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U.S. Life and Health Insurance Industry Analysis

UpdatedSep 01, 2026
DataAggregated Company Financials
Companies21
  • 7D-1.6%
  • 3M9.2%
  • 1Y14.1%
  • YTDn/a

Over the last 7 days, the Life and Health Insurance industry has dropped 1.6%, driven by Prudential Financial declining 4.1%. Over the past 12 months, the industry was up 14%. As for the next few years, earnings are expected to grow by 8.0% 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
Tue, 01 Sep 2026US$270.2bUS$273.7bUS$21.1b15.7x12.8x1x
Thu, 30 Jul 2026US$283.4bUS$265.1bUS$18.7b14.1x15.2x1.1x
Sat, 27 Jun 2026US$257.5bUS$264.8bUS$18.7b14.9x13.8x1x
Mon, 25 May 2026US$251.7bUS$264.8bUS$18.7b13.5x13.5x1x
Wed, 22 Apr 2026US$247.7bUS$260.4bUS$16.6b15.7x14.9x1x
Fri, 20 Mar 2026US$225.2bUS$260.7bUS$16.7b14x13.5x0.9x
Sun, 15 Feb 2026US$240.2bUS$261.2bUS$17.4b15.3x13.8x0.9x
Tue, 13 Jan 2026US$248.4bUS$255.6bUS$19.7b13.1x12.6x1x
Thu, 11 Dec 2025US$249.2bUS$255.6bUS$19.7b12.7x12.6x1x
Sat, 08 Nov 2025US$243.9bUS$255.3bUS$19.0b14x12.8x1x
Mon, 06 Oct 2025US$257.1bUS$254.5bUS$15.7b13.3x16.4x1x
Wed, 03 Sep 2025US$251.1bUS$254.5bUS$15.7b13.8x16x1x
Fri, 01 Aug 2025US$236.4bUS$257.3bUS$17.4b12.4x13.6x0.9x
Sun, 29 Jun 2025US$230.8bUS$243.3bUS$17.6b12.5x13.1x0.9x
Tue, 27 May 2025US$222.6bUS$243.3bUS$17.6b12x12.7x0.9x
Thu, 24 Apr 2025US$221.9bUS$250.3bUS$22.4b10.6x9.9x0.9x
Sat, 22 Mar 2025US$239.9bUS$250.3bUS$22.4b11.3x10.7x1x
Mon, 17 Feb 2025US$232.8bUS$249.4bUS$21.6b12.2x10.8x0.9x
Wed, 15 Jan 2025US$232.6bUS$242.9bUS$14.3b13.9x16.3x1x
Fri, 13 Dec 2024US$231.8bUS$242.9bUS$14.3b14.1x16.3x1x
Sun, 10 Nov 2024US$237.0bUS$242.9bUS$14.2b14.5x16.7x1x
Tue, 08 Oct 2024US$243.9bUS$229.8bUS$16.6b13.4x14.7x1.1x
Thu, 05 Sep 2024US$236.9bUS$229.8bUS$16.6b13.1x14.3x1x
Sat, 03 Aug 2024US$230.2bUS$227.0bUS$15.7b10.2x14.6x1x
Mon, 01 Jul 2024US$216.9bUS$225.4bUS$14.8b10.5x14.6x1x
Wed, 29 May 2024US$215.8bUS$225.4bUS$14.8b10.3x14.6x1x
Fri, 26 Apr 2024US$213.4bUS$217.0bUS$10.3b16.2x20.7x1x
Sun, 24 Mar 2024US$220.3bUS$216.9bUS$10.3b15.1x21.5x1x
Tue, 20 Feb 2024US$213.2bUS$209.6bUS$10.3b13.6x20.7x1x
Thu, 18 Jan 2024US$255.6bUS$213.6bUS$2.7b13.2x94.4x1.2x
Sat, 16 Dec 2023US$253.8bUS$216.4bUS$1.6b13.4x155.8x1.2x
Mon, 13 Nov 2023US$239.9bUS$216.4bUS$1.6b10.9x147.4x1.1x
Wed, 11 Oct 2023US$242.3bUS$238.9bUS$1.0b12.8x237x1x
Fri, 08 Sep 2023US$240.5bUS$238.9bUS$1.0b12.8x235.2x1x
Price to Earnings Ratio

235.2x


Total Market Cap: US$240.5bTotal Earnings: US$1.0bTotal Revenue: US$238.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Life and Health Insurance Industry Price to Earnings3Y Average 36x202420252026
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 12.8x which is lower than its 3-year average PE of 36.0x.
  • 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 174% per year over the last three years.
  • Revenues for these companies have grown 4.6% 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 Market0.071%
Financials-0.90%
Insurance-2.38%
Life and Health Insurance-1.63%
Reinsurance-0.25%
General Insurance-0.51%
Property and Casualty Insurance-1.81%
Insurance Brokers-4.61%
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
UNM Unum GroupUS$93.224.2%
+US$590.5m		33.4%PE21x
FG F&G Annuities & LifeUS$23.802.9%
+US$89.0m		-31.2%PE7.8x
BHF Brighthouse FinancialUS$53.022.2%
+US$64.4m		12.2%PE4.2x
CNO CNO Financial GroupUS$54.791.0%
+US$50.9m		38.8%PE18.1x
LNC Lincoln NationalUS$42.590.5%
+US$40.2m		-0.8%PE3.6x

