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U.S. Life and Health Insurance Industry Analysis

UpdatedJul 22, 2026
DataAggregated Company Financials
Companies20
  • 7D0.8%
  • 3M15.5%
  • 1Y21.4%
  • YTDn/a

Over the last 7 days, the Life and Health Insurance industry has remained flat, although notably Prudential Financial gained 3.3%. As for the the longer term, the industry is up 21% over the past 12 months. As for the next few years, earnings are expected to grow by 9.7% 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
Wed, 22 Jul 2026US$274.7bUS$264.8bUS$18.7b14.3x14.7x1x
Fri, 19 Jun 2026US$258.7bUS$264.8bUS$18.7b15.2x13.8x1x
Sun, 17 May 2026US$251.2bUS$264.8bUS$18.7b13.9x13.4x0.9x
Tue, 14 Apr 2026US$235.9bUS$260.4bUS$16.6b15.3x14.2x0.9x
Thu, 12 Mar 2026US$230.0bUS$260.6bUS$16.6b14.4x13.8x0.9x
Sat, 07 Feb 2026US$239.2bUS$258.4bUS$19.4b12.9x12.3x0.9x
Mon, 05 Jan 2026US$250.9bUS$255.6bUS$19.7b12.9x12.7x1x
Wed, 03 Dec 2025US$243.2bUS$255.6bUS$19.7b12.2x12.3x1x
Fri, 31 Oct 2025US$240.8bUS$254.0bUS$17.1b12.5x14x0.9x
Sun, 28 Sep 2025US$255.6bUS$254.5bUS$15.7b13.4x16.3x1x
Tue, 26 Aug 2025US$250.5bUS$254.5bUS$15.7b13.8x16x1x
Thu, 24 Jul 2025US$243.2bUS$257.6bUS$18.1b12.2x13.4x0.9x
Sat, 21 Jun 2025US$225.1bUS$243.3bUS$17.6b12.3x12.8x0.9x
Mon, 19 May 2025US$233.2bUS$243.3bUS$17.6b12.6x13.3x1x
Wed, 16 Apr 2025US$222.4bUS$250.3bUS$22.4b10.4x9.9x0.9x
Fri, 14 Mar 2025US$231.7bUS$250.3bUS$22.4b10.4x10.3x0.9x
Sun, 09 Feb 2025US$235.0bUS$244.6bUS$20.0b11.9x11.7x1x
Tue, 07 Jan 2025US$231.5bUS$242.9bUS$14.3b13.7x16.2x1x
Thu, 05 Dec 2024US$243.7bUS$242.9bUS$14.3b14.6x17.1x1x
Sat, 02 Nov 2024US$235.1bUS$240.8bUS$14.5b15.3x16.2x1x
Mon, 30 Sep 2024US$238.1bUS$229.8bUS$16.6b13.3x14.3x1x
Wed, 28 Aug 2024US$232.2bUS$229.8bUS$16.6b12.8x14x1x
Fri, 26 Jul 2024US$226.3bUS$222.8bUS$14.7b10x15.4x1x
Sun, 23 Jun 2024US$219.2bUS$225.4bUS$14.8b10.5x14.8x1x
Tue, 21 May 2024US$220.0bUS$225.4bUS$14.8b10.4x14.8x1x
Thu, 18 Apr 2024US$204.0bUS$216.9bUS$10.3b15.7x19.9x0.9x
Sat, 16 Mar 2024US$216.8bUS$216.9bUS$10.3b15x21.1x1x
Mon, 12 Feb 2024US$211.3bUS$209.7bUS$8.1b12.2x26.1x1x
Wed, 10 Jan 2024US$255.8bUS$213.6bUS$2.7b13.3x94.5x1.2x
Fri, 08 Dec 2023US$248.6bUS$216.4bUS$1.6b13.1x152.7x1.1x
Sun, 05 Nov 2023US$242.9bUS$216.0bUS$1.7b11.1x141.1x1.1x
Tue, 03 Oct 2023US$241.6bUS$238.9bUS$1.0b12.5x236.3x1x
Thu, 31 Aug 2023US$242.8bUS$238.9bUS$1.0b13.3x237.5x1x
Sat, 29 Jul 2023US$245.6bUS$240.0bUS$5.5b13x44.8x1x
Price to Earnings Ratio

