Back to top

Image: Bigstock

Primerica (PRI) Reports Q3 Earnings: What Key Metrics Have to Say

Read MoreHide Full Article

Primerica (PRI - Free Report) reported $838.88 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 8.9%. EPS of $6.33 for the same period compares to $5.68 a year ago.

The reported revenue represents a surprise of +1.39% over the Zacks Consensus Estimate of $827.39 million. With the consensus EPS estimate being $5.52, the EPS surprise was +14.67%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Primerica performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Life-Licensed Sales Force, End of period: 152,200 versus the three-analyst average estimate of 153,445.
  • Average Client Asset Values: $123.10 billion compared to the $123.62 billion average estimate based on three analysts.
  • Life Insurance Policies Issued: 79,379 versus 81,969 estimated by three analysts on average.
  • Recruits: 101,156 compared to the 103,867 average estimate based on two analysts.
  • Revenues- Other, net: $16.73 million versus the four-analyst average estimate of $18.22 million. The reported number represents a year-over-year change of -12.4%.
  • Revenues- Net premiums: $454.55 million compared to the $461.57 million average estimate based on four analysts. The reported number represents a change of +3.4% year over year.
  • Revenues- Commissions and fees: $325.49 million compared to the $307.2 million average estimate based on four analysts. The reported number represents a change of +19.7% year over year.
  • Revenues- Net investment income: $42.43 million versus the four-analyst average estimate of $41.63 million.
  • Adjusted Operating Revenues- Term Life Insurance: $463.3 million versus $472.27 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +2.9% change.
  • Adjusted Operating Revenues- Investment and Savings Products: $318.79 million versus the four-analyst average estimate of $302.73 million. The reported number represents a year-over-year change of +19.8%.
  • Adjusted Operating Revenues- Corporate and Other Distributed Products: $56.79 million versus the four-analyst average estimate of $55.74 million. The reported number represents a year-over-year change of +5.7%.
  • Revenues- Direct premiums: $868.65 million compared to the $872.88 million average estimate based on three analysts. The reported number represents a change of +1.9% year over year.

View all Key Company Metrics for Primerica here>>>

Shares of Primerica have returned -4.6% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

See More Zacks Research for These Tickers


Normally $25 each - click below to receive one report FREE:


Primerica, Inc. (PRI) - free report >>

Published in