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Side-by-side financial comparison of Primerica, Inc. (PRI) and Western Union CO (WU). Click either name above to swap in a different company.
Western Union CO is the larger business by last-quarter revenue ($982.7M vs $853.7M, roughly 1.2× Primerica, Inc.). Primerica, Inc. runs the higher net margin — 23.1% vs 6.6%, a 16.5% gap on every dollar of revenue. On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs 0.0%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs -1.9%).
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.
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
PRI vs WU — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $853.7M | $982.7M |
| Net Profit | $197.0M | $64.7M |
| Gross Margin | — | — |
| Operating Margin | 28.9% | 12.5% |
| Net Margin | 23.1% | 6.6% |
| Revenue YoY | 11.0% | 0.0% |
| Net Profit YoY | 17.9% | -47.6% |
| EPS (diluted) | $6.11 | $0.41 |
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.
| Q1 26 | — | $982.7M | ||
| Q4 25 | $853.7M | $972.0M | ||
| Q3 25 | $839.9M | $985.3M | ||
| Q2 25 | $793.3M | $983.6M | ||
| Q1 25 | $804.8M | $938.7M | ||
| Q4 24 | $768.8M | $1.0B | ||
| Q3 24 | $774.1M | $993.4M | ||
| Q2 24 | $803.4M | $1.0B |
| Q1 26 | — | $64.7M | ||
| Q4 25 | $197.0M | $114.4M | ||
| Q3 25 | $206.8M | $139.6M | ||
| Q2 25 | $178.3M | $122.1M | ||
| Q1 25 | $169.1M | $123.5M | ||
| Q4 24 | $167.1M | $385.7M | ||
| Q3 24 | $164.4M | $264.8M | ||
| Q2 24 | $1.2M | $141.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 33.6% | ||
| Q3 25 | — | 34.7% | ||
| Q2 25 | — | 34.6% | ||
| Q1 25 | — | 34.0% | ||
| Q4 24 | — | 35.0% | ||
| Q3 24 | — | 34.2% | ||
| Q2 24 | 98.0% | 35.0% |
| Q1 26 | — | 12.5% | ||
| Q4 25 | 28.9% | 19.1% | ||
| Q3 25 | 32.3% | 20.5% | ||
| Q2 25 | 29.6% | 19.6% | ||
| Q1 25 | 27.5% | 18.9% | ||
| Q4 24 | 64.7% | 17.5% | ||
| Q3 24 | 32.9% | 16.6% | ||
| Q2 24 | 1.0% | 18.7% |
| Q1 26 | — | 6.6% | ||
| Q4 25 | 23.1% | 11.8% | ||
| Q3 25 | 24.6% | 14.2% | ||
| Q2 25 | 22.5% | 12.4% | ||
| Q1 25 | 21.0% | 13.2% | ||
| Q4 24 | 21.7% | 37.9% | ||
| Q3 24 | 21.2% | 26.7% | ||
| Q2 24 | 0.1% | 13.8% |
| Q1 26 | — | $0.41 | ||
| Q4 25 | $6.11 | $0.36 | ||
| Q3 25 | $6.35 | $0.43 | ||
| Q2 25 | $5.40 | $0.37 | ||
| Q1 25 | $5.05 | $0.36 | ||
| Q4 24 | $4.92 | $1.14 | ||
| Q3 24 | $4.83 | $0.78 | ||
| Q2 24 | $0.03 | $0.41 |
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 | $909.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $2.4B | $910.5M |
| Total Assets | $15.0B | $8.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $909.2M | ||
| Q4 25 | $756.2M | $1.2B | ||
| Q3 25 | $644.9M | $947.8M | ||
| Q2 25 | $621.2M | $1.0B | ||
| Q1 25 | $625.1M | $1.3B | ||
| Q4 24 | $687.8M | $1.5B | ||
| Q3 24 | $550.1M | $1.1B | ||
| Q2 24 | $627.3M | $1.0B |
| Q1 26 | — | — | ||
| Q4 25 | — | $2.9B | ||
| Q3 25 | — | $2.5B | ||
| Q2 25 | — | $2.5B | ||
| Q1 25 | — | $2.5B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | — | $2.1B | ||
| Q2 24 | — | $2.1B |
| Q1 26 | — | $910.5M | ||
| Q4 25 | $2.4B | $957.8M | ||
| Q3 25 | $2.3B | $925.4M | ||
| Q2 25 | $2.3B | $883.6M | ||
| Q1 25 | $2.3B | $939.4M | ||
| Q4 24 | $2.3B | $968.9M | ||
| Q3 24 | $1.9B | $652.7M | ||
| Q2 24 | $2.1B | $440.8M |
| Q1 26 | — | $8.1B | ||
| Q4 25 | $15.0B | $8.3B | ||
| Q3 25 | $14.8B | $7.8B | ||
| Q2 25 | $14.8B | $8.0B | ||
| Q1 25 | $14.6B | $8.3B | ||
| Q4 24 | $14.6B | $8.4B | ||
| Q3 24 | $14.8B | $7.7B | ||
| Q2 24 | $14.6B | $8.0B |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.01× | ||
| Q3 25 | — | 2.70× | ||
| Q2 25 | — | 2.83× | ||
| Q1 25 | — | 2.61× | ||
| Q4 24 | — | 3.04× | ||
| Q3 24 | — | 3.29× | ||
| Q2 24 | — | 4.88× |
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 | $109.0M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 4.8% |
| Cash ConversionOCF / Net Profit | 1.72× | 1.68× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $109.0M | ||
| Q4 25 | $338.2M | $135.4M | ||
| Q3 25 | $202.9M | $260.4M | ||
| Q2 25 | $162.6M | $-300.0K | ||
| Q1 25 | $197.5M | $148.2M | ||
| Q4 24 | $270.6M | $134.0M | ||
| Q3 24 | $207.3M | $212.1M | ||
| Q2 24 | $173.3M | $-33.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $115.5M | ||
| Q3 25 | — | $252.7M | ||
| Q2 25 | — | $-7.8M | ||
| Q1 25 | — | $144.8M | ||
| Q4 24 | — | $119.7M | ||
| Q3 24 | — | $205.1M | ||
| Q2 24 | — | $-38.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | 11.9% | ||
| Q3 25 | — | 25.6% | ||
| Q2 25 | — | -0.8% | ||
| Q1 25 | — | 15.4% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 20.6% | ||
| Q2 24 | — | -3.8% |
| Q1 26 | — | 4.8% | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 0.5% |
| Q1 26 | — | 1.68× | ||
| Q4 25 | 1.72× | 1.18× | ||
| Q3 25 | 0.98× | 1.87× | ||
| Q2 25 | 0.91× | -0.00× | ||
| Q1 25 | 1.17× | 1.20× | ||
| Q4 24 | 1.62× | 0.35× | ||
| Q3 24 | 1.26× | 0.80× | ||
| Q2 24 | 147.98× | -0.24× |
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% |
WU
Segment breakdown not available.
