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Dec 31, 2022

Primerica Q4 2022 Earnings Report

Primerica's financial performance was affected by market volatility, while strategic initiatives drove growth in key areas.

Key Takeaways

Primerica reported a decrease in GAAP revenues by 5% to $686.9 million. Net income was $131.8 million, with earnings per diluted share at $3.54 and a return on equity of 31.6%. The life-licensed sales force grew by 4.4% to a record 135,208 representatives, and term life net premiums increased by 5%.

Life-licensed sales force reached a record 135,208 representatives, a 4.4% increase.

Term Life net premiums grew by 5%, with adjusted direct premiums up by 6%.

Net earnings per diluted share (EPS) stood at $3.54, and return on stockholders’ equity (ROE) was 31.6%.

Investment and Savings Products sales reached $10 billion for the full year 2022.

Total Revenue
$687M
Previous year: $724M
-5.1%
EPS
$3.49
Previous year: $2.94
+18.7%
Client Asset Values
$83.3B
Previous year: $94.8B
-12.2%
Life-Licensed Sales Force
135.21K
Previous year: 129.52K
+4.4%
ISP Product Sales
$2.09B
Previous year: $3.02B
-30.8%
Gross Profit
$606M
Previous year: $427M
+42.0%
Cash and Equivalents
$489M
Previous year: $393M
+24.6%
Total Assets
$14.6B
Previous year: $16.1B
-9.2%

Primerica

Primerica

Primerica Revenue by Segment

Forward Guidance

Primerica did not provide specific forward guidance in this earnings report.

Revenue & Expenses

Visualization of income flow from segment revenue to net income