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U.S. Property and Casualty Insurance Industry Analysis

UpdatedSep 25, 2025
DataAggregated Company Financials
Companies67
  • 7D1.1%
  • 3M-0.9%
  • 1Y2.1%
  • YTDn/a

In the last week, the Property and Casualty Insurance industry is up 1.1%, with Allstate up 6.2%. Despite this gain, the industry's performance has been flat over the past year. Earnings are forecast to grow by 3.4% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 25 Sep 2025US$752.9bUS$524.7bUS$59.2b13.3x12.7x1.4x
Sat, 23 Aug 2025US$766.6bUS$524.2bUS$59.2b13.7x13x1.5x
Mon, 21 Jul 2025US$748.3bUS$514.2bUS$53.8b13.7x13.9x1.5x
Wed, 18 Jun 2025US$773.5bUS$509.6bUS$51.1b14x15.1x1.5x
Fri, 16 May 2025US$769.6bUS$508.3bUS$50.9b14.7x15.1x1.5x
Sun, 13 Apr 2025US$754.0bUS$498.1bUS$55.7b13.1x13.5x1.5x
Tue, 11 Mar 2025US$719.8bUS$471.1bUS$53.5b13x13.5x1.5x
Thu, 06 Feb 2025US$683.5bUS$469.9bUS$56.7b12.3x12x1.5x
Sat, 04 Jan 2025US$678.4bUS$462.2bUS$56.1b12.5x12.1x1.5x
Mon, 02 Dec 2024US$741.5bUS$462.2bUS$56.1b13.4x13.2x1.6x
Wed, 30 Oct 2024US$687.1bUS$451.9bUS$52.6b12.6x13.1x1.5x
Fri, 27 Sep 2024US$701.0bUS$443.0bUS$49.2b13.9x14.3x1.6x
Sun, 25 Aug 2024US$676.2bUS$443.0bUS$49.2b13.6x13.8x1.5x
Tue, 23 Jul 2024US$625.4bUS$435.6bUS$46.3b12.8x13.5x1.4x
Thu, 20 Jun 2024US$605.8bUS$420.3bUS$43.8b13x13.8x1.4x
Sat, 18 May 2024US$617.1bUS$377.8bUS$40.8b12.8x15.1x1.6x
Mon, 15 Apr 2024US$591.4bUS$409.3bUS$39.9b14x14.8x1.4x
Wed, 13 Mar 2024US$595.1bUS$406.4bUS$38.0b14.1x15.6x1.5x
Fri, 09 Feb 2024US$562.5bUS$402.8bUS$34.5b13.4x16.3x1.4x
Sun, 07 Jan 2024US$527.8bUS$396.7bUS$28.9b13.1x18.2x1.3x
Tue, 05 Dec 2023US$516.7bUS$396.5bUS$28.8b13x18x1.3x
Thu, 02 Nov 2023US$468.0bUS$368.2bUS$25.2b13.6x18.5x1.3x
Sat, 30 Sep 2023US$457.3bUS$361.2bUS$21.3b14.4x21.4x1.3x
Mon, 28 Aug 2023US$437.7bUS$361.2bUS$21.3b13.9x20.5x1.2x
Wed, 26 Jul 2023US$431.1bUS$348.8bUS$16.5b18.4x26.2x1.2x
Fri, 23 Jun 2023US$422.6bUS$340.2bUS$14.1b18.2x30x1.2x
Sun, 21 May 2023US$435.4bUS$340.2bUS$14.1b18.7x30.9x1.3x
Tue, 18 Apr 2023US$436.6bUS$329.4bUS$14.5b18.3x30x1.3x
Thu, 16 Mar 2023US$417.2bUS$329.4bUS$14.6b17x28.6x1.3x
Sat, 11 Feb 2023US$464.9bUS$331.4bUS$14.5b16.8x32x1.4x
Mon, 09 Jan 2023US$466.9bUS$327.5bUS$18.7b14.5x25x1.4x
Wed, 07 Dec 2022US$452.4bUS$327.5bUS$18.7b13.9x24.2x1.4x
Fri, 04 Nov 2022US$440.1bUS$327.0bUS$19.6b14.2x22.4x1.3x
Sun, 02 Oct 2022US$388.7bUS$324.3bUS$22.7b13.5x17.1x1.2x
Price to Earnings Ratio

