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Dec 31, 2025
Primerica Q4 2025 Earnings Report
Primerica reported strong fourth quarter 2025 results, driven by record Investment and Savings Products (ISP) sales and rising client asset values, alongside continued earnings growth in the Term Life segment.
Key Takeaways
Primerica delivered robust financial results in the fourth quarter of 2025, with total revenues increasing by 8% to $853.7 million and net income rising by 18% to $197.0 million. Diluted EPS reached $6.13, a 23% increase year-over-year. The company saw record ISP sales, a 15% increase in ISP client asset values, and continued growth in its Term Life segment, reflecting a balanced business model and strong sales force performance.
Total revenues increased by 8% to $853.7 million in Q4 2025 compared to the prior year period.
Net income grew by 18% to $197.0 million, with diluted EPS reaching $6.13, a 23% increase.
Investment and Savings Products (ISP) sales hit a new company record of $4.1 billion, up 24%, and ISP client asset values rose 15% to $129 billion.
The Board authorized a new $475 million share repurchase program and increased the quarterly dividend by 15% to $1.20 per share.
Revenue by Segment
Forward Guidance
Primerica's Board of Directors authorized a new $475 million share repurchase program to be completed through December 31, 2026, and approved a 15% increase in the quarterly dividend to $1.20 per share, reflecting confidence in future performance and commitment to shareholder returns.
Positive Outlook
- New $475 million share repurchase program authorized for 2026, indicating continued capital return to stockholders.
- Quarterly dividend increased by 15% to $1.20 per share, demonstrating strong financial health and commitment to shareholders.
- Continued strong demand across all major ISP product lines is expected to support future sales growth.
- Favorable equity market performance is anticipated to continue supporting client asset values.
- The Term Life business is expected to maintain stability through its large in-force block of business.
Challenges Ahead
- Recruiting and new life licenses were lower than the prior year quarter, which could impact future sales force growth.
- The number of new life insurance policies issued decreased year-over-year, potentially indicating challenges in new policy acquisition.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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