44.8x


Total Market Cap: US$245.6bTotal 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 41.4x202420252026
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 14.7x which is lower than its 3-year average PE of 41.4x.
  • 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 51% 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-0.68%
Financials-0.076%
Insurance0.29%
Life and Health Insurance0.77%
Reinsurance1.15%
Insurance Brokers0.59%
Property and Casualty Insurance-0.034%
General Insurance-1.14%
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
PRU Prudential FinancialUS$118.593.3%
+US$1.3b		13.8%PE12x
AFL AflacUS$123.591.3%
+US$783.8m		20.3%PE13.6x
MET MetLifeUS$93.370.9%
+US$534.1m		20.5%PE17.5x
GL Globe LifeUS$184.343.0%
+US$415.4m		50.1%PE12.2x
GNW Genworth FinancialUS$10.134.3%
+US$160.9m		35.6%PE18.4x

Latest News

GL
US$184.34
Globe Life
7D
3.0%
1Y
50.1%
Seeking Alpha • Jul 21

Globe Life: 7.8% Yield To Maturity With 12% Upside Potential From Its Preferred

Summary Globe Life maintains a strong investment-grade balance sheet with $30.6B in assets and $3.26B in total debt. GL's 10- and 5-year total returns on NAV are 11.8% and 14%, respectively, outperforming major insurance and S&P 500 ETFs over 30 years. The company boasts 36 consecutive years of dividends and 20 years of dividend growth, with a current yield of 0.71%. GL's baby bond, issued in 2021 with a 4.25% coupon, offers a spread of 2.08% over Treasuries. Read the full article on Seeking Alpha
PRU
US$118.59
Prudential Financial
7D
3.3%
1Y
13.8%
Seeking Alpha • Jul 20

Prudential: Insurance Strength Pairs Well With A Near 5% Yield (Rating Upgrade)

Summary Prudential Financial is rated a "Buy," viewed as undervalued with supportive industry tailwinds and improving technicals. Q1 results exceeded expectations: non-GAAP EPS of $3.61 vs. $3.11 consensus, $15.23 billion revenue, and strong PGIM performance. Valuation is compelling—using $14.20 normalized EPS and a 9x P/E, shares should trade near $128, with a 4.7% yield. Key risks include global market weakness and Prudential of Japan’s sales suspension, but balance sheet strength and technical momentum support the bullish thesis. Read the full article on Seeking Alpha
CNO
US$53.02
CNO Financial Group
7D
1.6%
1Y
40.9%
AFL
US$123.59
Aflac
7D
1.3%
1Y
20.3%
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
PRI
US$309.53
Primerica
7D
0.9%
1Y
16.2%
BNT
US$42.63
Brookfield Wealth Solutions
7D
-2.7%
1Y
-3.6%
LNC
US$41.82
Lincoln National
7D
1.4%
1Y
21.2%
OSCR
US$30.77
Oscar Health
7D
-1.0%
1Y
109.3%
GNW
US$10.13
Genworth Financial
7D
4.3%
1Y
35.6%
UNM
US$88.38
Unum Group
7D
-0.1%
1Y
9.8%
MET
US$93.37
MetLife
7D
0.9%
1Y
20.5%
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$30.20
F&G Annuities & Life
7D
-0.2%
1Y
-3.2%
PFG
US$109.57
Principal Financial Group
7D
-3.0%
1Y
36.6%
BHF
US$63.63
Brighthouse Financial
7D
-3.4%
1Y
26.1%
CIA
US$5.23
Citizens
7D
-5.4%
1Y
37.3%
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...