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U.K. (FTSE) Insurance Industry Analysis

UpdatedDec 24, 2025
DataAggregated Company Financials
Companies14
  • 7D3.0%
  • 3M5.8%
  • 1Y45.0%
  • YTD42.8%

Over the last 7 days, the Insurance industry has risen 2.9%, driven by gains from every company within the industry. This means that the industry has gained 45% over the past year. Earnings are forecast to grow by 15% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 24 Dec 2025UK£82.2bUK£68.9bUK£4.8b11.5x17x1.2x
Fri, 21 Nov 2025UK£77.0bUK£69.5bUK£5.0b10.8x15.6x1.1x
Sun, 19 Oct 2025UK£76.7bUK£69.0bUK£4.8b10.9x15.8x1.1x
Tue, 16 Sep 2025UK£78.3bUK£68.8bUK£4.8b11.2x16.4x1.1x
Thu, 14 Aug 2025UK£77.1bUK£70.1bUK£3.4b15x22.4x1.1x
Sat, 12 Jul 2025UK£72.5bUK£69.7bUK£3.6b13x20x1x
Mon, 09 Jun 2025UK£75.1bUK£74.8bUK£3.8b12.9x19.9x1x
Wed, 07 May 2025UK£70.5bUK£75.6bUK£3.6b12.6x19.4x0.9x
Fri, 04 Apr 2025UK£67.9bUK£76.3bUK£3.7b12.1x18.2x0.9x
Sun, 02 Mar 2025UK£79.8bUK£90.7bUK£3.8b13x21.1x0.9x
Tue, 28 Jan 2025UK£75.0bUK£90.8bUK£4.5b11.4x16.6x0.8x
Thu, 26 Dec 2024UK£72.5bUK£90.7bUK£4.5b11.7x16.1x0.8x
Sat, 23 Nov 2024UK£70.6bUK£90.7bUK£4.5b11.2x15.7x0.8x
Mon, 21 Oct 2024UK£74.4bUK£90.0bUK£4.4b11.8x16.9x0.8x
Wed, 18 Sep 2024UK£73.9bUK£89.7bUK£4.4b10.3x16.8x0.8x
Fri, 16 Aug 2024UK£75.6bUK£84.4bUK£5.4b11.2x14.1x0.9x
Sun, 14 Jul 2024UK£61.9bUK£70.3bUK£4.3b10.7x14.5x0.9x
Tue, 11 Jun 2024UK£61.6bUK£70.6bUK£4.3b11x14.2x0.9x
Thu, 09 May 2024UK£63.1bUK£70.9bUK£4.4b12.1x14.4x0.9x
Sat, 06 Apr 2024UK£61.9bUK£70.6bUK£4.4b11.6x14.1x0.9x
Mon, 04 Mar 2024UK£22.3bUK£13.5bUK£496.3m19.6x44.9x1.7x
Wed, 31 Jan 2024UK£19.9bUK£13.5bUK£353.0m20.4x56.4x1.5x
Fri, 29 Dec 2023UK£20.8bUK£13.3bUK£392.3m22.1x53x1.6x
Sun, 26 Nov 2023UK£21.0bUK£13.4bUK£394.5m21.7x53.3x1.6x
Tue, 24 Oct 2023UK£19.2bUK£13.6bUK£400.8m19.9x48x1.4x
Thu, 21 Sep 2023UK£20.2bUK£13.3bUK£189.0m18.5x106.7x1.5x
Sat, 19 Aug 2023UK£19.3bUK£12.5bUK£248.1m23.7x77.6x1.5x
Mon, 17 Jul 2023UK£18.7bUK£11.6b-UK£100,398,312.0030.7x-186.7x1.6x
Wed, 14 Jun 2023UK£19.3bUK£11.7bUK£131.2m29.5x146.8x1.6x
Fri, 12 May 2023UK£19.7bUK£11.8bUK£136.7m29.2x144.3x1.7x
Sun, 09 Apr 2023UK£19.6bUK£11.7bUK£104.6m29.7x187.2x1.7x
Tue, 07 Mar 2023UK£67.5bUK£17.8bUK£775.5m17.2x87x3.8x
Thu, 02 Feb 2023UK£70.6bUK£17.4bUK£743.9m16.4x94.9x4.1x
Sat, 31 Dec 2022UK£64.8bUK£17.6bUK£766.9m16.8x84.5x3.7x
Price to Earnings Ratio

