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Side-by-side financial comparison of Primerica, Inc. (PRI) and UNIVERSAL CORP (UVV). Click either name above to swap in a different company.
Primerica, Inc. is the larger business by last-quarter revenue ($853.7M vs $853.2M, roughly 1.0× UNIVERSAL CORP). Primerica, Inc. runs the higher net margin — 23.1% vs 3.9%, a 19.2% gap on every dollar of revenue. On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs -8.1%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs 6.2%).
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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
PRI vs UVV — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $853.7M | $853.2M |
| Net Profit | $197.0M | $33.2M |
| Gross Margin | — | 17.8% |
| Operating Margin | 28.9% | 9.6% |
| Net Margin | 23.1% | 3.9% |
| Revenue YoY | 11.0% | -8.1% |
| Net Profit YoY | 17.9% | -44.2% |
| EPS (diluted) | $6.11 | $1.32 |
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 | $853.2M | ||
| Q3 25 | $839.9M | $749.4M | ||
| Q2 25 | $793.3M | $592.6M | ||
| Q1 25 | $804.8M | $690.2M | ||
| Q4 24 | $768.8M | $928.0M | ||
| Q3 24 | $774.1M | $708.4M | ||
| Q2 24 | $803.4M | $596.4M | ||
| Q1 24 | $742.8M | $756.3M |
| Q4 25 | $197.0M | $33.2M | ||
| Q3 25 | $206.8M | $34.2M | ||
| Q2 25 | $178.3M | $8.5M | ||
| Q1 25 | $169.1M | $9.3M | ||
| Q4 24 | $167.1M | $59.6M | ||
| Q3 24 | $164.4M | $25.9M | ||
| Q2 24 | $1.2M | $130.0K | ||
| Q1 24 | $137.9M | $40.3M |
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 18.0% | ||
| Q2 25 | — | 19.1% | ||
| Q1 25 | — | 15.1% | ||
| Q4 24 | — | 19.9% | ||
| Q3 24 | — | 19.9% | ||
| Q2 24 | 98.0% | 16.0% | ||
| Q1 24 | 98.2% | 18.0% |
| Q4 25 | 28.9% | 9.6% | ||
| Q3 25 | 32.3% | 9.0% | ||
| Q2 25 | 29.6% | 5.7% | ||
| Q1 25 | 27.5% | 6.2% | ||
| Q4 24 | 64.7% | 11.2% | ||
| Q3 24 | 32.9% | 9.7% | ||
| Q2 24 | 1.0% | 2.9% | ||
| Q1 24 | 24.1% | 9.0% |
| Q4 25 | 23.1% | 3.9% | ||
| Q3 25 | 24.6% | 4.6% | ||
| Q2 25 | 22.5% | 1.4% | ||
| Q1 25 | 21.0% | 1.4% | ||
| Q4 24 | 21.7% | 6.4% | ||
| Q3 24 | 21.2% | 3.7% | ||
| Q2 24 | 0.1% | 0.0% | ||
| Q1 24 | 18.6% | 5.3% |
| Q4 25 | $6.11 | $1.32 | ||
| Q3 25 | $6.35 | $1.36 | ||
| Q2 25 | $5.40 | $0.34 | ||
| Q1 25 | $5.05 | $0.37 | ||
| Q4 24 | $4.92 | $2.37 | ||
| Q3 24 | $4.83 | $1.03 | ||
| Q2 24 | $0.03 | $0.01 | ||
| Q1 24 | $3.93 | $1.62 |
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 | $85.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $2.4B | $1.5B |
| Total Assets | $15.0B | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $756.2M | $85.2M | ||
| Q3 25 | $644.9M | $88.7M | ||
| Q2 25 | $621.2M | $178.4M | ||
| Q1 25 | $625.1M | $260.1M | ||
| Q4 24 | $687.8M | $215.1M | ||
| Q3 24 | $550.1M | $80.1M | ||
| Q2 24 | $627.3M | $101.7M | ||
| Q1 24 | $593.4M | $55.6M |
| Q4 25 | $2.4B | $1.5B | ||
| Q3 25 | $2.3B | $1.5B | ||
| Q2 25 | $2.3B | $1.5B | ||
| Q1 25 | $2.3B | $1.5B | ||
| Q4 24 | $2.3B | $1.5B | ||
| Q3 24 | $1.9B | $1.4B | ||
| Q2 24 | $2.1B | $1.4B | ||
| Q1 24 | $2.2B | $1.4B |
| Q4 25 | $15.0B | $3.0B | ||
| Q3 25 | $14.8B | $3.1B | ||
| Q2 25 | $14.8B | $3.2B | ||
| Q1 25 | $14.6B | $3.0B | ||
| Q4 24 | $14.6B | $3.0B | ||
| Q3 24 | $14.8B | $3.0B | ||
| Q2 24 | $14.6B | $3.0B | ||
| Q1 24 | $14.9B | $2.9B |
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 | $114.3M |
| Free Cash FlowOCF − Capex | — | $95.1M |
| FCF MarginFCF / Revenue | — | 11.1% |
| Capex IntensityCapex / Revenue | — | 2.3% |
| Cash ConversionOCF / Net Profit | 1.72× | 3.44× |
| TTM Free Cash FlowTrailing 4 quarters | — | $52.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $338.2M | $114.3M | ||
| Q3 25 | $202.9M | $32.7M | ||
| Q2 25 | $162.6M | $-205.1M | ||
| Q1 25 | $197.5M | $158.7M | ||
| Q4 24 | $270.6M | $215.6M | ||
| Q3 24 | $207.3M | $15.0M | ||
| Q2 24 | $173.3M | $-62.4M | ||
| Q1 24 | $210.9M | $-27.9M |
| Q4 25 | — | $95.1M | ||
| Q3 25 | — | $23.7M | ||
| Q2 25 | — | $-217.2M | ||
| Q1 25 | — | $151.0M | ||
| Q4 24 | — | $199.6M | ||
| Q3 24 | — | $-1.0M | ||
| Q2 24 | — | $-85.2M | ||
| Q1 24 | — | $-46.2M |
| Q4 25 | — | 11.1% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -36.6% | ||
| Q1 25 | — | 21.9% | ||
| Q4 24 | — | 21.5% | ||
| Q3 24 | — | -0.1% | ||
| Q2 24 | — | -14.3% | ||
| Q1 24 | — | -6.1% |
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 1.1% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 3.8% | ||
| Q1 24 | — | 2.4% |
| Q4 25 | 1.72× | 3.44× | ||
| Q3 25 | 0.98× | 0.96× | ||
| Q2 25 | 0.91× | -24.14× | ||
| Q1 25 | 1.17× | 17.00× | ||
| Q4 24 | 1.62× | 3.62× | ||
| Q3 24 | 1.26× | 0.58× | ||
| Q2 24 | 147.98× | -480.34× | ||
| Q1 24 | 1.53× | -0.69× |
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% |
UVV
| Tobacco Operations | $779.9M | 91% |
| Service Other | $36.7M | 4% |
| Other | $17.8M | 2% |
