PRI Stock Analysis: Buy, Sell, or Hold?
PRI - PRIMERICA, INC.
$319.96
-3.36 (-1.04%)
▼
5d:
+1.71%
30d:
+9.71%
90d:
+13.76%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 05, 2026
1d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PRI is fairly valued with market pricing in 4.1% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: PRI is fairly valued with market pricing in 4.1% 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
$385.22
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$239.19
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 $319.96, which is considered extended relative to its 30-day fair value range of $292.03 to $317.00. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.9) compared to its historical average (10.6). At these levels, the market is pricing in 4.1% 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 approaching resistance at $326.78. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PRI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. 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 approaching resistance at $326.78. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PRI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. 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
EXTENDED
Historical Trading Range
$292.03 -
$317.00
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($317.83)
- NEUTRAL: Market pricing in 4.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$292.03 -
$317.00
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$305.01
Resistance Level
$326.78
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.94
Wall Street Target
$317.83
(-0.7%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
18.2%
Profit Margin
22.6%
Valuation Premium vs History
+4.1% premium
PE vs Historical
11.9 vs 10.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.1%
(market-implied from PE analysis)
1-Year Target
$333.08
(+4%)
2-Year Target
$346.73
(+8%)
3-Year Target
$360.95
(+13%)
3-Yr Target (if PE normalizes)
(PE: 12→11)
PE COMPRESSION
$320.37
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 8.6%)
$710.46
(+122%)
Base:
(SPY PE: 11.9, Growth: 8.6%)
$409.30
(+28%)
Bear:
(PE: 10.2, Growth: 8.6%)
$347.90
(+9%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 13.57 | Current EPS (TTM): $23.83
Bull Case
$399.85
(+25%)
Analyst growth 12.4%, PE expands to 14.9
Base Case
$363.50
(+14%)
Market implied 12.4%, PE stable at 13.6
Bear Case
$219.86
(-31%)
Severe decline -20.0%, PE contracts to 11.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 11:19 PM ET
Data refreshes hourly during market hours. Next update: 12:19 AM
Data refreshes hourly during market hours. Next update: 12:19 AM
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Technical Signals Check
Is PRI showing a specific setup today?
Insider Activity (6 Months)
1
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Peter W Schneider
SELL
1800 shares
2026-03-10
Michael T. McCaul
BUY
2026-02-18
Glenn J Williams
SELL
2500 shares
2026-02-17
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