Primerica, Inc.
Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings Products;
Insurance - Life
US, Duluth [HQ]
Ratios
15 Sheets · Starting from 2023Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 86.73 | 84.99 | 86.17 | 85.23 | 86.99 | 87.59 | 88.04 | 88.79 | 87.91 | 88.45 | 88.94 | 89.05 | 88.22 | 88.04 | |
| Profit Margin | 22.27 | 18.93 | 16.16 | 14.60 | 12.84 | 13.54 | 13.51 | 14.44 | 20.74 | 17.06 | 17.85 | 17.41 | 13.78 | 13.71 | 20.48 | |
| Operating Margin | 34.23 | 30.84 | 27.54 | 25.19 | 22.58 | 13.42 | 12.80 | 14.44 | 24.16 | 23.42 | 20.54 | 20.10 | 16.16 | 19.34 | 58.82 | |
|
EPS Growth
|
194.20 | -53.11 | -31.72 | 31.28 | 3.61 | 14.63 | 12.46 | 24.05 | 66.23 | -3.15 | 17.05 | 10.98 | -1.67 | 4.03 | 62.63 | |
| EPS USD | 659.00 | 309.00 | 211.00 | 277.00 | 287.00 | 329.00 | 370.00 | 459.00 | 763.00 | 739.00 | 865.00 | 960.00 | 944.00 | 982.00 | 1,597.00 | |
| Return on Assets (ROA) | 3.74 | 2.61 | 1.78 | 1.68 | 1.58 | 1.69 | 1.79 | 1.92 | 2.81 | 2.57 | 2.68 | 2.59 | 2.32 | 2.43 | 4.80 | |
| Return on Equity (ROE) | 10.00 | 18.01 | 12.53 | 13.63 | 13.32 | 14.57 | 16.57 | 17.96 | 24.68 | 22.18 | 22.17 | 21.03 | 17.93 | 21.67 | 27.91 | |
| Return on Invested Capital (ROIC) | 10.00 | 15.67 | 11.40 | 11.84 | 11.61 | 6.38 | 6.22 | 6.80 | 14.89 | 12.35 | 9.92 | 9.41 | 7.73 | 8.82 | 31.36 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | - - | 3.04 | 3.00 | 3.63 | 3.63 | 5.54 | 6.97 | 7.65 | 8.91 | 10.67 | 11.77 | 11.90 | 12.65 | 17.74 | 16.53 | |
| Debt/Equity | - - | 20.96 | 21.09 | 29.36 | 30.64 | 47.75 | 64.57 | 71.67 | 78.20 | 91.92 | 97.52 | 96.59 | 97.94 | 158.13 | 96.13 | |
| Debt/EBITDA | -81.17 | 40.45 | 52.11 | 84.56 | 75.85 | 124.03 | 175.12 | 174.18 | 196.82 | 236.43 | 307.89 | 264.47 | 352.09 | 301.15 | 4,469.13 | |
|
Debt/Capitalization
|
- - | 17.33 | 17.42 | 22.69 | 23.46 | 32.32 | 39.23 | 41.75 | 43.88 | 47.89 | 49.37 | 49.13 | 49.48 | 61.26 | 49.01 | |
| Long-Term Debt/Capitalization | - - | 17.33 | 17.42 | 22.69 | 23.46 | 32.32 | 39.23 | 41.75 | 43.88 | 47.89 | 49.37 | 49.13 | 49.30 | 54.76 | 48.94 | |
| Interest Debt per Share USD | - - | 4.45 | 4.54 | 6.67 | 7.33 | 11.53 | 15.20 | 19.07 | 24.96 | 31.29 | 38.89 | 44.98 | 52.37 | 72.36 | 55.98 | |
| Debt Growth | - - | - - | - - | 24.81 | 0.01 | 58.76 | 24.44 | 18.33 | 26.76 | 21.06 | 19.94 | 10.04 | 15.04 | 2.15 | -2.00 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 821.52 | 5,106.88 | 6,315.32 | 7,037.81 | 12,683.27 | 12,998.77 | 29,088.22 | 7,602.56 | 8,868.11 | 2,149.60 | 2,083.01 | 1,465.97 | 1,335.81 | 403.21 | -54.00 | |
| Quick Ratio | 834.83 | 5,495.62 | 6,809.17 | 21,849.40 | 39,948.39 | 40,765.68 | 93,301.73 | 24,618.57 | 25,924.18 | 2,065.08 | 2,083.01 | 1,465.97 | 1,335.81 | 1,030.17 | -180.84 | |
| Cash Ratio | 308.76 | 291.59 | 410.16 | 395.03 | 993.34 | 1,282.24 | 2,351.67 | 804.01 | 1,124.53 | 83.52 | 75.56 | 105.36 | 65.38 | 66.09 | -27.05 | |
| Operating Cash Flow Ratio | 300 | - - | 200 | 400 | 1,200 | 1,500 | 4,000 | 1,100 | 1,500 | 100 | 100 | 100 | 100 | 100 | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | -3.59 | -3.85 | -45.01 | -33.41 | -24.29 | -24.03 | -5.49 | -6.60 | |
