Discounted Cash Flow
Primerica, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $1.5b | $219.4m | $292.2m | 14.4% | $4.59 |
| 2017 | $1.7b (11.2%) | $350.3m (59.6%) | $388.5m (33.0%) | 20.7% (43.6%) | $7.63 (66.2%) |
| 2018 | $1.9b (12.5%) | $324.1m (-7.5%) | $478.1m (23.0%) | 17.1% (-17.7%) | $7.35 (-3.7%) |
| 2019 | $2.1b (8.0%) | $366.4m (13.1%) | $485.5m (1.6%) | 17.9% (4.6%) | $8.65 (17.7%) |
| 2020 | $2.2b (8.0%) | $386.2m (5.4%) | $643.4m (32.5%) | 17.4% (-2.4%) | $9.60 (11.0%) |
| 2021 | $2.7b (22.2%) | $373.4m (-3.3%) | $657.0m (2.1%) | 13.8% (-20.9%) | $9.41 (-2.0%) |
| 2022 | $2.7b (0.4%) | $373.0m (-0.1%) | $731.9m (11.4%) | 13.7% (-0.5%) | $9.77 (3.8%) |
| 2023 | $2.8b (3.5%) | $576.6m (54.6%) | $658.6m (-10.0%) | 20.5% (49.3%) | $15.97 (63.5%) |
| 2024 | $3.1b (9.7%) | $470.5m (-18.4%) | $737.1m (11.9%) | 15.2% (-25.6%) | $13.73 (-14.0%) |
| 2025 | $3.3b (6.6%) | $751.2m (59.7%) | $875.1m (18.7%) | 22.8% (49.8%) | $22.95 (67.2%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.