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Primerica

Financial Servicesasset managementfinancial managementlife insurance

Primerica, Inc. is an insurance and financial services company, which uses a hybrid model of direct selling, franchising, and distribution. The Company focuses on the sale of term life insurance, as well as providing other financial products and services including mutual funds, annuities, segregated funds, managed accounts, long-term care insurance, pre-paid legal services, auto insurance, home insurance, credit monitoring and debt management plans.

    Revenue(Q1, 2017)
    $405.2 M
    Market capitalization(2017-08-22)
    $3.5 B
    Company Growth (employees)
    Type
    Public
    HQ
    Duluth, US
    Founded
    1977
    Size (employees)
    2,026 (est)
    Website
    primerica.com
    Primerica was founded in 1977 and is headquartered in Duluth, US

    Primerica Office Locations

    Primerica has an office in Duluth
    Duluth, US (HQ)
    1 Primerica Pkwy

    Primerica Data and Metrics

    Primerica Financial Metrics

    Primerica's revenue was reported to be $405.2 m in Q1, 2017
    USD

    Revenue (Q1, 2017)

    		405.2 m

    Net income (Q1, 2017)

    		52.1 m

    Market capitalization (22-Aug-2017)

    		3.5 b

    Cash (31-Mar-2017)

    		185.8 m
    Primerica's current market capitalization is $3.5 b.
    USDFY, 2013FY, 2014FY, 2015FY, 2016

    Revenue

    		1.3 b1.3 b1.4 b1.5 b

    Revenue growth, %

    		6%5%8%

    EBIT

    		251.2 m

    EBIT margin, %

    		20%

    Pre tax profit

    		291 m337.6 m

    Net Income

    		162.7 m189.9 m219.4 m
    USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

    Revenue

    		331.1 m339.2 m345.1 m350.9 m355.8 m363 m379.2 m383.6 m405.2 m

    Pre tax profit

    		75.7 m64 m66.8 m76.8 m75 m70.2 m91.9 m88.4 m74.8 m

    Net Income

    		49.3 m41.6 m43.4 m49.2 m49.4 m45.2 m59.3 m58 m52.1 m
    USDFY, 2013FY, 2014FY, 2015FY, 2016

    Cash

    		149.2 m192.5 m152.3 m212 m

    Accounts Receivable

    		210.4 m

    Inventories

    		2.4 b

    Total Assets

    		10.7 b10.6 b11.4 b

    Accounts Payable

    		5.7 b

    Total Debt

    		749 m749.1 m749.2 m745.8 m

    Total Liabilities

    		10.2 b

    Common Stock

    		548 k522 k483 k457 k

    Additional Paid-in Capital

    		472.6 m353.3 m180.3 m52.5 m

    Retained Earnings

    		640.8 m795.7 m952.8 m1.1 b

    Total Equity

    		1.1 b1.2 b

    Debt to Equity Ratio

    		0.7 x0.6 x

    Debt to Assets Ratio

    		0.1 x0.1 x0.1 x

    Financial Leverage

    		9.3 x9.4 x
    USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

    Cash

    		150.6 m165 m180.2 m153.9 m160.6 m175.7 m213.1 m195.3 m185.8 m

    Accounts Receivable

    		226.5 m215.6 m

    Inventories

    		1.9 b2.1 b2.1 b2.1 b2.1 b2.2 b2.2 b2.3 b2.5 b

    Total Assets

    		10.6 b10.7 b10.7 b10.8 b10.6 b11 b11.2 b11.4 b11.7 b

    Accounts Payable

    		5.2 b5.2 b5.3 b5.4 b5.4 b5.5 b5.6 b5.6 b5.7 b

    Common Stock

    		542 k537 k516 k501 k486 k473 k466 k460 k455 k

    Additional Paid-in Capital

    		447.9 m429.3 m324 m259.9 m195.3 m137.9 m102.8 m66.5 m28.6 m

    Retained Earnings

    		721.8 m756.7 m830.6 m871.4 m912.7 m989.7 m1 b1.1 b1.2 b

    Total Equity

    		1.2 b1.1 b1.2 b1.2 b1.2 b1.2 b

    Financial Leverage

    		9 x9.2 x9.4 x9.3 x9.3 x9.4 x
    USDFY, 2013FY, 2014FY, 2015FY, 2016

    Net Income

    		181.4 m189.9 m219.4 m

    Depreciation and Amortization

    		10.8 m12.3 m11 m14.6 m

    Accounts Receivable

    		(20.1 m)

    Inventories

    		(2.7 m)(17 m)(11 m)15.3 m

    Accounts Payable

    		73.1 m(90 m)(50 m)(72.9 m)

    Cash From Operating Activities

    		187.9 m237.6 m259.1 m292.2 m

    Purchases of PP&E

    		308.9 m(425.9 m)(433.5 m)(386.4 m)

    Cash From Investing Activities

    		35.5 m(15.6 m)(58.5 m)(47.9 m)

    Dividends Paid

    		25.1 m(26.5 m)(32.8 m)(33.4 m)

    Cash From Financing Activities

    		(184.9 m)(175.9 m)(235.3 m)(185.1 m)

    Interest Paid

    		32.9 m33.1 m32.4 m28 m

    Income Taxes Paid

    		68.6 m66.1 m62.1 m45.4 m
    USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

    Net Income

    		49.3 m41.6 m43.4 m49.2 m49.4 m45.2 m59.3 m58 m52.1 m

    Income Taxes Paid

    		38.7 m40.8 m157.7 m156.2 m152.3 m177.5 m30.8 m29.3 m37.7 m
    USDY, 2017

    Revenue/Employee

    		200 k

    Financial Leverage

    		9.4 x

    Primerica Operating Metrics

    FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

    Agents

    		98 k98.15 k101.01 k104.7 k106.71 k108.22 k112.37 k115.35 k116.83 k117.91 k121.47 k

    Locations

    		2.7 k2.7 k2.75 k

    In-Force Policies (Life Insurance)

    		2.34 m2.4 m2.49 m

      Primerica Market Value History

      Primerica Revenue Breakdown

      Market Position of Primerica

      Competitors

      Principal Financial Group
      Financial Services - Public
      AXA
      Financial Services - Public
      Swiss Life Holding
      Financial Services - Public
      T. Rowe Price Group
      Financial Services - Public
      Compare competitors

      Traffic Overview of Primerica

      Primerica Online and Social Media Presence

      Primerica Company Life and Culture

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