottle Amber Lynne -$87,502.435 1 1 sell
Jendusa Nicholas Adam Principal Accounting Officer +$26,537.201 1 1 sell

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2026-02-17 – 2026-03-03 4 3 -$1.1M 4 C-suite
2026-08-10 – 2026-08-17 3 3 -$1.1M 2 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-08-11 Cottle Amber Lynne -$87,502.435 Transaction at $313.63, now -5.1%
2026-03-03 Williams Glenn J. Chief Executive Officer -$256,957.58 Transaction at $253.66, now +17.4%
2026-03-03 Schneider Peter W. President -$229,054.98 Transaction at $253.66, now +17.4%
2026-08-17 Schneider Peter W. President -$562,770 Transaction at $312.65, now -4.8%
2026-03-03 Jendusa Nicholas Adam Principal Accounting Officer +$26,537.201 Transaction at $254.28, now +17.1%
2025-12-03 Babbit Joel M. -$178,500 Transaction at $255.00, now +16.8%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Primerica Inc (PRI) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for PRI on Trend Edge →