Primerica, Inc.

PRI 10-K · FY 2025
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Income Statement

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Income Statement
Metric FY 2025 FY 2024 YoY
Direct Premiums Written 3,462,780 3,393,604 +2.0%
Show Product Lines breakouts
Accident And Health Insurance Segment 498 549 -9.3%
Life Insurance Segment 3,462,282 3,393,055 +2.0%
Ceded Premiums Written -1,678,877 -1,664,433 -0.9%
Show Product Lines breakouts
Accident And Health Insurance Segment -3 — —
Life Insurance Segment -1,678,874 -1,664,433 -0.9%
Premiums Written Net 1,783,903 1,729,171 +3.2%
Investment Banking Advisory Brokerage And Underwriting Fees And Commissions 1,275,864 1,082,889 +17.8%
Investment Income Net Of Investment Expense 225,195 218,153 +3.2%
Interest Expense Surplus Note -58,043 -62,652 +7.4%
Net Investment Income 167,152 155,501 +7.5%
Show Consolidated Entities breakouts
Parent Company 14,673 15,440 -5.0%
Realized Investment Gains Losses -2,037 1,015 -300.7%
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Parent Company 33 85 -61.2%
Other Investment Gains Losses 1,221 1,221 0.0%
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Parent Company 252 19 +1226.3%
Gain Loss On Investments -816 2,236 -136.5%
Show Consolidated Entities breakouts
Parent Company 285 104 +174.0%
Other Income 65,610 119,346 -45.0%
Revenue 3,291,713 3,089,143 +6.6%
Show Business Segments breakouts
Corporate And Other 223,672 264,161 -15.3%
Corporate And Other · Revenues from Sources Other Than Contracts with Customers (Segregated Funds) [Member] 178,552 220,974 -19.2%
Investment and Savings Products Segment [Member] 1,248,232 1,056,742 +18.1%
Investment and Savings Products Segment [Member] · Revenues from Sources Other Than Contracts with Customers (Segregated Funds) [Member] 52,826 54,607 -3.3%
Term Life Insurance Segment [Member] 1,819,809 1,768,240 +2.9%
Term Life Insurance Segment [Member] · Revenues from Sources Other Than Contracts with Customers (Segregated Funds) [Member] 1,771,687 1,715,934 +3.2%
Show Geography breakouts
CA 440,759 394,820 +11.6%
US 2,850,954 2,694,323 +5.8%
Show Consolidated Entities breakouts
Parent Company 571,010 585,712 -2.5%
Policyholder Benefits And Claims Incurred Net 665,927 648,163 +2.7%
Show Business Segments breakouts
Corporate And Other 14,383 12,809 +12.3%
Term Life Insurance Segment [Member] 651,544 635,354 +2.5%
Liability For Future Policy Benefit Remeasurement Gain Loss -37,389 -25,920 -44.2%
Show Business Segments breakouts
Corporate And Other 1 5 -80.0%
Term Life Insurance Segment [Member] -38 -31 -22.6%
Deferred Policy Acquisition Cost Amortization Expense 322,903 298,136 +8.3%
Show Business Segments breakouts
Corporate And Other 1,111 1,205 -7.8%
Investment and Savings Products Segment [Member] 5,381 5,443 -1.1%
Segregated Funds (Canada) [Member] 5,381 5,443 -1.1%
Term Life Insurance [Member] 316,411 291,488 +8.6%
Term Life Insurance Segment [Member] 316,411 291,488 +8.6%
Sales Commissions And Fees 686,920 573,249 +19.8%
Show Product Lines breakouts
Asset-based · Investment and Savings Products Segment [Member] 334,840 278,042 +20.4%
Sales-based · Investment and Savings Products Segment [Member] 332,630 275,582 +20.7%
Show Business Segments breakouts
Corporate And Other 19,450 19,625 -0.9%
Other Underwriting Expense 263,467 255,619 +3.1%
