MEDIUM confidence: 100% data completeness, but the composite (60) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Avg target $291 (last qtr, 1 analysts) → $0 (last mo, 0) (-100.0%).
Buy-rated share 33% → 38% over ~3 months (+4pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| May 2026 | $5.45 | $5.96 | +9.4% |
| Feb 2026 | $5.69 | $6.13 | +7.7% |
| Nov 2025 | $5.52 | $6.33 | +14.7% |
| Aug 2025 | $5.18 | $5.46 | +5.4% |
| May 2025 | $4.78 | $5.02 | +5.0% |
| Feb 2025 | $4.81 | $5.03 | +4.6% |
| Nov 2024 | $4.81 | $5.68 | +18.1% |
| Aug 2024 | $4.45 | $4.71 | +5.8% |
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $2.7B— | $2.7B-1.9% | $2.7B+3.4% | $3.1B+12.4% | $3.2B+4.4% |
| EPS (dil.) | $9.42— | $12.33+30.9% | $15.94+29.3% | $13.71-14.0% | $22.91+67.1% |
| Free Cash Flow | $632M— | $732M+15.8% | $659M-10.0% | $833M+26.5% | $875M+5.1% |
| Gross Margin | 39.0% | 38.9%-0.1pp | 40.1%+1.2pp | 42.3%+2.2pp | 80.5%+38.2pp |
| Operating Margin | 23.7% | 27.0%+3.3pp | 28.1%+1.0pp | 30.4%+2.3pp | 30.2%-0.2pp |
| Net Margin | 17.6% | 17.8%+0.1pp | 21.0%+3.2pp | 15.2%-5.7pp | 23.3%+8.1pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Net insider -$2.1M over 180 days (0 open-market buys, 5 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
The QScore of 60 for Primerica indicates a moderately attractive stock, driven by strong profitability and low risk factors. The company scores high on profitability, with a return on equity near 32%, and exhibits strong momentum, having risen 12% over the past year. However, the value category scores lower due to a P/B ratio of 3.6, indicating the stock trades at a premium. The long-term and short-term scores are closely aligned, suggesting a consistent outlook for the company.