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Primerica, Inc.: what insiders have been doing
Headquartered in Duluth, United States, Primerica, Inc. belongs to the Banks sector and traces its origins to 1977. Filings by its managers are published through SEC (Form 4). The last twelve months, up to 18 October 2026, brought 47 filings signed by 18 insiders.
The flow runs one way only: 8 sales worth €3.1M, from 4 insiders, and no purchase. One trade stands out by size: a sale of €560k from Williams Glenn J., disclosed on 12 November 2025.
The median gap between a trade and its publication by SEC (Form 4) is 3 days. Section 16 rules allow two business days to file each Form 4. Keep in mind that insiders sell for many reasons unrelated to the outlook, from tax bills to estate planning.
Compared with its exchange (5,458 companies, median 22 filings), a count of 47 filings is above the norm. Over the whole record (from 2016), the tally stands at no purchases and 69 sales. The 10-K for the year ended 31 December 2025 shows 3.29 bn USD of revenue and 751.2 m USD of net income and a dividend of 4.16 USD per share.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
337
Thresholds
n/a
Buy Volume
n/a
n/a
Sell Volume
€31M
69 ops. · all time
Who traded when
BuySaleGlenn J. Williams7 sales
Peter W. Schneider7 sales
Amber Lynne Cottle1 sale
Jendusa Nicholas Adam1 sale
Joel M. Babbit1 sale
Sanjeev Dheer1 sale
Analyst consensus: bullish or bearish?
Analysts rate Primerica, Inc. Buy (bullish), based on 6 analysts. Average price target: US$323.67.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,522 of 24,158 companies
77.4
score / 100
Value75
Quality80
FCF yld10%
Earn yld8.6%
EV/EBITDA9.4x
ROE33%
Gross mgn·
Net mgn23%
Debt/EBITDA1.6x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$282.64
Analyst consensus
6 analystsBuy
US$276.00Target US$323.67(+15%)US$360.00
Income statement
RevenueUS$3.3B
EBITDAUS$1.1B34% margin
Net incomeUS$751.2M22.8% margin
Valuation
PER (trailing)11.4x
PER (forward)10.4x
P/Book3.5x
Beta0.88
Balance sheet & cash
Market capUS$8.7B
Total debtUS$1.8B
Free Cash FlowUS$875.1M
Debt / Equity72%
Profitability & ownership
ROE33.0%
ROA4.7%
% insiders0.5%
% institutions96.5%
Last declaration on 16 September 2026
Declarations337 total
5,475 shares0Common StockSEC:0001475922-26-000086:0
34.116 shares@ US$292.440.0001% mcap0.6% of flowCommon StockSEC:0001475922-26-000076:0
40.513 shares@ US$292.440.0001% mcap1.3% of flowCommon StockSEC:0001475922-26-000082:0
83.556 shares@ US$292.440.0003% mcap1.6% of flowCommon StockSEC:0001475922-26-000080:0
55.857 shares@ US$292.440.0002% mcap1.7% of flowCommon StockSEC:0001475922-26-000084:0
11.931 shares@ US$292.440.0000% mcap0.4% of flowCommon StockSEC:0001475922-26-000078:0
1,800 shares@ US$313.690.0065% mcap100.0% of flowCOMMONSEC144:0001950047-26-008241
1,800 shares@ US$312.650.0065% mcap3.6% of flowCommon StockSEC:0001475922-26-000074:0
279 shares@ US$313.62880.0010% mcap8.9% of flowCOMMON SHARESSEC144:0001973379-26-000289
279 shares@ US$313.62880.0010% mcap8.9% of flowCommon StockSEC:0001475922-26-000072:0
1,500 shares@ US$321.380.0056% mcap100.0% of flowCommonSEC144:0001950047-26-007892
1,500 shares@ US$320.200.0056% mcap2.3% of flowCommon StockSEC:0001475922-26-000070:0
20,644 shares@ US$306.200.074% mcap100.0% of flowCommonSEC144:0001628280-26-048266
35.612 sharesCommon StockSEC:0001475922-26-000059:0
12.473 sharesCommon StockSEC:0001475922-26-000061:0
87.218 sharesCommon StockSEC:0001475922-26-000063:0
1,500 shares@ US$278.96100.0% of flowCommonSEC144:0001950047-26-006034
640 shares@ US$281.060.0018% mcap8.4% of flowCommon StockSEC:0001475922-26-000041:0
640 shares@ US$281.060.0018% mcap11.6% of flowCommon StockSEC:0001475922-26-000043:0
640 shares@ US$281.060.0018% mcap18.1% of flowCommon StockSEC:0001475922-26-000045:0
640 shares@ US$281.060.0018% mcap12.1% of flowCommon StockSEC:0001475922-26-000047:0
640 shares@ US$281.060.0018% mcap11.6% of flowCommon StockSEC:0001475922-26-000055:0
36.627 shares@ US$249.060.6% of flowCommon StockSEC:0001475922-26-000037:0
14.565 shares@ US$249.060.4% of flowCommon StockSEC:0001475922-26-000035:0
64.992 shares@ US$249.061.7% of flowCommon StockSEC:0001475922-26-000033:0
25 of 337 declarations
About Primerica, Inc.
Primerica, Inc. is a U.S.-listed financial services company traded on the NYSE under the ticker PRI, headquartered in Duluth, Georgia, United States. The company focuses primarily on middle-income households, a large and often underpenetrated customer segment in North America. Its business model is built around a licensed representative force that educates clients on protection and savings needs, then distributes a set of financial solutions through a broad field network.
Primerica’s roots go back to a distribution-led financial services model that has since been refined into a more specialized platform. Today, the company is organized around two core earnings engines. First, it underwrites term life insurance through its insurance subsidiaries, which provides a stable and recurring source of premiums and in-force earnings. Second, it distributes Investment and Savings Products, mainly on behalf of third parties, including mutual funds, annuities and other investment solutions. This mix gives Primerica a relatively balanced profile: insurance provides durability, while investment products offer growth tied to client asset accumulation and market performance.
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From a product standpoint, the company is intentionally focused. It emphasizes term life insurance rather than whole-life or more complex permanent products, which aligns with its value proposition for middle-income families seeking affordable protection. On the savings side, Primerica distributes mutual funds, annuities and related products through PFS Investments and its affiliated distribution channels. The firm’s educational approach is an important differentiator: representatives are positioned not just as sellers, but as guides helping households assess coverage gaps, debt management and long-term savings priorities.
Competitive positioning is centered on distribution scale, brand recognition in the mass-market term life niche, and a capital-light element in its third-party product distribution. Primerica has stated that its insurance subsidiaries were among the leading issuers of term life coverage in the United States and Canada in 2025. That makes it a notable specialist rather than a broad-based life insurer. Its focus on the middle market also reduces direct overlap with higher-net-worth-oriented advisors and more complex insurance platforms.
Geographically, the business is concentrated in the United States and Canada, which keeps the operating model relatively straightforward and avoids the execution risk of more fragmented international expansion. Recent developments have been constructive: in 2025, Primerica reported strong growth in Investment and Savings Products sales, higher client asset values, and solid earnings momentum. The company also continued returning capital through share repurchases and dividend increases, underscoring a disciplined capital allocation policy. For investors, PRI is best viewed as a niche U.S. insurance and financial distribution company with a defensive core, growth exposure through asset gathering, and a clear focus on the mass affluent and middle-income market in North America.
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