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Corporate And Other 4,582 4,662 -1.7%
Term Life Insurance Segment [Member] 258,885 250,957 +3.2%
Insurance Commissions 22,995 32,008 -28.2%
Show Business Segments breakouts
Corporate And Other -395 706 -155.9%
Investment and Savings Products Segment [Member] 13,755 13,638 +0.9%
Term Life Insurance Segment [Member] 9,635 17,664 -45.5%
Interest Expense Operating 23,958 25,034 -4.3%
Show Business Segments breakouts
Corporate And Other 23,958 25,034 -4.3%
Show Consolidated Entities breakouts
Parent Company 18,327 18,043 +1.6%
Other Cost And Expense Operating 368,368 343,607 +7.2%
Show Business Segments breakouts
Corporate And Other 162,265 161,815 +0.3%
Investment and Savings Products Segment [Member] 114,386 98,693 +15.9%
Show Consolidated Entities breakouts
Parent Company 21,968 21,322 +3.0%
Benefits Losses And Expenses 2,317,149 2,149,896 +7.8%
Show Business Segments breakouts
Corporate And Other 225,691 231,201 -2.4%
Investment and Savings Products Segment [Member] 892,709 754,497 +18.3%
Term Life Insurance Segment [Member] 1,198,749 1,164,198 +3.0%
Income Before Taxes 974,564 939,247 +3.8%
Show Business Segments breakouts
Corporate And Other -2,019 32,960 -106.1%
Investment and Savings Products Segment [Member] 355,523 302,245 +17.6%
Term Life Insurance Segment [Member] 621,060 604,042 +2.8%
Income Tax Expense (Benefit) 223,330 219,118 +1.9%
Income Loss From Continuing Operations 751,234 720,129 +4.3%
Show Consolidated Entities breakouts
Parent Company 751,234 720,129 +4.3%
Net Income 751,234 470,518 +59.7%
Show Consolidated Entities breakouts
Parent Company 751,234 470,518 +59.7%
Income Loss From Continuing Operations Per Basic Share 22.95 21.02 +9.2%
EPS (Basic) 22.95 13.73 +67.2%
Income Loss From Continuing Operations Per Diluted Share 22.91 20.99 +9.1%
EPS (Diluted) 22.91 13.71 +67.1%
Wtd Avg Shares (Basic) 32,632 34,142 -4.4%
Wtd Avg Shares (Diluted) 32,680 34,199 -4.4%
Revenue (FY) — — —
Show Product Lines breakouts
Account-based Revenues [Member] · Investment and Savings Products Segment [Member] 97,355 95,272 +2.2%
Asset-based Revenues [Member] · Investment and Savings Products Segment [Member] 607,617 498,948 +21.8%
Sales-based Revenues [Member] · Investment and Savings Products Segment [Member] 477,146 394,432 +21.0%
Show Business Segments breakouts
Corporate And Other · Total Segment Revenues from Contracts with Customers [Member] 40,920 39,630 +3.3%
Corporate And Other · Total Segment Revenues from Contracts with Customers [Member] 13,288 13,483 -1.4%
Corporate And Other · Total Segment Revenues from Contracts with Customers [Member] 48,122 52,306 -8.0%
Investment and Savings Products Segment [Member] · Total Segment Revenues from Contracts with Customers [Member] 4,200 3,557 +18.1%
Investment and Savings Products Segment [Member] · Total Segment Revenues from Contracts with Customers [Member] 1,195,406 1,002,135 +19.3%
Term Life Insurance Segment [Member] · Total Segment Revenues from Contracts with Customers [Member] 48,122 52,306 -8.0%
Term Life Insurance Segment [Member] · Total Segment Revenues from Contracts with Customers [Member] 45,120 43,187 +4.5%
Operating Expenses (FY) — — —
Show Consolidated Entities breakouts
Parent Company 40,295 39,365 +2.4%
Net Income (FY) — — —
Show Equity Components breakouts
Retained Earnings 751,234 470,518 +59.7%
