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U.S. Life and Health Insurance Industry Analysis

UpdatedJul 17, 2026
DataAggregated Company Financials
Companies20
  • 7D2.0%
  • 3M14.8%
  • 1Y22.6%
  • YTDn/a

The Life and Health Insurance industry is up 2.0% in the last week, with MetLife up 2.8%. Meanwhile, Oscar Health actually underperformed within the industry, shrinking 7.5% in the last week. This takes the industry's 12 month performance to a gain of 23%. As for the next few years, earnings are expected to grow by 10.0% 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, 18 Jul 2026US$272.3bUS$264.8bUS$18.7b14.9x14.6x1x
Mon, 15 Jun 2026US$262.4bUS$264.8bUS$18.7b15.2x14x1x
Wed, 13 May 2026US$248.5bUS$265.7bUS$19.0b13.9x13.1x0.9x
Fri, 10 Apr 2026US$238.9bUS$260.4bUS$16.6b15.3x14.4x0.9x
Sun, 08 Mar 2026US$232.7bUS$260.6bUS$16.6b14.7x14x0.9x
Tue, 03 Feb 2026US$243.8bUS$255.6bUS$19.7b13.4x12.4x1x
Thu, 01 Jan 2026US$251.3bUS$255.6bUS$19.7b12.9x12.8x1x
Sat, 29 Nov 2025US$245.1bUS$255.6bUS$19.7b12.4x12.4x1x
Mon, 27 Oct 2025US$242.5bUS$254.5bUS$15.7b13.1x15.4x1x
Wed, 24 Sep 2025US$253.3bUS$254.5bUS$15.7b13.5x16.2x1x
Fri, 22 Aug 2025US$247.2bUS$254.5bUS$15.7b13.6x15.8x1x
Sun, 20 Jul 2025US$242.3bUS$257.6bUS$18.1b12.2x13.4x0.9x
Tue, 17 Jun 2025US$221.7bUS$243.3bUS$17.6b12.1x12.6x0.9x
Thu, 15 May 2025US$231.7bUS$243.3bUS$17.6b12.5x13.2x1x
Sat, 12 Apr 2025US$216.4bUS$250.3bUS$22.4b10.1x9.7x0.9x
Mon, 10 Mar 2025US$233.9bUS$250.3bUS$22.4b10.4x10.4x0.9x
Wed, 05 Feb 2025US$240.4bUS$242.9bUS$14.3b14.5x16.9x1x
Fri, 03 Jan 2025US$230.4bUS$242.9bUS$14.3b13.6x16.2x0.9x
Sun, 01 Dec 2024US$251.8bUS$242.9bUS$14.3b14.8x17.7x1x
Tue, 29 Oct 2024US$237.9bUS$229.9bUS$16.7b13.4x14.3x1x
Thu, 26 Sep 2024US$240.9bUS$229.8bUS$16.6b13.2x14.5x1x
Sat, 24 Aug 2024US$228.3bUS$229.8bUS$16.6b12.8x13.7x1x
Mon, 22 Jul 2024US$225.9bUS$222.7bUS$14.7b9.9x15.4x1x
Wed, 19 Jun 2024US$213.9bUS$225.4bUS$14.8b10.5x14.4x0.9x
Fri, 17 May 2024US$217.6bUS$225.4bUS$14.8b10.4x14.7x1x
Sun, 14 Apr 2024US$206.6bUS$216.9bUS$10.3b16x20.1x1x
Tue, 12 Mar 2024US$217.1bUS$216.9bUS$10.2b15.6x21.2x1x
Thu, 08 Feb 2024US$206.6bUS$212.5bUS$6.3b12.1x32.7x1x
Sat, 06 Jan 2024US$256.1bUS$213.6bUS$2.7b13.6x94.6x1.2x
Mon, 04 Dec 2023US$249.3bUS$216.4bUS$1.6b13.2x153.1x1.2x
Wed, 01 Nov 2023US$238.1bUS$239.0bUS$949.6m12.6x250.7x1x
Fri, 29 Sep 2023US$242.6bUS$238.9bUS$1.0b12.8x237.3x1x
Sun, 27 Aug 2023US$241.0bUS$238.9bUS$1.0b13.1x235.7x1x
Tue, 25 Jul 2023US$246.1bUS$240.0bUS$5.5b12.9x44.8x1x
Price to Earnings Ratio

