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U.K. (FTSE) Insurance Industry Analysis

UpdatedFeb 06, 2025
DataAggregated Company Financials
Companies18
  • 7D-1.1%
  • 3M7.1%
  • 1Y2.8%
  • YTD2.6%

Over the last 7 days, the Insurance industry has dropped 1.1%, driven by a pullback from Prudential of 2.4%. In contrast, Saga has gained 15%. As for the longer term, the industry's performance has been flat for the past year. Looking forward, earnings are forecast to grow by 16% annually.

Industry Valuation and Performance

Has the U.K. Insurance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 07 Feb 2025UK£75.4bUK£90.7bUK£4.5b11.4x16.7x0.8x
Sun, 05 Jan 2025UK£73.1bUK£90.8bUK£4.5b11.8x16.2x0.8x
Tue, 03 Dec 2024UK£72.8bUK£90.5bUK£4.5b11.1x16.3x0.8x
Thu, 31 Oct 2024UK£70.8bUK£90.1bUK£4.4b11.8x16.1x0.8x
Sat, 28 Sep 2024UK£75.7bUK£89.5bUK£4.4b11.7x17.4x0.8x
Mon, 26 Aug 2024UK£75.7bUK£84.6bUK£5.3b11.5x14.2x0.9x
Wed, 24 Jul 2024UK£60.4bUK£70.4bUK£4.3b10.9x14.1x0.9x
Fri, 21 Jun 2024UK£60.8bUK£70.7bUK£4.3b11.1x14x0.9x
Sun, 19 May 2024UK£64.5bUK£70.7bUK£4.3b12.5x14.9x0.9x
Tue, 16 Apr 2024UK£60.7bUK£70.9bUK£4.4b11.8x13.7x0.9x
Thu, 14 Mar 2024UK£51.0bUK£51.4bUK£3.2b9.6x15.7x1x
Sat, 10 Feb 2024UK£20.0bUK£13.5bUK£368.3m20.7x54.4x1.5x
Mon, 08 Jan 2024UK£20.9bUK£13.3bUK£392.7m21.9x53.2x1.6x
Wed, 06 Dec 2023UK£21.1bUK£13.4bUK£394.9m22.4x53.5x1.6x
Fri, 03 Nov 2023UK£19.4bUK£13.6bUK£401.4m20.4x48.4x1.4x
Sun, 01 Oct 2023UK£19.7bUK£13.5bUK£395.8m19.4x49.9x1.5x
Tue, 29 Aug 2023UK£19.4bUK£12.6bUK£250.6m23.8x77.4x1.5x
Thu, 27 Jul 2023UK£19.8bUK£11.7b-UK£102,218,937.0030x-194x1.7x
Sat, 24 Jun 2023UK£18.6bUK£11.7bUK£129.0m29.9x144.1x1.6x
Mon, 22 May 2023UK£20.1bUK£11.8bUK£132.3m29.8x151.9x1.7x
Wed, 19 Apr 2023UK£19.5bUK£11.8bUK£133.4m29.7x145.9x1.6x
Fri, 17 Mar 2023UK£18.2bUK£11.9bUK£115.6m25.8x157.2x1.5x
Sun, 12 Feb 2023UK£68.5bUK£17.7bUK£792.3m16.5x86.5x3.9x
Tue, 10 Jan 2023UK£68.8bUK£17.5bUK£752.5m17.1x91.4x3.9x
Thu, 08 Dec 2022UK£61.4bUK£17.5bUK£755.0m16x81.4x3.5x
Sat, 05 Nov 2022UK£56.1bUK£18.1bUK£846.1m14.8x66.3x3.1x
Mon, 03 Oct 2022UK£52.8bUK£18.2bUK£861.5m15x61.3x2.9x
Wed, 31 Aug 2022UK£56.2bUK£19.4bUK£996.0m16.8x56.5x2.9x
Fri, 29 Jul 2022UK£77.6bUK£87.4bUK£4.2b15.8x18.3x0.9x
Sun, 26 Jun 2022UK£79.5bUK£86.7bUK£4.3b15.3x18.4x0.9x
Tue, 24 May 2022UK£82.1bUK£86.2bUK£4.4b15.9x18.7x1x
Thu, 21 Apr 2022UK£89.7bUK£85.2bUK£4.3b17.2x20.8x1.1x
Sat, 19 Mar 2022UK£88.8bUK£85.0bUK£4.3b15.6x20.5x1x
Mon, 14 Feb 2022UK£97.7bUK£127.8bUK£5.8b13.8x16.7x0.8x
Price to Earnings Ratio