| Receivables Turnover | 213.83 | 810.51 | 673.25 | 28.55 | 31.26 | 32.56 | 34.19 | 34.20 | 40.17 | 45.87 | 45.94 | 48.14 | 55.99 | 59.50 | 80.77 | |
| Payables Turnover | - - | - - | - - | 64.71 | 73.91 | 65.84 | 73.21 | 67.73 | 61.58 | 73.16 | 69.76 | 47.18 | 50.71 | 59.53 | 65.52 | |
|
Asset Turnover
|
16.79 | 13.78 | 11.03 | 11.54 | 12.27 | 12.48 | 13.24 | 13.28 | 13.56 | 15.08 | 14.99 | 14.88 | 16.81 | 17.72 | 23.44 | |
| Fixed Turnover | - - | - - | - - | 8,913.87 | 5,059.68 | 5,063.79 | 4,778.52 | 5,530.78 | 6,010.83 | 5,277.93 | 4,342.55 | 4,762.04 | 5,652.10 | 6,716.38 | 5,244.06 | |
| Coverage | ||||||||||||||||
| Interest Coverage | - - | 2,012.34 | 1,086.28 | 906.28 | 817.34 | 520.20 | 536.71 | 764.75 | 1,432.21 | 1,544.28 | 1,463.28 | 1,545.34 | 1,430.44 | 1,931.28 | 6,228.21 | |
| Asset Coverage | - - | 3,200 | 3,200 | 2,700 | 2,700 | 1,700 | 1,400 | 1,200 | 1,100 | 900 | 800 | 800 | 700 | 700 | 600 | |
| Cash Flow Coverage (CFGR) | - - | 13.69 | 29.30 | 32.04 | 50.18 | 39.97 | 35.02 | 33.37 | 35.01 | 35.59 | 30.13 | 36.28 | 32.21 | 27.83 | 34.87 | |
| EBITDA Coverage | - - | 2,000 | 1,100 | 900 | 800 | 900 | 1,000 | 1,300 | 1,400 | 1,500 | 1,500 | 1,600 | 1,500 | 1,900 | 100 | |
| Dividend Coverage | -1,100 | -17,100 | -2,400 | -1,100 | -600 | -600 | -500 | -600 | -900 | -700 | -600 | -600 | -500 | -400 | -600 | |
| Time Interest Earned (TIE) | -100 | -100 | -100 | -100 | -100 | 100 | 100 | 100 | -100 | -100 | -100 | -100 | -100 | 700 | 200 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 3.14 | 0.09 | 0.44 | 0.80 | 1.05 | 0.90 | 1.37 | 1.02 | 0.77 | 1.03 | 1.05 | 1.20 | 1.23 | 1.55 | 1.27 | |
| Earnings Yield | 34.62 | 14.74 | 10.61 | 9.49 | 6.79 | 6.13 | 7.90 | 6.69 | 7.56 | 7.56 | 6.65 | 7.20 | 6.16 | 6.92 | 7.79 | |
|
Price/Earnings (P/E)
|
288.89 | 678.26 | 942.28 | 1,054.27 | 1,472.32 | 1,632.09 | 1,265.65 | 1,494.19 | 1,322.04 | 1,322.14 | 1,503.08 | 1,389.54 | 1,622.78 | 1,444.65 | 1,283.02 | |
| Price/Earnings Growth (PEG) | 1.49 | -12.77 | -29.71 | 33.70 | 407.83 | 111.53 | 101.56 | 62.12 | 19.96 | -420.33 | 88.16 | 126.52 | -973.67 | 358.88 | 20.49 | |
|
Price/Book (P/B)
|
28.90 | 122.14 | 118.08 | 143.67 | 196.05 | 237.79 | 209.74 | 268.42 | 326.30 | 293.19 | 333.26 | 292.28 | 290.94 | 313.03 | 358.08 | |
| Price/Tangible Book (P/TB) | 28.90 | 122.14 | 118.08 | 143.67 | 196.05 | 237.79 | 209.74 | 268.42 | 326.30 | 293.19 | 333.26 | 292.28 | 290.94 | 313.03 | 358.08 | |
| Price/Sales (P/S) | 64.35 | 128.38 | 152.29 | 153.89 | 189.03 | 220.95 | 171.00 | 215.82 | 274.14 | 225.54 | 268.31 | 241.98 | 223.59 | 198.11 | 262.74 | |
|
Price/Cash Flow (P/CF)
|
193.32 | 4,258.47 | 1,911.06 | 1,527.26 | 1,275.07 | 1,245.90 | 927.52 | 1,122.12 | 1,191.82 | 896.31 | 1,134.30 | 833.97 | 922.25 | 711.23 | 1,068.26 | |
| Price/Free CF (P/FCF) | 194.61 | 5,605.11 | 2,000.09 | 1,680.64 | 1,460.16 | 1,286.41 | 954.79 | 1,177.20 | 1,212.90 | 922.39 | 1,197.01 | 871.38 | 958.26 | 736.31 | 1,123.24 | |
| Price/Operating CF (P/OCF) | 193.32 | 4,258.47 | 1,911.06 | 1,527.26 | 1,275.07 | 1,245.90 | 927.52 | 1,122.12 | 1,191.82 | 896.31 | 1,134.30 | 833.97 | 922.25 | 711.23 | 1,068.26 |