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U.S. Life and Health Insurance Industry Analysis

UpdatedAug 08, 2026
DataAggregated Company Financials
Companies21
  • 7D-0.2%
  • 3M15.7%
  • 1Y24.7%
  • YTDn/a

The Life and Health Insurance is pretty flat in the last 7 days, but Unum Group has stood out, gaining 5.2%. As for the the longer term, the industry is up 28% over the past 12 months. As for the next few years, earnings are expected to grow by 8.0% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 08 Aug 2026US$281.9bUS$270.8bUS$21.4b15.6x13.2x1x
Mon, 06 Jul 2026US$268.6bUS$264.8bUS$18.7b15.3x14.4x1x
Wed, 03 Jun 2026US$244.4bUS$264.8bUS$18.7b14.3x13.1x0.9x
Fri, 01 May 2026US$247.4bUS$260.6bUS$17.1b15.5x14.5x0.9x
Sun, 29 Mar 2026US$222.4bUS$260.6bUS$16.6b13.9x13.4x0.9x
Tue, 24 Feb 2026US$240.8bUS$261.5bUS$17.2b14.5x14x0.9x
Thu, 22 Jan 2026US$237.7bUS$255.6bUS$19.7b12.8x12.1x0.9x
Sat, 20 Dec 2025US$253.0bUS$255.6bUS$19.7b13.1x12.8x1x
Mon, 17 Nov 2025US$245.8bUS$255.6bUS$19.7b12.4x12.5x1x
Wed, 15 Oct 2025US$245.2bUS$254.5bUS$15.7b13.5x15.7x1x
Fri, 12 Sep 2025US$249.9bUS$254.5bUS$15.7b13.8x16x1x
Sun, 10 Aug 2025US$240.3bUS$254.5bUS$15.7b13.3x15.3x0.9x
Tue, 08 Jul 2025US$249.3bUS$257.6bUS$18.1b12.3x13.7x1x
Thu, 05 Jun 2025US$226.6bUS$243.3bUS$17.6b12.3x12.9x0.9x
Sat, 03 May 2025US$221.5bUS$241.4bUS$19.4b12.2x11.4x0.9x
Mon, 31 Mar 2025US$237.3bUS$250.3bUS$22.4b11.4x10.6x0.9x
Wed, 26 Feb 2025US$230.4bUS$248.7bUS$22.5b10.4x10.3x0.9x
Fri, 24 Jan 2025US$237.5bUS$242.9bUS$14.3b14.4x16.7x1x
Sun, 22 Dec 2024US$229.0bUS$242.9bUS$14.3b13.5x16.1x0.9x
Tue, 19 Nov 2024US$243.8bUS$242.9bUS$14.3b14.6x17.1x1x
Thu, 17 Oct 2024US$247.5bUS$229.8bUS$16.6b13.9x14.9x1.1x
Sat, 14 Sep 2024US$232.0bUS$229.8bUS$16.6b12.9x14x1x
Mon, 12 Aug 2024US$218.4bUS$229.8bUS$16.6b12.1x13.1x1x
Wed, 10 Jul 2024US$214.3bUS$225.3bUS$14.8b10.6x14.4x1x
Fri, 07 Jun 2024US$213.1bUS$225.4bUS$14.8b10.4x14.4x0.9x
Sun, 05 May 2024US$207.3bUS$223.8bUS$14.2b13.2x14.6x0.9x
Tue, 02 Apr 2024US$225.8bUS$216.9bUS$10.3b15.2x22x1x
Thu, 29 Feb 2024US$213.3bUS$216.4bUS$10.1b15.3x21.2x1x
Sat, 27 Jan 2024US$263.5bUS$213.6bUS$2.7b13.7x97.4x1.2x
Mon, 25 Dec 2023US$254.9bUS$216.4bUS$1.6b13.4x156.5x1.2x
Wed, 22 Nov 2023US$245.1bUS$216.4bUS$1.6b12.7x151.3x1.1x
Fri, 20 Oct 2023US$242.5bUS$238.9bUS$1.0b12.8x237.2x1x
Sun, 17 Sep 2023US$247.0bUS$238.9bUS$1.0b13.1x241.6x1x
Tue, 15 Aug 2023US$246.0bUS$238.9bUS$1.0b13.4x241.6x1x
Price to Earnings Ratio

241.6x


Total Market Cap: US$246.0bTotal 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 14.2x 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 168% per year over the last three years.
  • Revenues for these companies have grown 3.7% 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 Market4.05%
Financials1.24%
Insurance0.66%
Life and Health Insurance-0.23%
Reinsurance1.29%
Insurance Brokers1.00%
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
PRI PrimericaUS$321.380.4%
+US$44.3m		24.6%PE12.6x

Latest News

FG
US$27.67
F&G Annuities & Life
7D
-3.2%
1Y
-18.6%
Seeking Alpha • 1h

F&G Annuities & Life: Weak Alternative Returns Limit Q2 Profits

Summary F&G Annuities & Life remains a 'strong buy' due to its significant discount to book value despite recent underperformance and credit concerns. FG is shifting toward fee-based revenue and increasing reinsurance to improve ROE, targeting 25% fee-based earnings by 2028. The investment portfolio is 97% investment grade, with manageable private credit risk and a conservative insurance book. Potential Peak Altitude unit sales and continued buybacks could catalyze a re-rating as credit performance remains solid. Read the full article on Seeking Alpha
CIA
US$3.80
Citizens
7D
-19.7%
1Y
-17.0%
BHF
US$60.80
Brighthouse Financial
7D
-1.8%
1Y
36.6%
AFL
US$124.61
Aflac
7D
-2.3%
1Y
20.4%
OSCR
US$27.90
Oscar Health
7D
-10.6%
1Y
80.5%
PRI
US$321.38
Primerica
7D
0.4%
1Y
24.6%
MET
US$97.77
MetLife
7D
1.7%
1Y
28.2%
PRU
US$121.28
Prudential Financial
7D
-0.7%
1Y
17.4%
Narrative Update • Aug 06

PRU: Fading Private Credit Fears Will Sustain Overvaluation Risk In Annuity Exposure

Prudential Financial's updated analyst price target has moved higher by about $3 to $106.93. This reflects analysts' use of a slightly lower discount rate, tempered expectations for revenue growth and margins, and a modestly higher assumed future P/E multiple in light of recent sector valuation shifts and a more supportive macro backdrop.
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%