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PRIPrimerica, Inc.Hold6.5·$282.01+1.09%
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Primerica, Inc. (PRI) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Insurance - Life

Hold if already holding. Not a fresh buy at $282.01, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.1% away).

Primerica provides term life insurance and investment/savings products to middle-income U.S. and Canadian households through 151,524 licensed independent sales representatives, insuring over 5.5 million lives with 3.1 million client investment accounts. Revenue is primarily... Read more

$282.01+9.1% A.UpsideScore 6.5/10#3 of 15 Insurance - Life
QualityF-score9 / 9FCF yield12.19%
IncomeYield1.59%(5y avg 1.35%)Payout18.13%sustainable
Entry $255.88(support + ATR)Stop $245.05Target $279.16(resistance)A.R:R -0.8:1Setup A.R:R 2.2:1
Analyst target$298.50+5.8%6 analysts
$279.16our TP
$282.01price
$298.50mean
$263
$322

Hold if already holding. Not a fresh buy at $282.01, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.1% away). Chart setup: Golden cross, above all MAs, RSI 52, MACD bullish. Downgraded from BUY WAIT — price $282.01 has reached target $279.16. No upside to wait for. Score 6.5/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 53d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-13
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Aug 5, 202653d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Earnings estimates trending UP
High-quality business
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.1% away)

Key Metrics

P/E (TTM)11.8
P/E (Fwd)10.6
Mkt Cap$8.8B
EV/EBITDA9.1
Profit Mgn22.6%
ROE32.3%
Rev Growth8.1%
Beta0.89
Dividend1.59%
Rating analysts13

Quality Signals

Piotroski F9/9MoatWideCompounder

Options Flow

P/C1.18bearish
IV48%normal
Max Pain$330+17.0% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMcounterpartylimited platform of mutual fund and annuity product providers
    10-K Item 1A: 'Our Investment and Savings Products segment is heavily dependent on a limited platform of mutual fund and annuity products offered by a relatively small number of companies and managers.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.8=NEGATIVEMomentum 7.7>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 53d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
52 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $252.63Resistance $284.86

Price Targets

$245
$256
$279
A.Upside-1.0%
A.R:R-0.8:1
Setup A.R:R (at entry)2.2:1

Position Sizing

ConvictionHigh conviction
Suggested %0.9%
Max %1.8%
RegimeSteady

Risk Alerts

! Target reached (-7.9% upside)
! News modifier capped: WAIT cannot upgrade to NOW via sentiment alone
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-08-05 (53d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PRI stock a buy right now?

Hold if already holding. Not a fresh buy at $282.01, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.1% away). Chart setup: Golden cross, above all MAs, RSI 52, MACD bullish. Downgraded from BUY WAIT — price $282.01 has reached target $279.16. No upside to wait for. Target $279.16 (-1.0%), stop $245.05 (−15.1%), A.R:R -0.8:1. Score 6.5/10, moderate confidence.

What is the PRI stock price target?

Take-profit target: $279.16 (+9.1% upside). Target $279.16 (-1.0%), stop $245.05 (−15.1%), A.R:R -0.8:1. Stop-loss: $245.05.

What are the risks of investing in PRI?

Analyst target reached - limited upside remaining; Near 52-week high (2.1% away).

Is PRI overvalued or undervalued?

Primerica, Inc. trades at a P/E of 11.8 (forward 10.6). TrendMatrix value score: 7.7/10. Verdict: Hold.

What do analysts say about PRI?

13 analysts cover PRI with a consensus score of 3.7/5. Average price target: $299.

What does Primerica, Inc. do?Primerica provides term life insurance and investment/savings products to middle-income U.S. and Canadian households...

Primerica provides term life insurance and investment/savings products to middle-income U.S. and Canadian households through 151,524 licensed independent sales representatives, insuring over 5.5 million lives with 3.1 million client investment accounts. Revenue is primarily recurring and fee-based; the Term Life segment reinsures up to 90% of mortality risk, making results resemble a fee business rather than traditional underwriting.

Related stocks: FG (F&G Annuities & Life, Inc.) · AFL (AFLAC Incorporated) · PUK (Prudential Public Limited Compa) · MFC (Manulife Financial Corporation) · LNC (Lincoln National Corporation)
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