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U.S. Life and Health Insurance Industry Analysis

UpdatedJul 12, 2026
DataAggregated Company Financials
Companies21
  • 7D0.9%
  • 3M16.3%
  • 1Y20.7%
  • YTDn/a

The Life and Health Insurance industry has been flat over the last week, but Unum Group has lost 5.2%. As for the the longer term, the industry is up 21% over the past 12 months. Looking forward, earnings are forecast to grow by 9.5% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 12 Jul 2026US$271.0bUS$264.8bUS$18.7b15.5x14.5x1x
Tue, 09 Jun 2026US$252.8bUS$264.8bUS$18.7b14.5x13.5x1x
Thu, 07 May 2026US$249.1bUS$264.5bUS$18.4b14.9x13.6x0.9x
Sat, 04 Apr 2026US$232.1bUS$260.6bUS$16.6b14.6x13.9x0.9x
Mon, 02 Mar 2026US$235.4bUS$260.6bUS$16.6b14.9x14.1x0.9x
Wed, 28 Jan 2026US$240.9bUS$255.6bUS$19.7b12.9x12.2x0.9x
Fri, 26 Dec 2025US$253.3bUS$255.6bUS$19.7b13.1x12.8x1x
Sun, 23 Nov 2025US$241.5bUS$255.6bUS$19.7b12.3x12.2x0.9x
Tue, 21 Oct 2025US$242.8bUS$254.5bUS$15.7b13x15.5x1x
Thu, 18 Sep 2025US$248.3bUS$254.5bUS$15.7b13.6x15.9x1x
Sat, 16 Aug 2025US$245.4bUS$254.5bUS$15.7b13.5x15.7x1x
Mon, 14 Jul 2025US$241.4bUS$257.6bUS$18.1b12.1x13.3x0.9x
Wed, 11 Jun 2025US$225.6bUS$243.3bUS$17.6b12.3x12.8x0.9x
Fri, 09 May 2025US$226.8bUS$241.0bUS$19.4b12.4x11.7x0.9x
Sun, 06 Apr 2025US$213.0bUS$250.3bUS$22.4b10.1x9.5x0.9x
Tue, 04 Mar 2025US$241.5bUS$248.8bUS$22.5b11.1x10.8x1x
Thu, 30 Jan 2025US$241.9bUS$242.9bUS$14.3b14.6x17x1x
Sat, 28 Dec 2024US$232.5bUS$242.9bUS$14.3b13.6x16.3x1x
Mon, 25 Nov 2024US$248.3bUS$242.9bUS$14.3b14.8x17.4x1x
Wed, 23 Oct 2024US$244.6bUS$229.8bUS$16.6b13.7x14.7x1.1x
Fri, 20 Sep 2024US$238.9bUS$229.8bUS$16.6b13.3x14.4x1x
Sun, 18 Aug 2024US$227.1bUS$229.8bUS$16.6b12.5x13.7x1x
Tue, 16 Jul 2024US$223.9bUS$222.7bUS$14.7b9.9x15.2x1x
Thu, 13 Jun 2024US$213.9bUS$225.4bUS$14.8b10.4x14.4x0.9x
Sat, 11 May 2024US$214.6bUS$225.4bUS$14.8b12.4x14.5x1x
Mon, 08 Apr 2024US$222.9bUS$216.9bUS$10.3b16.9x21.7x1x
Wed, 06 Mar 2024US$212.4bUS$216.9bUS$10.2b15.9x20.9x1x
Fri, 02 Feb 2024US$251.0bUS$213.2bUS$3.1b13.3x80.2x1.2x
Sun, 31 Dec 2023US$255.8bUS$216.4bUS$1.6b13.4x157.1x1.2x
Tue, 28 Nov 2023US$247.8bUS$216.4bUS$1.6b12.9x152.1x1.1x
Thu, 26 Oct 2023US$235.7bUS$238.9bUS$1.0b12.5x230.5x1x
Sat, 23 Sep 2023US$244.1bUS$238.9bUS$1.0b12.9x238.8x1x
Mon, 21 Aug 2023US$241.4bUS$238.9bUS$1.0b13.2x236.1x1x
Wed, 19 Jul 2023US$241.0bUS$240.0bUS$5.5b12.8x43.9x1x
Price to Earnings Ratio