Show Consolidated Entities breakouts
Parent Company 751,234 470,518 +59.7%
Net Income Loss Available To Common Stockholders Basic 748,788 717,686 +4.3%
Liability For Unpaid Claims And Claims Adjustment Expense Incurred Claims1 257,078 247,222 +4.0%
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments (FY) — — —
Show Consolidated Entities breakouts
Parent Company 530,715 546,347 -2.9%
Income Loss From Equity Method Investments (FY) — — —
Show Consolidated Entities breakouts
Parent Company 211,795 172,243 +23.0%
Premiums Earned Net 1,783,903 1,729,171 +3.2%
Show Product Lines breakouts
Accident And Health Insurance Segment 495 549 -9.8%
Life Insurance Segment 1,783,408 1,728,622 +3.2%

Balance Sheet

Balance Sheet
Metric FY 2025 FY 2024 YoY
Current Assets
Cash & Cash Equivalents 756,227 687,821 +9.9%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 · Fair Value Measurements Recurring 756,227 687,821 +9.9%
Show Consolidated Entities breakouts
Parent Company 355,011 356,257 -0.3%
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 756,227 687,821 +9.9%
Non-Current Assets
Deferred Tax Assets 132,037 122,664 +7.6%
Show Consolidated Entities breakouts
Parent Company 11,446 36,350 -68.5%
Operating Lease Right-of-Use Assets 41,900 47,023 -10.9%
Total Assets 15,012,336 14,582,022 +3.0%
Show Consolidated Entities breakouts
Parent Company 3,223,607 2,884,676 +11.7%
Property, Plant & Equipment 39,771 40,698 -2.3%
Other Assets
Held To Maturity Securities 1,175,380 1,303,880 -9.9%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level3 · Carrying Reported Amount Fair Value Disclosure 1,175,380 1,303,880 -9.9%
Equity Securities Fv Ni 26,433 27,144 -2.6%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 · Fair Value Measurements Recurring 26,433 24,598 +7.5%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 26,433 27,144 -2.6%
Estimate Of Fair Value Fair Value Disclosure 26,433 27,144 -2.6%
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 26,433 27,144 -2.6%
Policy Loans And Other Invested Assets 56,233 50,881 +10.5%
Investments 4,536,093 4,331,042 +4.7%
Show Consolidated Entities breakouts
Parent Company 166,110 140,527 +18.2%
Accrued Investment Income Receivable 30,122 28,100 +7.2%
Reinsurance Recoverables 2,564,952 2,744,165 -6.5%
Show Product Lines breakouts
Other Insurance Product Line 14,765 15,143 -2.5%
Term Life and Other 2,564,952 2,744,165 -6.5%
Term Life Insurance 2,550,187 2,729,022 -6.6%
Deferred Policy Acquisition Costs 3,915,998 3,680,430 +6.4%
Show Business Segments breakouts
Other [Member] 15,417 16,528 -6.7%
Segregated Funds (Canada) [Member] 55,139 55,303 -0.3%
Term Life Insurance [Member] 3,845,442 3,608,599 +6.6%
Premiums And Other Receivables Net 275,171 282,607 -2.6%
Show Consolidated Entities breakouts
Parent Company 1,800 1,706 +5.5%
Intangible Assets Net Excluding Goodwill 45,275 45,275 0.0%
Income Tax Receivable 45,265 — —
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Parent Company 124,470 — —
Other Assets 387,776 403,608 -3.9%
Show Consolidated Entities breakouts
Parent Company 854 807 +5.8%
Separate Account Assets 2,281,520 2,209,287 +3.3%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level2 · Fair Value Measurements Recurring 2,281,520 2,209,287 +3.3%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 2,281,520 2,209,287 +3.3%
