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U.S. Life and Health Insurance Industry Analysis

UpdatedAug 06, 2026
DataAggregated Company Financials
Companies21
  • 7D0.1%
  • 3M16.1%
  • 1Y24.6%
  • YTDn/a

The Life and Health Insurance is pretty flat in the last 7 days, but Lincoln National has stood out, gaining 13%. The past year has been better, since the industry has gained 25% in that time. Looking forward, earnings are forecast to grow by 8.8% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 07 Aug 2026US$281.9bUS$266.0bUS$19.8b14.7x14.2x1.1x
Sun, 05 Jul 2026US$268.6bUS$264.8bUS$18.7b15.3x14.4x1x
Tue, 02 Jun 2026US$245.6bUS$264.8bUS$18.7b14.2x13.1x0.9x
Thu, 30 Apr 2026US$247.8bUS$260.6bUS$17.1b15.6x14.5x1x
Sat, 28 Mar 2026US$227.7bUS$260.6bUS$16.6b13.9x13.7x0.9x
Mon, 23 Feb 2026US$240.9bUS$261.2bUS$17.4b15.3x13.8x0.9x
Wed, 21 Jan 2026US$241.4bUS$255.6bUS$19.7b12.6x12.2x0.9x
Fri, 19 Dec 2025US$253.3bUS$255.6bUS$19.7b13.1x12.9x1x
Sun, 16 Nov 2025US$245.8bUS$255.6bUS$19.7b12.4x12.5x1x
Tue, 14 Oct 2025US$242.2bUS$254.5bUS$15.7b13.2x15.5x1x
Thu, 11 Sep 2025US$249.4bUS$254.5bUS$15.7b13.7x15.9x1x
Sat, 09 Aug 2025US$236.7bUS$254.5bUS$15.7b13.3x15.1x0.9x
Mon, 07 Jul 2025US$246.7bUS$257.6bUS$18.1b12.6x13.6x1x
Wed, 04 Jun 2025US$225.4bUS$243.3bUS$17.6b12.4x12.8x0.9x
Fri, 02 May 2025US$225.0bUS$238.8bUS$19.3b12.1x11.7x0.9x
Sun, 30 Mar 2025US$237.3bUS$250.3bUS$22.4b11.4x10.6x0.9x
Tue, 25 Feb 2025US$228.3bUS$248.7bUS$22.5b10.5x10.2x0.9x
Thu, 23 Jan 2025US$240.7bUS$242.9bUS$14.3b14.4x16.9x1x
Sat, 21 Dec 2024US$224.9bUS$242.9bUS$14.3b13.5x15.8x0.9x
Mon, 18 Nov 2024US$243.8bUS$242.9bUS$14.3b14.6x17.1x1x
Wed, 16 Oct 2024US$246.9bUS$229.8bUS$16.6b13.8x14.9x1.1x
Fri, 13 Sep 2024US$229.6bUS$229.8bUS$16.6b12.9x13.8x1x
Sun, 11 Aug 2024US$218.4bUS$229.8bUS$16.6b12.1x13.1x1x
Tue, 09 Jul 2024US$214.7bUS$225.3bUS$14.8b10.5x14.5x1x
Thu, 06 Jun 2024US$212.5bUS$225.4bUS$14.8b10.4x14.3x0.9x
Sat, 04 May 2024US$207.1bUS$222.9bUS$13.5b13.2x15.3x0.9x
Mon, 01 Apr 2024US$225.8bUS$216.9bUS$10.3b15.3x22x1x
Wed, 28 Feb 2024US$212.1bUS$216.4bUS$10.1b15.3x21.1x1x
Fri, 26 Jan 2024US$262.0bUS$213.6bUS$2.7b13.6x96.8x1.2x
Sun, 24 Dec 2023US$254.9bUS$216.4bUS$1.6b13.4x156.5x1.2x
Tue, 21 Nov 2023US$245.1bUS$216.4bUS$1.6b12.7x151.3x1.1x
Thu, 19 Oct 2023US$245.6bUS$238.9bUS$1.0b12.9x240.3x1x
Sat, 16 Sep 2023US$244.0bUS$238.9bUS$1.0b13.1x238.6x1x
Mon, 14 Aug 2023US$246.1bUS$238.9bUS$1.0b13.4x241.8x1x
Price to Earnings Ratio

241.8x


Total Market Cap: US$246.1bTotal Earnings: US$1.0bTotal Revenue: US$238.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Life and Health Insurance Industry Price to Earnings3Y Average 40.8x202420252026
Current Industry PE
  • Investors are pessimistic on the American 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 14.2x which is lower than its 3-year average PE of 40.8x.
  • The industry is trading close to its 3-year average PS ratio of 0.99x.
Past Earnings Growth
  • The earnings for companies in the Life and Health Insurance industry have grown 168% per year over the last three years.
  • Revenues for these companies have grown 3.6% 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.S. Life and Health Insurance compare with similar industries?