43.9x


Total Market Cap: US$241.0bTotal 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 41.7x202420252026
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 14.5x which is lower than its 3-year average PE of 41.7x.
  • 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 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 Market0.81%
Financials0.048%
Insurance-0.73%
Life and Health Insurance0.87%
Reinsurance0.36%
Insurance Brokers-0.48%
Property and Casualty Insurance-1.42%
General Insurance-2.43%
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$91.651.8%
+US$1.0b		18.0%PE17.2x
PRU Prudential FinancialUS$115.372.1%
+US$840.5m		8.9%PE11.7x
AFL AflacUS$121.910.9%
+US$524.3m		20.0%PE13.4x
LNC Lincoln NationalUS$39.737.4%
+US$522.0m		16.6%PE4.6x
PFG Principal Financial GroupUS$112.231.2%
+US$293.8m		39.6%PE15.5x

Latest News

AFL
US$121.91
Aflac
7D
0.9%
1Y
20.0%
Narrative Update • Jul 11

AFL: Future Returns Will Reflect Carrier Strength And Cybersecurity Risk Balancing

Aflac's analyst fair value estimate has nudged up from $112.43 to $114.86. This reflects a series of higher Street price targets as analysts point to supportive conditions for life insurers, including reduced private credit concerns, steady earnings momentum and a generally favorable backdrop for carriers relative to brokers.
MET
US$91.65
MetLife
7D
1.8%
1Y
18.0%
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.
UNM
US$87.50
Unum Group
7D
-5.2%
1Y
9.3%
Narrative Update • Jul 10

UNM: Long-Term Care Reinsurance Actions Will Support Future Capital Return Potential

Analysts have lifted their blended price target for Unum Group to about $100 from roughly $98, reflecting updated views on fair value, slight adjustments to growth and profitability assumptions, and recent Street research citing a supportive backdrop for U.S. life insurers and the company’s long term care risk transfer actions. Analyst Commentary Recent Street research on Unum Group clusters around the company’s long term care reinsurance activity and its position within the broader U.S. life insurance sector, with several firms revisiting their valuation work and price targets in light of these developments.
OSCR
US$30.54
Oscar Health
7D
-5.1%
1Y
112.4%
Narrative Update • Jul 10

OSCR: ACA Risk Adjustment Tailwinds Will Confront Ongoing Margin Execution Concerns

Analysts have lifted their fair value estimate for Oscar Health from $11.00 to $13.00 per share, citing more favorable healthcare exchange risk adjustment dynamics, expectations for margin recovery as repricing actions flow through, and increased comfort with the individual ACA market exposure, as reflected in higher Street price targets from firms such as Barclays and Wells Fargo. Analyst Commentary on Oscar Health Recent Street commentary on Oscar Health has centered on how the company is positioned within the individual Affordable Care Act market and how current healthcare exchange risk adjustment mechanics could influence results.
GL
US$179.13
Globe Life
7D
-0.8%
1Y
51.6%
GNW
US$9.20
Genworth Financial
7D
-4.3%
1Y
26.2%
PRU
US$115.37
Prudential Financial
7D
2.1%
1Y
8.9%
FG
US$29.67
F&G Annuities & Life
7D
6.2%
1Y
-3.5%
PFG
US$112.23
Principal Financial Group
7D
1.2%
1Y
39.6%
LNC
US$39.73
Lincoln National
7D
7.4%
1Y
16.6%
Narrative Update • Jul 08

LNC: Capital Building Completion And Earnings Quality Will Shape Future Buybacks

Analysts have revised the Lincoln National fair value estimate from about $45.46 to $42.83, reflecting a combination of higher Street price targets in the low to mid $40s and updated assumptions around growth, profitability and future P/E. Analyst Commentary Recent Street research on Lincoln National points to a mixed but generally constructive tone, with several price target updates clustering in the low to mid US$40s and a few firms trimming targets.
PRI
US$304.56
Primerica
7D
2.5%
1Y
15.7%
Seeking Alpha • Jul 03

Primerica: Business Shift Will Help Keep This Company Growing

Summary Primerica is evolving from a mainly term life insurance focus to strong growth in investment and savings products, driving future growth potential. ISP segment revenues grew 21% year-over-year in Q1, outpacing the modest 1% growth in term life insurance and offsetting sales force headwinds. PRI has delivered over 20% dividend CAGR for a decade, supported by a low payout ratio and consistent share repurchases, and should maintain robust growth going forward, even as it moderates. Read the full article on Seeking Alpha
CNO
US$51.96
CNO Financial Group
7D
-0.9%
1Y
43.0%
BNT
US$43.72
Brookfield Wealth Solutions
7D
0.9%
1Y
4.0%
CIA
US$5.66
Citizens
7D
-4.7%
1Y
65.5%
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...