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Primerica (PRI) investor relations material
Primerica Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net income rose to $206.8 million in Q3 2025, with diluted adjusted operating EPS at $6.33 and diluted EPS at $6.35, reflecting strong performance in core business segments.
Revenues increased 8% year-over-year to $839.9 million, with adjusted operating revenues up 9% to $838.9 million.
Return on equity remained robust at 35.9%, with continued capital deployment through $129 million in share repurchases and $34 million in dividends in Q3.
Life-licensed sales force grew 2% year-over-year to 152,200, with recruiting and licensing trends stable.
The company completed the disposal of its Senior Health business in 2024, with all related results now reported as discontinued operations.
Financial highlights
ISP segment revenues increased 20% to $319 million, with record sales of $3.7 billion and client asset values up 14% to $127 billion; pre-tax income rose 18% to $94 million.
Term Life segment revenues grew 3% year-over-year to $463 million; adjusted direct premiums up 5%; pre-tax income declined 3% to $173 million, impacted by a $23 million remeasurement gain.
Consolidated insurance and other operating expenses were $151 million, up 4% year-over-year, mainly due to higher variable costs and technology investments.
Book value per share increased 23% to $71.58; adjusted book value per share up 13% to $71.64.
Cash and cash equivalents at period end: $644.9 million; holding company ended the quarter with $370 million in cash and invested assets.
Outlook and guidance
Full-year ADP growth in term life expected around 5%, with benefits and claims ratio to remain stable at ~58% in Q4.
Full-year operating margin projected above 22%, with Q4 margin at ~21% due to accelerated technology investments.
ISP sales expected to grow around 20% for full-year 2025; management expects continued growth in both core segments.
Q4 expenses anticipated to grow 6%-8%, with full-year growth at the lower end of this range.
Full-year 2026 guidance to be provided in February.
Impact of sales force recruiting decline
Term Life profit drivers despite revenue growth
ISP product mix impact on segment profitability
Q4 capital conversion plans
What changes Term Life sales trajectory?
ISP growth sustainability drivers
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Frequently asked questions
Primerica Inc provides financial products and services to middle-income families in the United States and Canada. The company offers term life insurance, mutual funds, annuities, and other financial products through a network of independent representatives. The company is headquartered in Duluth, Georgia, and its shares are listed on the NYSE.
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