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U.S. Life and Health Insurance Industry Analysis

UpdatedAug 03, 2026
DataAggregated Company Financials
Companies21
  • 7D1.8%
  • 3M15.8%
  • 1Y27.9%
  • YTDn/a

Over the last 7 days, the Life and Health Insurance industry has risen 1.8%, and Aflac contributed the most with a gain of 1.5%. In the last 12 months, the industry was up 28%. Earnings are forecast to grow by 9.3% 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, 03 Aug 2026US$280.8bUS$265.7bUS$19.3b14.8x14.5x1.1x
Wed, 01 Jul 2026US$261.3bUS$264.8bUS$18.7b14.9x14x1x
Fri, 29 May 2026US$248.0bUS$264.8bUS$18.7b14.3x13.3x0.9x
Sun, 26 Apr 2026US$245.1bUS$260.3bUS$17.0b15.4x14.4x0.9x
Tue, 24 Mar 2026US$222.8bUS$260.7bUS$16.7b14.2x13.4x0.9x
Thu, 19 Feb 2026US$242.6bUS$261.2bUS$17.4b15.3x13.9x0.9x
Sat, 17 Jan 2026US$244.6bUS$255.6bUS$19.7b12.7x12.4x1x
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
Price to Earnings Ratio

250x


Total Market Cap: US$244.7bTotal Earnings: US$978.7mTotal Revenue: US$238.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Life and Health Insurance Industry Price to Earnings3Y Average 41x202420252026
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 41.0x.
  • 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 170% per year over the last three years.
  • Revenues for these companies have grown 3.6% 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 Market0.85%
Financials0.099%
Insurance-0.52%
Life and Health Insurance1.77%
Insurance Brokers1.33%
General Insurance0.64%
Property and Casualty Insurance-1.88%
Reinsurance-2.82%
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
AFL AflacUS$127.481.5%
+US$956.9m		30.0%PE14x
OSCR Oscar HealthUS$31.2210.7%
+US$912.6m		129.9%PS0.7x
LNC Lincoln NationalUS$45.6110.3%
+US$894.2m		23.7%PE3.9x
MET MetLifeUS$96.131.4%
+US$836.5m		29.9%PE18x
PRU Prudential FinancialUS$122.081.8%
+US$736.3m		21.2%PE12.4x

Latest News

LNC
US$45.61
Lincoln National
7D
10.3%
1Y
23.7%
Seeking Alpha • Aug 01

Lincoln National's Reinsurance Deal Unlocks Further Upside

Summary Lincoln National executed a transformative $5.8B reinsurance deal, improving capital efficiency and freeing up resources for higher-return products. Q2 results were strong: EPS of $2.24 beat by $0.28, revenue grew 12%, and operating income rose for the 8th consecutive quarter. LNC’s capital actions, including preferred stock redemption and a secure 3.9% dividend, position it for resumed share repurchases and enhanced free cash flow. With a raised $50 price target and ongoing 'buy' rating, I see low-teens total return potential over the next year. Read the full article on Seeking Alpha
PFG
US$113.70
Principal Financial Group
7D
2.2%
1Y
49.8%
BHF
US$61.91
Brighthouse Financial
7D
-2.1%
1Y
34.1%
UNM
US$86.11
Unum Group
7D
-0.1%
1Y
23.5%
MET
US$96.13
MetLife
7D
1.4%
1Y
29.9%
PRU
US$122.08
Prudential Financial
7D
1.8%
1Y
21.2%
GL
US$182.25
Globe Life
7D
5.1%
1Y
32.8%
Narrative Update • Jul 28

GL: Earnings Miss Share Repurchases And Guidance Will Shape Future Returns

Analysts have raised their price target for Globe Life from $172.10 to approximately $190.09, reflecting updated models that incorporate a slightly higher discount rate, modestly different expectations for revenue growth and profit margins, and a higher assumed future P/E multiple. What’s in the News for Globe Life Globe Life shares fell 7.2% after reporting Q2 2026 net operating income of $3.61 per diluted share, which missed the $3.79 consensus estimate by 4.7%.
AFL
US$127.48
Aflac
7D
1.5%
1Y
30.0%
Narrative Update • Jul 25

AFL: Future Returns Will Reflect Supportive Macro Conditions And Execution Risk Balancing

Aflac's fair value estimate has been raised from about $114.86 to $117.71 as analysts incorporate higher sector price targets, modestly higher assumed future P/E multiples, and a slightly stronger profit margin outlook supported by a more supportive macro backdrop and reduced private credit concerns across life insurers. Analyst Commentary Recent Street research on Aflac reflects a wide range of views on valuation and execution, even as most firms have adjusted their price targets upward in the run up to Q2 earnings.
OSCR
US$31.22
Oscar Health
7D
10.7%
1Y
129.9%
Narrative Update • Jul 25

OSCR: ACA Exchange Risk Adjustment Tailwind Will Not Offset Margin Concerns

Analysts have lifted the implied fair value estimate for Oscar Health from $22.60 to $24.20, citing more supportive views on the 2025 healthcare exchange risk adjustment true up and the company’s focused exposure to the individual ACA market, even as margin expectations remain measured and the future P/E assumption edges up toward 11x. Analyst Commentary Recent research on Oscar Health centers on how the individual Affordable Care Act market, risk adjustment outcomes, and margin trajectory could feed into valuation over the next few years.
BNT
US$43.19
Brookfield Wealth Solutions
7D
1.5%
1Y
-0.8%
GNW
US$9.83
Genworth Financial
7D
-0.9%
1Y
25.2%
FG
US$28.57
F&G Annuities & Life
7D
-3.6%
1Y
-9.0%
CIA
US$4.73
Citizens
7D
-2.3%
1Y
21.0%
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...