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Primerica
Primerica (PRI) investor relations material
Primerica Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved record 2025 results with adjusted operating revenues of $3.3 billion, adjusted net operating income of $751 million, and adjusted EPS of $22.92, reflecting year-over-year growth of 8%, 10%, and 16% respectively.
Q4 2025 net operating income was $197 million, up 16%-18% year-over-year; diluted EPS was $6.13, up 22%-23%.
ISP segment drove growth with record sales up 24% and client asset values reaching $129 billion, up 15%.
Returned 79% of net operating income to shareholders via share repurchases and dividends, with a 200 basis point increase in ROAE.
Ended the year with $968 billion in in-force protection and a life-licensed sales force of 151,524.
Financial highlights
Adjusted net operating income rose 10% to $751 million for the year; diluted adjusted operating income per share increased 16% to $22.92.
Q4 adjusted net operating income was $197 million, up 16%; adjusted operating revenues for Q4 were $853.5 million, up 8%.
Record adjusted operating revenues of $3.3 billion, up 8% year-over-year.
Return on adjusted equity increased by 200 basis points to 33.1%.
Full-year capital return was 79% of net operating income, reflecting strong cash generation.
Outlook and guidance
Expecting 1% growth in life licensed sales force and 2%-3% policy growth in 2026, maintaining a conservative outlook.
Projecting 4% growth in adjusted direct premiums and stable key financial ratios for 2026.
ISP sales growth forecasted at 5%-7% for 2026, with continued strong demand anticipated.
Dividend increased by 15% in Q1 2026, with a $475 million share repurchase program approved for 2026.
Consolidated expenses expected to grow 7%-8% in 2026, with higher first quarter expenses due to equity compensation vesting.
Address the Q4 decline in new life licenses
Which ISP products drove record sales growth?
Detail the 2026 capital return priorities
Explain ISP vs Term Life sales divergence
AI impact on Primerica's sales model
Detail capital conversion and deployment
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Next Primerica earnings date
Q1 20267 May, 2026
Primerica
Next Primerica earnings date
Q1 20267 May, 2026
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Frequently asked questions
Primerica Inc provides financial products and services to middle-income families in the United States and Canada. The company offers term life insurance, mutual funds, annuities, and other financial products through a network of independent representatives. The company is headquartered in Duluth, Georgia, and its shares are listed on the NYSE.
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