Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

U.S. Property and Casualty Insurance Industry Analysis

UpdatedMay 27, 2026
DataAggregated Company Financials
Companies68
  • 7D-1.1%
  • 3M-2.6%
  • 1Y-4.4%
  • YTDn/a

Over the last 7 days, the Property and Casualty Insurance industry has dropped 1.1%, driven by a pullback from Allstate of 5.2%. In contrast, Neptune Insurance Holdings has gained 8.4%. The industry has fallen 4.4% in the last year. In the next few years, earnings are forecast to decline by 4.3% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 27 May 2026US$741.1bUS$546.1bUS$77.6b10.2x9.5x1.4x
Fri, 24 Apr 2026US$747.0bUS$543.2bUS$74.1b11x10.1x1.4x
Sun, 22 Mar 2026US$726.5bUS$539.6bUS$71.5b10.3x10.2x1.3x
Tue, 17 Feb 2026US$759.3bUS$543.4bUS$71.6b11.8x10.6x1.4x
Thu, 15 Jan 2026US$733.5bUS$534.3bUS$65.3b12.4x11.2x1.4x
Sat, 13 Dec 2025US$771.7bUS$534.3bUS$65.3b13.1x11.8x1.4x
Mon, 10 Nov 2025US$745.4bUS$534.3bUS$65.2b12.3x11.4x1.4x
Wed, 08 Oct 2025US$771.2bUS$524.7bUS$59.2b13.7x13x1.5x
Fri, 05 Sep 2025US$762.3bUS$524.7bUS$59.2b13.4x12.9x1.5x
Sun, 03 Aug 2025US$732.1bUS$521.2bUS$58.0b12.8x12.6x1.4x
Tue, 01 Jul 2025US$769.9bUS$509.6bUS$51.1b14.3x15.1x1.5x
Thu, 29 May 2025US$785.4bUS$508.3bUS$50.9b14.6x15.4x1.5x
Sat, 26 Apr 2025US$759.3bUS$503.5bUS$54.2b13.8x14x1.5x
Mon, 24 Mar 2025US$721.8bUS$471.1bUS$53.5b13.8x13.5x1.5x
Wed, 19 Feb 2025US$684.4bUS$471.3bUS$53.8b12.8x12.7x1.5x
Fri, 17 Jan 2025US$683.0bUS$462.2bUS$56.1b12.3x12.2x1.5x
Sun, 15 Dec 2024US$701.0bUS$462.2bUS$56.1b12.6x12.5x1.5x
Tue, 12 Nov 2024US$710.7bUS$461.9bUS$56.2b12.8x12.6x1.5x
Thu, 10 Oct 2024US$680.7bUS$443.0bUS$49.2b13.6x13.8x1.5x
Sat, 07 Sep 2024US$690.3bUS$443.0bUS$49.2b13.7x14x1.6x
Mon, 05 Aug 2024US$640.9bUS$442.1bUS$48.7b13.4x13.2x1.4x
Wed, 03 Jul 2024US$609.5bUS$431.7bUS$44.6b13.2x13.7x1.4x
Fri, 31 May 2024US$611.3bUS$420.3bUS$43.8b12.8x14x1.5x
Sun, 28 Apr 2024US$590.6bUS$415.2bUS$41.5b13.7x14.2x1.4x
Tue, 26 Mar 2024US$605.9bUS$406.3bUS$38.1b14.4x15.9x1.5x
Thu, 22 Feb 2024US$579.0bUS$405.4bUS$37.0b14.2x15.6x1.4x
Sat, 20 Jan 2024US$539.9bUS$396.7bUS$28.9b13.6x18.7x1.4x
Mon, 18 Dec 2023US$505.8bUS$396.7bUS$28.9b12.6x17.5x1.3x
Wed, 15 Nov 2023US$498.9bUS$395.4bUS$28.6b12.5x17.5x1.3x
Fri, 13 Oct 2023US$457.3bUS$360.9bUS$21.5b14.5x21.3x1.3x
Sun, 10 Sep 2023US$442.5bUS$361.2bUS$21.3b13.9x20.8x1.2x
Tue, 08 Aug 2023US$446.0bUS$359.9bUS$20.9b16x21.3x1.2x
Thu, 06 Jul 2023US$424.7bUS$343.4bUS$15.9b16.5x26.8x1.2x
Sat, 03 Jun 2023US$421.2bUS$340.2bUS$14.1b18.3x29.9x1.2x
Price to Earnings Ratio

