PRI vs. USB
PRI (Primerica, Inc.) and USB (U.S. Bancorp) are both stocks. Both are in the Financial Services sector — PRI in Insurance - Life, USB in Banks - Regional. Over the past 10 years, PRI returned 19.48%/yr vs 8.08%/yr for USB. A 0.56 correlation means they provide meaningful diversification when combined.
Performance
PRI vs. USB - Performance Comparison
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Returns By Period
In the year-to-date period, PRI achieves a 9.94% return, which is significantly lower than USB's 13.81% return. Over the past 10 years, PRI has outperformed USB with an annualized return of 19.48%, while USB has yielded a comparatively lower 8.08% annualized return.
PRI
- 1D
- -0.78%
- 1M
- 0.63%
- YTD
- 9.94%
- 6M
- 8.34%
- 1Y
- 6.59%
- 3Y*
- 15.89%
- 5Y*
- 14.28%
- 10Y*
- 19.48%
USB
- 1D
- 0.10%
- 1M
- 9.63%
- YTD
- 13.81%
- 6M
- 11.61%
- 1Y
- 40.68%
- 3Y*
- 29.43%
- 5Y*
- 5.24%
- 10Y*
- 8.08%
PRI vs. USB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PRI Primerica, Inc. | 9.94% | -3.33% | 33.62% | 47.07% | -5.94% | 15.86% | 3.91% | 35.11% | -2.88% | 48.22% |
USB U.S. Bancorp | 13.81% | 16.48% | 15.62% | 4.79% | -19.13% | 24.32% | -17.85% | 33.62% | -12.36% | 6.61% |
Correlation
The correlation between PRI and USB is 0.49, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.49 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.46 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.53 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.57 |
Correlation (All Time) Calculated using the full available price history since Apr 1, 2010 | 0.56 |
The correlation between PRI and USB shifts across timeframes, from 0.46 (3 years) to 0.57 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
PRI:
$8.93B
USB:
$93.47B
PRI:
$23.92
USB:
$5.02
PRI:
11.77
USB:
11.98
PRI:
2.72
USB:
2.16
PRI:
3.54
USB:
1.58
PRI:
$3.34B
USB:
$43.34B
PRI:
$1.37B
USB:
$27.22B
PRI:
$785.68M
USB:
$10.34B
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Return for Risk
PRI vs. USB — Risk / Return Rank
PRI
USB
PRI vs. USB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Primerica, Inc. (PRI) and U.S. Bancorp (USB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| PRI | USB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.53 | ||
| Sortino ratioReturn per unit of downside risk | -1.93 | ||
| Omega ratioGain probability vs. loss probability | 1.07 | 1.32 | -0.25 |
| Calmar ratioReturn relative to maximum drawdown | 0.50 | 2.52 | -2.02 |
| Martin ratioReturn relative to average drawdown | 0.93 | 6.24 | -5.31 |
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Drawdowns
PRI vs. USB - Drawdown Comparison
The maximum PRI drawdown since its inception was -54.47%, smaller than the maximum USB drawdown of -76.08%. Use the drawdown chart below to compare losses from any high point for PRI and USB.
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Drawdown Indicators
| PRI | USB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -54.47% | -76.08% | +21.61% |
Max Drawdown (1Y)Largest decline over 1 year | -13.28% | -16.21% | +2.93% |
Max Drawdown (3Y)Largest decline over 3 years | -19.55% | -30.63% | +11.08% |
Max Drawdown (5Y)Largest decline over 5 years | -36.66% | -52.13% | +15.47% |
Max Drawdown (10Y)Largest decline over 10 years | -54.47% | -52.13% | -2.34% |
Current DrawdownCurrent decline from peak | -5.40% | 0.00% | -5.40% |
Average DrawdownAverage peak-to-trough decline | -8.90% | -15.62% | +6.72% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.09% | 6.54% | +0.55% |
Volatility
PRI vs. USB - Volatility Comparison
The current volatility for Primerica, Inc. (PRI) is 7.39%, while U.S. Bancorp (USB) has a volatility of 8.00%. This indicates that PRI experiences smaller price fluctuations and is considered to be less risky than USB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PRI | USB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.39% | 8.00% | -0.61% |
Volatility (6M)Calculated over the trailing 6-month period | 15.80% | 17.07% | -1.27% |
Volatility (1Y)Calculated over the trailing 1-year period | 21.66% | 22.33% | -0.67% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 25.73% | 29.78% | -4.05% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 30.20% | 30.29% | -0.09% |
Dividends
PRI vs. USB - Dividend Comparison
PRI's dividend yield for the trailing twelve months is around 1.59%, less than USB's 3.43% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PRI Primerica, Inc. | 1.59% | 1.61% | 1.22% | 1.26% | 1.55% | 1.23% | 1.19% | 1.04% | 1.02% | 0.77% | 1.01% | 1.36% |
USB U.S. Bancorp | 3.43% | 3.82% | 4.14% | 4.46% | 4.31% | 3.13% | 3.61% | 2.66% | 2.93% | 2.16% | 2.08% | 2.37% |
Financials
PRI vs. USB - Financials Comparison
This section allows you to compare key financial metrics between Primerica, Inc. and U.S. Bancorp. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
PRI vs. USB - Profitability Comparison
PRI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Primerica, Inc. reported a gross profit of 0.00 and revenue of 872.69M. Therefore, the gross margin over that period was 0.0%.
USB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, U.S. Bancorp reported a gross profit of 6.68B and revenue of 10.84B. Therefore, the gross margin over that period was 61.7%.
PRI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Primerica, Inc. reported an operating income of 0.00 and revenue of 872.69M, resulting in an operating margin of 0.0%.
USB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, U.S. Bancorp reported an operating income of 2.69B and revenue of 10.84B, resulting in an operating margin of 24.8%.
PRI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Primerica, Inc. reported a net income of 190.10M and revenue of 872.69M, resulting in a net margin of 21.8%.
USB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, U.S. Bancorp reported a net income of 1.95B and revenue of 10.84B, resulting in a net margin of 18.0%.
Frequently Asked Questions
PRI and USB have a correlation of 0.49, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USB has higher volatility (8.00%) compared to PRI (7.39%). In terms of maximum drawdown, PRI dropped -54.47% vs USB's -76.08%.
USB currently has the higher Sharpe Ratio (1.83 vs 0.31), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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