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U.S. Life and Health Insurance Industry Analysis

UpdatedDec 15, 2025
DataAggregated Company Financials
Companies23
  • 7D2.8%
  • 3M3.6%
  • 1Y4.9%
  • YTDn/a

In the last week, the Life and Health Insurance industry is up 2.8%, with MetLife up 5.2%. This takes the industry's 12 month performance to a gain of 4.9%. Looking forward, earnings are forecast to grow by 12% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Mon, 15 Dec 2025US$253.9bUS$255.6bUS$19.7b12.8x12.9x1x
Wed, 12 Nov 2025US$245.1bUS$255.7bUS$19.2b13.4x12.8x1x
Fri, 10 Oct 2025US$254.3bUS$254.5bUS$15.7b13.4x16.2x1x
Sun, 07 Sep 2025US$253.8bUS$254.5bUS$15.7b13.9x16.2x1x
Tue, 05 Aug 2025US$234.7bUS$255.6bUS$17.2b12.1x13.6x0.9x
Thu, 03 Jul 2025US$248.4bUS$257.6bUS$18.1b12.5x13.7x1x
Sat, 31 May 2025US$226.0bUS$243.3bUS$17.6b12.3x12.8x0.9x
Mon, 28 Apr 2025US$225.3bUS$250.3bUS$22.4b10.7x10.1x0.9x
Wed, 26 Mar 2025US$243.7bUS$250.3bUS$22.4b11.5x10.9x1x
Fri, 21 Feb 2025US$235.1bUS$249.3bUS$21.8b11.2x10.8x0.9x
Sun, 19 Jan 2025US$239.7bUS$242.9bUS$14.3b14.4x16.8x1x
Tue, 17 Dec 2024US$233.8bUS$242.9bUS$14.3b14x16.4x1x
Thu, 14 Nov 2024US$242.0bUS$242.9bUS$14.2b14.6x17x1x
Sat, 12 Oct 2024US$240.7bUS$229.8bUS$16.6b13.7x14.5x1x
Mon, 09 Sep 2024US$228.8bUS$229.8bUS$16.6b12.7x13.8x1x
Wed, 07 Aug 2024US$211.4bUS$227.8bUS$16.5b10.1x12.8x0.9x
Fri, 05 Jul 2024US$216.6bUS$225.3bUS$14.8b10.6x14.6x1x
Sun, 02 Jun 2024US$217.5bUS$225.4bUS$14.8b10.5x14.7x1x
Tue, 30 Apr 2024US$210.6bUS$218.2bUS$11.0b14.6x19.2x1x
Thu, 28 Mar 2024US$225.3bUS$216.9bUS$10.3b15.5x21.9x1x
Sat, 24 Feb 2024US$214.0bUS$216.4bUS$10.1b15.5x21.3x1x
Mon, 22 Jan 2024US$259.3bUS$213.6bUS$2.7b13.4x95.8x1.2x
Wed, 20 Dec 2023US$256.2bUS$216.4bUS$1.6b13.6x157.3x1.2x
Fri, 17 Nov 2023US$242.8bUS$216.4bUS$1.6b12.6x149.7x1.1x
Sun, 15 Oct 2023US$243.0bUS$238.9bUS$1.0b12.8x237.7x1x
Tue, 12 Sep 2023US$242.4bUS$238.9bUS$1.0b12.9x237.1x1x
Thu, 10 Aug 2023US$244.7bUS$238.7bUS$978.7m11.8x250x1x
Sat, 08 Jul 2023US$235.5bUS$240.0bUS$5.5b12.4x42.9x1x
Mon, 05 Jun 2023US$221.4bUS$240.0bUS$5.5b12.4x40.3x0.9x
Wed, 03 May 2023US$226.3bUS$235.1bUS$10.8b9.3x20.9x1x
Fri, 31 Mar 2023US$223.6bUS$236.5bUS$11.3b8.5x19.7x0.9x
Sun, 26 Feb 2023US$256.3bUS$240.0bUS$10.6b7.1x24.3x1.1x
Tue, 24 Jan 2023US$255.8bUS$252.2bUS$14.9b6.2x17.2x1x
Thu, 22 Dec 2022US$255.5bUS$252.2bUS$14.9b6.2x17.1x1x
Price to Earnings Ratio

