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U.S. Property and Casualty Insurance Industry Analysis

UpdatedJun 10, 2026
DataAggregated Company Financials
Companies68
  • 7D2.6%
  • 3M-0.6%
  • 1Y-3.2%
  • YTDn/a

In the last week, the Property and Casualty Insurance industry is up 2.6%, with Chubb up 4.1%. During this same period, the Lemonade underperformed, falling 7.7%. However, the industry is down 5.2% over the past year. Looking forward, earnings are forecast to decline by 4.4% per year.

Industry Valuation and Performance

Has the U.S. Property and Casualty Insurance Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 10 Jun 2026US$722.9bUS$546.1bUS$77.6b10.1x9.3x1.3x
Fri, 08 May 2026US$731.0bUS$546.2bUS$77.5b10.2x9.4x1.3x
Sun, 05 Apr 2026US$730.6bUS$539.5bUS$71.4b10.3x10.2x1.4x
Tue, 03 Mar 2026US$774.3bUS$541.3bUS$71.3b11.5x10.9x1.4x
Thu, 29 Jan 2026US$735.0bUS$535.2bUS$65.7b12.2x11.2x1.4x
Sat, 27 Dec 2025US$785.4bUS$534.3bUS$65.3b12.9x12x1.5x
Mon, 24 Nov 2025US$767.9bUS$534.3bUS$65.3b12.6x11.8x1.4x
Wed, 22 Oct 2025US$729.5bUS$528.5bUS$60.3b13.3x12.1x1.4x
Fri, 19 Sep 2025US$748.5bUS$524.7bUS$59.2b13.4x12.6x1.4x
Sun, 17 Aug 2025US$753.7bUS$524.2bUS$59.2b13.4x12.7x1.4x
Tue, 15 Jul 2025US$741.9bUS$509.5bUS$51.1b13.6x14.5x1.5x
Thu, 12 Jun 2025US$766.1bUS$508.7bUS$50.9b14x15.1x1.5x
Sat, 10 May 2025US$784.3bUS$508.1bUS$51.1b14.5x15.4x1.5x
Mon, 07 Apr 2025US$731.1bUS$498.1bUS$55.7b13.1x13.1x1.5x
Wed, 05 Mar 2025US$732.1bUS$471.2bUS$53.4b13x13.7x1.6x
Fri, 31 Jan 2025US$686.6bUS$469.1bUS$56.6b12.6x12.1x1.5x
Sun, 29 Dec 2024US$685.4bUS$462.2bUS$56.1b12.5x12.2x1.5x
Tue, 26 Nov 2024US$730.6bUS$462.2bUS$56.1b13.2x13x1.6x
Thu, 24 Oct 2024US$698.9bUS$449.1bUS$51.4b13.4x13.6x1.6x
Sat, 21 Sep 2024US$701.2bUS$443.0bUS$49.2b13.7x14.3x1.6x
Mon, 19 Aug 2024US$662.4bUS$443.0bUS$49.2b13.3x13.5x1.5x
Wed, 17 Jul 2024US$628.2bUS$431.7bUS$44.6b13.6x14.1x1.5x
Fri, 14 Jun 2024US$597.5bUS$420.3bUS$43.8b12.9x13.6x1.4x
Sun, 12 May 2024US$616.0bUS$420.0bUS$43.8b12.5x14.1x1.5x
Tue, 09 Apr 2024US$615.1bUS$406.4bUS$38.1b14.4x16.2x1.5x
Thu, 07 Mar 2024US$584.9bUS$406.1bUS$37.8b15.3x15.5x1.4x
Sat, 03 Feb 2024US$562.4bUS$402.4bUS$32.1b14.4x17.5x1.4x
Mon, 01 Jan 2024US$517.7bUS$396.7bUS$28.9b13.1x17.9x1.3x
Wed, 29 Nov 2023US$518.2bUS$396.5bUS$28.8b13x18x1.3x
Fri, 27 Oct 2023US$465.0bUS$366.0bUS$23.3b14.4x19.9x1.3x
Sun, 24 Sep 2023US$460.9bUS$361.2bUS$21.3b14.7x21.6x1.3x
Tue, 22 Aug 2023US$439.2bUS$361.0bUS$21.2b13.9x20.7x1.2x
Thu, 20 Jul 2023US$423.4bUS$347.3bUS$16.8b17x25.3x1.2x
Sat, 17 Jun 2023US$424.9bUS$340.2bUS$14.1b18.3x30.1x1.2x
Price to Earnings Ratio

30.1x


Total Market Cap: US$424.9bTotal Earnings: US$14.1bTotal Revenue: US$340.2bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Property and Casualty Insurance Industry Price to Earnings3Y Average 14.8x202420252026
Current Industry PE
  • Investors are pessimistic on the American Property and Casualty 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 9.5x which is lower than its 3-year average PE of 14.8x.
  • The industry is trading close to its 3-year average PS ratio of 1.4x.
Past Earnings Growth
  • The earnings for companies in the Property and Casualty Insurance industry have grown 77% per year over the last three years.
  • Revenues for these companies have grown 17% 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. Property and Casualty Insurance compare with similar industries?

