Primerica Inc. (NYSE:PRI) is one of the most undervalued quality stocks to buy right now. On January 28, TD Cowen increased its price target for Primerica to $326 from $322 while maintaining a Buy rating on the shares. This adjustment was made as part of the firm’s broader Q4 2025 preview of the life insurance group, in which TD Cowen maintains a balanced sector view despite anticipating a slight headwind from lower alternative returns.
In Q3 2025, Primerica Inc. reported a 7% increase in adjusted net operating income to $206 million, with diluted adjusted operating EPS rising 11% to $6.33. The company’s Investment and Savings Product segment was a major growth driver, achieving record sales of $3.7 billion, which was a 28% year-over-year surge, while client asset values reached $127 billion.
However, the Term Life segment faced significant headwinds, as new policies issued dropped 15% compared to the previous year. Management attributed this decline to cost-of-living pressures and economic uncertainty, which have caused clients to delay financial decisions and led to lapse rates exceeding long-term assumptions. Additionally, while the sales force is projected to grow to 153,000 representatives by year-end, recent recruiting and licensing figures have slowed.
Primerica Inc., together with its subsidiaries, provides financial products and services to middle-income households in the US and Canada.
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This article is originally published at Insider Monkey.
