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U.S. Life and Health Insurance Industry Analysis

UpdatedAug 25, 2026
DataAggregated Company Financials
Companies21
  • 7D-1.8%
  • 3M9.1%
  • 1Y16.5%
  • YTDn/a

Over the last 7 days, the Life and Health Insurance industry has dropped 1.8%, driven by a pullback from Aflac of 2.3%. In the past year, the industry has gained 16%. Earnings are forecast to grow by 7.9% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 25 Aug 2026US$268.1bUS$273.7bUS$21.1b15.8x12.7x1x
Thu, 23 Jul 2026US$274.6bUS$264.8bUS$18.7b13.9x14.7x1x
Sat, 20 Jun 2026US$257.7bUS$264.8bUS$18.7b15.2x13.8x1x
Mon, 18 May 2026US$251.2bUS$264.8bUS$18.7b13.9x13.4x0.9x
Wed, 15 Apr 2026US$240.0bUS$260.4bUS$16.6b15.3x14.4x0.9x
Fri, 13 Mar 2026US$227.7bUS$260.6bUS$16.7b14.1x13.7x0.9x
Sun, 08 Feb 2026US$241.9bUS$258.4bUS$19.4b12.9x12.4x0.9x
Tue, 06 Jan 2026US$256.2bUS$255.6bUS$19.7b13.1x13x1x
Thu, 04 Dec 2025US$242.8bUS$255.6bUS$19.7b12.4x12.3x0.9x
Sat, 01 Nov 2025US$242.7bUS$253.8bUS$18.1b12.7x13.4x1x
Mon, 29 Sep 2025US$255.6bUS$254.5bUS$15.7b13.4x16.3x1x
Wed, 27 Aug 2025US$250.1bUS$254.5bUS$15.7b13.8x16x1x
Fri, 25 Jul 2025US$245.5bUS$257.6bUS$18.1b12.1x13.5x1x
Sun, 22 Jun 2025US$225.1bUS$243.3bUS$17.6b12.3x12.8x0.9x
Tue, 20 May 2025US$233.2bUS$243.3bUS$17.6b12.6x13.3x1x
Thu, 17 Apr 2025US$221.8bUS$250.3bUS$22.4b10.2x9.9x0.9x
Sat, 15 Mar 2025US$229.5bUS$250.3bUS$22.4b11x10.2x0.9x
Mon, 10 Feb 2025US$235.0bUS$244.6bUS$20.0b11.9x11.7x1x
Wed, 08 Jan 2025US$230.2bUS$242.9bUS$14.3b13.6x16.2x0.9x
Fri, 06 Dec 2024US$242.8bUS$242.9bUS$14.3b14.6x17x1x
Sun, 03 Nov 2024US$230.3bUS$240.3bUS$14.5b15.3x15.8x1x
Tue, 01 Oct 2024US$238.1bUS$229.8bUS$16.6b13.4x14.3x1x
Thu, 29 Aug 2024US$232.4bUS$229.8bUS$16.6b12.9x14x1x
Sat, 27 Jul 2024US$227.0bUS$223.6bUS$14.7b10.1x15.4x1x
Mon, 24 Jun 2024US$219.2bUS$225.4bUS$14.8b10.5x14.8x1x
Wed, 22 May 2024US$216.7bUS$225.4bUS$14.8b10.4x14.6x1x
Fri, 19 Apr 2024US$206.3bUS$216.9bUS$10.3b15.9x20.1x1x
Sun, 17 Mar 2024US$218.9bUS$216.9bUS$10.3b15x21.3x1x
Tue, 13 Feb 2024US$213.4bUS$209.7bUS$8.1b12.2x26.4x1x
Thu, 11 Jan 2024US$255.8bUS$213.6bUS$2.7b13.4x94.5x1.2x
Sat, 09 Dec 2023US$249.4bUS$216.4bUS$1.6b13.2x153.1x1.2x
Mon, 06 Nov 2023US$242.9bUS$216.0bUS$1.7b11.1x141.1x1.1x
Wed, 04 Oct 2023US$240.5bUS$238.9bUS$1.0b12.3x235.3x1x
Fri, 01 Sep 2023US$242.8bUS$238.9bUS$1.0b13.2x237.5x1x
Price to Earnings Ratio

