Independent research on the U.S. markets, Baptista Research

Baptista Research

Independent research on the U.S. markets

Baptista Research is an independent financial research house focused on the U.S. markets. We provide equity research as well as credit research reports on the top-listed U.S. companies with most of our focus on technology, consumer goods and services, automobiles, industrials, oil and gas, pharma, and healthcare. Our research has served more than 3000 institutional investors including mutual funds, hedge funds, banks, family offices, and various buy-side firms. We operate a research subscription service where institutions, as well as retail investors, can have priority access to all our research. We also have a wide distribution of our research reports across some of the top global financial platforms. Apart from equity research and credit research, we also provide advisory services with respect to mergers & acquisitions (M&A), private equity/ venture capital fundraising, valuation reports, and investment management services for corporates.
Baptista Research is owned and managed by Ishan Majumdar, an ex-Venture Capitalist/ Investment Banker, a Chartered Accountant, and a Masters’ degree holder in Management from HEC Paris. Ishan has nearly a decade of experience in Mergers and Acquisitions, Leveraged Buyouts (LBOs), Venture Capital Investing, Corporate Strategy, and Valuation in front-office roles at the likes of BNP Paribas CIB, Credit Agricole CIB, Groupe Danone, and TIW Private Equity. He has worked on and closed multiple acquisition deals, leveraged buyouts, and start-up investment transactions.

Equity Bottom-Up

<ul><li>Primerica's first quarter of 2025 earnings presentation highlights a business that remains financially stable and profitable while navigating economic headwinds and uncertainties.</li><li>The company reported an adjusted net operating income of $168 million, a 14% increase year-over-year, with diluted adjusted operating EPS rising by 20% to $5.02.</li><li>These gains are attributed to the strength of Primerica’s Investment and Savings Products (ISP) and steady contributions from its Term Life business, despite challenges in recruiting and policy sales caused by economic uncertainties.</li></ul>

Primerica's first quarter of 2025 earnings presentation highlights a business that remains financially stable and profitable while navigating economic headwinds and uncertainties.The company reported an adjusted net operating income of $168 million, a 14% increase year-over-year, with diluted adjusted operating EPS rising by 20% to $5.02.These gains are attributed to the strength of Primerica’s Investment and Savings Products (ISP) and steady contributions from its Term Life business, despite challenges in recruiting and policy sales caused by economic uncertainties.

Primerica Inc.: These Are The 6 Biggest Factors Impacting Its Performance In 2025 & Beyond!

<ul><li>Primerica, Incorporated had a compelling fourth quarter in 2024, showcased by growth across key performance metrics.</li><li>The company recorded an 11% increase in adjusted net operating income compared to the previous year, while adjusted operating income per share rose by 17%.</li><li>For the entire year, these figures reflected a 14% and 20% increase, respectively.</li></ul>

Primerica, Incorporated had a compelling fourth quarter in 2024, showcased by growth across key performance metrics.The company recorded an 11% increase in adjusted net operating income compared to the previous year, while adjusted operating income per share rose by 17%.For the entire year, these figures reflected a 14% and 20% increase, respectively.

Primerica Inc.: Demographic-Driven Retirement Planning to Fortify Market Position Over Long Term!

<ul><li>Primerica, a financial services company serving middle-income families in the U.S. and Canada, reported a robust third quarter for 2024 with strong momentum and financial performance.</li><li>The company achieved a 21% increase in adjusted net operating income, totaling $193 million, and saw a notable 28% rise in diluted adjusted operating earnings per share to $5.68.</li><li>Solid cash flows enabled Primerica to repurchase $129 million worth of its own stock and distribute $31 million in dividends during the quarter, contributing to $463 million returned to shareholders for the year through buybacks and dividends.</li></ul>

Primerica, a financial services company serving middle-income families in the U.S. and Canada, reported a robust third quarter for 2024 with strong momentum and financial performance.The company achieved a 21% increase in adjusted net operating income, totaling $193 million, and saw a notable 28% rise in diluted adjusted operating earnings per share to $5.68.Solid cash flows enabled Primerica to repurchase $129 million worth of its own stock and distribute $31 million in dividends during the quarter, contributing to $463 million returned to shareholders for the year through buybacks and dividends.

