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Side-by-side financial comparison of Primerica, Inc. (PRI) and SERVICE CORP INTERNATIONAL (SCI). Click either name above to swap in a different company.
SERVICE CORP INTERNATIONAL is the larger business by last-quarter revenue ($1.1B vs $853.7M, roughly 1.3× Primerica, Inc.). Primerica, Inc. runs the higher net margin — 23.1% vs 14.3%, a 8.7% gap on every dollar of revenue. On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs 1.7%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs 3.1%).
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.
International Distribution Services Limited is a British company providing postal and courier services. IDS was created in 2013 by the UK government as a new holding company of Royal Mail, and a majority of its shares were then sold on the London Stock Exchange, with the government initially retaining a 30 per cent at the time. As of April 2025, IDS is owned and operated by Czech-based EP Group, owned by Daniel Křetínský.
PRI vs SCI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $853.7M | $1.1B |
| Net Profit | $197.0M | $159.4M |
| Gross Margin | — | 28.0% |
| Operating Margin | 28.9% | 24.8% |
| Net Margin | 23.1% | 14.3% |
| Revenue YoY | 11.0% | 1.7% |
| Net Profit YoY | 17.9% | 5.3% |
| EPS (diluted) | $6.11 | $1.13 |
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 | $1.1B | ||
| Q3 25 | $839.9M | $1.1B | ||
| Q2 25 | $793.3M | $1.1B | ||
| Q1 25 | $804.8M | $1.1B | ||
| Q4 24 | $768.8M | $1.1B | ||
| Q3 24 | $774.1M | $1.0B | ||
| Q2 24 | $803.4M | $1.0B | ||
| Q1 24 | $742.8M | $1.0B |
| Q4 25 | $197.0M | $159.4M | ||
| Q3 25 | $206.8M | $117.5M | ||
| Q2 25 | $178.3M | $122.9M | ||
| Q1 25 | $169.1M | $142.9M | ||
| Q4 24 | $167.1M | $151.4M | ||
| Q3 24 | $164.4M | $117.8M | ||
| Q2 24 | $1.2M | $118.2M | ||
| Q1 24 | $137.9M | $131.3M |
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | 25.5% | ||
| Q1 25 | — | 27.1% | ||
| Q4 24 | — | 28.0% | ||
| Q3 24 | — | 24.9% | ||
| Q2 24 | 98.0% | 24.9% | ||
| Q1 24 | 98.2% | 26.2% |
| Q4 25 | 28.9% | 24.8% | ||
| Q3 25 | 32.3% | 21.4% | ||
| Q2 25 | 29.6% | 21.1% | ||
| Q1 25 | 27.5% | 23.4% | ||
| Q4 24 | 64.7% | 24.0% | ||
| Q3 24 | 32.9% | 20.9% | ||
| Q2 24 | 1.0% | 21.4% | ||
| Q1 24 | 24.1% | 22.2% |
| Q4 25 | 23.1% | 14.3% | ||
| Q3 25 | 24.6% | 11.1% | ||
| Q2 25 | 22.5% | 11.5% | ||
| Q1 25 | 21.0% | 13.3% | ||
| Q4 24 | 21.7% | 13.8% | ||
| Q3 24 | 21.2% | 11.6% | ||
| Q2 24 | 0.1% | 11.4% | ||
| Q1 24 | 18.6% | 12.6% |
| Q4 25 | $6.11 | $1.13 | ||
| Q3 25 | $6.35 | $0.83 | ||
| Q2 25 | $5.40 | $0.86 | ||
| Q1 25 | $5.05 | $0.98 | ||
| Q4 24 | $4.92 | $1.02 | ||
| Q3 24 | $4.83 | $0.81 | ||
| Q2 24 | $0.03 | $0.81 | ||
| Q1 24 | $3.93 | $0.89 |
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 | $243.6M |
| Total DebtLower is stronger | — | $5.1B |
| Stockholders' EquityBook value | $2.4B | $1.6B |
| Total Assets | $15.0B | $18.7B |
| Debt / EquityLower = less leverage | — | 3.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $756.2M | $243.6M | ||