44.8x


Total Market Cap: US$246.1bTotal Earnings: US$5.5bTotal Revenue: US$240.0bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Life and Health Insurance Industry Price to Earnings3Y Average 41.5x202420252026
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 41.5x.
  • 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 50% per year over the last three years.
  • Revenues for these companies have grown 3.3% 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 Market-0.88%
Financials2.09%
Insurance-0.50%
Life and Health Insurance1.96%
Insurance Brokers2.64%
Reinsurance2.01%
General Insurance-1.35%
Property and Casualty Insurance-2.68%
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$94.002.6%
+US$1.5b		21.8%PE17.6x
AFL AflacUS$124.722.3%
+US$1.4b		22.5%PE13.7x
PRU Prudential FinancialUS$119.073.2%
+US$1.3b		15.3%PE12.1x
LNC Lincoln NationalUS$42.246.3%
+US$479.9m		22.3%PE4.9x
GL Globe LifeUS$184.763.1%
+US$437.1m		51.3%PE12.2x

Latest News

AFL
US$124.72
Aflac
7D
2.3%
1Y
22.5%
Seeking Alpha • Jul 16

Aflac - Underperformance Confirmed In 2026

Summary Aflac trades at a 16-17x P/E premium despite sector risks and a low 2% yield. I see earnings forecasted to drop 6% in 2026E, with recovery uncertain and valuation above historical averages. Japan exposure, demographic headwinds, and CRE risks limit AFL’s appeal at current prices. I rate AFL a HOLD with an $80/share target, citing quality but insufficient valuation upside. Read the full article on Seeking Alpha
BNT
US$43.62
Brookfield Wealth Solutions
7D
-0.2%
1Y
-2.8%
LNC
US$42.24
Lincoln National
7D
6.3%
1Y
22.3%
OSCR
US$29.10
Oscar Health
7D
-4.7%
1Y
116.8%
GL
US$184.76
Globe Life
7D
3.1%
1Y
51.3%
Narrative Update • Jul 14

GL: Earnings Guidance And Buybacks Will Sustain An Overstretched Share Price

Analysts have raised their price target for Globe Life to $150 from $147, citing updated assumptions around revenue growth, profit margins, and future P/E levels. What’s in the News for Globe Life Globe Life reported Q1 results with quarterly revenue up 5.35% year over year and net profit up 6.27%.
PRU
US$119.07
Prudential Financial
7D
3.2%
1Y
15.3%
Narrative Update • Jul 14

PRU: Reduced Private Credit Fears Will Mask Overvaluation Risk In Annuity Exposure

The analyst price target for Prudential Financial has been raised by several firms in recent weeks, contributing to an internal fair value estimate moving from about $100.47 to $103.93 as analysts factor in updated operating earnings, free cash flow estimates, and slightly higher target P/E multiples for life insurers. Analyst Commentary Recent research on Prudential Financial points to a more constructive tone from several firms, but with clear reservations that keep the overall stance balanced.
GNW
US$10.09
Genworth Financial
7D
9.7%
1Y
35.6%
MET
US$94.00
MetLife
7D
2.6%
1Y
21.8%
Narrative Update • Jul 11

MET: Capital Returns And Flexible Settlement Solutions Will Shape Future Risk Reward Balance

MetLife's analyst price target has been revised from $92.80 to $95.31. Analysts attribute this change to updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E.
FG
US$32.10
F&G Annuities & Life
7D
8.2%
1Y
3.4%
PFG
US$113.95
Principal Financial Group
7D
1.5%
1Y
40.6%
BHF
US$65.61
Brighthouse Financial
7D
-0.6%
1Y
29.1%
CIA
US$5.37
Citizens
7D
-5.1%
1Y
50.8%
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...