Latest News

BHF
US$53.02
Brighthouse Financial
7D
2.2%
1Y
12.2%
Seeking Alpha • Aug 29

Brighthouse Financial: Deal Fears Create Attractive Risk-Reward

Summary Brighthouse Financial faces deal uncertainty as the Aquarian Capital acquisition remains under regulatory review, with shares recently declining 13%. Key risks include heightened scrutiny of BHF's Delaware captive reinsurer accounting and broader sector concerns over related-party transactions and private credit exposure. BHF's standalone financials remain solid, with a 430–450% RBC ratio, $4.9B statutory capital, and $900M holding company liquidity, supporting downside protection. I maintain a Buy rating on BHF, seeing an attractive risk/reward profile with $16 upside versus $3 downside and a potential 25%+ return if the deal closes. Read the full article on Seeking Alpha
UNM
US$93.22
Unum Group
7D
4.2%
1Y
33.4%
PFG
US$110.16
Principal Financial Group
7D
-1.5%
1Y
36.8%
GNW
US$9.94
Genworth Financial
7D
0.5%
1Y
16.0%
GL
US$172.67
Globe Life
7D
-0.3%
1Y
23.4%
Narrative Update • Aug 25

GL: Buybacks And Earnings Guidance Will Support A Fairly Valued Share Price

Analysts have raised their price target for Globe Life from $150 to $166, citing updated assumptions that include a slightly higher discount rate, a lower projected revenue growth rate, a modestly higher expected profit margin, and an adjusted forward P/E estimate. What’s in the News for Globe Life Globe Life announced that its Board of Directors approved a new authorization to repurchase up to US$2.5b of common stock, effective August 15, 2026, under the existing share repurchase program.
LNC
US$42.59
Lincoln National
7D
0.5%
1Y
-0.8%
MET
US$95.17
MetLife
7D
-1.1%
1Y
17.0%
Narrative Update • Aug 22

MET: Buybacks And New Liquidity Features Will Shape A Balanced Forward Risk Profile

Analysts have raised their price target for MetLife to $104.38 from $100.44, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E that collectively support a higher valuation framework. What’s in the News for MetLife MetLife announced a share repurchase program authorizing up to US$3.0b of common stock buybacks.
OSCR
US$29.96
Oscar Health
7D
-5.8%
1Y
79.8%
Narrative Update • Aug 22

OSCR: Policy And Utilization Risks Will Test Future Margin Improvement Targets

Analysts have lifted the fair value estimate for Oscar Health stock from $13.00 to $25.00, citing higher Street price targets following a strong Q2, improved operating leverage, and favorable risk adjustment trends, while still flagging some uncertainty around future medical loss ratio goals and longer term policy risks. Analyst Commentary Street research on Oscar Health reflects a mix of optimism on execution in recent quarters and lingering caution on medical cost trends, policy uncertainty, and how much upside is already reflected in the stock price.
PRI
US$287.65
Primerica
7D
-4.1%
1Y
6.8%
Narrative Update • Aug 21

PRI: Buybacks And Stable Cash Flows Will Support Measured Future Returns

Analysts have raised their Primerica price target to $328.67 from $317.83, citing updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E as support for the revision. What’s in the News for Primerica Primerica reported Q2 2026 revenue of about US$865.1 million, which the company said was in line with Wall Street expectations.
CNO
US$54.79
CNO Financial Group
7D
1.0%
1Y
38.8%
Seeking Alpha • Aug 21

CNO Financial: Operating Momentum Is Strong, But Valuation Looks Full

Summary CNO Financial Group demonstrates robust operating growth, with Q2 2026 revenues up 11.6% and EPS surging 45% to $1.33. Management raised 2026 EPS guidance to $4.60–$4.80, reflecting continued momentum in Medicare Supplement and workplace benefits segments. CNO trades at a premium valuation: 18.4x GAAP P/E and 1.9x P/B, both above historical and peer averages, limiting further multiple expansion. Further share price appreciation hinges on sustaining or accelerating profit growth, as the current valuation leaves a reduced safety margin. Read the full article on Seeking Alpha
FG
US$23.80
F&G Annuities & Life
7D
2.9%
1Y
-31.2%
PRU
US$117.60
Prudential Financial
7D
-4.1%
1Y
7.2%
Narrative Update • Aug 20

PRU: Higher Earnings Hopes Will Sustain Overvaluation Risk Despite Japan Conduct Issues

Analysts have increased their fair value estimate for Prudential Financial to about $111 from roughly $107, reflecting a series of higher Street price targets that cite stronger sector valuations, slightly improved long-term earnings expectations, and company-specific cost savings. Analyst Commentary Recent research on Prudential Financial shows a cluster of higher price targets, but also a split in how comfortable analysts feel about execution and risk.
BNT
US$41.24
Brookfield Wealth Solutions
7D
-1.9%
1Y
-6.0%
AFL
US$115.85
Aflac
7D
-2.0%
1Y
8.4%