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

U.S. Insurance Industry Analysis

UpdatedJan 31, 2026
DataAggregated Company Financials
Companies127
  • 7D1.8%
  • 3M3.5%
  • 1Y-2.2%
  • YTD-1.2%

In the last week, the Insurance industry is up 1.8%, with Chubb up 2.9%. In the same time, Brown & Brown was down 8.9%. Overall in the last year, the industry is flat. As for the next few years, earnings are expected to grow by 5.7% per annum.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 31 Jan 2026US$1.3tUS$938.4bUS$100.7b13.1x13.4x1.4x
Mon, 29 Dec 2025US$1.4tUS$931.1bUS$99.3b13.3x14.2x1.5x
Wed, 26 Nov 2025US$1.4tUS$931.0bUS$99.2b13.2x13.8x1.5x
Fri, 24 Oct 2025US$1.4tUS$925.7bUS$90.5b13.4x15x1.5x
Sun, 21 Sep 2025US$1.4tUS$919.1bUS$88.7b13.8x15.7x1.5x
Tue, 19 Aug 2025US$1.4tUS$918.4bUS$88.4b14.2x15.8x1.5x
Thu, 17 Jul 2025US$1.4tUS$902.8bUS$82.1b14.4x16.8x1.5x
Sat, 14 Jun 2025US$1.4tUS$903.2bUS$82.4b14.3x17.3x1.6x
Mon, 12 May 2025US$1.4tUS$902.5bUS$82.3b14.8x17.4x1.6x
Wed, 09 Apr 2025US$1.3tUS$897.3bUS$92.9b12.6x14.5x1.5x
Fri, 07 Mar 2025US$1.5tUS$897.4bUS$93.1b13.2x15.7x1.6x
Sun, 02 Feb 2025US$1.4tUS$901.4bUS$90.8b12.7x15.3x1.5x
Tue, 31 Dec 2024US$1.4tUS$892.9bUS$91.5b12.9x14.9x1.5x
Thu, 28 Nov 2024US$1.5tUS$893.2bUS$91.1b13.9x16.2x1.6x
Sat, 26 Oct 2024US$1.4tUS$865.4bUS$90.8b13.5x15.4x1.6x
Mon, 23 Sep 2024US$1.4tUS$855.1bUS$87.4b14.2x15.9x1.6x
Wed, 21 Aug 2024US$1.3tUS$855.4bUS$87.0b13.5x15.4x1.6x
Fri, 19 Jul 2024US$1.2tUS$823.6bUS$80.2b13.7x15.4x1.5x
Sun, 16 Jun 2024US$1.2tUS$823.4bUS$79.2b12.7x14.6x1.4x
Tue, 14 May 2024US$1.2tUS$823.1bUS$79.1b13.1x14.9x1.4x
Thu, 11 Apr 2024US$1.2tUS$792.7bUS$66.9b14.7x17.4x1.5x
Sat, 09 Mar 2024US$1.2tUS$792.2bUS$66.7b14x17.3x1.5x
Mon, 05 Feb 2024US$1.2tUS$800.6bUS$55.3b13.6x20.8x1.4x
Wed, 03 Jan 2024US$1.1tUS$790.2bUS$48.8b13.1x22.7x1.4x
Fri, 01 Dec 2023US$1.1tUS$792.8bUS$47.5b12.7x22.9x1.4x
Sun, 29 Oct 2023US$1.0tUS$807.8bUS$42.9b13.6x23.8x1.3x
Tue, 26 Sep 2023US$1.1tUS$799.3bUS$38.7b14.8x27.1x1.3x
Thu, 24 Aug 2023US$1.0tUS$799.2bUS$38.7b15x26x1.3x
Sat, 22 Jul 2023US$1.0tUS$783.5bUS$37.5b15.6x27x1.3x
Mon, 19 Jun 2023US$975.6bUS$774.5bUS$35.1b16.4x27.8x1.3x
Wed, 17 May 2023US$961.3bUS$774.4bUS$35.1b16.1x27.4x1.2x
Fri, 14 Apr 2023US$972.0bUS$759.1bUS$44.1b15.5x22.1x1.3x
Sun, 12 Mar 2023US$958.0bUS$759.8bUS$44.0b14.9x21.8x1.3x
Tue, 07 Feb 2023US$1.0tUS$778.7bUS$50.5b15.6x20.5x1.3x
Price to Earnings Ratio

20.5x


Total Market Cap: US$1.0tTotal Earnings: US$50.5bTotal Revenue: US$778.7bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Insurance Industry Price to Earnings3Y Average 18.6x202420252026
Current Industry PE
  • Investors are pessimistic on the American 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 13.4x which is lower than its 3-year average PE of 18.6x.
  • The industry is trading close to its 3-year average PS ratio of 1.5x.
Past Earnings Growth
  • The earnings for companies in the Insurance industry have grown 26% per year over the last three years.
  • Revenues for these companies have grown 6.4% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the U.S. Financials industry?

