Recruitment and Sales Performance - The number of new recruits decreased to 101,156 in Q3 2025 from 142,655 in Q3 2024, reflecting a decline of approximately 29%[114] - New life-licensed independent sales representatives fell to 12,482 in Q3 2025 from 14,349 in Q3 2024, a decrease of about 13%[114] - The average number of life-licensed independent sales representatives increased to 152,494 in Q3 2025 from 147,128 in Q3 2024, an increase of approximately 4%[116] - New policies issued decreased to 79,379 in Q3 2025 from 93,377 in Q3 2024, a decline of about 15%[116] Financial Metrics and Revenue - Total revenues for the three months ended September 30, 2025, increased by 8% to $839,852,000 compared to $774,129,000 for the same period in 2024[158] - Net premiums rose by 3% to $454,547,000 for the three months ended September 30, 2025, up from $439,807,000 in 2024[158] - Commissions and fees increased by 20% to $325,490,000 for the three months ended September 30, 2025, compared to $271,901,000 in 2024[158] - Total revenues in the Term Life Insurance segment rose by 3% to $463,301,000 for the three months ended September 30, 2025, from $450,306,000 in 2024[167] - Net income for the three months ended September 30, 2025, was $206,793,000, up from $164,373,000 in 2024, reflecting a significant increase[158] Investment and Asset Management - Investment and savings product sales increased by 28% to $3,712 million for the three months ended September 30, 2025, compared to $2,905 million in the same period of 2024[122] - Managed investments saw a significant increase of 74% in sales, reaching $717 million for the three months ended September 30, 2025, up from $412 million in 2024[122] - Client asset values rose to $126,793 million at the end of the period, reflecting a 5% increase from $111,247 million in the prior year[126] - Average client asset values increased by 14% to $123,117 million for the three months ended September 30, 2025, compared to $108,151 million in 2024[123] Expenses and Claims - Total benefits and expenses increased by 9% to $568,173,000 for the three months ended September 30, 2025, from $519,551,000 in 2024[160] - Benefits and claims in the Term Life Insurance segment increased by 5% to $168,319,000 for the three months ended September 30, 2025, compared to $160,652,000 in 2024[167] - Total expenses for the nine months ended September 30, 2025, were $652.9 million, a 19% increase from $550.4 million in the same period of 2024[179] Risk Management and Capital Structure - The company reinsured between 80% and 90% of the mortality risk on term life insurance, which significantly affects its operational results[140] - The company intends to continue ceding approximately 90% of its mortality risk on new business, which helps reduce volatility associated with mortality rate variances[143] - The company's financial results are affected by its capital structure, including senior unsecured notes and a revolving credit facility[153] - The U.S. life insurance subsidiaries maintained statutory capital and surplus substantially in excess of regulatory requirements as of September 30, 2025[209] Cash Flow and Investments - Cash flows from operating activities decreased to $562.9 million for the nine months ended September 30, 2025, down from $591.4 million in the prior year[206] - Cash flows used in investing activities improved to $(115.8) million in 2025 from $(181.6) million in 2024, primarily due to fluctuations in the timing of maturities and sales of debt securities[207] - Cash flows used in financing activities increased to $(491.6) million in 2025, primarily due to higher stockholder dividend payments[208] Accounting and Regulatory Compliance - The company prepares financial statements in accordance with U.S. GAAP, requiring estimates and assumptions that could affect results of operations and financial position[155] - Critical accounting estimates include DAC, future policy benefit reserves, income taxes, and the valuation of investments, which are susceptible to changes[156] - The company has adopted a principle-based reserves approach (PBR) which significantly reduced redundant statutory policy benefit reserve requirements while ensuring adequate liabilities are held[214] Currency and Market Impact - Changes in the Canadian dollar relative to the U.S. dollar affect the consolidated financial results reported in U.S. dollars[154] - Economic uncertainty in 2025 has impacted consumer behavior, potentially reducing demand for financial products[111] - The cumulative impact of inflation has led to elevated costs for middle-income families, adversely affecting policy persistency[111] Forward-Looking Statements - Forward-looking statements in the report involve risks and uncertainties, including future financial performance and business strategies[221]

Primerica (NYSE:PRI) Q3 2025 Earnings Call November 06, 2025 10:00 AM ET Speaker1Greetings and welcome to the Primerica third quarter 2025 earnings call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Nicole ...

