Fidelity National Financial, Inc. Just Missed Earnings - But Analysts Have Updated Their Models
May 11
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U.S. Insurance Industry Analysis
UpdatedMay 11, 2025
DataAggregated Company Financials
Companies125
- 7D0.5%
- 3M3.1%
- 1Y16.0%
- YTD6.6%
In the last week, the Insurance industry is flat overall, with Fidelity National Financial standing out by going down 11%. As for the the longer term, the industry is up 16% over the past 12 months. As for the next few years, earnings are expected to grow by 12% per annum.
Industry Valuation and Performance
Has the U.S. Insurance Industry valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sun, 11 May 2025 | US$1.4t | US$902.5b | US$82.3b | 14.8x | 17.6x | 1.6x |
| Tue, 08 Apr 2025 | US$1.4t | US$897.3b | US$92.9b | 12.6x | 14.8x | 1.5x |
| Thu, 06 Mar 2025 | US$1.5t | US$897.5b | US$93.1b | 13.2x | 15.6x | 1.6x |
| Sat, 01 Feb 2025 | US$1.4t | US$901.4b | US$90.8b | 12.7x | 15.5x | 1.6x |
| Mon, 30 Dec 2024 | US$1.4t | US$892.9b | US$91.5b | 13x | 14.9x | 1.5x |
| Wed, 27 Nov 2024 | US$1.4t | US$893.2b | US$91.1b | 13.9x | 15.9x | 1.6x |
| Fri, 25 Oct 2024 | US$1.4t | US$862.1b | US$89.8b | 13.4x | 15.6x | 1.6x |
| Sun, 22 Sep 2024 | US$1.4t | US$855.1b | US$87.4b | 14.2x | 15.9x | 1.6x |
| Tue, 20 Aug 2024 | US$1.3t | US$855.4b | US$87.0b | 13.7x | 15.3x | 1.6x |
| Thu, 18 Jul 2024 | US$1.2t | US$823.6b | US$80.2b | 13.7x | 15.2x | 1.5x |
| Sat, 15 Jun 2024 | US$1.2t | US$823.4b | US$79.2b | 12.7x | 14.7x | 1.4x |
| Mon, 13 May 2024 | US$1.2t | US$823.1b | US$79.1b | 13.1x | 15x | 1.4x |
| Wed, 10 Apr 2024 | US$1.2t | US$792.7b | US$66.9b | 14.7x | 17.7x | 1.5x |
| Fri, 08 Mar 2024 | US$1.2t | US$792.1b | US$66.7b | 14.3x | 17.4x | 1.5x |
| Sun, 04 Feb 2024 | US$1.2t | US$800.6b | US$55.3b | 13.6x | 20.8x | 1.4x |
| Tue, 02 Jan 2024 | US$1.1t | US$792.9b | US$47.7b | 13x | 23x | 1.4x |
| Thu, 30 Nov 2023 | US$1.1t | US$792.8b | US$47.5b | 12.7x | 23x | 1.4x |
| Sat, 28 Oct 2023 | US$1.0t | US$807.8b | US$42.9b | 13.6x | 23.8x | 1.3x |
| Mon, 25 Sep 2023 | US$1.1t | US$799.3b | US$38.7b | 14.8x | 27.1x | 1.3x |
| Wed, 23 Aug 2023 | US$997.9b | US$799.1b | US$38.6b | 15x | 25.8x | 1.2x |
| Fri, 21 Jul 2023 | US$1.0t | US$783.0b | US$37.3b | 15.7x | 27.1x | 1.3x |
| Sun, 18 Jun 2023 | US$975.5b | US$774.5b | US$35.1b | 16.4x | 27.8x | 1.3x |
| Tue, 16 May 2023 | US$969.5b | US$774.0b | US$35.7b | 15.5x | 27.1x | 1.3x |
| Thu, 13 Apr 2023 | US$976.0b | US$759.1b | US$44.1b | 15.5x | 22.1x | 1.3x |
| Sat, 11 Mar 2023 | US$958.0b | US$759.8b | US$44.0b | 14.9x | 21.8x | 1.3x |
| Mon, 06 Feb 2023 | US$1.0t | US$778.7b | US$50.5b | 15.2x | 20.3x | 1.3x |
| Wed, 04 Jan 2023 | US$1.0t | US$777.8b | US$54.7b | 14.9x | 18.5x | 1.3x |
| Fri, 02 Dec 2022 | US$1.0t | US$777.8b | US$54.6b | 14.4x | 19x | 1.3x |
| Sun, 30 Oct 2022 | US$1.0t | US$769.9b | US$60.1b | 14.9x | 16.7x | 1.3x |
| Tue, 27 Sep 2022 | US$879.0b | US$767.1b | US$63.3b | 12.8x | 13.9x | 1.1x |
| Thu, 25 Aug 2022 | US$961.4b | US$767.3b | US$63.3b | 13.8x | 15.2x | 1.3x |
| Sat, 23 Jul 2022 | US$938.8b | US$783.0b | US$77.3b | 11.5x | 12.1x | 1.2x |
| Mon, 20 Jun 2022 | US$915.6b | US$787.8b | US$79.3b | 11.1x | 11.5x | 1.2x |
| Wed, 18 May 2022 | US$1.0t | US$787.9b | US$79.3b | 11.5x | 12.9x | 1.3x |
Price to Earnings Ratio
12.9x
Current Industry PE
- Investors are relatively neutral on the American Insurance industry at the moment, indicating that they anticipate long term growth rates to remain steady.
- The industry is trading close to its 3-year average PE ratio of 18.6x.
- The 3-year average PS ratio of 1.4x is lower than the industry's current PS ratio of 1.6x.
Past Earnings Growth
- The earnings for companies in the Insurance industry have remained mostly flat over the last three years.
- Meanwhile revenues for these companies have grown 4.6% per year.
- This means that although more sales are being generated, either the cost of doing business or the level of investment back into businesses has increased and as a result, profits have held steady.
Industry Trends
Which industries have driven the changes within the U.S. Financials industry?
| US Market | -0.26% | |
| Financials | 0.34% | |
| Insurance | 0.48% | |
| Reinsurance | 2.19% | |
| Life and Health Insurance | 0.51% | |
| Insurance Brokers | 0.46% | |
| Property and Casualty Insurance | 0.35% | |
| General Insurance | -0.36% | |
Industry PE
- Investors are most optimistic about the Insurance Brokers industry which is trading above its 3-year average PE ratio of 36.3x.
- Analysts are expecting annual earnings growth of 21.5%, which is higher than its past year's earnings growth of 9.5% per year.
- Investors are most pessimistic about the Life and Health Insurance industry, which is trading below its 3-year average of 43.6x.
Forecasted Growth
- Analysts are most optimistic on the Reinsurance industry, expecting annual earnings growth of 23% over the next 5 years.
- This is better than its past earnings decline of 43% per year.
- In contrast, the Property and Casualty Insurance industry is expected to see its earnings grow by 8.0% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| AJG Arthur J. Gallagher | US$338.18 | 2.1% +US$1.8b | 34.8% | PE55.6x | |
| CB Chubb | US$289.88 | 0.9% +US$1.0b | 13.7% | PE13.7x | |
| OSCR Oscar Health | US$17.11 | 29.6% +US$996.8m | -20.9% | PE35.3x | |
| PGR Progressive | US$284.51 | 0.6% +US$993.1m | 31.9% | PE19.1x | |
| ALL Allstate | US$202.64 | 1.7% +US$884.5m | 17.3% | PE13.7x |