US Market5.51%
Financials2.46%
Insurance-2.07%
Life and Health Insurance0.10%
General Insurance-0.24%
Property and Casualty Insurance-2.44%
Insurance Brokers-2.87%
Reinsurance-3.16%
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
MET MetLifeUS$99.953.0%
+US$1.9b		35.4%PE18.7x
BNT Brookfield Wealth SolutionsUS$44.674.5%
+US$638.7m		3.3%PE30.8x
UNM Unum GroupUS$89.813.5%
+US$481.3m		31.0%PE20.2x
PFG Principal Financial GroupUS$115.411.3%
+US$312.6m		52.7%PE15.9x
CNO CNO Financial GroupUS$55.483.7%
+US$184.5m		54.4%PE18.4x

Latest News

OSCR
US$26.54
Oscar Health
7D
-15.0%
1Y
75.1%
MET
US$99.95
MetLife
7D
3.0%
1Y
35.4%
FG
US$29.18
F&G Annuities & Life
7D
0.2%
1Y
-14.5%
PRI
US$326.41
Primerica
7D
1.0%
1Y
27.8%
PRU
US$121.50
Prudential Financial
7D
-1.0%
1Y
20.7%
CNO
US$55.48
CNO Financial Group
7D
3.7%
1Y
54.4%
Narrative Update • Aug 05

CNO: Raised Guidance And Buybacks Will Support A Balanced Outlook

Analysts have modestly raised their price target on CNO Financial Group from $51.75 to $53.50, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E multiples. What’s in the News for CNO Financial Group CNO Financial Group reported strong Q2 2026 results, with operating earnings per share up 45% and full year 2026 operating EPS guidance raised 8% at the midpoint.
PFG
US$115.41
Principal Financial Group
7D
1.3%
1Y
52.7%
Narrative Update • Aug 04

PFG: Earnings Momentum And Capital Returns Will Support Measured Margin Expansion

Analysts have nudged the fair value estimate for Principal Financial Group higher to about $107.33 from $101.50, citing a series of raised price targets that reflect firmer profit margin assumptions, modestly lower revenue growth expectations, and slightly reduced future P/E multiples across recent research updates. Analyst Commentary Recent research on Principal Financial Group shows a mix of optimism and caution around growth, margins, and valuation.
UNM
US$89.81
Unum Group
7D
3.5%
1Y
31.0%
LNC
US$46.67
Lincoln National
7D
1.4%
1Y
22.0%
Seeking Alpha • Aug 01

Lincoln National's Reinsurance Deal Unlocks Further Upside

Summary Lincoln National executed a transformative $5.8B reinsurance deal, improving capital efficiency and freeing up resources for higher-return products. Q2 results were strong: EPS of $2.24 beat by $0.28, revenue grew 12%, and operating income rose for the 8th consecutive quarter. LNC’s capital actions, including preferred stock redemption and a secure 3.9% dividend, position it for resumed share repurchases and enhanced free cash flow. With a raised $50 price target and ongoing 'buy' rating, I see low-teens total return potential over the next year. Read the full article on Seeking Alpha
BHF
US$62.13
Brighthouse Financial
7D
-2.1%
1Y
34.9%
GL
US$186.02
Globe Life
7D
1.7%
1Y
32.4%
Narrative Update • Jul 28

GL: Earnings Miss Share Repurchases And Guidance Will Shape Future Returns

Analysts have raised their price target for Globe Life from $172.10 to approximately $190.09, reflecting updated models that incorporate a slightly higher discount rate, modestly different expectations for revenue growth and profit margins, and a higher assumed future P/E multiple. What’s in the News for Globe Life Globe Life shares fell 7.2% after reporting Q2 2026 net operating income of $3.61 per diluted share, which missed the $3.79 consensus estimate by 4.7%.
AFL
US$126.66
Aflac
7D
-0.5%
1Y
23.8%
Narrative Update • Jul 25

AFL: Future Returns Will Reflect Supportive Macro Conditions And Execution Risk Balancing

Aflac's fair value estimate has been raised from about $114.86 to $117.71 as analysts incorporate higher sector price targets, modestly higher assumed future P/E multiples, and a slightly stronger profit margin outlook supported by a more supportive macro backdrop and reduced private credit concerns across life insurers. Analyst Commentary Recent Street research on Aflac reflects a wide range of views on valuation and execution, even as most firms have adjusted their price targets upward in the run up to Q2 earnings.
BNT
US$44.67
Brookfield Wealth Solutions
7D
4.5%
1Y
3.3%
GNW
US$9.71
Genworth Financial
7D
-2.5%
1Y
19.1%
CIA
US$4.57
Citizens
7D
-6.0%
1Y
6.5%
Analysis Article • May 11

Citizens, Inc. Just Missed Earnings - But Analysts Have Updated Their Models

Citizens, Inc. ( NYSE:CIA ) missed earnings with its latest first-quarter results, disappointing overly-optimistic...