Stocks股票 / Financials / PRI
Primerica · Financials
PRI US listed · USD美股 · 美元
Primerica, Inc. is a multi-level marketing company that provides insurance, investment and financial services to middle-income families in the United States and Canada.Primerica, Inc. 是一家多层次营销公司，为美国和加拿大的中等收入家庭提供保险、投资和金融服务。
Mid cap中盘 · $10B
Financial金融股
Financials
S&P 400标普400中盘
$309.41
-$1.13 · -0.36%
52w low52周低 $242high高 $316
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (momentum is fading — the daily momentum is already rolling over). Don't…已错过筑底入场——低点已经形成，目前价格已拉伸（动量正在衰竭——日线动量已开始掉头向下）。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
Engine read引擎解读 · 2026-07-21
Price chart价格图表
daily · interactive日线 · 可交互
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Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。
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Technicals技术面
daily bars日线数据 · 2026-07-21
Momentum (RSI 14)动量（RSI 14）
66
Elevated偏高
vs 50-day average相对50日均线
+9.5% above上方
Uptrend intact趋势完好
vs 200-day average相对200日均线
+16.7% above上方
Long trend up长期向上
Volatility波动率
40th percentile第40百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。
Earnings财务业绩
next report下次财报 2026-08-0516days to go天后公布
Estimates being raised — 6 analysts预期上调 — 6 位分析师
Valuation估值
Expensive vs sector相对行业偏贵| Multiple指标 | PRI | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/B市净率 | 4.02x | 1.51 | |
| P/S市销率 | 2.99x | 2.84 | |
| Shareholder yield股东收益率 | 5.95% | 3.94 |
"Cheaper than" = share of sector peers trading richer on that multiple.「相对便宜」= 行业中该指标估值更高的同行占比。
Financials财务数据
fiscal years财年Revenue营业收入
5-yr growth5年复合增速 8.2%
Earnings per share每股收益
5-yr growth5年复合增速 19.1%
FCF margin自由现金流利润率
27.4%
Balance-sheet quality财务体质 6/6
Clean稳健
Capital allocation资本配置
Buybacks (TTM)回购（TTM）$450.0M
Stock-based comp股权薪酬$24.6M
Share count change (1y)股数变化（1年）-4.7%
Why is it moving为何波动
6 checks · nightly六项检查 · 每晚
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
PRI made a new 52-week highPRI 创52周新高
Ownership & smart money持仓与聪明钱
13FInsider activity:内部人动向： -$2.5M net (0 buyers, 4 sellers)-$2.5M 净值（0 买家，4 卖家）
Signal history信号历史
engine events引擎事件
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS. A daily bottoming setup did fire (swing low in, momentum turned up), but it's LATE — price is already extended above the cycle low (formed ~19 day(s) ago @ 280.07) and momentum is fading — the daily momentum is already rolling over. A momentum cross is a LAGGING confirmation: after a vertical run it only triggers once the move is mature, so the bottoming entry has already passed. This is a chase, not a fresh buy止盈。日线筑底形态确实已经触发（摆动低点出现、动量转向上行），但为时已晚——价格已显著高于周期低点（约 19 天前形成 @ 280.07）且动量正在衰竭——日线动量已开始掉头向下。动量交叉属于滞后确认：在垂直拉升之后，只有当走势已经成熟时才会触发，因此筑底入场早已错过。这是追高，而非新的买入
Jul 16, 2026
PRI made a new 52-week highPRI 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $312.75.价格创出52周新高 — 全市场关注的动量/趋势极值。$312.75。
Jul 16, 2026
PRI RSI reached overboughtPRI RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $312.75.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$312.75。
Jul 13, 2026
PRI made a new 52-week highPRI 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $310.22.价格创出52周新高 — 全市场关注的动量/趋势极值。$310.22。
Jul 9, 2026
PRI made a new 52-week highPRI 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $306.20.价格创出52周新高 — 全市场关注的动量/趋势极值。$306.20。
Jul 9, 2026
PRI RSI reached overboughtPRI RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $306.20.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$306.20。
Jul 6, 2026
PRI RSI reached overboughtPRI RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $299.18.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$299.18。
Jul 1, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 1, 2026
PRI took relative-strength leadershipPRI 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $291.63.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$291.63。
Jul 1, 2026
PRI made a new 52-week highPRI 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $291.63.价格创出52周新高 — 全市场关注的动量/趋势极值。$291.63。
Jun 26, 2026
NEARING A LOW → UPTREND接近低点 → 上涨趋势
HOLD持有
Jun 26, 2026
PRI took relative-strength leadershipPRI 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $283.89.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$283.89。
Jun 26, 2026
PRI made a new 52-week highPRI 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $283.89.价格创出52周新高 — 全市场关注的动量/趋势极值。$283.89。
Jun 25, 2026
UPTREND → NEARING A LOW上涨趋势 → 接近低点
GET READY准备
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Company profile公司档案
