Which is better, PRI or V?

On the Buffett-Fit framework, Visa Inc. (V) currently grades higher than PRI — 67/100 (B grade) vs 65/100 (B). That said, "better" depends on which framework you trust — PRI wins on Benjamin Graham; V wins on Warren Buffett, Philip Fisher, Peter Lynch, Joel Greenblatt, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy PRI or V?

This page is an educational comparison, not investment advice. Both PRI and V are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is PRI better than V for value investing?

The two are close on the headline Buffett-Fit score (65/100 vs 67/100), so "better for value investing" depends on which pillar you weight most. The five Buffett pillars + six other frameworks are broken down side-by-side on this page so you can pick the one that fits your style.

What's the difference between PRI and V on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). PRI currently scores 65/100 (B grade); V scores 67/100 (B grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, PRI or V?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. PRI and V are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, PRI or V?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are PRI and V both Financial Services stocks?

Yes — both Primerica, Inc. (PRI) and Visa Inc. (V) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this PRI vs V comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Primerica

Visa

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

PRI

Primerica

Market cap

$8.55B

Sector

Financials

Visa

Market cap

$624.41B

Sector

Financials

Overall winner

Visa V

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	PRI	V	Winner
Warren Buffett	65B	67B	V
Benjamin Graham	65B	64C	PRI
Philip Fisher	59C	68B	V
Peter Lynch	40D	54C	V
Joel Greenblatt	32F	64C	V
Charlie Munger	61C	75B	V
Terry Smith	62C	80A	V

Side-by-side metrics

Metric	PRI	V
Market cap	$8.55B	$624.41B
P/E (TTM)	11.2x	28.0x
EV/EBIT	9.9x	26.5x
ROIC (TTM)	19.09%	32.73%
Gross margin	62.05%	81.29%
Net margin	23.2%	51.68%
Revenue CAGR 5y	4.46%	13.5%
EPS CAGR 5y	24.87%	16.07%
Debt / Equity	0.7x	0.7x
Dividend yield	1.58%	0.8%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

PRI leads on

EV/EBIT9.9xvs 26.5x+63%
P/E (TTM)11.2xvs 28.0x+60%
Dividend yield1.58%vs 0.8%+49%
EPS CAGR 5y24.87%vs 16.07%+35%

V leads on

Market cap$624.41Bvs $8.55B+99%
Revenue CAGR 5y13.5%vs 4.46%+67%
Net margin51.68%vs 23.2%+55%
ROIC (TTM)32.73%vs 19.09%+42%

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Primerica

Visa

Fit scores by strategy

Side-by-side metrics

Where each one wins

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Key terms in this analysis