Positive context积极背景
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 · $9B
Financials
S&P 400标普400中盘
Financial金融股
$275.59
+$1.13 · +0.41%
52w low52周低 $242high高 $328
Hold off — timing against you暂缓 — 时机不利
Downtrend — stand aside until a new cycle low forms and confirms.下跌趋势——观望，直至新的周期低点形成并确认。
As of 2026-09-28截至 2026-09-28
Company intelligence公司情报
The latest call, in context把最新财报放回历史脉络
A synthesized event record across management commentary and recorded metrics. Read as context; verify exact wording in the transcript before relying.综合管理层表述与记录指标形成事件档案。仅供参考；使用前请在电话会原文中核对准确措辞。
Live company record实时公司记录
JavaScript loads the source-bounded event record here. Open Terminal if the live module does not start.JavaScript 会在此加载受来源约束的事件记录。如实时模块未启动，请打开终端。
Continue with full transcript history继续查看完整电话会历史 ↗Pressure context压力背景
History mode历史模式
Context only仅供参考 · not a signal or recommendation不构成信号或建议
Narrative claims may await line-level citation; verify in the transcript.叙述性内容可能仍待逐行引用，请在电话会原文中核对。
Price chart价格图表
daily · interactive日线 · 可交互
Open in Terminal打开终端 ↗
Loading chart…图表加载中…
The interactive chart could not load here.互动图表暂时无法在此加载。
Open the live chart in Terminal在终端中打开实时图表 ↗
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。
MMastermind Terminal — live & interactiveMastermind 终端 — 实时互动 ↗
Technicals技术面
daily bars日线数据 · 2026-09-28
Momentum (RSI 14)动量（RSI 14）
30
Oversold超卖区域
vs 50-day average相对50日均线
-8.6% below下方
Below trend跌破趋势
vs 200-day average相对200日均线
+0.1% above上方
Long trend up长期向上
Volatility波动率
27th percentile第27百分位
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 2026-11-0437
Estimates being raised — 6 analysts预期上调 — 6 位分析师
Beat expectations 4 quarters in a row连续 4 季度超预期
EPS surprise vs consensus, last quarters每股收益相对预期的超预期幅度（近几个季度） · average平均 9.8%
Valuation估值
Roughly fair vs sector相对行业估值合理| Multiple指标 | PRI | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/B市净率 | 3.58x | 1.43 | |
| P/S市销率 | 2.66x | 2.79 | |
| Shareholder yield股东收益率 | 6.69% | 4.13 |
"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
$3.3B2025
20202025
5-yr growth5年复合增速 8.2%
Earnings per share每股收益
$22.912025
20202025
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%
Debt coming due到期债务
SEC filingsSEC 文件Debt schedule not loaded yet.到期债务尚未加载。
This panel is still catching up to the SEC filings for this listing. Check back soon — nothing is being estimated in its place.本面板仍在同步该证券的 SEC 文件，请稍后再查看；此处不作任何估算替代。
A cash-flow scenario is unavailable until the filing inputs are verified.报告数据核实前，现金流情景暂不可用。
Capital-need coverage is not available for this issuer yet.该发行人的资本需求覆盖信息暂不可用。
Reported facts remain separate from the cash-flow scenario until identity and filing provenance are confirmed.在确认身份与报告来源之前，已披露事实与现金流情景保持分离。
Research context only — reported figures from SEC filings, not a rating, a signal or investment advice.仅供研究参考 — 数据摘自 SEC 文件披露口径，不构成评级、信号或投资建议。
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 reclaimed its 200-day averagePRI 收复200日均线
Ownership & smart money持仓与聪明钱
13FInsider activity:内部人动向： -$2.1M net (0 buyers, 3 sellers)-$2.1M 净值（0 买家，3 卖家）
Signal history信号历史
engine events引擎事件
NEARING A LOW → DOWNTREND接近低点 → 下跌趋势
AVOID. Failed cycle — price broke below the low that started this cycle, which historically means the larger trend is rolling over (~80% of cases)回避。失败周期——价格跌破了启动本周期的低点，历史上这通常意味着更大的趋势正在掉头向下（约 80% 的情形）
Sep 25, 2026
PRI reclaimed its 200-day averagePRI 收复200日均线