Primerica, Inc. is a multi-level marketing company that provides insurance, investment and financial services to middle-income families in the United States and Canada.Primerica, Inc. 是一家多层次营销公司，为美国和加拿大的中等收入家庭提供保险、投资和金融服务。
Style DNA — how it trades vs the market风格基因 — 相对市场的交易特征
Value价值
Below market低于市场
Investment资本投入
Below market低于市场
Shareholder payout股东回报
Below market低于市场
Low volatility低波动
Above market高于市场
Low market beta低市场敏感度
Above market高于市场
Short interest空头兴趣
Below market低于市场
The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。
Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。
Statistics — full detail统计数据 — 完整明细
Valuation vs sector估值对比行业
| Multiple指标 | This stock本股 | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| Price / Book市净率 | 4.0× | 1.5× | 12% |
| Price / Sales市销率 | 3.0× | 2.8× | 48% |
| Free-cash-flow yield自由现金流收益率 | 9.2% | 8.2% | 59% |
| Shareholder yield股东综合回报率 | 6.0% | 3.9% | 69% |
Relative strength相对强度
vs market, 1 month相对大盘（1个月）
39/100 — middle of the pack居中
vs market, 3 months相对大盘（3个月）
70/100 — stronger than most强于多数
vs market, 6 months相对大盘（6个月）
64/100 — middle of the pack居中
vs market, 12 months相对大盘（12个月）
47/100 — middle of the pack居中
Rank in sector行业内排名
#165 / 252
0–100 percentile of total return vs all covered stocks.总回报在全部覆盖股票中的百分位（0–100）。
Price history价格历史
| Period周期 | This stock本股 | S&P 500标普500 |
|---|---|---|
| 1 Week近1周 | -0.3% | -0.9% |
| 1 Month近1月 | +9.8% | -0.6% |
| 3 Months近3月 | +11.1% | +5.4% |
| 6 Months近6月 | +19.7% | +8.6% |
| Year to date年初至今 | +20.7% | +8.9% |
| 1 Year近1年 | +17.7% | +19.2% |
| 3 Years近3年 | +53.2% | +69.9% |
Trading information交易信息
Beta vs market贝塔
0.32
Volatility rank波动率分位
40th pctile
Short interest空头占比
3.7% of float
Market cap市值
$10B
Off 52-week high距52周高点
-1.1%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Financials — full detail财务数据 — 完整明细
Multi-year record多年财务记录
| 20202020 | 20212021 | 20222022 | 20232023 | 20242024 | 20252025 | |
|---|---|---|---|---|---|---|
| Revenue营业收入 | $2.2B | $2.7B | $2.7B | $2.8B | $3.1B | $3.3B |
| EPS每股收益 | $9.57 | $9.38 | $9.74 | $15.94 | $13.71 | $22.91 |
| Free cash flow自由现金流 | — | — | — | — | — | — |
| Gross margin毛利率 | — | 98.1% | 97.5% | 98.0% | — | — |
| Net margin净利率 | 17.4% | 13.8% | 13.7% | 20.5% | 15.2% | 22.8% |
| FCF margin自由现金流利润率 | — | — | — | — | — | — |
Latest fiscal year最近财年
Revenue (FY)营业收入（财年）
$3.3B
Operating cash flow经营现金流
$901M
Total assets总资产
$15.0B
Shareholder equity股东权益
$2.4B
Dividends paid股息支出
$136M
Buybacks股票回购
$450M
Shares outstanding总股本
0.03B
Returns & growth回报与增长
Asset growth资产增速
+3.0%
Accounting quality checks会计质量检查
- Earnings quality: accruals near the peer median盈利质量：应计利润接近同业中位
- Pricing power: profitability near the peer median定价能力：盈利能力接近同业中位
- Capital discipline: investment near the peer median资本纪律：投资力度接近同业中位
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Technicals — full detail技术面 — 完整明细
Indicator readings指标读数
RSI (14-day)RSI（14日）
66
RSI (2-day)RSI（2日）
44
vs 20-day average相对20日均线
+4.2%
vs 50-day average相对50日均线
+9.5%
vs 200-day average相对200日均线
+16.7%
Golden cross (50>200)金叉（50>200）
in effect生效中
MACDMACD
above signal位于信号线上方
Timeframe alignment多周期共振
Daily日线
momentum up动能向上
3-day3日线
momentum up动能向上
Weekly周线
momentum up动能向上
When daily through monthly point the same way, moves carry further.当日线到月线方向一致时，行情往往更有延续性。
Volatility regime波动状态
Range width percentile波幅宽度分位
97/100
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Earnings — full detail财务业绩 — 完整明细
Estimate revisions预期修正
Analysts covering覆盖分析师
6
Estimate direction预期调整方向
mostly raising多数上调
Estimate change, 90 days预期变化（90天）
+1.9%
Net upgrades, 30 days净上调（30天）
+6
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Ownership — full detail持仓 — 完整明细
Insiders & shorts内部人与空头
Insider net buying (6 months)内部人净买入（6个月）
-$2.5M
Insider buyers vs sellers内部人买家vs卖家
0 : 4
Short interest空头占流通盘
3.7%
Days to cover回补天数
4.5
Short interest change空头变化
-1.6%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Seasonality — full detail季节性 — 完整明细
Strongest month最强月份
Jan · 100%
Weakest month最弱月份
Mar · 33%
Month by month逐月统计
| Month月份 | Closed higher收涨占比 | Median move中位涨跌 | Years年数 |
|---|---|---|---|
| Jan1月 | 100% | +6.8% | 3 |
| Feb2月 | 67% | +0.5% | 3 |
| Mar3月 | 33% | -1.1% | 3 |
| Apr4月 | 33% | -6.9% | 3 |
| May5月 | 67% | +3.8% | 3 |
| Jun6月 | 100% | +4.8% | 4 |
| Jul7月 | 75% | +7.4% | 4 |
| Aug8月 | 67% | +2.0% | 3 |
| Sep9月 | 67% | +0.8% | 3 |
| Oct10月 | 33% | -1.2% | 3 |
| Nov11月 | 67% | +9.5% | 3 |
| Dec12月 | 33% | -1.7% | 3 |
History is a tendency, not a promise — small samples wobble.历史规律只是倾向而非保证 — 样本少时波动大。
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。