Primerica (PRI) reported $770.09 million in revenue for the quarter ended September 2024, representing a year-over-year increase of 8%. EPS of $5.68 for the same period compares to $4.28 a year ago.The reported revenue represents a surprise of +4.05% over the Zacks Consensus Estimate of $740.09 million. With the consensus EPS estimate being $4.78, the EPS surprise was +18.83%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Stre ...

Primerica (PRI) came out with quarterly earnings of $5.68 per share, beating the Zacks Consensus Estimate of $4.78 per share. This compares to earnings of $4.28 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 18.83%. A quarter ago, it was expected that this life insurance and financial products company would post earnings of $4.45 per share when it actually produced earnings of $4.71, delivering a surprise of 5.84%.Over the la ...

Exhibit 99.2 Supplemental Financial Information Third Quarter 2024 Page Preface, definition of non-GAAP financial measures 3 Condensed balance sheets and reconciliation of balance sheet non-GAAP to GAAP financial measures 4 Financial results and other statistical data 5 Statements of income 6 Reconciliation of statement of income GAAP to non-GAAP financial measures 7-8 Segment operating results Term Life Insurance segment - financial results, financial analysis, and key statistics 9-10 Investment and Saving ...

Primerica (PRI) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended September 2024. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on November 6, 2024, might help the stock move higher if these key numbers are better than ...

Momentum investing is all about the idea of following a stock's recent trend, which can be in either direction. In the 'long' context, investors will essentially be "buying high, but hoping to sell even higher." And for investors following this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving in that direction. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades. Whi ...

Shares of Primerica Inc. (PRI) closed at $263.34 on Tuesday, near a 52-week high of $265.67. A compelling portfolio, strong market presence and solid capital position are driving the share price higher. This second-largest issuer of term-life insurance coverage in North America envisions being a successful senior health business while continuing to enhance its shareholders' value. PRI's earnings have risen 17.6% in the past five years, outperforming the industry average of 4.6%. Shares of PRI have gained 11 ...

Momentum investing is all about the idea of following a stock's recent trend, which can be in either direction. In the 'long' context, investors will essentially be "buying high, but hoping to sell even higher." And for investors following this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving in that direction. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades. Whi ...

Primerica Inc. (PRI) is set to benefit from its compelling portfolio, strong market presence and solid capital position. These, along with growth projections as well as positive analyst sentiment, make this Zacks Rank #2 (Buy) life insurer worth adding to your portfolio. PRI's earnings have risen 17.6% in the past five years, outperforming the industry average of 5.9%. This second-largest issuer of term-life insurance coverage in North America envisions being a successful senior health business while contin ...

BostjanT Written by Nick Ackerman We had previously touched on Primerica, Inc. (NYSE:PRI) after The Bear Cave took aim at this company. We rejected the short report as a lack of understanding of the underlying business. From my previous experience, it seemed like the short report highlighted what is simply business as usual in the financial sector. Primerica also took a shot back against the bears with their strong Q2 results. The top and bottom lines both beat expectations by a wide margin, with solid grow ...