Price closed back above the 200-day moving average — the classic bull dividing line. $275.59.收盘重回200日均线 — 经典的多头分界线。$275.59。
Sep 23, 2026
PRI lost its 200-day averagePRI 跌破200日均线
Price closed below the 200-day moving average — the classic bear dividing line. $274.71.收盘跌破200日均线 — 经典的空头分界线。$274.71。
Sep 22, 2026
PRI broke down vs the marketPRI 相对市场走弱
Relative strength vs SPY crossed below the 10th percentile of the last 90 days — weakness often leads price. $275.65.相对标普500的强弱下穿近90日的第10百分位 — 走弱常先于价格。$275.65。
Sep 22, 2026
PRI RSI reached oversoldPRI RSI进入超卖
RSI(14) crossed below 30 — washed out; context, not a timing trigger alone. $275.65.RSI(14)下穿30 — 超卖；仅作背景，单独不构成择时。$275.65。
Sep 21, 2026
PRI daily MACD crossed downPRI 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $285.51.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$285.51。
Sep 16, 2026
UNCONFIRMED TURN → NEARING A LOW未确认转向 → 接近低点
GET READY准备
Sep 14, 2026
PRI daily MACD crossed upPRI 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $295.40.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$295.40。
Sep 4, 2026
PRI weekly MACD crossed downPRI 周线MACD下穿
The weekly MACD histogram turned negative — the slower, less-whippy momentum read.周线MACD柱状图转负 — 更慢、更少来回的动量信号。
Showing the last 15 of显示最近15条，共 279 signals条信号
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
Above market高于市场
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 | 3.6× | 1.4× | 13% |
| Price / Sales市销率 | 2.7× | 2.8× | 52% |
| Free-cash-flow yield自由现金流收益率 | 10.3% | 8.7% | 63% |
| Shareholder yield股东综合回报率 | 6.7% | 4.1% | 72% |
Relative strength相对强度
vs market, 1 month相对大盘（1个月）
46/100 — middle of the pack居中
vs market, 3 months相对大盘（3个月）
51/100 — middle of the pack居中
vs market, 6 months相对大盘（6个月）
50/100 — middle of the pack居中
vs market, 12 months相对大盘（12个月）
38/100 — middle of the pack居中
Rank in sector行业内排名
#129 / 261
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 | -5.2% | +1.3% |
| 1 Month近1月 | -8.5% | +0.9% |
| 3 Months近3月 | -2.9% | +6.1% |
| 6 Months近6月 | +12.4% | +22.3% |
| Year to date年初至今 | +7.5% | +13.8% |
| 1 Year近1年 | +1.9% | +18.5% |
| 3 Years近3年 | +46.9% | +87.8% |
Trading information交易信息
Beta vs market贝塔
0.20
Volatility rank波动率分位
27th pctile
Short interest空头占比
3.8% of float
Market cap市值
$9B
Off 52-week high距52周高点
-15.2%
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）
30
RSI (2-day)RSI（2日）
37
vs 20-day average相对20日均线
-4.3%
vs 50-day average相对50日均线
-8.6%
vs 200-day average相对200日均线
+0.1%
Golden cross (50>200)金叉（50>200）
in effect生效中
MACDMACD
below signal位于信号线下方
Timeframe alignment多周期共振
Daily日线
momentum down动能向下
3-day3日线
momentum down动能向下
Weekly周线
momentum down动能向下
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
68/100
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
Surprise history超预期历史
| Quarter季度 | Reported实际 | Expected预期 | Surprise超预期 |
|---|---|---|---|
| Jun 2026 | $6.41 | $5.96 | +7.5% |
| Mar 2026 | $5.96 | $5.45 | +9.4% |
| Dec 2025 | $6.13 | $5.69 | +7.7% |
| Sep 2025 | $6.33 | $5.52 | +14.7% |
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）
+2.6%
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）
-$2.1M
Insider buyers vs sellers内部人买家vs卖家
0 : 3
Short interest空头占流通盘
3.8%
Days to cover回补天数
7.5
Short interest change空头变化
+7.5%
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% | 3 |
| Jul7月 | 67% | +6.3% | 3 |
| Aug8月 | 75% | +2.0% | 4 |
| Sep9月 | 50% | +0.8% | 4 |
| 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。