US Market-0.28%
Financials-0.033%
Insurance1.76%
General Insurance4.71%
Reinsurance3.26%
Life and Health Insurance2.69%
Property and Casualty Insurance2.18%
Insurance Brokers-0.13%
Industry PE
  • Investors are most optimistic about the Insurance Brokers industry even though it's trading below its 3-year average PE ratio of 37.1x.
    • Analysts are expecting annual earnings growth of 13.8%, which is higher than its past year's earnings growth of 9.5% per year.
  • Investors are most pessimistic about the General Insurance industry, which is trading below its 3-year average of 12.3x.
Forecasted Growth
  • Analysts are most optimistic on the Reinsurance industry, expecting annual earnings growth of 19% over the next 5 years.
  • This is better than its past earnings decline of 34% per year.
  • In contrast, the Property and Casualty Insurance industry is expected to see its earnings growth to stay flat over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
CB ChubbUS$309.562.9%
+US$3.4b		13.9%PE12.6x
AON AonUS$349.643.2%
+US$2.4b		-5.7%PE27.6x
AFL AflacUS$110.953.6%
+US$2.0b		3.3%PE13.9x
MET MetLifeUS$78.884.0%
+US$2.0b		-8.8%PE14.3x
HIG Hartford Insurance GroupUS$135.065.0%
+US$1.8b		21.1%PE9.9x

Latest News

AJG
US$249.37
Arthur J. Gallagher
7D
-1.5%
1Y
-17.4%
HIG
US$135.06
Hartford Insurance Group
7D
5.0%
1Y
21.1%
AFL
US$110.95
Aflac
7D
3.6%
1Y
3.3%

Aflac's (NYSE:AFL) Dividend Will Be Increased To $0.61

Jan 30
Aflac's (NYSE:AFL) Dividend Will Be Increased To $0.61
MRSH
US$188.19
Marsh & McLennan Companies
7D
2.7%
1Y
-13.2%
AON
US$349.64
Aon
7D
3.2%
1Y
-5.7%
LMND
US$86.73
Lemonade
7D
-7.0%
1Y
160.9%

After Leaping 29% Lemonade, Inc. (NYSE:LMND) Shares Are Not Flying Under The Radar

Jan 29
After Leaping 29% Lemonade, Inc. (NYSE:LMND) Shares Are Not Flying Under The Radar
WTW
US$317.47
Willis Towers Watson
7D
-1.7%
1Y
-3.7%
BRO
US$72.10
Brown & Brown
7D
-8.9%
1Y
-31.1%
MET
US$78.88
MetLife
7D
4.0%
1Y
-8.8%
CB
US$309.56
Chubb
7D
2.9%
1Y
13.9%

CB: AI Optimization And Stable Fundamentals Will Support A Steady Outlook

Analysts nudged their fair value estimate for Chubb higher from US$317.17 to US$320.96. They cited only modest tweaks to projected revenue trends, margins and forward P/E assumptions to reflect their latest views.
TRV
US$284.51
Travelers Companies
7D
2.4%
1Y
16.0%
BWIN
US$21.92
Baldwin Insurance Group
7D
-12.8%
1Y
-46.5%
ARX
US$13.66
Accelerant Holdings
7D
-8.0%
1Y
n/a

Data And AI Execution Risks May Soften Exchange Fee Potential Yet Still Support Upside

Catalysts About Accelerant Holdings Accelerant Holdings operates a specialty insurance risk exchange that connects niche underwriters with risk capital providers and earns primarily fee-based revenue. What are the underlying business or industry changes driving this perspective?
ALL
US$198.99
Allstate
7D
2.8%
1Y
3.5%

ALL: Higher Margins And Buybacks Will Support Stronger Long-Term Upside

Analysts have lifted their price target on Allstate from US$275 to about US$290, citing updated assumptions that include adjusted revenue growth expectations, a different discount rate, a revised profit margin outlook, and a slightly lower future P/E multiple. What's in the News Allstate estimated catastrophe losses of US$83 million, or US$65 million after tax, for October 2025 from five wind and hail events, highlighting recent weather related impacts on results (Corporate Guidance: Unusual Events).
OSCR
US$14.35
Oscar Health
7D
-8.5%
1Y
-13.6%

OSCR: Miami Dade Execution And Exchange Resilience Will Drive Future Upside

Analysts have raised their price target on Oscar Health to about $24.15 from $14.00, citing improved views on the company’s ability to grow exchange enrollment and earnings power. Some also highlight what they see as fairly valued shares and the potential for both market share gains and profitability in key regions like Miami-Dade.
BNT
US$45.63
Brookfield Wealth Solutions
7D
-3.0%
1Y
11.8%

Investors Don't See Light At End Of Brookfield Wealth Solutions Ltd.'s (NYSE:BNT) Tunnel

Jan 16
Investors Don't See Light At End Of Brookfield Wealth Solutions Ltd.'s (NYSE:BNT) Tunnel