Primerica Inc: Expanding Term Life and LDTI Strategies & Other Major Drivers

<ul><li>Primerica presented a robust performance in its second quarter of 2024 earnings report, reflecting solid growth metrics bolstered by strategic business maneuvers and consistent demand for financial products that cater to middle-income families in the U.S. and Canada.</li><li>Adjusted net operating income saw a 12% year-over-year increase to $163 million, while diluted adjusted operating earnings per share rose by 18% to $4.71, underscoring both stability and growth in key areas such as Term Life premiums and Investment and Savings Products segments.</li><li>Baptista Research looks to evaluate the different factors that could influence the company's price in the near future and attempts to carry out an independent valuation of the company using a Discounted Cash Flow (DCF) methodology.</li></ul>

Primerica presented a robust performance in its second quarter of 2024 earnings report, reflecting solid growth metrics bolstered by strategic business maneuvers and consistent demand for financial products that cater to middle-income families in the U.S. and Canada.Adjusted net operating income saw a 12% year-over-year increase to $163 million, while diluted adjusted operating earnings per share rose by 18% to $4.71, underscoring both stability and growth in key areas such as Term Life premiums and Investment and Savings Products segments.Baptista Research looks to evaluate the different factors that could influence the company's price in the near future and attempts to carry out an independent valuation of the company using a Discounted Cash Flow (DCF) methodology.

Primerica Inc.: Will The Increased Product Sales in Investment and Savings Products Last? - Major Drivers

<ul><li>Primerica's first quarter of 2024 financial results demonstrated resilience amidst challenging economic conditions, although it faced underperformance in certain segments.</li><li>The company reported an adjusted net operating income of $137 million, which represents a 4% increase compared to the previous year, and adjusted operating income per share rose by 10% to $3.91.</li><li>These figures reflect the robust performance of Primerica's core businesses, Term Life and Investment and Savings Products (ISP), along with notable growth in the sales force.</li></ul>

Primerica's first quarter of 2024 financial results demonstrated resilience amidst challenging economic conditions, although it faced underperformance in certain segments.The company reported an adjusted net operating income of $137 million, which represents a 4% increase compared to the previous year, and adjusted operating income per share rose by 10% to $3.91.These figures reflect the robust performance of Primerica's core businesses, Term Life and Investment and Savings Products (ISP), along with notable growth in the sales force.

Primerica Inc.: Initiation of Coverage - These Are The 4 Fundamental Factors Driving Their Performance! - Financial Forecasts

United States

Primerica Inc. distributes financial products to middle income households in North America. The Company products include term life insurance, mutual funds, variable annuities and other financial products, which are distribute primarily on behalf of third parties.

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Primerica Inc (PRI US)

Primerica Inc.: These Are The 6 Biggest Factors Impacting Its Performance In 2025 & Beyond!

Primerica's first quarter of 2025 earnings presentation highlights a business that remains financially stable and profitable while navigating...

Baptista Research

Primerica Inc.: Demographic-Driven Retirement Planning to Fortify Market Position Over Long Term!

Primerica, Incorporated had a compelling fourth quarter in 2024, showcased by growth across key performance metrics. The company recorded an 11%...

Baptista Research

Primerica Inc: Expanding Term Life and LDTI Strategies & Other Major Drivers

Primerica, a financial services company serving middle-income families in the U.S. and Canada, reported a robust third quarter for 2024 with...

Baptista Research

Primerica Inc.: Will The Increased Product Sales in Investment and Savings Products Last? - Major Drivers

Primerica presented a robust performance in its second quarter of 2024 earnings report, reflecting solid growth metrics bolstered by strategic...

Baptista Research

Primerica Inc.: Initiation of Coverage - These Are The 4 Fundamental Factors Driving Their Performance! - Financial Forecasts

Primerica's first quarter of 2024 financial results demonstrated resilience amidst challenging economic conditions, although it faced...

Baptista Research

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