NYSE: PRI · Life Insurance
Primerica (PRI) fair value and price range
As of 31 Oct 2026, Faircurve's model values Primerica (PRI) at $276.88 a share. The stock last closed at $288.96, which puts the model's fair value 4.2% below the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 5 Nov 2026. Primerica, Inc.
The report adds the live price, the chart against the range the options market prices, the next earnings date and the analysts' consensus. No account needed.
This week, in three parts
What happenedThe run of 31 Oct 2026 held the fair value at $276.88, within 1% of the run of 24 Oct 2026.
What the model makes of itThe price of $288.96 is 4.2% above it. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What's nextNext report on 10 Feb 2027. Options prices imply a move of about 7% either way over the next month. The next weekly run is on Saturday 7 Nov 2026.
What price range does the model give PRI?
The calibrated range for PRI over 63 trading days is $269.08 to $315.41. It sits around the last close, and its width comes from the volatility that PRI's own options imply (24% a year), calibrated weekly against realised prices (n = 6,661 past valuations, refreshed 31 Oct 2026). Ranges built this way held the price 60% of the time at this horizon. The fair value is the model's opinion and rides beside the range. It is not the centre of it.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $216.44 to $352.04. In 48% of the simulations the fair value came out above the price the model ran on.
Faircurve Insights · 31 Oct 2026
Primerica, Inc. (PRI) sits in Financial Services, Life Insurance. Operating with its various subsidiaries, it delivers a comprehensive suite of financial services and products, aimed mainly at middle-income households in the United States and Canada.
Faircurve's model put the fair value at $276.88 a share on 31 Oct 2026, the midpoint of 2,000 simulations. The previous run, on 24 Oct 2026, gave $274.80, a move of +0.8%. The sheet gives no reason for the change. The calibrated range over 63 trading days is $269.08 to $315.41. Ranges built this way held the price 60% of the time at this horizon, based on 6,661 past valuations. The model grades the evidence as low, so no verdict is shown. The grade looks at comparable companies, the width of the range and whether the valuation methods agree. It does not say whether the fair value is right.
Faircurve compares Primerica with Prudential Financial, Inc. (PRU), which has a fair value of its own on the site. Seven other companies are also compared, with no verdict on this date: Voya Financial, Inc. (VOYA), Jackson Financial Inc. (JXN), Lincoln National Corporation (LNC), CNO Financial Group, Inc. (CNO), Unum Group (UNM), Brighthouse Financial, Inc. (BHF) and Aflac Incorporated (AFL). The sheet has no quality scores for the business, so none are given here. Faircurve first valued the stock on 11 Jul 2026.
Written from the figures on this page for the 31 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
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Faircurve's note after each US session, in your inbox. No account needed.
When does PRI report earnings, and how has the stock reacted?
Primerica's next earnings report is scheduled for 10 Feb 2027. Companies can move their dates.
On 5 Nov 2026, PRI's 30 day implied volatility worked out to a move of about 6.9% over one month, in either direction. That is a size, not a direction.
Around its last 8 reports: what the options market priced, and what followed
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across PRI's last 8 reports, ignoring direction, was 3.6%.
What the options market has priced for a month's move in PRI
How does PRI compare with similar companies?
The companies in life insurance closest to Primerica in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| VOYA Voya Financial, Inc. | $98.40 | $97.54 | -0.9% | Low evidence grade |
| JXN Jackson Financial Inc. | $132.73 | $209.80 | +58.1% | Low evidence grade |
| LNC Lincoln National Corporation | $39.16 | $117.88 | +201.0% | Gap wider than 60% |
| CNO CNO Financial Group, Inc. | $56.43 | $50.35 | -10.8% | Low evidence grade |
| UNM Unum Group | $73.95 | $86.57 | +17.1% | Low evidence grade |
| BHF Brighthouse Financial, Inc. | $41.10 | $190.59 | +363.7% | Data under review |
| PRU Prudential Financial, Inc. | $122.46 | $143.66 | +17.3% | Undervalued |
| AFL Aflac Incorporated | $126.24 | $101.81 | -19.4% | Low evidence grade |
Primerica at a glance
Primerica Inc., operating with its various subsidiaries, delivers a comprehensive suite of financial services and products primarily aimed at middle-income households throughout the United States and Canada.
- Market value
- $8.7B
- Sector
- Financial Services
- Industry
- Life Insurance
- Consensus revenue growth, next fiscal year
- +9.7%
- Analysts with estimates
- 5
- Beta to the US market
- 0.17
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Primerica on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 24 Oct 2026 the model's fair value for PRI was $274.80. As of 31 Oct 2026 it is $276.88, a change of +0.8%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Primerica's valuation
Is Primerica stock undervalued or overvalued?
Faircurve's model puts PRI's fair value at $276.88 a share against a last close of $288.96, as of 31 Oct 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is PRI's fair value?
$276.88 a share as of 31 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $216.44 to $352.04.
What price range does the model give PRI?
$269.08 to $315.41 over 63 trading days. Ranges built this way held the price 60% of the time across 6,661 past valuations, refreshed 31 Oct 2026.
When does Primerica report earnings next?
The next report is scheduled for 10 Feb 2027. Companies can move their dates.
How much has PRI moved on past earnings reports?
Across its last 8 reports the median two session move was 3.6%, ignoring direction. The largest was -5.6% around the report of 11 Feb 2026.
How confident is the model in this valuation?
The model's evidence grade for PRI is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.
The model's own ideas on PRI
The model holds no idea open on PRI today. Signed-in readers see the rule each idea runs on, the floor and the exit level the model set and its time limit, and the model's closed ideas on PRI with their outcomes. A free account is enough.