How did PRI's Q4 earnings surprise investors?

**Primerica's Q4 earnings exceeded investor expectations in terms of EPS and revenue**, as detailed below: 1. **Earnings Per Share (EPS)**: - Primerica reported an EPS of $5.03 for Q4 2024. - This exceeded the estimated EPS of $4.89. - The surprise was approximately $0.14 per share, or about 2.9%. 2. **Revenue**: - The company’s revenue for the quarter was $788.1 million. - This was higher than the estimated revenue of $764.84 million. - The surprise was approximately $23.6 million, or about 3.1%. 3. **Overall Performance**: - Despite the stock price dipping after the earnings release, the company's strong financial results underscore its ability to capitalize on market conditions and expand its customer base. - Primerica's net income from continuing operations rose by 9% to $167.7 million, with a 12% increase in total revenues to $788.1 million for the quarter. The company's performance highlights its strategic investments and ability to navigate challenges such as cost-of-living pressures. However, the dip in stock price post-earnings release suggests that investors may have had concerns about future profitability or market conditions.