PrimericaPRI -0.78%91 Interest Coverage is 43.56 as of Mar. 2026, which is 115% above its 10-year median of 20.30. GuruFocus rates PRI with a GF Score™ of 91/100 and a GF Value™ of $302.68 (Fairly Valued). The stock has 3 warning signs investors should review. Among 353 Insurance companies, Primerica ranks better than 69.12% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Primerica's
EBIT
for the
three
months ended in Mar. 2026 was $255 Mil. Primerica's Interest Expense for the
three
months ended in Mar. 2026 was $-6 Mil.
Primerica's interest coverage for the quarter that ended in Mar. 2026 was 43.56.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Primerica's Interest Coverage or its related term are showing as below:
PRI'
s Interest Coverage Range Over the Past 10 Years
Min: 12.77 Med: 20.3 Max: 43.1
Current: 43.1
PRI's Interest Coverage is ranked better than 69.12% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs PRI: 43.10
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Primerica Interest Coverage Related Terms
Primerica Interest Coverage Historical Data
* Premium members only.
The historical data trend for Primerica's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Life subindustry, Primerica's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Primerica Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Primerica's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Primerica's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Primerica (PRI) has a Interest Coverage of 43.56 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Primerica and its competitors. This is 115% above median its historical median of 20.30. Over the past decade, Primerica's Interest Coverage has ranged from 12.77 to 43.10. According to the industry distribution chart, Primerica ranks #109 out of 353 companies in the Insurance industry, placing it in the top 30.9%.
Is Primerica's Interest Coverage too high?
Primerica's current Interest Coverage of 43.56 is 115% above median its 10-year median of 20.30. Over the past 10 years, this metric has ranged from a low of 12.77 to a high of 43.10. The Insurance industry median Interest Coverage is 16.26. Primerica's value of 43.56 is 167.9% above this industry median. Based on the distribution chart, Primerica ranks #109 out of 353 companies in the Insurance industry, which is above the industry midpoint. Overall, Primerica has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Primerica's Interest Coverage compare to JXN and LNC?
According to the Insurance industry distribution chart, Primerica ranks #109 out of 353 companies for Interest Coverage. This puts Primerica in the upper half of its industry. The industry median Interest Coverage is 16.26. Primerica's value of 43.56 is 167.9% above this benchmark. Historically, Primerica's own Interest Coverage has ranged from 12.77 to 43.10 over the past decade. While the company's 10-year median is 20.30 vs. the industry median of 16.26, Primerica has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Primerica's current Interest Coverage of 43.56 is 167.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Primerica and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Primerica's current Interest Coverage is 43.56, which is 115% above median its own 10-year median of 20.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primerica stock overvalued right now?
Based on GuruFocus' analysis, Primerica (PRI) is currently considered Fairly Valued. The stock's GF Value™ is $302.68, compared to a current price of $281.52 — trading 7% below its estimated fair value. The current Interest Coverage is 43.56, which is 115% above median its 10-year median of 20.30 and 167.9% above the Insurance industry median of 16.26. Primerica's overall GF Score™ is 91/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Primerica (PRI), the current Interest Coverage is 43.56 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Primerica (PRI) Overvalued in 2026?
Based on GuruFocus' analysis, Primerica stock appears to be undervalued.
The current stock price of $281.52 is trading 7% below its estimated GF Value™ of $302.68.
GuruFocus considers Primerica to be Fairly Valued.
Key valuation signals for PRI:
Interest Coverage: 43.56 (115% above median its 10-year median of 20.30)
GF Value™: $302.68 vs. price of $281.52 (7% below fair value)
Industry Position: 167.9% above the Insurance median (#109 of 353)
No single metric tells the full story. See the PRI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primerica Inc is a provider of financial services to middle-income households in the United States and Canada. The company offers life insurance, mutual funds, annuities, and other financial products, distributed on behalf of third parties. Primerica has three main subsidiaries: Primerica Financial Services, a marketing company; Primerica Life Insurance Company, a principal life insurance underwriting entity; and PFS Investments, which offers investment and savings products, brokerage services, and registered investment advisory. It has three segments Term Life Insurance; Investment and Savings Products; and Corporate and Other Distributed Products. Geogriphically, it derives a majority of its revenue from the United States.
91GF Score
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