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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 26% year-over-year to $206.8 million, with diluted adjusted operating EPS up 11% to $6.33 and net earnings per diluted share at $6.35, reflecting strong performance in core business segments.
Achieved record Investment and Savings Products (ISP) sales of $3.7 billion, up 28% year-over-year, and record ISP client asset values at $127 billion, up 14%.
Returned $163 million to stockholders in Q3 via $129 million in share repurchases and $34 million in dividends; $479 million returned year-to-date.
Life-licensed sales force grew 2% year-over-year to 152,200; recruiting and licensing trends remained healthy.
Completed the disposal of the Senior Health business in 2024, with all related results now reported as discontinued operations.
Financial highlights
Total revenues increased 8% year-over-year to $839.9 million; adjusted operating revenues rose 9% to $838.9 million.
Net income for Q3 2025 was $206.8 million, up from $164.4 million in Q3 2024; adjusted net operating income up 7% to $206.1 million.
Book value per share increased 23% to $71.58; adjusted book value per share up 13% to $71.64.
Repurchased $129 million in common stock and paid $34 million in dividends; new $1.04 per share dividend declared.
Total assets as of September 30, 2025: $14.85 billion, up from $14.58 billion at year-end 2024.
Outlook and guidance
Full-year guidance maintained: ADP growth around 5%, benefits and claims ratio stable at ~58%, DAC amortization and insurance commissions ratio at ~12%, and operating margin above 22%.
ISP sales expected to grow around 20% for full-year 2025, supported by strong equity markets and demographic trends.
Q4 expenses projected to grow 6%-8%, with full-year expense growth at the lower end of this range due to realized savings.
Management expects continued growth in both core segments, supported by a stable independent sales force and favorable market conditions.
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
Expected impact of new life training on productivity
Can ISP product mix shift sustain higher fee rates
Long-term strategy for RBC ratio and capital
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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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