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U.K. (FTSE) Life and Health Insurance Industry Analysis

UpdatedSep 25, 2025
DataAggregated Company Financials
Companies5
  • 7D1.3%
  • 3M11.0%
  • 1Y49.5%
  • YTDn/a

Over the last 7 days, the Life and Health Insurance industry has risen 1.3%, driven by gains from Prudential of 1.5%. This takes the industry's 12 month performance to a gain of 50%. Looking forward, earnings are forecast to grow by 24% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 25 Sep 2025UK£35.9bUK£30.2bUK£2.0b33.9x18x1.2x
Sat, 23 Aug 2025UK£35.6bUK£33.3bUK£645.4m24.4x55.2x1.1x
Mon, 21 Jul 2025UK£31.9bUK£33.2bUK£661.6m16.9x48.2x1x
Wed, 18 Jun 2025UK£31.6bUK£33.2bUK£659.9m17.5x47.9x1x
Fri, 16 May 2025UK£30.8bUK£33.3bUK£675.4m17.8x45.6x0.9x
Sun, 13 Apr 2025UK£26.3bUK£33.5bUK£705.8m15.8x37.2x0.8x
Tue, 11 Mar 2025UK£40.9bUK£48.7bUK£507.3m28.7x80.6x0.8x
Thu, 06 Feb 2025UK£38.6bUK£50.1bUK£548.1m24.6x70.4x0.8x
Sat, 04 Jan 2025UK£37.2bUK£50.2bUK£553.4m23.4x67.1x0.7x
Mon, 02 Dec 2024UK£37.0bUK£49.9bUK£535.3m24.8x69.2x0.7x
Wed, 30 Oct 2024UK£37.1bUK£49.8bUK£521.5m25.8x71.2x0.7x
Fri, 27 Sep 2024UK£39.2bUK£49.5bUK£501.0m28.1x78.2x0.8x
Sun, 25 Aug 2024UK£39.3bUK£44.6bUK£1.5b17.3x25.4x0.9x
Tue, 23 Jul 2024UK£26.1bUK£32.4bUK£1.3b12.3x19.8x0.8x
Thu, 20 Jun 2024UK£25.6bUK£32.5bUK£1.3b11.9x19.1x0.8x
Sat, 18 May 2024UK£29.1bUK£32.6bUK£1.3b13.6x21.7x0.9x
Mon, 15 Apr 2024UK£25.9bUK£32.7bUK£1.4b12.1x18.9x0.8x
Wed, 13 Mar 2024UK£15.8bUK£13.0bUK£558.7m9.6x28.3x1.2x
Fri, 09 Feb 2024UK£61.7mUK£90.2mUK£5.7m9.5x10.8x0.7x
Sun, 07 Jan 2024UK£60.3mUK£90.2mUK£5.7m9.4x10.6x0.7x
Tue, 05 Dec 2023UK£61.7mUK£90.2mUK£5.7m9.7x10.8x0.7x
Thu, 02 Nov 2023UK£62.3mUK£90.2mUK£5.7m9.5x10.9x0.7x
Sat, 30 Sep 2023UK£4.8bUK£6.7b-UK£823,000,000.0010.9x-5.9x0.7x
Mon, 28 Aug 2023UK£0UK£0UK£022.3xn/an/a
Wed, 26 Jul 2023UK£0UK£0UK£012.9xn/an/a
Fri, 23 Jun 2023UK£0UK£0UK£013.1xn/an/a
Sun, 21 May 2023UK£0UK£0UK£013.7xn/an/a
Tue, 18 Apr 2023UK£0UK£0UK£014.1xn/an/a
Thu, 16 Mar 2023UK£28.4bUK£1.6bUK£1.0b14.4x27.7x18.3x
Sat, 11 Feb 2023UK£35.9bUK£1.6bUK£834.9m15.9x42.9x22.7x
Mon, 09 Jan 2023UK£34.5bUK£1.6bUK£831.9m15.5x41.5x21.9x
Wed, 07 Dec 2022UK£30.3bUK£1.6bUK£820.0m15.3x36.9x19.4x
Fri, 04 Nov 2022UK£23.6bUK£1.7bUK£888.7m14.7x26.5x14.2x
Sun, 02 Oct 2022UK£25.0bUK£1.7bUK£919.0m13.5x27.2x14.6x
Price to Earnings Ratio

27.2x


Total Market Cap: UK£25.0bTotal Earnings: UK£919.0mTotal Revenue: UK£1.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Life and Health Insurance Industry Price to Earnings3Y Average 32.3x202320242025
Current Industry PE
  • Investors are pessimistic on the British Life and Health 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 18.0x which is lower than its 3-year average PE of 32.3x.
  • The 3-year average PS ratio of 4.9x is higher than the industry's current PS ratio of 1.2x.
Past Earnings Growth
  • The earnings for companies in the Life and Health Insurance industry have grown 29% per year over the last three years.
  • Revenues for these companies have grown 161% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Comparison

How does U.K. Life and Health Insurance compare with similar industries?

GB Market0.52%
Financials0.57%
Insurance0.23%
Life and Health Insurance1.32%
Reinsurance8.78%
Insurance Brokers0%0
General Insurance-0.15%
Property and Casualty Insurance-1.38%
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.

Top Stock Gainers and Losers

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

CompanyLast Price7D1YValuation
PRU PrudentialUK£10.351.5%
+UK£368.3m		61.2%PE10.3x
PHNX Phoenix Group HoldingsUK£6.591.3%
+UK£84.9m		18.5%PS0.4x
CSN ChesnaraUK£2.720.6%
+UK£3.5m		6.5%PS1.8x
HSD Hansard GlobalUK£0.500.8%
+UK£546.8k		2.1%PE42.8x

Latest News

HSD
UK£0.50
Hansard Global
7D
0.8%
1Y
2.1%
PRU
UK£10.35
Prudential
7D
1.5%
1Y
61.2%
PHNX
UK£6.59
Phoenix Group Holdings
7D
1.3%
1Y
18.5%

Digital Transformation Will Improve Customer Engagement And Efficiency

The upward revision in Phoenix Group Holdings’ price target reflects improved revenue growth forecasts, despite a rising future P/E, resulting in a new consensus fair value of £6.95. Valuation Changes Summary of Valuation Changes for Phoenix Group Holdings The Consensus Analyst Price Target has risen slightly from £6.79 to £6.95.
JUST
UK£2.12
Just Group
7D
-0.2%
1Y
56.1%
LGEN
UK£2.37
Legal & General Group
7D
-0.9%
1Y
5.1%

UK Demographic Shifts And Digital Transformation Will Unlock Value

Analysts have lowered their price target for Legal & General Group from £2.67 to £2.62, citing limited earnings upside, valuation concerns after recent share price gains, and ongoing margin and demand pressures in core markets. Analyst Commentary Valuation concerns as recent share price gains have already priced in expected capital returns.
CSN
UK£2.72
Chesnara
7D
0.6%
1Y
6.5%