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U.S. Insurance Industry Analysis
UpdatedJan 30, 2025
DataAggregated Company Financials
Companies124
- 7D1.5%
- 3M2.0%
- 1Y21.3%
- YTD2.9%
In the last week, the Insurance industry is up 1.5%, with Progressive up 3.0%. During this same period, the RenaissanceRe Holdings underperformed, falling 7.5%. This means that the industry has gained 21% over the past year. Earnings are forecast to grow by 13% annually.
Industry Valuation and Performance
Has the U.S. Insurance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Thu, 30 Jan 2025 | US$1.4t | US$895.6b | US$89.4b | 12.7x | 15.6x | 1.6x |
| Sat, 28 Dec 2024 | US$1.4t | US$893.2b | US$91.1b | 13x | 15x | 1.5x |
| Mon, 25 Nov 2024 | US$1.5t | US$893.2b | US$91.0b | 13.7x | 16x | 1.6x |
| Wed, 23 Oct 2024 | US$1.4t | US$861.4b | US$89.6b | 13.8x | 15.7x | 1.6x |
| Fri, 20 Sep 2024 | US$1.4t | US$855.0b | US$87.4b | 14.3x | 16x | 1.6x |
| Sun, 18 Aug 2024 | US$1.3t | US$855.4b | US$87.0b | 13.6x | 15.3x | 1.6x |
| Tue, 16 Jul 2024 | US$1.2t | US$820.7b | US$79.0b | 13.6x | 15.2x | 1.5x |
| Thu, 13 Jun 2024 | US$1.2t | US$823.4b | US$79.2b | 12.9x | 14.8x | 1.4x |
| Sat, 11 May 2024 | US$1.2t | US$821.7b | US$78.7b | 13.1x | 15x | 1.4x |
| Mon, 08 Apr 2024 | US$1.2t | US$792.7b | US$66.9b | 14.6x | 17.8x | 1.5x |
| Wed, 06 Mar 2024 | US$1.1t | US$792.1b | US$66.6b | 14.5x | 17.1x | 1.4x |
| Fri, 02 Feb 2024 | US$1.1t | US$797.6b | US$53.4b | 13.1x | 21.4x | 1.4x |
| Sun, 31 Dec 2023 | US$1.1t | US$792.9b | US$47.7b | 13x | 23x | 1.4x |
| Tue, 28 Nov 2023 | US$1.1t | US$792.8b | US$47.5b | 13.2x | 23.2x | 1.4x |
| Thu, 26 Oct 2023 | US$1.0t | US$805.4b | US$41.0b | 15x | 25.4x | 1.3x |
| Sat, 23 Sep 2023 | US$1.1t | US$799.3b | US$38.7b | 14.8x | 27.1x | 1.3x |
| Mon, 21 Aug 2023 | US$1.0t | US$799.0b | US$38.6b | 15.2x | 26.1x | 1.3x |
| Wed, 19 Jul 2023 | US$992.3b | US$781.6b | US$37.8b | 15.3x | 26.2x | 1.3x |
| Fri, 16 Jun 2023 | US$958.5b | US$774.5b | US$35.1b | 16.5x | 27.3x | 1.2x |
| Sun, 14 May 2023 | US$969.5b | US$774.0b | US$35.7b | 15.5x | 27.1x | 1.3x |
| Tue, 11 Apr 2023 | US$969.1b | US$759.1b | US$44.1b | 15.3x | 22x | 1.3x |
| Thu, 09 Mar 2023 | US$997.5b | US$759.7b | US$44.1b | 16.9x | 22.6x | 1.3x |
| Sat, 04 Feb 2023 | US$1.0t | US$778.4b | US$50.8b | 15.8x | 20.2x | 1.3x |
| Mon, 02 Jan 2023 | US$1.0t | US$777.8b | US$54.7b | 14.9x | 18.5x | 1.3x |
| Wed, 30 Nov 2022 | US$1.0t | US$777.8b | US$54.6b | 14.5x | 18.8x | 1.3x |
| Fri, 28 Oct 2022 | US$965.8b | US$768.3b | US$60.3b | 14.6x | 16x | 1.3x |
| Sun, 25 Sep 2022 | US$896.0b | US$767.1b | US$63.3b | 13.1x | 14.2x | 1.2x |
| Tue, 23 Aug 2022 | US$963.6b | US$767.3b | US$63.3b | 13.9x | 15.2x | 1.3x |
| Thu, 21 Jul 2022 | US$935.8b | US$783.0b | US$77.4b | 11.4x | 12.1x | 1.2x |
| Sat, 18 Jun 2022 | US$909.7b | US$787.8b | US$79.3b | 11.1x | 11.5x | 1.2x |
| Mon, 16 May 2022 | US$1.0t | US$787.9b | US$79.2b | 11.2x | 13x | 1.3x |
| Wed, 13 Apr 2022 | US$1.1t | US$787.4b | US$87.1b | 11x | 12.8x | 1.4x |
| Fri, 11 Mar 2022 | US$1.1t | US$817.4b | US$91.1b | 10.1x | 11.5x | 1.3x |
| Sun, 06 Feb 2022 | US$1.1t | US$796.4b | US$88.6b | 11x | 12.4x | 1.4x |
Price to Earnings Ratio
12.4x
Current Industry PE
- Investors are pessimistic on the American 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 15.6x which is lower than its 3-year average PE of 18.3x.
- The 3-year average PS ratio of 1.4x is lower than the industry's current PS ratio of 1.6x.
Past Earnings Growth
- The earnings for companies in the Insurance industry have remained mostly flat over the last three years.
- Meanwhile revenues for these companies have grown 4.0% per year.
- This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased and as a result, profits have held steady.
Industry Trends
Which industries have driven the changes within the U.S. Financials industry?
| US Market | -0.77% | |
| Financials | 1.60% | |
| Insurance | 1.50% | |
| Life and Health Insurance | 2.87% | |
| Property and Casualty Insurance | 2.00% | |
| General Insurance | 0.97% | |
| Insurance Brokers | 0.27% | |
| Reinsurance | -1.57% | |
Industry PE
- Investors are most optimistic about the Insurance Brokers industry which is trading above its 3-year average PE ratio of 35.7x.
- Analysts are expecting annual earnings growth of 24.5%, which is higher than its past year's earnings growth of 3.1% per year.
- Investors are most pessimistic about the Reinsurance industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average.
Forecasted Growth
- Analysts are most optimistic on the General Insurance industry, expecting annual earnings growth of 37% over the next 5 years.
- However this is lower than its past earnings growth rate of 138% per year.
- In contrast, the Property and Casualty Insurance industry is expected to see its earnings grow by 3.7% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| PGR Progressive | US$246.40 | 3.0% +US$4.2b | 38.2% | PE17.9x | |
| CB Chubb | US$275.83 | 2.8% +US$3.0b | 12.6% | PE12x | |
| AFL Aflac | US$107.62 | 3.2% +US$1.8b | 27.6% | PE15.7x | |
| PRU Prudential Financial | US$122.33 | 4.2% +US$1.8b | 16.6% | PE10.7x | |
| ALL Allstate | US$190.81 | 3.0% +US$1.5b | 22.9% | PE12.3x |