Estimate Of Fair Value Fair Value Disclosure 2,281,520 2,209,287 +3.3%
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 2,281,520 2,209,287 +3.3%
Show Investment Type breakouts
Cash And Cash Equivalents 69,952 46,764 +49.6%
Due To/From Funds [Member] -5,318 -36,350 +85.4%
Equity Securities 1,595,934 1,490,628 +7.1%
Fixed Income Securities 620,931 708,225 -12.3%
Other Long Term Investments 21 20 +5.0%
Current Liabilities
Deferred Revenue 15,521 15,606 -0.5%
Accrued Income Taxes Current 119,654 57,987 +106.3%
Show Consolidated Entities breakouts
Parent Company 93,000 21,361 +335.4%
Non-Current Liabilities
Deferred Tax Liabilities 28,306 57,624 -50.9%
Show Consolidated Entities breakouts
Parent Company 8,410 — —
Total Liabilities 12,566,434 12,322,981 +2.0%
Show Consolidated Entities breakouts
Parent Company 777,705 625,635 +24.3%
Other Liabilities
Available For Sale Securities Debt Securities 3,265,246 2,946,126 +10.8%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 · Corporate Debt Securities 3,748 3,787 -1.0%
Fair Value Inputs Level1 · Fair Value Measurements Recurring 3,748 3,787 -1.0%
Fair Value Inputs Level2 · Commercial Mortgage Backed Securities 83,456 99,445 -16.1%
Fair Value Inputs Level2 · Corporate Debt Securities 1,992,125 1,821,321 +9.4%
Fair Value Inputs Level2 · Fair Value Measurements Recurring 3,259,922 2,942,339 +10.8%
Fair Value Inputs Level2 · Foreign Government Debt Securities 169,033 166,424 +1.6%
Fair Value Inputs Level2 · Other Asset-backed Securities [Member] 232,769 245,520 -5.2%
Fair Value Inputs Level2 · Residential Mortgage Backed Securities 645,865 486,557 +32.7%
Fair Value Inputs Level2 · US States And Political Subdivisions 126,932 113,569 +11.8%
Fair Value Inputs Level2 · US Treasury And Government 9,742 9,503 +2.5%
Fair Value Inputs Level3 · Commercial Mortgage Backed Securities 1,576 — —
Fair Value Inputs Level3 · Fair Value Measurements Recurring 1,576 — —
Show Financial Instrument breakouts
Commercial Mortgage Backed Securities 85,032 99,445 -14.5%
Corporate Debt Securities 1,995,873 1,825,108 +9.4%
Fixed Maturities 3,265,246 — —
Fixed-Maturity Securities [Member] 3,265,246 2,946,126 +10.8%
Foreign Government Debt Securities 169,033 166,424 +1.6%
Other Asset-backed Securities [Member] 232,769 245,520 -5.2%
Residential Mortgage Backed Securities 645,865 486,557 +32.7%
US States And Political Subdivisions 126,932 113,569 +11.8%
US Treasury And Government 9,742 9,503 +2.5%
Show Consolidated Entities breakouts
Parent Company 166,110 140,336 +18.4%
Show Fair Value By Asset Class breakouts
Commercial Mortgage Backed Securities · Fair Value Measurements Recurring 85,032 99,445 -14.5%
Corporate Debt Securities · Fair Value Measurements Recurring 1,995,873 1,825,108 +9.4%
Foreign Government Debt Securities · Fair Value Measurements Recurring 169,033 166,424 +1.6%
Other Asset-backed Securities [Member] · Fair Value Measurements Recurring 232,769 245,520 -5.2%
Residential Mortgage Backed Securities · Fair Value Measurements Recurring 645,865 486,557 +32.7%
US States And Political Subdivisions · Fair Value Measurements Recurring 126,932 113,569 +11.8%
US Treasury And Government · Fair Value Measurements Recurring 9,742 9,503 +2.5%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 3,265,246 2,946,126 +10.8%
Estimate Of Fair Value Fair Value Disclosure 3,265,246 2,946,126 +10.8%
