PRI Stock Analysis: Buy, Sell, or Hold?
PRI - PRIMERICA, INC.
$301.09
3.37 (1.13%)
▲
5d:
+0.04%
30d:
-6.39%
90d:
+10.96%
HOLD
LOW Confidence
Analysis Updated: Aug 26, 2026 12:00 AM ET
Earnings: Aug 05, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PRI is fairly valued with market pricing in 1.4% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: PRI is fairly valued with market pricing in 1.4% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$382.70
Based on 5.9% avg growth
INTRINSIC VALUE TODAY
$237.63
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRI is currently trading at $301.09, which is considered oversold relative to its 30-day fair value range of $303.63 to $320.40. The stock's valuation (Forward PE: 11.1) is in line with its historical norms (10.6). At these levels, the market is pricing in 1.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PRI is in a strong uptrend. The price is currently testing key support at $294.49. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: PRI scores 68/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $332.83 (+10.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PRI is in a strong uptrend. The price is currently testing key support at $294.49. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: PRI scores 68/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $332.83 (+10.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$303.63 -
$320.40
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (68/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($332.83)
- NEUTRAL: Market pricing in 1.4% annual earnings growth - fairly valued
- CAUTION: Bottoming setup, but lagging the sector by 17% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$303.63 -
$320.40
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$294.49
Resistance Level
$316.77
Current Trend
Strong Uptrend
Technical data as of
Aug 26, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.10
Wall Street Target
$332.83
(+10.5%)
Revenue Growth (YoY)
8.7%
Earnings Growth (YoY)
19.5%
Profit Margin
22.8%
Valuation Premium vs History
+1.4% premium
PE vs Historical
11.1 vs 10.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$305.31
(+1%)
2-Year Target
$309.58
(+3%)
3-Year Target
$313.91
(+4%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
PE COMPRESSION
$299.69
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 7.8%)
$681.72
(+126%)
Base:
(SPY PE: 11.1, Growth: 7.8%)
$377.14
(+25%)
Bear:
(PE: 9.4, Growth: 7.8%)
$320.57
(+7%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.97 | Current EPS (TTM): $24.87
Bull Case
$357.09
(+19%)
Analyst growth 9.0%, PE expands to 13.2
Base Case
$324.62
(+8%)
Market implied 9.0%, PE stable at 12.0
Bear Case
$202.45
(-33%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 27, 2026 7:52 AM ET
Data refreshes hourly during market hours. Next update: 8:52 AM
Data refreshes hourly during market hours. Next update: 8:52 AM
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Technical Signals Check
Is PRI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Peter W Schneider
SELL
1800 shares
2026-03-10
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