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Side-by-side financial comparison of PACS Group, Inc. (PACS) and Primerica, Inc. (PRI). Click either name above to swap in a different company.
PACS Group, Inc. is the larger business by last-quarter revenue ($1.4B vs $853.7M, roughly 1.6× Primerica, Inc.). Primerica, Inc. runs the higher net margin — 23.1% vs 4.4%, a 18.7% gap on every dollar of revenue. On growth, PACS Group, Inc. posted the faster year-over-year revenue change (18.4% vs 11.0%). Over the past eight quarters, PACS Group, Inc.'s revenue compounded faster (20.5% CAGR vs 7.2%).
Primerica, Inc. is a multi-level marketing company that provides insurance, investment and financial services to middle-income families in the United States and Canada.
PACS vs PRI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.4B | $853.7M |
| Net Profit | $59.7M | $197.0M |
| Gross Margin | — | — |
| Operating Margin | 7.0% | 28.9% |
| Net Margin | 4.4% | 23.1% |
| Revenue YoY | 18.4% | 11.0% |
| Net Profit YoY | 3022.5% | 17.9% |
| EPS (diluted) | $0.42 | $6.11 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.4B | $853.7M | ||
| Q3 25 | $1.3B | $839.9M | ||
| Q2 25 | $1.3B | $793.3M | ||
| Q1 25 | $1.3B | $804.8M | ||
| Q4 24 | $1.1B | $768.8M | ||
| Q3 24 | $1.0B | $774.1M | ||
| Q2 24 | $981.4M | $803.4M | ||
| Q1 24 | $934.3M | $742.8M |
| Q4 25 | $59.7M | $197.0M | ||
| Q3 25 | $52.4M | $206.8M | ||
| Q2 25 | $51.0M | $178.3M | ||
| Q1 25 | $28.5M | $169.1M | ||
| Q4 24 | $1.9M | $167.1M | ||
| Q3 24 | $15.6M | $164.4M | ||
| Q2 24 | $-10.9M | $1.2M | ||
| Q1 24 | $49.1M | $137.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 17.1% | — | ||
| Q2 24 | 22.3% | 98.0% | ||
| Q1 24 | 21.2% | 98.2% |
| Q4 25 | 7.0% | 28.9% | ||
| Q3 25 | 6.4% | 32.3% | ||
| Q2 25 | 6.2% | 29.6% | ||
| Q1 25 | 3.8% | 27.5% | ||
| Q4 24 | 1.7% | 64.7% | ||
| Q3 24 | 2.2% | 32.9% | ||
| Q2 24 | 0.1% | 1.0% | ||
| Q1 24 | 8.6% | 24.1% |
| Q4 25 | 4.4% | 23.1% | ||
| Q3 25 | 3.9% | 24.6% | ||
| Q2 25 | 3.9% | 22.5% | ||
| Q1 25 | 2.2% | 21.0% | ||
| Q4 24 | 0.2% | 21.7% | ||
| Q3 24 | 1.5% | 21.2% | ||
| Q2 24 | -1.1% | 0.1% | ||
| Q1 24 | 5.3% | 18.6% |
| Q4 25 | $0.42 | $6.11 | ||
| Q3 25 | $0.32 | $6.35 | ||
| Q2 25 | $0.31 | $5.40 | ||
| Q1 25 | $0.17 | $5.05 | ||
| Q4 24 | $-0.03 | $4.92 | ||
| Q3 24 | $0.10 | $4.83 | ||
| Q2 24 | $-0.07 | $0.03 | ||
| Q1 24 | $0.38 | $3.93 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $197.0M | $756.2M |
| Total DebtLower is stronger | $353.2M | — |
| Stockholders' EquityBook value | $946.8M | $2.4B |
| Total Assets | $5.6B | $15.0B |
| Debt / EquityLower = less leverage | 0.37× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $197.0M | $756.2M | ||
| Q3 25 | $355.7M | $644.9M | ||
| Q2 25 | $294.2M | $621.2M | ||
| Q1 25 | $287.5M | $625.1M | ||
| Q4 24 | $157.7M | $687.8M | ||
| Q3 24 | $49.5M | $550.1M | ||
| Q2 24 | $73.4M | $627.3M | ||
| Q1 24 | $81.2M | $593.4M |
| Q4 25 | $353.2M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $411.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $946.8M | $2.4B | ||
| Q3 25 | $871.3M | $2.3B | ||
| Q2 25 | $806.8M | $2.3B | ||
| Q1 25 | $750.2M | $2.3B | ||
| Q4 24 | $709.6M | $2.3B | ||
| Q3 24 | $660.0M | $1.9B | ||
| Q2 24 | $572.1M | $2.1B | ||
| Q1 24 | $128.0M | $2.2B |
| Q4 25 | $5.6B | $15.0B | ||
| Q3 25 | $5.6B | $14.8B | ||
| Q2 25 | $5.5B | $14.8B | ||
| Q1 25 | $5.5B | $14.6B | ||
| Q4 24 | $5.2B | $14.6B | ||
| Q3 24 | $4.5B | $14.8B | ||
| Q2 24 | $3.9B | $14.6B | ||
| Q1 24 | $3.9B | $14.9B |
| Q4 25 | 0.37× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.58× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-3.4M | $338.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | -0.06× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-3.4M | $338.2M | ||
| Q3 25 | $204.8M | $202.9M | ||
| Q2 25 | $52.6M | $162.6M | ||
| Q1 25 | $150.2M | $197.5M | ||
| Q4 24 | $64.6M | $270.6M | ||
| Q3 24 | $209.2M | $207.3M | ||
| Q2 24 | $34.8M | $173.3M | ||
| Q1 24 | $58.8M | $210.9M |
| Q4 25 | -0.06× | 1.72× | ||
| Q3 25 | 3.91× | 0.98× | ||
| Q2 25 | 1.03× | 0.91× | ||
| Q1 25 | 5.28× | 1.17× | ||
| Q4 24 | 33.78× | 1.62× | ||
| Q3 24 | 13.39× | 1.26× | ||
| Q2 24 | — | 147.98× | ||
| Q1 24 | 1.20× | 1.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PACS
Segment breakdown not available.
PRI
| Revenues From Sources Other Than Contracts With Customers | $445.9M | 52% |
| Investment And Savings Products Segment Revenues | $340.3M | 40% |
| Other | $56.5M | 7% |
| Segment Revenues From Contracts With Customers | $11.0M | 1% |