84.5x


Total Market Cap: UK£64.8bTotal Earnings: UK£766.9mTotal Revenue: UK£17.6bTotal Market Cap vs Earnings and Revenue0%0%0%
U.K. Insurance Industry Price to Earnings3Y Average 19.5x202320242025
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 17.0x which is lower than its 3-year average PE of 19.5x.
  • The 3-year average PS ratio of 1.4x is higher than the industry's current PS ratio of 1.2x.
Past Earnings Growth
  • The earnings for companies in the Insurance industry have grown 85% per year over the last three years.
  • Revenues for these companies have grown 58% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

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

GB Market2.11%
Financials3.42%
Insurance3.01%
Life and Health Insurance4.13%
General Insurance2.66%
Reinsurance1.59%
Property and Casualty Insurance1.36%
Insurance Brokers0%0
Industry PE
  • Investors are most optimistic about the Reinsurance industry which is trading above its 3-year average PE ratio of 4.6x.
    • Analysts are expecting annual earnings growth of 24.4%, which is higher than its past year's earnings decline of 93.3% per year.
  • Investors are most pessimistic about the Property and Casualty Insurance industry, which is trading below its 3-year average of 17.7x.
Forecasted Growth
  • Analysts are most optimistic on the Reinsurance industry, expecting annual earnings growth of 24% over the next 5 years.
  • This is better than its past earnings decline of 93% per year.
  • In contrast, the Property and Casualty Insurance industry is expected to see its earnings decline by 2.3% per year over the next few years.

Top Stock Gainers and Losers

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

CompanyLast Price7D1YValuation
PRU PrudentialUK£11.524.3%
+UK£1.2b		81.9%PE11.4x
AV. AvivaUK£6.832.7%
+UK£541.0m		47.5%PE35x
LGEN Legal & General GroupUK£2.592.5%
+UK£360.2m		15.0%PE56.3x
PHNX Phoenix Group HoldingsUK£7.315.0%
+UK£349.7m		45.6%PS0.4x
ADM Admiral GroupUK£31.801.2%
+UK£115.1m		21.2%PE11.6x

Latest News

HSX
UK£14.26
Hiscox
7D
1.7%
1Y
32.0%
PHNX
UK£7.31
Phoenix Group Holdings
7D
5.0%
1Y
45.6%

PHNX: Margin Gains And Cash Generation Will Support Stronger Share Price

Phoenix Group Holdings' analyst price target has inched up by GBP 0.02 to GBP 8.52 per share, as analysts point to improving profit margin expectations and a more attractive forward valuation, despite still-muted revenue growth. Analyst Commentary Bullish analysts are highlighting the recent uptick in the price target to 852 GBp per share as evidence that improving fundamentals are starting to be reflected in market expectations, even as near term revenue trends remain restrained.
ADM
UK£31.80
Admiral Group
7D
1.2%
1Y
21.2%
PRU
UK£11.52
Prudential
7D
4.3%
1Y
81.9%

Here's Why We Think Prudential (LON:PRU) Is Well Worth Watching

Dec 14
Here's Why We Think Prudential (LON:PRU) Is Well Worth Watching
AV.
UK£6.83
Aviva
7D
2.7%
1Y
47.5%

Investors Still Waiting For A Pull Back In Aviva plc (LON:AV.)

Dec 12
Investors Still Waiting For A Pull Back In Aviva plc (LON:AV.)
LGEN
UK£2.59
Legal & General Group
7D
2.5%
1Y
15.0%

LGEN: Modest Price Target Increases Will Support Confidence Through CFO Transition

Analysts modestly raised their price targets on Legal & General Group, with updated fair value estimates edging higher toward a blended range of about £2.10 to £2.89 per share. They cited improved confidence in the company’s earnings resilience despite only marginally revised growth and profitability assumptions.
SAGA
UK£3.97
Saga
7D
11.8%
1Y
221.7%

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Dec 10
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BEZ
UK£8.37
Beazley
7D
1.1%
1Y
2.7%

Beazley plc's (LON:BEZ) Low P/E No Reason For Excitement

Nov 28
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