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U.S. Life and Health Insurance Industry Analysis

UpdatedAug 09, 2026
DataAggregated Company Financials
Companies21
  • 7D-0.2%
  • 3M15.2%
  • 1Y24.7%
  • YTDn/a

Last week, the Life and Health Insurance industry hasn't moved much but Unum Group is up 5.2% in that time. The past year has been better, since the industry has gained 25% in that time. Earnings are forecast to grow by 6.3% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 09 Aug 2026US$277.9bUS$272.5bUS$21.4b15.6x13x1x
Tue, 07 Jul 2026US$268.6bUS$264.8bUS$18.7b15.6x14.4x1x
Thu, 04 Jun 2026US$246.2bUS$264.8bUS$18.7b13.6x13.2x0.9x
Sat, 02 May 2026US$248.0bUS$261.5bUS$18.1b14.7x13.7x0.9x
Mon, 30 Mar 2026US$222.4bUS$260.6bUS$16.6b13.9x13.4x0.9x
Wed, 25 Feb 2026US$237.8bUS$260.4bUS$16.6b15.4x14.3x0.9x
Fri, 23 Jan 2026US$239.9bUS$255.6bUS$19.7b13x12.2x0.9x
Sun, 21 Dec 2025US$252.7bUS$255.6bUS$19.7b13.1x12.8x1x
Tue, 18 Nov 2025US$245.1bUS$255.6bUS$19.7b11.9x12.4x1x
Thu, 16 Oct 2025US$249.9bUS$254.5bUS$15.7b13.3x16x1x
Sat, 13 Sep 2025US$253.8bUS$254.5bUS$15.7b13.8x16.2x1x
Mon, 11 Aug 2025US$240.3bUS$254.5bUS$15.7b13.3x15.3x0.9x
Wed, 09 Jul 2025US$245.3bUS$257.6bUS$18.1b12.4x13.5x1x
Fri, 06 Jun 2025US$224.2bUS$243.3bUS$17.6b12.3x12.7x0.9x
Sun, 04 May 2025US$226.6bUS$240.1bUS$19.3b12.4x11.7x0.9x
Tue, 01 Apr 2025US$237.3bUS$250.3bUS$22.4b11.5x10.6x0.9x
Thu, 27 Feb 2025US$233.3bUS$248.7bUS$22.5b10.7x10.4x0.9x
Sat, 25 Jan 2025US$238.2bUS$242.9bUS$14.3b14.3x16.7x1x
Mon, 23 Dec 2024US$229.0bUS$242.9bUS$14.3b13.5x16.1x0.9x
Wed, 20 Nov 2024US$245.1bUS$242.9bUS$14.3b14.5x17.2x1x
Fri, 18 Oct 2024US$248.0bUS$229.8bUS$16.6b14.1x14.9x1.1x
Sun, 15 Sep 2024US$233.7bUS$229.8bUS$16.6b12.9x14.1x1x
Tue, 13 Aug 2024US$218.4bUS$229.8bUS$16.6b12x13.1x1x
Thu, 11 Jul 2024US$214.3bUS$222.7bUS$14.7b9.6x14.6x1x
Sat, 08 Jun 2024US$212.1bUS$225.4bUS$14.8b10.5x14.3x0.9x
Mon, 06 May 2024US$207.1bUS$223.8bUS$14.2b13.2x14.6x0.9x
Wed, 03 Apr 2024US$224.2bUS$216.9bUS$10.3b17x21.9x1x
Fri, 01 Mar 2024US$213.5bUS$216.4bUS$10.1b15.4x21.2x1x
Sun, 28 Jan 2024US$264.5bUS$213.6bUS$2.7b13.7x97.7x1.2x
Tue, 26 Dec 2023US$254.9bUS$216.4bUS$1.6b13.4x156.5x1.2x
Thu, 23 Nov 2023US$244.1bUS$216.4bUS$1.6b12.8x150.7x1.1x
Sat, 21 Oct 2023US$237.3bUS$238.9bUS$1.0b12.4x232.1x1x
Mon, 18 Sep 2023US$247.0bUS$238.9bUS$1.0b13.1x241.6x1x
Wed, 16 Aug 2023US$242.5bUS$238.9bUS$1.0b13.2x237.2x1x
Price to Earnings Ratio