独立销售代表 - 公司新增独立销售代表人数增加，三个月和六个月分别增加10,439人和3,595人[171][173] - 独立销售代表总数增加至145,789人，较去年同期增加7,983人[174][175] - 由Primerica独立销售代表提交的高级健康保险单数量下降16.5%，达到1,425份[203] 保单销售 - 新签发的人寿保单数量增加，三个月和六个月分别增加3,815份和5,841份[176][178] - 人寿保单总保额增加至9,508.8亿美元，较去年同期增加16.013亿美元[179][180] - 提交的高级健康保险单数量增长13.5%，达到15,767份[203] - 获批的高级健康保险单数量增长13.4%，达到14,646份[203] 产品销售 - 产品销售总额增长29%，达到30.83亿美元[182] - 美国零售共同基金销售额增长23%，达到12.29亿美元[182] - 加拿大零售共同基金销售额增长39%，达到1.48亿美元[182] - 年金及其他产品销售额增长41%，达到10.39亿美元[182] - 管理投资产品销售额增长44%，达到4.56亿美元[182] 客户资产 - 客户资产总值增长2%，达到1,051.12亿美元[183][184][185][186][188] - 收费产生的平均客户头寸数量增长2%[187][189] 再保险 - 公司广泛使用再保险以降低风险敞口，并通过再保险安排获得了显著的影响[217][218][219] 业务影响因素 - 公司的投资和储蓄产品业务主要受销售、客户账户资产价值和管理的转账代理记录头寸数量的影响[221][222][223][224][225][226] - 公司的高级健康业务主要受批准保单数量、每批准保单的终身价值(LTV)和获客成本(CAC)的影响[227][228][229] - 每批准保单的LTV反映了续保率、保单保持率和退保活动的最新经验[209] - 每批准保单的CAC主要由于为即将到来的投保期间增加了新员工的入职和培训投资而有所增加[210] - 公司确认了调整过往期间批准政策之外的收入,这些调整称为尾部收入调整,可能产生正面或负面影响[230] - 获批单位的客户获取成本包括获取和生成线索的成本,以及与公司的电话销售代表相关的人工、福利、奖金、许可和培训成本[231] - 公司还获得其他收入,包括为保险公司提供营销服务和健康风险评估服务的收入[232,233] 财务影响因素 - 公司的财务业绩受到资本结构的影响,包括公司的高级无担保票据、冗余准备融资交易和循环信贷额度[237] - 公司的财务业绩受到加拿大子公司业务的汇率变动的影响[238] - 公司确定了商誉减值,并将商誉账面价值减记至零[241] 财务表现 - 公司总收入同比增长17%,主要受益于保费收入、佣金和费用收入以及投资收益的增加[243,250] - 公司总费用同比增加59%,主要由于商誉减值、销售佣金和其他运营费用的增加[244,251] - 公司第二季度所得税有效税率为85%,主要受商誉减值和递延税项的影响[252] - 总收入在2024年6月30日结束的六个月内较2023年同期有所增加[253] - 总利益和费用在2024年6月30日结束的六个月内较2023年同期有所增加[254] - 有效所得税率从2023年6月30日结束的六个月的23.4%上升至2024年同期的25.6%[255] - 期间保费净额在2024年6月30日结束的三个月和六个月内均较上年同期有所增加[258][263] - 给付金和赔款在2024年6月30日结束的三个月和六个月内均较上年同期有所增加[259][265] - 未来保单利益重新计量收益在2024年6月30日结束的三个月和六个月内均较上年同期有所增加[260][266] - 获准递延取得成本的摊销在2024年6月30日结束的三个月和六个月内均较上年同期有所增加[261][267] - 保险费用在2024年6月30日结束的三个月和六个月内均较上年同期有所增加[262][268] - 投资和储蓄产品分部的佣金和费用在2024年6月30日结束的三个月和六个月内均较上年同期有所增加[270][273] - 其他运营费用在2024年6月30日结束的三个月和六个月内均较上年同期有所增加[272][275] - 公司三个月期间的佣金和费用收入基本保持稳定，批准的保单销量有所增加，每单LTV也有所提高[282] - 其他净收入下降主要是由于营销发展收入的列报方式发生变化，现在计入佣金和费用收入而非其他净收入[283] - 合同获取成本增加主要是由于批准的保单销量增加以及每单成本上升[284] - 计提了商誉及其他长期资产减值[285] - 其他经营费用未发生重大变化[286] - 总收入增加主要由于投资收益和其他收入的增加，其中包括从保证和担保保险政策收到的5000万美元收益[294,295] - 投资损失减少主要由于2024年期间销售收益增加[296] - 总费用略有增加主要由于基础设施技术成本和员工相关成本的增加，但被非期限寿险业务的赔付减少所抵消[297,298] - 六个月期间总收入增加也是由于投资收益和其他收入的增加[299,300] - 六个月期间总费用增加与三个月期间的原因相同[301] 投资组合 - 公司采取保守的投资策略，投资组合的平均评级为A级，平均久期为