16.7x


Total Market Cap: UK£97.7bTotal Earnings: UK£5.8bTotal Revenue: UK£127.8bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Insurance Industry Price to Earnings3Y Average 33x202320242025
Current Industry PE
  • Investors are pessimistic on the British Insurance industry, indicating that they anticipate long term growth rates will be lower than they have historically.
  • The industry is trading at a PE ratio of 16.7x which is lower than its 3-year average PE of 33.0x.
  • The 3-year average PS ratio of 1.9x is higher than the industry's current PS ratio of 0.83x.
Past Earnings Growth
  • The earnings for companies in the Insurance industry have declined 8.3% per year over the last three years,
  • Revenues have also declined 11% per year.
  • This means overall sales from these companies are declining and profits are subsequently falling as well.

Industry Trends

Which industries have driven the changes within the U.K. Financials industry?

GB Market0.78%
Financials0.28%
Insurance-1.06%
Reinsurance0.56%
Insurance Brokers0%0
General Insurance-0.45%
Property and Casualty Insurance-0.76%
Life and Health Insurance-1.48%
Industry PE
  • Investors are most optimistic about the Life and Health Insurance industry even though it's trading below its 3-year average PE ratio of 155x.
    • Analysts are expecting annual earnings growth of 28.3%, which is higher than its past year's earnings decline of 44.7% per year.
Forecasted Growth
  • Analysts are most optimistic on the Life and Health Insurance industry, expecting annual earnings growth of 28% over the next 5 years.
  • This is better than its past earnings decline of 45% per year.
  • In contrast, the Property and Casualty Insurance industry is expected to see its earnings growth to stay flat over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
ADM Admiral GroupUK£27.792.7%
+UK£216.4m		9.8%PE20.8x
BEZ BeazleyUK£8.673.5%
+UK£185.8m		54.5%PE5.2x
JUST Just GroupUK£1.642.2%
+UK£37.4m		93.6%PE19.2x
HSX HiscoxUK£10.970.5%
+UK£20.4m		5.2%PE6.4x
SAGA SagaUK£1.3611.3%
+UK£19.7m		18.5%PS0.2x
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Latest News

BEZ

UK£8.67

Beazley

7D

3.5%

1Y

54.5%

JUST

UK£1.64

Just Group

7D

2.2%

1Y

93.6%

SAGA

UK£1.36

Saga

7D

11.3%

1Y

18.5%

CSN

UK£2.67

Chesnara

7D

-0.6%

1Y

2.5%

AV.

UK£5.14

Aviva

7D

0.1%

1Y

22.2%

HSX

UK£10.97

Hiscox

7D

0.5%

1Y

5.2%

ADM

UK£27.79

Admiral Group

7D

2.7%

1Y

9.8%

Admiral Group plc (LON:ADM) Not Flying Under The Radar

Jan 22
Admiral Group plc (LON:ADM) Not Flying Under The Radar

PRU

UK£6.77

Prudential

7D

-1.7%

1Y

-17.2%

HUW

UK£2.24

Helios Underwriting

7D

7.2%

1Y

60.0%

LGEN

UK£2.39

Legal & General Group

7D

-1.0%

1Y

-1.0%

DLG

UK£2.69

Direct Line Insurance Group

7D

0.1%

1Y

67.4%

LRE

UK£6.36

Lancashire Holdings

7D

-1.9%

1Y

1.7%

Improved Earnings Required Before Lancashire Holdings Limited (LON:LRE) Shares Find Their Feet

Dec 04
Improved Earnings Required Before Lancashire Holdings Limited (LON:LRE) Shares Find Their Feet