237.2x


Total Market Cap: US$242.5bTotal 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 40.7x202420252026
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 13.2x which is lower than its 3-year average PE of 40.7x.
  • 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 176% per year over the last three years.
  • Revenues for these companies have grown 4.3% 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 Market4.18%
Financials1.27%
Insurance0.67%
Life and Health Insurance-0.22%
Reinsurance1.33%
Insurance Brokers1.04%
Property and Casualty Insurance0.80%
General Insurance0.20%
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
UNM Unum GroupUS$90.565.2%
+US$704.5m		30.5%PE20.4x
BNT Brookfield Wealth SolutionsUS$44.563.2%
+US$455.7m		3.3%PE30.7x
MET MetLifeUS$97.771.7%
+US$277.0m		28.2%PE18.1x
LNC Lincoln NationalUS$46.030.9%
+US$80.4m		20.6%PE3.9x

Latest News

AFL
US$124.61
Aflac
7D
-2.3%
1Y
20.4%
Seeking Alpha • 3h

Aflac: Reliable Dividend Compounder, Premium Justified, But Meaningful Upside Unlikely

Summary Aflac remains a quality dividend compounder, but its premium valuation suggests potential near-term underperformance. Recent earnings showed slowing growth, with revenue and EPS both declining year-over-year, primarily due to headwinds in Japan. AFL continues to deliver strong shareholder returns through dividends and aggressive share repurchases, supported by a robust balance sheet and low leverage. I maintain a Hold rating, citing valuation concerns and recommend waiting for a broader market pullback before adding or initiating a position. Read the full article on Seeking Alpha
FG
US$27.67
F&G Annuities & Life
7D
-3.2%
1Y
-18.6%
PRU
US$121.28
Prudential Financial
7D
-0.7%
1Y
17.4%
PRI
US$321.38
Primerica
7D
0.4%
1Y
24.6%
MET
US$97.77
MetLife
7D
1.7%
1Y
28.2%
Narrative Update • Aug 08

MET: Buybacks And Settlement Features Will Shape A Measured Future Risk Reward Balance

Analysts have lifted their price target on MetLife to $100.44 from $97.75, citing updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E. These changes collectively support a slightly higher valuation framework.
OSCR
US$27.90
Oscar Health
7D
-10.6%
1Y
80.5%
Narrative Update • Aug 08

OSCR: ACA Pricing And Risk Adjustment Tailwinds Will Drive Margin Recovery

The analyst fair value estimate for Oscar Health has increased from $34.47 to $39.00 as analysts respond to a series of higher price targets and argue that recent earnings-related weakness and industry concerns are more limited than headlines suggest. Analyst Commentary Recent research on Oscar Health points to a more constructive tone following the latest earnings and pricing updates.
BHF
US$60.80
Brighthouse Financial
7D
-1.8%
1Y
36.6%
LNC
US$46.03
Lincoln National
7D
0.9%
1Y
20.6%
Narrative Update • Aug 06

LNC: Reinsurance Cash Releases And Buybacks Will Support Future Repricing

Lincoln National's analyst fair value estimate has been revised from $57.00 to about $59.74, as analysts factor in a series of recent price target increases across the life insurance peer group, supported by improved sector valuations, expectations around capital redeployment, and updated earnings and cash flow assumptions. Analyst Commentary Recent research on Lincoln National points to a more constructive tone, with several bullish analysts lifting price targets and, in some cases, upgrading their views on the stock.
PFG
US$113.40
Principal Financial Group
7D
-0.3%
1Y
48.1%
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$90.56
Unum Group
7D
5.2%
1Y
30.5%
BNT
US$44.56
Brookfield Wealth Solutions
7D
3.2%
1Y
3.3%
GNW
US$9.69
Genworth Financial
7D
-1.4%
1Y
16.6%