Primerica Q4 Sales Rise 8% to $853.7M, EPS Beats by 8%
Primerica reported Q4 CY2025 revenue of $853.7 million, up 8% year-over-year, beating analysts by 0.8% and non-GAAP EPS of $6.13, 8% above consensus. Net premiums earned rose 1.3% to $445.9 million, missing forecasts, while pre-tax profit reached $247.1 million for a 28.9% margin.
1. Q4 Financial Results
Primerica posted $853.7 million in Q4 CY2025 revenue, up 8% year-over-year, with adjusted EPS of $6.13, exceeding consensus by 8%. Pre-tax profit reached $247.1 million, reflecting a 28.9% margin driven by strong investment income and fee revenue.
2. Net Premiums Earned
Net premiums earned totaled $445.9 million, a 1.3% increase from the prior year but falling short of the $455.7 million forecast. The modest growth in core insurance underwriting highlights a deceleration in new policy sales amid competitive market conditions.
3. Business Model Balance and Market Reaction
CEO Glenn Williams highlighted the complementary balance between the stable Term Life in-force block and the expanding Investment and Savings Products segment. Shares rose 1.9% on the announcement, reflecting investor confidence in Primerica’s diversified revenue streams.