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 3,265,246 2,946,126 +10.8%
Trading Securities Debt 12,801 3,011 +325.1%
Liability For Future Policy Benefits 6,818,179 6,503,064 +4.8%
Show Product Lines breakouts
Other Insurance Product Line 203,678 202,371 +0.6%
Term Life and Other 6,818,179 6,503,064 +4.8%
Term Life Insurance 6,614,501 6,300,693 +5.0%
Liability For Claims And Claims Adjustment Expense 495,356 488,350 +1.4%
Other Policyholder Funds 356,427 402,323 -11.4%
Notes Payable 595,315 594,512 +0.1%
Surplus Notes 1,175,119 1,303,556 -9.9%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level3 · Carrying Reported Amount Fair Value Disclosure 1,175,119 1,303,556 -9.9%
Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure 1,150,995 1,225,708 -6.1%
Operating Lease Liability 49,565 55,478 -10.7%
Other Liabilities 546,596 549,160 -0.5%
Show Consolidated Entities breakouts
Parent Company 7,512 7,849 -4.3%
Obligation To Return Securities Received As Collateral 84,876 86,034 -1.3%
Separate Accounts Liability 2,281,520 2,209,287 +3.3%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level2 · Fair Value Measurements Recurring 2,281,520 2,209,287 +3.3%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 2,281,520 2,209,287 +3.3%
Estimate Of Fair Value Fair Value Disclosure 2,281,520 2,209,287 +3.3%
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 2,281,520 2,209,287 +3.3%
Aoci Liability For Future Policy Benefit After Tax 134,594 224,833 -40.1%
Stockholders' Equity
Common Stock 318 334 -4.8%
Show Consolidated Entities breakouts
Parent Company 318 334 -4.8%
Retained Earnings 2,416,149 2,231,483 +8.3%
Show Consolidated Entities breakouts
Parent Company 2,416,149 2,231,483 +8.3%
Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Net Of Tax -15,836 -34,767 +54.5%
Accumulated Other Comprehensive Income Loss Available For Sale Securities Adjustment Net Of Tax -89,323 -162,842 +45.1%
Total Stockholders' Equity 2,445,902 2,259,041 +8.3%
Show Equity Components breakouts
Accumulated Other Comprehensive Income 29,435 27,224 +8.1%
Common Stock 318 334 -4.8%
Retained Earnings 2,416,149 2,231,483 +8.3%
Show Consolidated Entities breakouts
Parent Company 2,445,902 2,259,041 +8.3%
Total Liabilities & Equity 15,012,336 14,582,022 +3.0%
Show Consolidated Entities breakouts
Parent Company 3,223,607 2,884,676 +11.7%
Accumulated Other Comprehensive Income (Q) — — —
Show Consolidated Entities breakouts
Parent Company 29,435 27,224 +8.1%

Cash Flow Statement

Cash Flow Statement
Metric FY 2025 FY 2024 YoY
Operating Activities
Increase Decrease In Insurance Liabilities 95,227 144,269 -34.0%
Increase Decrease In Deferred Policy Acquisition Costs -535,014 -547,595 +2.3%
Deferred Income Tax Expense Benefit From Continuing And Discontinuing Operations -29,553 -110,597 +73.3%
Increase Decrease In Income Taxes Payable Net Of Income Taxes Receivable 17,403 46,567 -62.6%
Show Consolidated Entities breakouts
Parent Company -52,831 38,081 -238.7%
Accretion Amortization Of Discounts And Premiums Investments -3,374 -3,384 +0.3%
Show Consolidated Entities breakouts
Parent Company -887 -2,185 +59.4%
Depreciation And Amortization 19,253 23,401 -17.7%
Increase Decrease In Reinsurance Recoverable 231,799 190,953 +21.4%
Increase Decrease In Premiums Receivable 7,437 -12,299 +160.5%
