NYSE$PRI

Primerica Inc · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Primerica's financial results for Q1 2024 reflected strength in core Term Life and ISP segments, stability in term life insurance, higher investment products sales, client asset value appreciation, and higher interest rates, offset by Senior Health weakness.

Primerica reported an 8% increase in total revenues, reaching $742.8 million for Q1 2024. Net income increased by 8% to $137.9 million, and earnings per diluted share increased by 14% to $3.93. The company saw growth in its Term Life and Investment and Savings Products segments, but experienced weakness in the Senior Health business.

  • Life-licensed sales force increased by 5% to 142,855.
  • Investment and Savings Products sales increased by 20% to $2.8 billion.
  • Investment and Savings Products client asset values increased by 18% to $103 billion.
  • Earnings per diluted share (EPS) increased 14% to $3.93.

Headline financials

Total Revenue

$743M

Previous: $690M+7.7%
EPS

$3.93

Previous: $3.49+12.6%
ISP Product Sales

$2.8B

Previous: $2.3B+21.7%
Average Client Asset Values

$104B

Previous: $86.6B+19.8%
Life-Licensed Sales Force

142.9K

Previous: 136.4K+4.7%
Return on Stockholder's Equity

27.9%

Previous: 25.5%+9.4%
Free Cash Flow

$138M

Previous: $125M+10.2%
Net Income

$138M

Previous: $125M+10.2%
Operating Income

$166M

Previous: $149M+11.9%
Gross Profit

$729M

Previous: $675M+8.0%
Stock-Based Comp

$12.6M

Previous: $12.1M+4.0%

Revenue & EPS history

Primerica · Revenue · Quarterly

$743M

Q1 2024+7.7%vs Q1 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Revenue by segment

Primerica · $700M total across 3 segments · Q3 2023

  • Term Life Insurance
    $429M+0.2%
  • Investment and Savings Products
    $219M+8.5%
  • Corporate and Other Distributed Products
    $52.1M+77.5%

Forward guidance

No specific forward guidance was provided in the report excerpt.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+0.5%

Avg return

Earnings day

+2.0%

Avg return

5 days after

+1.1%

Avg return

30 days after

53%

34 / 64 earnings

Positive

+22.3%

Q3 2016

Best reaction

-14.0%

Q1 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.4%-1.2%-4.1%
Q4 2025-1.3%+2.3%-1.7%
Q3 2025-2.1%+0.2%-0.8%
Q1 2025+2.3%+1.7%+1.8%
Q4 2024-3.9%-3.1%-1.6%
Q3 2024+5.0%+8.6%+6.8%
Q2 2024+3.4%+4.5%+5.8%
Q1 2024+0.6%+2.7%+3.5%
Q4 2023+0.4%+3.3%+2.9%
Q3 2023+0.7%+1.6%+3.0%
Q2 2023+0.5%-0.3%-6.7%
Q1 2023-1.2%-0.7%+5.5%
Q4 2022+9.0%+15.4%-2.3%
Q3 2022-3.2%-2.7%-1.2%
Q2 2022+0.1%+6.4%-4.0%
Q1 2022-14.0%-11.5%-7.5%
Q4 2021-10.7%-11.9%-14.4%
Q3 2021-8.0%-8.5%-14.8%
Q2 2021+2.6%+4.3%+4.9%
Q1 2021+0.3%+0.2%+1.8%
Q4 2020-3.4%-5.4%+1.0%
Q3 2020+5.1%+12.7%+23.5%
Q2 2020+8.4%+10.3%+4.1%
Q1 2020+3.0%+0.7%+12.6%
Q4 2019+5.7%+10.9%-27.6%
Q3 2019+0.0%+0.2%+5.2%
Q2 2019+2.8%-2.3%+4.7%
Q1 2019-2.9%-3.2%-9.1%
Q4 2018+2.6%+2.3%+4.3%
Q3 2018+2.3%+3.1%-4.5%
Q2 2018+3.0%+1.3%+6.1%
Q1 2018-2.2%-1.1%+6.3%
Q4 2017-1.9%-1.5%+6.2%
Q3 2017+12.2%+12.0%+15.3%
Q2 2017-2.0%-1.6%-11.9%
Q1 2017-8.1%-10.6%-14.5%
Q4 2016+1.8%+4.1%+5.7%
Q3 2016+22.3%+30.4%+27.3%
Q2 2016+4.0%+5.8%+10.2%
Q1 2016+1.3%
Q4 2015-2.4%
Q3 2015+2.3%
Q2 2015-8.6%
Q1 2015+0.5%
Q4 2014+1.0%
Q3 2014+2.1%
Q2 2014+0.7%
Q1 2014-4.3%
Q4 2013+9.5%
Q3 2013-0.8%
Q2 2013-1.0%
Q1 2013-0.2%
Q4 2012+2.1%
Q3 2012-1.0%
Q2 2012+6.0%
Q1 2011-1.7%
Q1 2012+1.9%
Q4 2011-0.2%
Q4 2010-0.2%
Q3 2011-1.8%
Q3 2010-1.8%
Q2 2010-1.0%
Q2 2011-1.0%
Q1 2010-0.6%

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