29.9x


Total Market Cap: US$421.2bTotal 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 15x202420252026
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 15.0x.
  • 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 Market2.46%
Financials1.50%
Insurance-0.71%
Property and Casualty Insurance-1.14%
General Insurance2.52%
Life and Health Insurance1.14%
Reinsurance-1.12%
Insurance Brokers-1.15%
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
NP Neptune Insurance HoldingsUS$28.948.4%
+US$309.9m		n/aPS23.8x
LMND LemonadeUS$57.366.3%
+US$260.4m		73.2%PS5.2x
L LoewsUS$109.091.1%
+US$253.1m		22.5%PE13.7x
HIG Hartford Insurance GroupUS$135.360.3%
+US$93.2m		3.3%PE9.2x
ROOT RootUS$58.328.7%
+US$74.2m		-56.0%PE16.8x

Latest News

TRV
US$304.84
Travelers Companies
7D
-0.2%
1Y
10.5%
AIG
US$77.19
American International Group
7D
-0.4%
1Y
-7.2%
NP
US$28.94
Neptune Insurance Holdings
7D
8.4%
1Y
n/a
PGR
US$198.78
Progressive
7D
-2.0%
1Y
-28.7%
Narrative Update • May 24

PGR: AI Expense Efficiencies Will Sustain Earnings Power Despite Softer Pricing

Analysts have nudged the fair value estimate for Progressive slightly lower to about $231 from roughly $232, reflecting modest reductions to long term earnings expectations after recent price target cuts tied to April's catastrophe losses and concerns about softer auto pricing power. Analyst Commentary Recent research shows a mix of optimism and caution around Progressive, with price targets being nudged both higher and lower as analysts recalibrate expectations after the April earnings miss and shifting views on auto pricing power.
HIG
US$135.36
Hartford Insurance Group
7D
0.3%
1Y
3.3%
LMND
US$57.36
Lemonade
7D
6.3%
1Y
73.2%
CB
US$325.45
Chubb
7D
-1.4%
1Y
12.3%
ALL
US$212.82
Allstate
7D
-5.2%
1Y
2.7%
ACGL
US$95.37
Arch Capital Group
7D
-1.1%
1Y
0.8%
L
US$109.09
Loews
7D
1.1%
1Y
22.5%
THG
US$195.87
Hanover Insurance Group
7D
1.1%
1Y
13.1%
FAF
US$68.15
First American Financial
7D
1.1%
1Y
23.3%
ROOT
US$58.32
Root
7D
8.7%
1Y
-56.0%
Seeking Alpha • May 15

Root: Profitability Is Real, But The Easy Upside Looks Priced In

Summary Root, Inc. (ROOT) has transitioned from aggressive growth to sustainable profitability, posting record Q1 net income and a strong 91.4% combined ratio. ROOT’s tech-driven model enables rapid tariff adjustments, supporting margin stability amid inflation and operational flexibility across distribution channels. Valuation reflects optimism: ROOT trades at a premium P/E and P/B versus traditional insurers, justified by superior operational efficiency and tech advantage. Risks include slowing revenue growth, dependency on third-party channels, reinsurance cost exposure, and regulatory scrutiny of telematics and AI-based pricing. Read the full article on Seeking Alpha
WRB
US$67.33
W. R. Berkley
7D
-1.7%
1Y
-9.3%
Narrative Update • May 15

WRB: Capital Returns And Underwriting Discipline Will Support Future Earnings Resilience

The analyst price target for W. R.
CNA
US$43.73
CNA Financial
7D
-1.2%
1Y
-8.1%
SIGI
US$89.40
Selective Insurance Group
7D
1.2%
1Y
1.7%
Narrative Update • May 14

SIGI: Future Returns Will Rely On Execution Discipline And Steady P/E Expectations

Narrative Update on Analyst Price Target The updated analyst model lifts Selective Insurance Group's fair value estimate from $88.00 to about $90.14. Analysts point to adjustments in the discount rate, revenue growth assumptions, profit margin outlook, and future P/E expectations as key drivers of the new target range.