237.5x


Total Market Cap: US$242.8bTotal 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 37.4x202420252026
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 12.7x which is lower than its 3-year average PE of 37.4x.
  • 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 174% per year over the last three years.
  • Revenues for these companies have grown 4.6% 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 Market-1.55%
Financials0.80%
Insurance2.51%
Life and Health Insurance-1.85%
Insurance Brokers5.90%
Property and Casualty Insurance2.74%
Reinsurance1.88%
General Insurance-0.31%
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
OSCR Oscar HealthUS$31.810.8%
+US$80.2m		90.4%PE17.8x
CIA CitizensUS$3.943.1%
+US$6.1m		-25.5%PE17.2x

Latest News

LNC
US$42.38
Lincoln National
7D
-5.1%
1Y
1.1%
MET
US$96.21
MetLife
7D
-0.5%
1Y
19.0%
Narrative Update • Aug 22

MET: Buybacks And New Liquidity Features Will Shape A Balanced Forward Risk Profile

Analysts have raised their price target for MetLife to $104.38 from $100.44, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E that collectively support a higher valuation framework. What’s in the News for MetLife MetLife announced a share repurchase program authorizing up to US$3.0b of common stock buybacks.
OSCR
US$31.81
Oscar Health
7D
0.8%
1Y
90.4%
Narrative Update • Aug 22

OSCR: Policy And Utilization Risks Will Test Future Margin Improvement Targets

Analysts have lifted the fair value estimate for Oscar Health stock from $13.00 to $25.00, citing higher Street price targets following a strong Q2, improved operating leverage, and favorable risk adjustment trends, while still flagging some uncertainty around future medical loss ratio goals and longer term policy risks. Analyst Commentary Street research on Oscar Health reflects a mix of optimism on execution in recent quarters and lingering caution on medical cost trends, policy uncertainty, and how much upside is already reflected in the stock price.
PRI
US$299.98
Primerica
7D
-3.2%
1Y
12.5%
Narrative Update • Aug 21

PRI: Buybacks And Stable Cash Flows Will Support Measured Future Returns

Analysts have raised their Primerica price target to $328.67 from $317.83, citing updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E as support for the revision. What’s in the News for Primerica Primerica reported Q2 2026 revenue of about US$865.1 million, which the company said was in line with Wall Street expectations.
FG
US$23.12
F&G Annuities & Life
7D
-12.8%
1Y
-32.9%
PRU
US$122.67
Prudential Financial
7D
-1.5%
1Y
12.4%
Narrative Update • Aug 20

PRU: Higher Earnings Hopes Will Sustain Overvaluation Risk Despite Japan Conduct Issues

Analysts have increased their fair value estimate for Prudential Financial to about $111 from roughly $107, reflecting a series of higher Street price targets that cite stronger sector valuations, slightly improved long-term earnings expectations, and company-specific cost savings. Analyst Commentary Recent research on Prudential Financial shows a cluster of higher price targets, but also a split in how comfortable analysts feel about execution and risk.
CIA
US$3.94
Citizens
7D
3.1%
1Y
-25.5%
GL
US$173.13
Globe Life
7D
-3.5%
1Y
24.2%
Narrative Update • Aug 11

GL: Future Buybacks And Earnings Guidance Will Support Share Price Upside

Analysts have nudged their price target on Globe Life from $215.00 to about $224.75. This reflects updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E that modestly adjust the risk and earnings profile in their models.
AFL
US$118.20
Aflac
7D
-2.3%
1Y
10.1%
UNM
US$89.49
Unum Group
7D
-2.2%
1Y
29.4%