Primerica (PRI) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Primerica reported revenue of $853.51 million for the quarter ended December 2025, marking an 8% increase year-over-year and a surprise of +1.43% over the Zacks Consensus Estimate of $841.45 million [1] - Earnings per share (EPS) reached $6.13, up from $5.03 in the same quarter last year, resulting in a surprise of +7.81% compared to the consensus EPS estimate of $5.69 [1] Financial Performance Metrics - Life-Licensed Sales Force at the end of the period was 151,524, slightly below the average estimate of 153,248 [4] - Average Client Asset Values were reported at $128.20 billion, marginally lower than the average estimate of $128.33 billion [4] - Life Insurance Policies Issued totaled 76,143, exceeding the average estimate of 70,864 [4] - Recruits numbered 75,369, significantly below the average estimate of 94,649 [4] - New Life-Licensed Representatives stood at 10,998, compared to the average estimate of 12,993 [4] Revenue Breakdown - Net premiums revenue was $448.19 million, below the average estimate of $460.67 million, but showed a +1.8% change year-over-year [4] - Commissions and fees revenue reached $347.39 million, surpassing the average estimate of $320.44 million, with an impressive +18.2% change year-over-year [4] - Other net revenues were $15.35 million, below the average estimate of $17.36 million, reflecting a -9.8% year-over-year change [4] - Net investment income was reported at $42.12 million, matching the average estimate [4] - Adjusted Operating Revenues for Investment and Savings Products were $340.34 million, exceeding the average estimate of $319.8 million, with a +19% change year-over-year [4] - Adjusted Operating Revenues for Corporate and Other Distributed Products were $56.34 million, slightly below the average estimate of $57.19 million, showing a +5.3% year-over-year change [4] - Adjusted Operating Revenues for Term Life Insurance were $456.83 million, below the average estimate of $468.58 million, with a +1.4% year-over-year change [4] Stock Performance - Primerica's shares have returned +1.5% over the past month, outperforming the Zacks S&P 500 composite, which saw a -0.3% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]