Increase Decrease In Renewal Commissions Receivable 3,758 22,675 -83.4%
Proceeds From Payments For Trading Securities -9,540 15,308 -162.3%
Stock-Based Compensation 24,600 25,075 -1.9%
Show Business Segments breakouts
Corporate and Other Distributed Products Segment [Member] · Nonemployee Shares [Member] 18,043 15,390 +17.2%
Investment and Savings Products Segment [Member] · Nonemployee Shares [Member] 3,333 3,171 +5.1%
Term Life Insurance Segment [Member] · Nonemployee Shares [Member] 3,224 4,974 -35.2%
Show Consolidated Entities breakouts
Parent Company 4,626 2,636 +75.5%
Show Award Type breakouts
Nonemployee Shares [Member] 24,600 23,535 +4.5%
Increase Decrease In Other Operating Capital Net 4,229 1,903 +122.2%
Show Consolidated Entities breakouts
Parent Company 332 3,938 -91.6%
Net Cash from Operations 901,178 862,088 +4.5%
Show Consolidated Entities breakouts
Parent Company 519,055 537,344 -3.4%
Deferred Income Taxes -29,553 -31,805 +7.1%
Show Consolidated Entities breakouts
Parent Company 33,035 -35,209 +193.8%
Investing Activities
Proceeds From Sale Of Available For Sale Securities Debt 24,735 7,363 +235.9%
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 454,306 420,742 +8.0%
Show Consolidated Entities breakouts
Parent Company 200,185 176,483 +13.4%
Proceeds From Sale Of Equity Securities Fv Ni 26 — —
Proceeds From Sale Of Trading Securities Heldforinvestment 1,829 4,375 -58.2%
Purchases of Investments -690,184 -664,178 -3.9%
Show Consolidated Entities breakouts
Parent Company -191,554 -77,249 -148.0%
Payments To Acquire Trading Securities Heldforinvestment -228 -211 -8.1%
Other Investing Activities -26,052 -29,228 +10.9%
Increase Decrease In Collateral Held Under Securities Lending -1,158 -13,751 +91.6%
Proceeds From Payment For Sales Purchases Of Short Term Investments Using Collateral Held Under Securities Lending Net 1,158 13,751 -91.6%
Net Cash from Investing -235,568 -232,250 -1.4%
Show Consolidated Entities breakouts
Parent Company 9,074 140,655 -93.5%
Financing Activities
Payments Of Dividends Common Stock -136,052 -112,814 -20.6%
Show Consolidated Entities breakouts
Parent Company -136,052 -112,814 -20.6%
Share Repurchases -450,033 -425,035 -5.9%
Show Consolidated Entities breakouts
Parent Company -450,033 -425,035 -5.9%
Excise Tax Paid On Common Stock Repurchased -3,910 -3,390 -15.3%
Show Consolidated Entities breakouts
Parent Company -3,910 -3,390 -15.3%
Tax Withholding for Share Compensation -9,380 -9,646 +2.8%
Show Consolidated Entities breakouts
Parent Company -9,380 -9,646 +2.8%
Finance Lease Principal Payments -262 -256 -2.3%
Net Cash from Financing -599,637 -551,141 -8.8%
Show Consolidated Entities breakouts
Parent Company -529,375 -550,885 +3.9%
Supplemental
Interest Paid 23,112 24,224 -4.6%
Show Consolidated Entities breakouts
Parent Company 17,054 17,054 0.0%
Income Taxes Paid 236,067 140,252 +68.3%
Other Cash Flow
Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations 2,433 -4,024 +160.5%
Net Change in Cash 68,406 74,673 -8.4%
Show Consolidated Entities breakouts
Parent Company -1,246 127,114 -101.0%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations 756,227 687,821 +9.9%
Show Consolidated Entities breakouts
Parent Company 355,011 356,257 -0.3%

Values in thousands USD. Source: SEC EDGAR 10-K filing.

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