Primerica, Inc.
Primerica, Inc. is classed by the SEC under Life Insurance (industry code 6311), based in Duluth, GA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $3.3 billion and a profit of $749 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6311, Life Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.9 out of ten, 9 of 9 metrics filed: past 6.8 out of ten, present 7.2 out of ten, future 6.4 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 6.1 out of ten. No warning events in its filings since 2017. 61st percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 8.7 out of ten. +9% a year over 10 filed years; profitable in 10 of 10. 87th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 6.5 out of ten. Share count shrank 5.0% a year. 65% of cash flow returned. Insiders: 11 sales, 0 purchases. 65th percentile among 16 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 7.8 out of ten. ROE 31%: 31¢ of profit per shareholder dollar. Leverage 84%: owes 84¢ per asset dollar. 78th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.6 out of ten. top 44% of 18 in its family; net margin 22.8%. 56th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 8.6 out of ten. top 14% of 13 in its family for leadership; chief executive since 2016. 86th percentile among 13 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 8.5 out of ten. top 15% of 16 in its family for room to expand. 85th percentile among 16 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.7 out of ten. bottom 37% of 18 in its family for growth drivers. 37th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 6.9 out of ten. top 31% of 18 in its family for expectations against reality. 69th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 4, 2026-09-16. Filings on record since 2009. Read from EDGAR 2026-10-12.
Where the revenue comes from
Lines of business in fiscal 2025: Term Life Insurance Segment Revenues 55%, Investment and Savings Products Segment Revenues 38%, Corporate and Other 7%. By geography: United States 87%, Canada 13%. As tagged in its annual report (Form 10-K, filed 2026-02-27).
Who runs it
Williams, Glenn J. (Chief Executive Officer); Williams, Donald R. (Co-Chief Executive Officer); Addison, John A. Jr. (Co-Chief Executive Officer); Schneider, Peter W. (President); Tan, Tracy Xiangyan (EVP and Chief Financial Office); Jendusa, Nicholas Adam (Principal Accounting Officer); Babbit, Joel M. (director); Cottle, Amber Lynne (director); Day, Cynthia N (director); Yastine, Barbara A. (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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