PRI (Primerica) LT-Debt-to-Total-Asset: 0.12 (As of Mar. 2026)

What is Primerica LT-Debt-to-Total-Asset?

Primerica PRI +0.90% 91 LT-Debt-to-Total-Asset is 0.12 as of Mar. 2026. GuruFocus rates PRI with a GF Score™ of 91/100 and a GF Value™ of $302.80 (Fairly Valued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Primerica's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.12.

Primerica's long-term debt to total assets ratio declined from Mar. 2025 (0.13) to Mar. 2026 (0.12). It may suggest that Primerica is progressively becoming less dependent on debt to grow their business.

Primerica (NYSE:PRI) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Primerica LT-Debt-to-Total-Asset Related Terms

Primerica LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Primerica's LT-Debt-to-Total-Asset 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.

Primerica LT-Debt-to-Total-Asset Chart

Primerica Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.13

0.14

0.13

0.12

Primerica Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.13	0.13	0.13	0.12	0.12

91GF Score

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Primerica LT-Debt-to-Total-Asset Calculation

Primerica's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	1819.999	/	15012.336
	=	0.12

Primerica's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	1774.37	/	14677.426
	=	0.12

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.12 mean?

Primerica (PRI) has a LT-Debt-to-Total-Asset of 0.12 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Primerica and its competitors.

Is Primerica's LT-Debt-to-Total-Asset too high?

Primerica's current LT-Debt-to-Total-Asset is 0.12. 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 LT-Debt-to-Total-Asset compare to JXN and LNC?

Primerica's LT-Debt-to-Total-Asset of 0.12 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Primerica and its competitors. Primerica's current LT-Debt-to-Total-Asset is 0.12. 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 $302.80, compared to a current price of $283.89 — trading 6.2% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.12. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Primerica (PRI), the current LT-Debt-to-Total-Asset is 0.12 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 $283.89 is trading 6.2% below its estimated GF Value™ of $302.80. GuruFocus considers Primerica to be Fairly Valued.

Key valuation signals for PRI:

LT-Debt-to-Total-Asset: 0.12
GF Value™: $302.80 vs. price of $283.89 (6.2% below fair value)
GF Score™: 91/100 with 3 warning signs

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 Business Description

Industry Financial Services Insurance

Comparable Companies JXN LNC GL CNO FG BHF UNM GNW ABX KCLI SHSE:601318 SHSE:601628 HKSE:01299 TSX:MFC AFL BOM:543526 MET TSX:GWO TPE:2881 XKRX:032830

Other Exchanges PI7:Germany

Address 1 Primerica Parkway, Duluth, GA, USA, 30099

Website https://www.primerica.com

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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$283.89

Price

$302.80

GF Value

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