| Q3 25 | $644.9M | $241.3M | ||
| Q2 25 | $621.2M | $255.4M | ||
| Q1 25 | $625.1M | $227.2M | ||
| Q4 24 | $687.8M | $218.8M | ||
| Q3 24 | $550.1M | $185.4M | ||
| Q2 24 | $627.3M | $184.4M | ||
| Q1 24 | $593.4M | $205.6M |
| Q4 25 | — | $5.1B | ||
| Q3 25 | — | $5.0B | ||
| Q2 25 | — | $5.0B | ||
| Q1 25 | — | $4.7B | ||
| Q4 24 | — | $4.8B | ||
| Q3 24 | — | $4.7B | ||
| Q2 24 | — | $4.7B | ||
| Q1 24 | — | $4.6B |
| Q4 25 | $2.4B | $1.6B | ||
| Q3 25 | $2.3B | $1.6B | ||
| Q2 25 | $2.3B | $1.6B | ||
| Q1 25 | $2.3B | $1.7B | ||
| Q4 24 | $2.3B | $1.7B | ||
| Q3 24 | $1.9B | $1.6B | ||
| Q2 24 | $2.1B | $1.5B | ||
| Q1 24 | $2.2B | $1.6B |
| Q4 25 | $15.0B | $18.7B | ||
| Q3 25 | $14.8B | $18.4B | ||
| Q2 25 | $14.8B | $18.0B | ||
| Q1 25 | $14.6B | $17.3B | ||
| Q4 24 | $14.6B | $17.4B | ||
| Q3 24 | $14.8B | $17.4B | ||
| Q2 24 | $14.6B | $16.8B | ||
| Q1 24 | $14.9B | $16.7B |
| Q4 25 | — | 3.10× | ||
| Q3 25 | — | 3.17× | ||
| Q2 25 | — | 3.19× | ||
| Q1 25 | — | 2.87× | ||
| Q4 24 | — | 2.83× | ||
| Q3 24 | — | 2.92× | ||
| Q2 24 | — | 3.05× | ||
| Q1 24 | — | 2.90× |
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 | $212.9M |
| Free Cash FlowOCF − Capex | — | $87.2M |
| FCF MarginFCF / Revenue | — | 7.8% |
| Capex IntensityCapex / Revenue | — | 11.3% |
| Cash ConversionOCF / Net Profit | 1.72× | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | — | $554.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $338.2M | $212.9M | ||
| Q3 25 | $202.9M | $252.3M | ||
| Q2 25 | $162.6M | $166.4M | ||
| Q1 25 | $197.5M | $311.1M | ||
| Q4 24 | $270.6M | $264.1M | ||
| Q3 24 | $207.3M | $263.8M | ||
| Q2 24 | $173.3M | $196.9M | ||
| Q1 24 | $210.9M | $220.1M |
| Q4 25 | — | $87.2M | ||
| Q3 25 | — | $150.7M | ||
| Q2 25 | — | $83.4M | ||
| Q1 25 | — | $233.0M | ||
| Q4 24 | — | $151.8M | ||
| Q3 24 | — | $162.8M | ||
| Q2 24 | — | $100.8M | ||
| Q1 24 | — | $140.3M |
| Q4 25 | — | 7.8% | ||
| Q3 25 | — | 14.2% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 21.7% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 16.1% | ||
| Q2 24 | — | 9.7% | ||
| Q1 24 | — | 13.4% |
| Q4 25 | — | 11.3% | ||
| Q3 25 | — | 9.6% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 7.3% | ||
| Q4 24 | — | 10.3% | ||
| Q3 24 | — | 10.0% | ||
| Q2 24 | — | 9.3% | ||
| Q1 24 | — | 7.6% |
| Q4 25 | 1.72× | 1.34× | ||
| Q3 25 | 0.98× | 2.15× | ||
| Q2 25 | 0.91× | 1.35× | ||
| Q1 25 | 1.17× | 2.18× | ||
| Q4 24 | 1.62× | 1.75× | ||
| Q3 24 | 1.26× | 2.24× | ||
| Q2 24 | 147.98× | 1.67× | ||
| Q1 24 | 1.53× | 1.68× |
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% |
SCI
| Cemetery | $510.9M | 46% |
| Funeral Matured Preneed Revenue | $196.5M | 18% |
| Cemetery Recognized Preneed Merchandise And Service Revenue | $107.4M | 10% |
| Cemetery Atneed Revenue | $104.9M | 9% |
| CA | $56.4M | 5% |
| Funeral Other Revenue | $54.6M | 5% |
| Cemetery Other Revenue | $40.2M | 4% |
| Nonfuneral Home Revenue | $28.1M | 3% |
| Non Funeral Home Preneed Sales Revenue | $22.0M | 2% |