US Market-3.33%
Financials1.60%
Insurance2.86%
Property and Casualty Insurance2.59%
Insurance Brokers3.31%
Life and Health Insurance3.15%
General Insurance3.13%
Reinsurance2.86%
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
CB ChubbUS$325.134.1%
+US$5.0b		13.6%PE11.2x
PGR ProgressiveUS$200.131.7%
+US$1.9b		-24.6%PE10.1x
TRV Travelers CompaniesUS$300.252.9%
+US$1.8b		14.2%PE8.5x
ALL AllstateUS$217.183.2%
+US$1.7b		10.6%PE4.6x
ERIE Erie IndemnityUS$228.6210.2%
+US$1.1b		-36.5%PE20.9x

Latest News

CB
US$325.13
Chubb
7D
4.1%
1Y
13.6%
LMND
US$53.58
Lemonade
7D
-7.7%
1Y
29.0%
Seeking Alpha • Jun 09

Lemonade: Hard To Turn Down At $4.5B Market Cap

Summary Lemonade demonstrates robust 32% YoY IFP growth, strong cost discipline, and accelerating cross-sell momentum, positioning it as a unique AI-driven disruptor. Cross-selling doubled YoY, with only 5% of customers holding multiple policies, indicating substantial untapped LTV and self-reinforcing growth potential. Valuation at ~8x 2026 gross profit for +150% YoY gross profit growth is compelling, with the market underpricing LMND’s long-term AI-driven upside. Key risks include elevated SBC dilution and intense competition in car insurance, but risk/reward remains heavily skewed toward long-term bulls. Read the full article on Seeking Alpha
ALL
US$217.18
Allstate
7D
3.2%
1Y
10.6%
GBLI
US$26.00
Global Indemnity Group
7D
-2.5%
1Y
-19.8%
CINF
US$163.83
Cincinnati Financial
7D
3.7%
1Y
11.4%
PGR
US$200.13
Progressive
7D
1.7%
1Y
-24.6%
Narrative Update • Jun 07

PGR: AI Expense Efficiencies Will Support Underwriting Discipline And Earnings Resilience

Analysts have nudged Progressive's implied fair value higher to about $291 from roughly $284, while slightly adjusting discount rate, revenue growth, profit margin and future P/E assumptions, citing mixed recent earnings trends and growing interest in the company's potential role in the emerging AI economy. Analyst Commentary Recent Street research on Progressive shows a mix of higher and lower price targets, with several bullish analysts highlighting the company's potential earnings power and role in the developing use of AI across insurance.
SLDE
US$16.71
Slide Insurance Holdings
7D
-3.9%
1Y
n/a
WRB
US$67.22
W. R. Berkley
7D
3.1%
1Y
-6.4%
ERIE
US$228.62
Erie Indemnity
7D
10.2%
1Y
-36.5%
HIPO
US$24.75
Hippo Holdings
7D
-2.6%
1Y
-10.8%
Narrative Update • Jun 06

HIPO: AI Efficiency Gains And Partnership Expansion Will Support Future Upside

Analysts have adjusted their price target on Hippo Holdings by $2, reflecting updated views on revenue growth potential, profit margin expectations, and a higher forward P/E multiple, as seen in recent research that included both a $3 reduction and a subsequent $2 increase in targets. Analyst Commentary Recent research on Hippo Holdings shows a mix of caution and renewed optimism, with one firm resuming coverage and others revisiting their price targets in short succession.
WTM
US$2,004.76
White Mountains Insurance Group
7D
-2.2%
1Y
12.3%
ACGL
US$90.41
Arch Capital Group
7D
3.2%
1Y
0.7%
TRV
US$300.25
Travelers Companies
7D
2.9%
1Y
14.2%
ROOT
US$53.85
Root
7D
-3.4%
1Y
-64.5%
Narrative Update • Jun 02

ROOT: Repeated Neutral Resets Will Challenge Sustainability Of Recent Margin Gains

Narrative Update Analysts recently cut Root's price target to $52, citing updated assumptions for revenue growth, profit margins and future P/E that temper earlier expectations, while keeping the fair value estimate and discount rate unchanged. Analyst Commentary Recent Street research highlights a series of price target reductions for Root, with bearish analysts revisiting their assumptions on growth, profitability and valuation multiples.
XZO
US$13.10
Exzeo Group
7D
-9.0%
1Y
n/a
FGNX
US$6.10
FG Nexus
7D
-25.7%
1Y
-92.9%