17.1x


Total Market Cap: US$388.7bTotal Earnings: US$22.7bTotal Revenue: US$324.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Property and Casualty Insurance Industry Price to Earnings3Y Average 18.4x202320242025
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 12.7x which is lower than its 3-year average PE of 18.4x.
  • 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 38% 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 Market0.26%
Financials-0.58%
Insurance1.27%
Property and Casualty Insurance1.15%
Reinsurance3.06%
Insurance Brokers1.36%
Life and Health Insurance1.26%
General Insurance-0.15%
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
ALL AllstateUS$209.416.2%
+US$3.2b		10.2%PE9.7x
CB ChubbUS$278.262.2%
+US$2.4b		-4.2%PE12.1x
ACGL Arch Capital GroupUS$90.763.9%
+US$1.3b		-19.7%PE9.1x
WRB W. R. BerkleyUS$74.812.3%
+US$644.8m		32.7%PE16.1x
AIG American International GroupUS$77.901.4%
+US$609.4m		6.7%PE13.2x

Latest News

PGR
US$240.00
Progressive
7D
-1.5%
1Y
-6.6%
ORI
US$41.33
Old Republic International
7D
4.2%
1Y
17.1%

Digitalization And Rising Homeownership Will Increase Efficiency Despite Risks

Analysts have raised their price target for Old Republic International to $46.00, citing anticipated interest rate cuts benefiting the title insurance segment, ongoing specialty insurance expansion, and higher sector multiples, reflecting improved industry and company fundamentals. Analyst Commentary Bullish analysts highlight an improving outlook for the company's title insurance segment, attributed to anticipated interest rate cuts.
ACGL
US$90.76
Arch Capital Group
7D
3.9%
1Y
-19.7%
WRB
US$74.81
W. R. Berkley
7D
2.3%
1Y
32.7%
AIG
US$77.90
American International Group
7D
1.4%
1Y
6.7%

Not Many Are Piling Into American International Group, Inc. (NYSE:AIG) Just Yet

Sep 21
Not Many Are Piling Into American International Group, Inc. (NYSE:AIG) Just Yet
ALL
US$209.41
Allstate
7D
6.2%
1Y
10.2%
KMPR
US$51.78
Kemper
7D
-1.7%
1Y
-14.5%
FAF
US$65.26
First American Financial
7D
-2.3%
1Y
1.4%
FGNX
US$6.20
FG Nexus
7D
-28.3%
1Y
-75.2%
CB
US$278.26
Chubb
7D
2.2%
1Y
-4.2%
L
US$99.26
Loews
7D
2.6%
1Y
27.2%

Investors Holding Back On Loews Corporation (NYSE:L)

Sep 04
Investors Holding Back On Loews Corporation (NYSE:L)
AFG
US$144.45
American Financial Group
7D
3.9%
1Y
6.8%

Digital Transformation And Demographic Shifts Will Expand Insurance Markets

The upward revision in American Financial Group’s consensus price target reflects improved revenue growth forecasts, while other key profitability metrics remain essentially unchanged, resulting in a modest increase in fair value to $132.60. What's in the News Increased regular annual dividend by 10% to $3.52 per share, marking the twentieth consecutive year of dividend increases; ten-year compound annual dividend growth rate is 12.3%.
LMND
US$53.43
Lemonade
7D
-4.3%
1Y
211.2%

AI Driven Efficiency Will Offset Insurance Risks In Expansion

Lemonade’s analyst price target has been raised from $39.86 to $45.12, as improving growth in key segments and progress toward profitability are partially offset by competitive pressures and softening market conditions. Analyst Commentary Bullish analysts highlight continued strong growth in Lemonade's car insurance and European segments, as well as ongoing progress toward profitability and improving loss ratios.
ASIC
US$19.12
Ategrity Specialty Insurance Company Holdings
7D
-7.2%
1Y
n/a
ERIE
US$314.27
Erie Indemnity
7D
-1.9%
1Y
-41.7%
TRUP
US$42.41
Trupanion
7D
-6.0%
1Y
0.9%

Increasing Pet Ownership And Data Analytics Will Expand Market

The consensus price target for Trupanion has increased to $59.67 as analysts assign a higher future P/E multiple despite a modest decline in net profit margin, signaling greater optimism about its growth prospects. Valuation Changes Summary of Valuation Changes for Trupanion The Consensus Analyst Price Target has significantly risen from $53.00 to $59.67.