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Side-by-side financial comparison of Primerica, Inc. (PRI) and RH (RH). Click either name above to swap in a different company.
RH is the larger business by last-quarter revenue ($883.8M vs $853.7M, roughly 1.0× Primerica, Inc.). Primerica, Inc. runs the higher net margin — 23.1% vs 4.1%, a 19.0% gap on every dollar of revenue. On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs 8.9%). Over the past eight quarters, RH's revenue compounded faster (9.4% 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.
RH is an upscale American home-furnishings company headquartered in Corte Madera, California. The company sells its merchandise through its retail stores, catalog, and online. As of August 2018, the company operated a total of 70 galleries, 18 full-line design galleries, and 3 baby-and-child galleries. The company also has 36 outlet stores in the United States and Canada.
PRI vs RH — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $853.7M | $883.8M |
| Net Profit | $197.0M | $36.3M |
| Gross Margin | — | 44.1% |
| Operating Margin | 28.9% | 12.0% |
| Net Margin | 23.1% | 4.1% |
| Revenue YoY | 11.0% | 8.9% |
| Net Profit YoY | 17.9% | 9.3% |
| EPS (diluted) | $6.11 | $1.83 |
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 | $853.7M | $883.8M | ||
| Q3 25 | $839.9M | $899.2M | ||
| Q2 25 | $793.3M | $814.0M | ||
| Q1 25 | $804.8M | $812.4M | ||
| Q4 24 | $768.8M | $811.7M | ||
| Q3 24 | $774.1M | $829.7M | ||
| Q2 24 | $803.4M | $727.0M | ||
| Q1 24 | $742.8M | $738.3M |
| Q4 25 | $197.0M | $36.3M | ||
| Q3 25 | $206.8M | $51.7M | ||
| Q2 25 | $178.3M | $8.0M | ||
| Q1 25 | $169.1M | $13.9M | ||
| Q4 24 | $167.1M | $33.2M | ||
| Q3 24 | $164.4M | $29.0M | ||
| Q2 24 | $1.2M | $-3.6M | ||
| Q1 24 | $137.9M | $11.4M |
| Q4 25 | — | 44.1% | ||
| Q3 25 | — | 45.5% | ||
| Q2 25 | — | 43.7% | ||
| Q1 25 | — | 44.7% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.2% | ||
| Q2 24 | 98.0% | 43.5% | ||
| Q1 24 | 98.2% | 43.5% |
| Q4 25 | 28.9% | 12.0% | ||
| Q3 25 | 32.3% | 14.3% | ||
| Q2 25 | 29.6% | 6.9% | ||
| Q1 25 | 27.5% | 8.7% | ||
| Q4 24 | 64.7% | 12.5% | ||
| Q3 24 | 32.9% | 11.6% | ||
| Q2 24 | 1.0% | 7.5% | ||
| Q1 24 | 24.1% | 8.7% |
| Q4 25 | 23.1% | 4.1% | ||
| Q3 25 | 24.6% | 5.8% | ||
| Q2 25 | 22.5% | 1.0% | ||
| Q1 25 | 21.0% | 1.7% | ||
| Q4 24 | 21.7% | 4.1% | ||
| Q3 24 | 21.2% | 3.5% | ||
| Q2 24 | 0.1% | -0.5% | ||
| Q1 24 | 18.6% | 1.5% |
| Q4 25 | $6.11 | $1.83 | ||
| Q3 25 | $6.35 | $2.62 | ||
| Q2 25 | $5.40 | $0.40 | ||
| Q1 25 | $5.05 | $0.71 | ||
| Q4 24 | $4.92 | $1.66 | ||
| Q3 24 | $4.83 | $1.45 | ||
| Q2 24 | $0.03 | $-0.20 | ||
| Q1 24 | $3.93 | $0.91 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $756.2M | $43.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $2.4B | $3.3M |
| Total Assets | $15.0B | $4.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $756.2M | $43.1M | ||
| Q3 25 | $644.9M | $34.6M | ||
| Q2 25 | $621.2M | $46.1M | ||
| Q1 25 | $625.1M | $30.4M | ||
| Q4 24 | $687.8M | $87.0M | ||
| Q3 24 | $550.1M | $78.3M | ||
| Q2 24 | $627.3M | $101.8M | ||
| Q1 24 | $593.4M | $123.7M |
| Q4 25 | $2.4B | $3.3M | ||
| Q3 25 | $2.3B | $-40.9M | ||
| Q2 25 | $2.3B | $-110.8M | ||
| Q1 25 | $2.3B | $-163.6M | ||
| Q4 24 | $2.3B | $-183.0M | ||
| Q3 24 | $1.9B | $-234.7M | ||
| Q2 24 | $2.1B | $-289.9M | ||
| Q1 24 | $2.2B | $-297.4M |
| Q4 25 | $15.0B | $4.8B | ||
| Q3 25 | $14.8B | $4.7B | ||
| Q2 25 | $14.8B | $4.7B | ||
| Q1 25 | $14.6B | $4.6B | ||
| Q4 24 | $14.6B | $4.5B | ||
| Q3 24 | $14.8B | $4.4B | ||
| Q2 24 | $14.6B | $4.2B | ||
| Q1 24 | $14.9B | $4.1B |
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 | $338.2M | $131.9M |
| Free Cash FlowOCF − Capex | — | $83.0M |
| FCF MarginFCF / Revenue | — | 9.4% |
| Capex IntensityCapex / Revenue | — | 5.5% |
| Cash ConversionOCF / Net Profit | 1.72× | 3.64× |
| TTM Free Cash FlowTrailing 4 quarters | — | $128.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $338.2M | $131.9M | ||
| Q3 25 | $202.9M | $137.7M | ||
| Q2 25 | $162.6M | $86.6M | ||
| Q1 25 | $197.5M | $-18.8M | ||
| Q4 24 | $270.6M | $-31.4M | ||
| Q3 24 | $207.3M | $11.2M | ||
| Q2 24 | $173.3M | $56.1M | ||
| Q1 24 | $210.9M | $-114.0M |
| Q4 25 | — | $83.0M | ||
| Q3 25 | — | $80.7M | ||
| Q2 25 | — | $34.1M | ||
| Q1 25 | — | $-69.7M | ||
| Q4 24 | — | $-96.0M | ||
| Q3 24 | — | $-37.9M | ||
| Q2 24 | — | $-10.1M | ||
| Q1 24 | — | $-251.5M |
| Q4 25 | — | 9.4% | ||
| Q3 25 | — | 9.0% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | -8.6% | ||
| Q4 24 | — | -11.8% | ||
| Q3 24 | — | -4.6% | ||
| Q2 24 | — | -1.4% | ||
| Q1 24 | — | -34.1% |
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | 6.3% | ||
| Q2 25 | — | 6.5% | ||
| Q1 25 | — | 6.3% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | — | 5.9% | ||
| Q2 24 | — | 9.1% | ||
| Q1 24 | — | 18.6% |
| Q4 25 | 1.72× | 3.64× | ||
| Q3 25 | 0.98× | 2.66× | ||
| Q2 25 | 0.91× | 10.78× | ||
| Q1 25 | 1.17× | -1.35× | ||
| Q4 24 | 1.62× | -0.95× | ||
| Q3 24 | 1.26× | 0.39× | ||
| Q2 24 | 147.98× | — | ||
| Q1 24 | 1.53× | -10.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
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% |
RH
| RH Segment | $835.8M | 95% |
| Waterworks Segment | $48.0M | 5% |
| Gift Card And Merchandise Credit | $4.5M | 1% |