Earnings Results Quarter Ended September 30, 2025 Forward-Looking Statements This presentation may contain forward-looking statements. Information on factors that could cause results to differ materially from those projected in this presentation is available in our Form 10-K for the year ended December 31, 2024, as may be modified by subsequent Forms 10-Q. These documents are available in the Investor Relations section of our website, https://investors.primerica.com. The forward- looking statements speak as ...

Primerica (PRI) came out with quarterly earnings of $6.33 per share, beating the Zacks Consensus Estimate of $5.52 per share. This compares to earnings of $5.68 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +14.67%. A quarter ago, it was expected that this life insurance and financial products company would post earnings of $5.18 per share when it actually produced earnings of $5.46, delivering a surprise of +5.41%.Over the ...

Exhibit 99.2 Supplemental Financial Information Third Quarter 2025 Table of Contents PRIMERICA, INC. Financial Supplement 2 of 17 Preface PRIMERICA, INC. Financial Supplement Third Quarter 2025 This document is a financial supplement to our third quarter 2025 earnings release. It is designed to enable comprehensive analysis of our ongoing business using the same core metrics that our management utilizes in assessing our business and making strategic and operational decisions. Throughout this document we pro ...

DULUTH, Ga.--(BUSINESS WIRE)--PRIMERICA REPORTS THIRD QUARTER 2025 RESULTS. ...

Core Insights - The Primerica Household Budget Index (HBI) is estimated at 100.4% in September, reflecting a 0.2% increase from the previous month and a 0.6% increase from the same month last year [1] Economic Indicators - The Consumer Price Index (CPI) rose by 3.0% in September compared to the previous year, indicating ongoing inflationary pressures affecting household budgets [1]

Core Viewpoint - Primerica (PRI) is positioned to potentially continue its earnings-beat streak in the upcoming report, supported by a strong historical performance in earnings surprises [1][5]. Earnings Performance - In the last reported quarter, Primerica achieved earnings of $5.46 per share, exceeding the Zacks Consensus Estimate of $5.18 per share, resulting in a surprise of 5.41% [2]. - For the previous quarter, Primerica's earnings were $5.02 per share against an expected $4.77 per share, delivering a surprise of 5.24% [2]. Earnings Estimates - Recent estimates for Primerica have been trending upward, with a positive Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of an earnings beat [5][8]. - The current Earnings ESP for Primerica stands at +3.21%, reflecting increased analyst optimism regarding its near-term earnings potential [8]. Zacks Rank and Predictive Power - Primerica holds a Zacks Rank of 1 (Strong Buy), which, when combined with a positive Earnings ESP, suggests a high probability of another earnings beat [8]. - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have historically produced positive surprises nearly 70% of the time [6].

Core Insights - Nabeel Bukhari combines legal expertise in company and corporate law with self-taught financial analysis skills, providing a unique perspective on business dynamics [1] - His work has been published on respected platforms such as InvestorPlace and GuruFocus, and featured in notable publications like Forbes, Yahoo Finance, and MSN [1] Summary by Categories Legal and Financial Expertise - Nabeel Bukhari holds a law degree specializing in company and corporate law, enhancing his understanding of business operations [1] - His self-taught financial analysis skills complement his legal background, making him a valuable asset in the financial sector [1] Publications and Contributions - Bukhari's insights have been published by respected financial platforms, indicating his credibility and expertise in the field [1] - He is associated with another author, Saba Sadiq, on Seeking Alpha, which may enhance the reach and impact of his analyses [1]

Core Insights - Nabeel Bukhari combines legal expertise in company and corporate law with self-taught financial analysis skills, providing a unique perspective on business dynamics [1] - His work has been published on respected platforms such as InvestorPlace and GuruFocus, and featured in notable publications like Forbes, Yahoo Finance, and MSN [1] Group 1 - Nabeel Bukhari is a law graduate specializing in company and corporate law [1] - He possesses self-taught expertise in financial analysis, enhancing his insights into business dynamics [1] - His contributions extend beyond traditional academics, making him a valuable asset in the financial realm [1] Group 2 - Bukhari's insights have been recognized and published by respected financial platforms [1] - He has collaborated with other authors, including Saba Sadiq, indicating a network within the financial analysis community [1]