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Side-by-side financial comparison of Primerica, Inc. (PRI) and UPBOUND GROUP, INC. (UPBD). Click either name above to swap in a different company.
UPBOUND GROUP, INC. is the larger business by last-quarter revenue ($1.2B vs $853.7M, roughly 1.4× Primerica, Inc.). Primerica, Inc. runs the higher net margin — 23.1% vs 1.7%, a 21.4% gap on every dollar of revenue. On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs 10.9%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs 4.5%).
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.
Upbound Group, Inc. is a leading US provider of flexible lease-to-own solutions for consumer goods. It offers furniture, consumer electronics, home appliances, and accessories, catering to customers seeking accessible payment alternatives to traditional retail financing.
PRI vs UPBD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $853.7M | $1.2B |
| Net Profit | $197.0M | $19.7M |
| Gross Margin | — | 49.0% |
| Operating Margin | 28.9% | 4.8% |
| Net Margin | 23.1% | 1.7% |
| Revenue YoY | 11.0% | 10.9% |
| Net Profit YoY | 17.9% | -36.3% |
| EPS (diluted) | $6.11 | $0.35 |
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 | $1.2B | ||
| Q3 25 | $839.9M | $1.2B | ||
| Q2 25 | $793.3M | $1.2B | ||
| Q1 25 | $804.8M | $1.2B | ||
| Q4 24 | $768.8M | $1.1B | ||
| Q3 24 | $774.1M | $1.1B | ||
| Q2 24 | $803.4M | $1.1B | ||
| Q1 24 | $742.8M | $1.1B |
| Q4 25 | $197.0M | $19.7M | ||
| Q3 25 | $206.8M | $13.2M | ||
| Q2 25 | $178.3M | $15.5M | ||
| Q1 25 | $169.1M | $24.8M | ||
| Q4 24 | $167.1M | $31.0M | ||
| Q3 24 | $164.4M | $30.9M | ||
| Q2 24 | $1.2M | $33.9M | ||
| Q1 24 | $137.9M | $27.7M |
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 48.3% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 47.1% | ||
| Q3 24 | — | 47.8% | ||
| Q2 24 | 98.0% | 49.4% | ||
| Q1 24 | 98.2% | 48.3% |
| Q4 25 | 28.9% | 4.8% | ||
| Q3 25 | 32.3% | 4.5% | ||
| Q2 25 | 29.6% | 4.4% | ||
| Q1 25 | 27.5% | 5.3% | ||
| Q4 24 | 64.7% | 7.3% | ||
| Q3 24 | 32.9% | 6.6% | ||
| Q2 24 | 1.0% | 7.5% | ||
| Q1 24 | 24.1% | 5.6% |
| Q4 25 | 23.1% | 1.7% | ||
| Q3 25 | 24.6% | 1.1% | ||
| Q2 25 | 22.5% | 1.3% | ||
| Q1 25 | 21.0% | 2.1% | ||
| Q4 24 | 21.7% | 2.9% | ||
| Q3 24 | 21.2% | 2.9% | ||
| Q2 24 | 0.1% | 3.2% | ||
| Q1 24 | 18.6% | 2.5% |
| Q4 25 | $6.11 | $0.35 | ||
| Q3 25 | $6.35 | $0.22 | ||
| Q2 25 | $5.40 | $0.26 | ||
| Q1 25 | $5.05 | $0.42 | ||
| Q4 24 | $4.92 | $0.55 | ||
| Q3 24 | $4.83 | $0.55 | ||
| Q2 24 | $0.03 | $0.61 | ||
| Q1 24 | $3.93 | $0.50 |
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 | $120.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $2.4B | $695.7M |
| Total Assets | $15.0B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $756.2M | $120.5M | ||
| Q3 25 | $644.9M | $107.0M | ||
| Q2 25 | $621.2M | $106.8M | ||
| Q1 25 | $625.1M | $107.3M | ||
| Q4 24 | $687.8M | $60.9M | ||
| Q3 24 | $550.1M | $85.1M | ||
| Q2 24 | $627.3M | $82.5M | ||
| Q1 24 | $593.4M | $84.8M |
| Q4 25 | $2.4B | $695.7M | ||
| Q3 25 | $2.3B | $687.3M | ||
| Q2 25 | $2.3B | $685.5M | ||
| Q1 25 | $2.3B | $679.2M | ||
| Q4 24 | $2.3B | $629.0M | ||
| Q3 24 | $1.9B | $611.8M | ||
| Q2 24 | $2.1B | $596.3M | ||
| Q1 24 | $2.2B | $578.3M |
| Q4 25 | $15.0B | $3.3B | ||
| Q3 25 | $14.8B | $3.2B | ||
| Q2 25 | $14.8B | $3.1B | ||
| Q1 25 | $14.6B | $3.0B | ||
| Q4 24 | $14.6B | $2.6B | ||
| Q3 24 | $14.8B | $2.6B | ||
| Q2 24 | $14.6B | $2.6B | ||
| Q1 24 | $14.9B | $2.6B |
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 | $41.6M |
| Free Cash FlowOCF − Capex | — | $24.0M |
| FCF MarginFCF / Revenue | — | 2.0% |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | 1.72× | 2.11× |
| TTM Free Cash FlowTrailing 4 quarters | — | $238.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $338.2M | $41.6M | ||
| Q3 25 | $202.9M | $118.4M | ||
| Q2 25 | $162.6M | $7.8M | ||
| Q1 25 | $197.5M | $137.7M | ||
| Q4 24 | $270.6M | $-61.9M | ||
| Q3 24 | $207.3M | $106.2M | ||
| Q2 24 | $173.3M | $15.0M | ||
| Q1 24 | $210.9M | $45.4M |
| Q4 25 | — | $24.0M | ||
| Q3 25 | — | $97.9M | ||
| Q2 25 | — | $-10.4M | ||
| Q1 25 | — | $127.2M | ||
| Q4 24 | — | $-74.0M | ||
| Q3 24 | — | $88.3M | ||
| Q2 24 | — | $613.0K | ||
| Q1 24 | — | $33.6M |
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 8.4% | ||
| Q2 25 | — | -0.9% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | -6.9% | ||
| Q3 24 | — | 8.3% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 3.1% |
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 1.6% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.3% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | 1.72× | 2.11× | ||
| Q3 25 | 0.98× | 8.96× | ||
| Q2 25 | 0.91× | 0.50× | ||
| Q1 25 | 1.17× | 5.56× | ||
| Q4 24 | 1.62× | -2.00× | ||
| Q3 24 | 1.26× | 3.44× | ||
| Q2 24 | 147.98× | 0.44× | ||
| Q1 24 | 1.53× | 1.64× |
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% |
UPBD
Segment breakdown not available.
