PRIMERICA (PRI) Stock: Buy, Sell, or Hold?
PRI - PRIMERICA, INC.
$292.44
3.40 (1.18%)
▲
5d:
-1.81%
30d:
-5.92%
90d:
+4.83%
BUY
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Nov 04, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: PRI shows positive signals but monitor for confirmation. Market pricing in 0.3% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: PRI shows positive signals but monitor for confirmation. Market pricing in 0.3% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$385.25
Based on 5.8% avg growth
INTRINSIC VALUE TODAY
$239.21
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 10.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRI is currently trading at $292.44, which is considered slightly low relative to its 30-day fair value range of $291.03 to $313.84. The stock's valuation (Forward PE: 10.8) is in line with its historical norms (10.7). At these levels, the market is pricing in 0.3% 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 uptrend. The price is currently testing key support at $286.78. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: PRI scores 62/100 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 $324.50 (+11.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PRI is in a uptrend. The price is currently testing key support at $286.78. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: PRI scores 62/100 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 $324.50 (+11.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$291.03 -
$313.84
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (62/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($324.50)
- NEUTRAL: Market pricing in 0.3% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 62/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$291.03 -
$313.84
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$286.78
Resistance Level
$300.06
Current Trend
Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.76
Wall Street Target
$324.50
(+11.0%)
Revenue Growth (YoY)
8.7%
Earnings Growth (YoY)
19.5%
Profit Margin
22.8%
Valuation Premium vs History
+0.3% premium
PE vs Historical
10.8 vs 10.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.3%
(market-implied from PE analysis)
1-Year Target
$293.32
(+0%)
2-Year Target
$294.20
(+1%)
3-Year Target
$295.08
(+1%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
PE COMPRESSION
$293.34
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 7.6%)
$683.39
(+134%)
Base:
(SPY PE: 10.8, Growth: 7.6%)
$364.68
(+25%)
Bear:
(PE: 9.1, Growth: 7.6%)
$309.98
(+6%)
📈
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: 11.58 | Current EPS (TTM): $24.97
Bull Case
$345.96
(+18%)
Analyst growth 8.8%, PE expands to 12.7
Base Case
$314.51
(+8%)
Market implied 8.8%, PE stable at 11.6
Bear Case
$196.55
(-33%)
Severe decline -20.0%, PE contracts to 9.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 2:32 AM ET
Data refreshes hourly during market hours. Next update: 3:32 AM
Data refreshes hourly during market hours. Next update: 3:32 AM
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Technical Signals Check
Is PRI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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