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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

Over the last 7 days, the Life and Health Insurance industry has remained flat, although notably Lincoln National gained 13%. As for the the longer term, the industry is up 27% over the past 12 months. Earnings are forecast to grow by 9.4% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 06 Aug 2026US$281.9bUS$266.0bUS$19.8b14.7x14.2x1.1x
Sat, 04 Jul 2026US$268.6bUS$264.8bUS$18.7b15.3x14.4x1x
Mon, 01 Jun 2026US$245.6bUS$264.8bUS$18.7b14.2x13.1x0.9x
Wed, 29 Apr 2026US$245.7bUS$260.3bUS$17.0b15.7x14.4x0.9x
Fri, 27 Mar 2026US$227.5bUS$260.6bUS$16.6b14.4x13.7x0.9x
Sun, 22 Feb 2026US$240.9bUS$261.2bUS$17.4b15.3x13.8x0.9x
Tue, 20 Jan 2026US$241.4bUS$255.6bUS$19.7b12.7x12.2x0.9x
Thu, 18 Dec 2025US$253.8bUS$255.6bUS$19.7b13x12.9x1x
Sat, 15 Nov 2025US$247.0bUS$255.7bUS$19.2b13.4x12.9x1x
Mon, 13 Oct 2025US$242.2bUS$254.5bUS$15.7b13.1x15.5x1x
Wed, 10 Sep 2025US$249.4bUS$254.5bUS$15.7b13.9x15.9x1x
Fri, 08 Aug 2025US$241.6bUS$254.7bUS$15.6b12.1x15.5x0.9x
Sun, 06 Jul 2025US$246.7bUS$257.6bUS$18.1b12.6x13.6x1x
Tue, 03 Jun 2025US$225.1bUS$243.3bUS$17.6b12.3x12.8x0.9x
Thu, 01 May 2025US$228.0bUS$249.7bUS$21.6b11.9x10.5x0.9x
Sat, 29 Mar 2025US$243.7bUS$250.3bUS$22.4b11.4x10.9x1x
Mon, 24 Feb 2025US$228.3bUS$249.2bUS$22.5b10.3x10.2x0.9x
Wed, 22 Jan 2025US$239.7bUS$242.9bUS$14.3b14.5x16.8x1x
Fri, 20 Dec 2024US$222.8bUS$242.9bUS$14.3b13.2x15.6x0.9x
Sun, 17 Nov 2024US$243.8bUS$242.9bUS$14.3b14.6x17.1x1x
Tue, 15 Oct 2024US$244.9bUS$229.8bUS$16.6b13.7x14.7x1.1x
Thu, 12 Sep 2024US$229.3bUS$229.8bUS$16.6b12.8x13.8x1x
Sat, 10 Aug 2024US$217.5bUS$229.8bUS$16.6b12.1x13.1x0.9x
Mon, 08 Jul 2024US$214.7bUS$225.3bUS$14.8b10.6x14.5x1x
Wed, 05 Jun 2024US$215.6bUS$225.4bUS$14.8b10.4x14.5x1x
Fri, 03 May 2024US$213.3bUS$226.4bUS$14.4b13.9x14.8x0.9x
Sun, 31 Mar 2024US$225.8bUS$216.9bUS$10.3b15.3x22x1x
Tue, 27 Feb 2024US$212.1bUS$216.4bUS$10.1b15.3x21.1x1x
Thu, 25 Jan 2024US$261.1bUS$213.6bUS$2.7b13.5x96.5x1.2x
Sat, 23 Dec 2023US$254.9bUS$216.4bUS$1.6b13.4x156.5x1.2x
Mon, 20 Nov 2023US$245.1bUS$216.4bUS$1.6b12.7x151.3x1.1x
Wed, 18 Oct 2023US$248.5bUS$238.9bUS$1.0b13.1x243.1x1x
Fri, 15 Sep 2023US$244.0bUS$238.9bUS$1.0b13.1x238.6x1x
Sun, 13 Aug 2023US$246.1bUS$238.9bUS$1.0b11.8x238.9x1x
Price to Earnings Ratio

238.9x


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 14.6x 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 166% 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
LNC Lincoln NationalUS$46.9113.2%
+US$1.1b		18.9%PE4x
UNM Unum GroupUS$89.086.5%
+US$862.8m		26.4%PE20.1x
BNT Brookfield Wealth SolutionsUS$45.125.5%
+US$778.4m		0.2%PE31.1x
PFG Principal Financial GroupUS$114.851.5%
+US$357.6m		49.5%PE15.8x
GL Globe LifeUS$183.862.3%
+US$324.6m		30.2%PE11.8x

Latest News

OSCR
US$30.11
Oscar Health
7D
-1.5%
1Y
110.0%
MET
US$96.26
MetLife
7D
-0.8%
1Y
26.7%
PRI
US$320.59
Primerica
7D
-0.9%
1Y
20.0%
CNO
US$55.68
CNO Financial Group
7D
5.2%
1Y
51.0%
PRU
US$120.16
Prudential Financial
7D
-2.0%
1Y
15.4%
PFG
US$114.85
Principal Financial Group
7D
1.5%
1Y
49.5%
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$89.08
Unum Group
7D
6.5%
1Y
26.4%
LNC
US$46.91
Lincoln National
7D
13.2%
1Y
18.9%
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$61.86
Brighthouse Financial
7D
-1.7%
1Y
30.3%
GL
US$183.86
Globe Life
7D
2.3%
1Y
30.2%
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$125.56
Aflac
7D
-2.4%
1Y
22.7%
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$45.12
Brookfield Wealth Solutions
7D
5.5%
1Y
0.2%
GNW
US$9.69
Genworth Financial
7D
-3.9%
1Y
18.0%
FG
US$29.65
F&G Annuities & Life
7D
0.5%
1Y
-10.6%
CIA
US$4.65
Citizens
7D
-5.1%
1Y
11.0%
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...