17.1x


Total Market Cap: US$255.5bTotal Earnings: US$14.9bTotal Revenue: US$252.2bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Life and Health Insurance Industry Price to Earnings3Y Average 44x202320242025
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 12.9x which is lower than its 3-year average PE of 44.0x.
  • 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 9.7% per year over the last three years, while revenues have remained mostly flat.
  • This means that companies overall are more efficiently conducting business since profits are increasing while sales have been flat.

Industry Comparison

How does U.S. Life and Health Insurance compare with similar industries?

US Market-0.59%
Financials2.21%
Insurance3.58%
Life and Health Insurance2.75%
General Insurance5.61%
Reinsurance4.56%
Property and Casualty Insurance4.02%
Insurance Brokers3.06%
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$82.165.2%
+US$2.7b		-0.7%PE14.9x
PRU Prudential FinancialUS$116.965.1%
+US$2.0b		-3.0%PE15.8x
AFL AflacUS$110.051.8%
+US$1.0b		6.0%PE13.8x
UNM Unum GroupUS$77.125.9%
+US$719.5m		4.8%PE14.1x
PFG Principal Financial GroupUS$89.943.5%
+US$672.3m		14.3%PE12.6x

Latest News

GL
US$139.46
Globe Life
7D
4.8%
1Y
30.6%
PRI
US$258.08
Primerica
7D
2.6%
1Y
-8.0%

PRI: Future Upside Will Be Driven By Aggressive Share Repurchases

Analysts have modestly reduced their price target on Primerica by approximately $2 to about $300 per share, reflecting slightly lower fair value and future price-to-earnings assumptions, while keeping revenue growth and profit margin expectations essentially unchanged. What's in the News The Board of Directors authorized a new share repurchase plan for Primerica, signaling continued confidence in the company’s long term prospects (Key Developments).
PRU
US$116.96
Prudential Financial
7D
5.1%
1Y
-3.0%
BNT
US$45.77
Brookfield Wealth Solutions
7D
-1.4%
1Y
16.1%
LNC
US$45.06
Lincoln National
7D
4.8%
1Y
36.3%

LNC: Earnings Durability And Calmer Claims Environment Will Support Steady Performance

Analysts have nudged their blended price target for Lincoln National moderately higher, from $40 to roughly the low $40s. They cite a calmer underwriting environment, supportive investment income tailwinds, and growing confidence in the company’s capital light pivot and earnings durability, despite lingering concerns about distributable earnings and capital returns.
UNM
US$77.12
Unum Group
7D
5.9%
1Y
4.8%
OSCR
US$16.63
Oscar Health
7D
-0.6%
1Y
19.6%

OSCR: Aggressive Premium Hikes Will Test Margin Recovery Amid Policy Uncertainty

The analyst price target for Oscar Health has been raised meaningfully, with fair value increasing from $12.88 to $14.38 per share. Analysts attribute this change to stronger long-term revenue growth prospects, slightly lower perceived risk, and higher future earnings multiples, despite modestly lower margin assumptions.
PFG
US$89.94
Principal Financial Group
7D
3.5%
1Y
14.3%

PFG: Normalizing Investment Income And Calmer Claims Will Support Steady Future Performance

Analysts modestly raised their price target on Principal Financial Group to a range of approximately $87 to $94 per share, reflecting updated insurance sector models, calmer than expected catastrophe activity, as well as improving visibility into earnings and downside risks. Analyst Commentary Analysts are broadly constructive on Principal Financial Group, but remain divided on how much upside is left after the recent rerating in the sector and the stock's multiple compression over the past year.
AFL
US$110.05
Aflac
7D
1.8%
1Y
6.0%
MET
US$82.16
MetLife
7D
5.2%
1Y
-0.7%