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Sep 30
Primerica Q3 2025 Earnings Report
Primerica reported its third quarter 2025 financial results, showcasing strong performance across its segments with increased revenues, net income, and EPS.
Key Takeaways
Primerica delivered solid third-quarter results, with total revenues increasing by 8% to $839.9 million and net income rising by 6% to $206.8 million. Diluted EPS grew by 11% to $6.35, driven by strong Investment and Savings Products sales and steady growth in Term Life premiums. The company also reported record ISP client asset values and a growing life-licensed sales force.
Total revenues reached $839.9 million, an 8% increase from the prior year period.
Net income grew by 6% to $206.8 million, with diluted EPS increasing by 11% to $6.35.
Investment and Savings Products (ISP) sales hit a record $3.7 billion, up 28%, and client asset values reached $126.8 billion, up 14%.
The life-licensed sales force expanded by 2% to 152,200 representatives, and adjusted direct premiums for Term Life grew by 5%.
Primerica
Primerica
Primerica Revenue by Segment
Revenue by Segment
Term Life Insurance Revenue
CapyFin.comInvestment and Savings Products Revenue
CapyFin.comCorporate and Other Distributed Products Revenue
CapyFin.com Forward Guidance
The earnings report does not contain explicit forward-looking guidance for future quarters or the full fiscal year. However, the company's consistent performance and strategic focus on complementary business segments suggest continued stability and growth.
Positive Outlook
- Continued strong momentum in the Investment and Savings Products segment.
- Steady growth in Term Life premiums, indicating segment strength.
- Effectiveness of the business model in empowering middle-income families.
- Ongoing commitment to financial decision-making support for clients.
- Strategic focus on complementary business segments for balanced performance.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- Recruits and new life licenses declined compared to strong prior-year levels, though still solid relative to non-convention years.
- Life Insurance Policies Issued decreased year-over-year.
- Issued Term Life Face Amount decreased compared to the prior year.
- The report does not specify any explicit negative outlooks or challenges for the upcoming periods.