NYSE: PRI ยท Life Insurance
Primerica (PRI) fair value and price range
As of 19 Sep 2026, Faircurve's model values Primerica (PRI) at $292.93 a share. The stock last closed at $290.59, which puts the model's fair value 0.8% above the price. The model has low confidence in this valuation, so no verdict is shown. Low confidence means the inputs or the peer comparison behind the number are thin, and the fair value is a rough guide.
Revalued . Price is the close of 18 Sep 2026. Primerica, Inc.
What price range does the model give PRI?
The calibrated range for PRI over 63 trading days is $276.43 to $319.32. It sits around the last close, and its width comes from the volatility that PRI's own options imply (20% a year), calibrated weekly against realised prices (n = 2,982 past valuations, refreshed 19 Sep 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 $231.23 to $368.93. In 51% of the simulations the fair value came out above the price the model ran on.
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. | $101.57 | $103.90 | +2.3% | Low model confidence |
| JXN Jackson Financial Inc. | $132.67 | $235.87 | +77.8% | Outside the model's reliable range |
| LNC Lincoln National Corporation | $42.20 | $122.03 | +189.2% | Outside the model's reliable range |
| GL Globe Life Inc. | $173.42 | $199.36 | +15.0% | Low model confidence |
| UNM Unum Group | $95.19 | $87.97 | -7.6% | Low model confidence |
| CNO CNO Financial Group, Inc. | $55.21 | $44.28 | -19.8% | Low model confidence |
| BHF Brighthouse Financial, Inc. | $49.95 | $169.14 | +238.6% | Outside the model's reliable range |
| PRU Prudential Financial, Inc. | $118.40 | $143.46 | +21.2% | Low model confidence |
When does PRI report earnings, and how has the stock reacted?
Primerica's next earnings report is scheduled for 4 Nov 2026. Companies can move their dates.
Options prices on 18 Sep 2026 imply a move of about 4.4% in either direction through the nearest expiry, about 27 days out. That is the size the market is pricing, not a direction. PRI's 30 day implied volatility works out to about 5.9% over one month.
How PRI moved around its last 8 earnings reports
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 these 8 reports, ignoring direction, was 3.6%.
| Report date | Two session move |
|---|---|
| 5 Aug 2026 | +2.6% |
| 6 May 2026 | -1.5% |
| 11 Feb 2026 | -5.6% |
| 5 Nov 2025 | -3.9% |
| 6 Aug 2025 | -3.3% |
| 7 May 2025 | +1.6% |
| 11 Feb 2025 | -4.9% |
| 6 Nov 2024 | +5.0% |
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
- $9.1B
- Sector
- Financial Services
- Industry
- Life Insurance
- Consensus revenue growth, next fiscal year
- +9.4%
- Analysts with estimates
- 5
- Beta to the US market
- 0.21
- 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 12 Sep 2026 the model's fair value for PRI was $306.79. As of 19 Sep 2026 it is $292.93, a change of -4.5%. 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 $292.93 a share against a last close of $290.59, as of 19 Sep 2026. The model has low confidence in this valuation, so no verdict is shown. Low confidence means the inputs or the peer comparison behind the number are thin, and the fair value is a rough guide.
What is PRI's fair value?
$292.93 a share as of 19 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $231.23 to $368.93.
What price range does the model give PRI?
$276.43 to $319.32 over 63 trading days. Ranges built this way held the price 60% of the time across 2,982 past valuations, refreshed 19 Sep 2026.
When does Primerica report earnings next?
The next report is scheduled for 4 Nov 2026. 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?
Model confidence for PRI is low. Confidence reflects how complete the inputs are and how well comparable companies explain the valuation. It is not a probability that the price reaches the fair value.