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U.S. Insurance Industry Analysis

UpdatedFeb 07, 2026
DataAggregated Company Financials
Companies128
  • 7D1.6%
  • 3M2.2%
  • 1Y-1.8%
  • YTD0.4%

In the last week, the Insurance industry is up 1.6%, with Chubb up 6.9%. Despite this gain, the industry's performance has been flat over the past year. Earnings are forecast to grow by 4.5% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sat, 07 Feb 2026US$1.4tUS$946.4bUS$107.0b12.9x12.8x1.5x
Mon, 05 Jan 2026US$1.4tUS$931.1bUS$99.3b12.9x13.9x1.5x
Wed, 03 Dec 2025US$1.4tUS$931.0bUS$99.2b13.1x13.8x1.5x
Fri, 31 Oct 2025US$1.3tUS$926.2bUS$92.5b13.2x14.2x1.4x
Sun, 28 Sep 2025US$1.4tUS$919.1bUS$88.7b13.6x15.9x1.5x
Tue, 26 Aug 2025US$1.4tUS$918.4bUS$88.5b14.6x16x1.5x
Thu, 24 Jul 2025US$1.4tUS$910.3bUS$85.7b14.5x16.3x1.5x
Sat, 21 Jun 2025US$1.4tUS$904.1bUS$82.6b14.1x17.1x1.6x
Mon, 19 May 2025US$1.5tUS$902.8bUS$82.1b15.2x17.7x1.6x
Wed, 16 Apr 2025US$1.4tUS$897.3bUS$92.9b13.4x15.5x1.6x
Fri, 14 Mar 2025US$1.4tUS$897.4bUS$93.0b12.8x15.3x1.6x
Sun, 09 Feb 2025US$1.4tUS$904.8bUS$95.8b12.4x14.7x1.6x
Tue, 07 Jan 2025US$1.4tUS$892.9bUS$91.5b13x14.9x1.5x
Thu, 05 Dec 2024US$1.5tUS$893.2bUS$91.1b13.4x15.9x1.6x
Sat, 02 Nov 2024US$1.4tUS$884.9bUS$89.5b13.3x15.3x1.5x
Mon, 30 Sep 2024US$1.4tUS$855.0bUS$87.4b13.9x15.9x1.6x
Wed, 28 Aug 2024US$1.4tUS$855.4bUS$87.0b14x15.6x1.6x
Fri, 26 Jul 2024US$1.2tUS$828.3bUS$81.5b13x14.8x1.5x
Sun, 23 Jun 2024US$1.2tUS$823.4bUS$79.2b13.1x15x1.4x
Tue, 21 May 2024US$1.2tUS$823.1bUS$79.1b12.5x15.2x1.5x
Thu, 18 Apr 2024US$1.1tUS$797.1bUS$68.9b14.6x16.3x1.4x
Sat, 16 Mar 2024US$1.2tUS$792.5bUS$66.9b14.4x17.5x1.5x
Mon, 12 Feb 2024US$1.1tUS$784.4bUS$61.3b12.2x18.1x1.4x
Wed, 10 Jan 2024US$1.1tUS$790.2bUS$48.8b12.7x22.7x1.4x
Fri, 08 Dec 2023US$1.1tUS$792.7bUS$47.5b13.1x23x1.4x
Sun, 05 Nov 2023US$1.1tUS$790.3bUS$46.8b12.8x22.7x1.3x
Tue, 03 Oct 2023US$1.0tUS$799.1bUS$38.9b14.5x26.4x1.3x
Thu, 31 Aug 2023US$1.0tUS$799.3bUS$38.7b15.2x26.5x1.3x
Sat, 29 Jul 2023US$1.0tUS$791.2bUS$41.3b15.6x24.7x1.3x
Mon, 26 Jun 2023US$964.1bUS$774.5bUS$35.1b15.7x27.4x1.2x
Wed, 24 May 2023US$959.6bUS$774.0bUS$35.6b15.4x27x1.2x
Fri, 21 Apr 2023US$987.7bUS$760.4bUS$44.2b15.9x22.3x1.3x
Sun, 19 Mar 2023US$905.6bUS$759.4bUS$44.2b14.5x20.5x1.2x
Tue, 14 Feb 2023US$1.1tUS$767.1bUS$47.1b16.2x22.3x1.4x
Price to Earnings Ratio

22.3x


Total Market Cap: US$1.1tTotal Earnings: US$47.1bTotal Revenue: US$767.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Insurance Industry Price to Earnings3Y Average 18.5x202420252026
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 12.8x which is lower than its 3-year average PE of 18.5x.
  • 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 31% per year over the last three years.
  • Revenues for these companies have grown 7.3% 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-0.12%
Financials1.27%
Insurance1.63%
Reinsurance5.18%
Property and Casualty Insurance3.36%
Life and Health Insurance-0.24%
Insurance Brokers-1.44%
General Insurance-3.76%
Industry PE
  • Investors are most optimistic about the Insurance Brokers industry even though it's trading below its 3-year average PE ratio of 37.0x.
    • Analysts are expecting annual earnings growth of 13.4%, which is lower than the prior year's growth of 23.3% per year.
  • Investors are most pessimistic about the Reinsurance industry, which is trading below its 3-year average of 16.9x.
Forecasted Growth
  • Analysts are most optimistic on the Insurance Brokers industry, expecting annual earnings growth of 13% over the next 5 years.
  • However this is lower than its past earnings growth rate of 23% 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$330.976.9%
+US$7.6b		22.5%PE12.6x
TRV Travelers CompaniesUS$301.496.0%
+US$3.7b		23.0%PE10.5x
AFL AflacUS$117.155.6%
+US$2.6b		13.1%PE16.7x
HIG Hartford Insurance GroupUS$142.565.6%
+US$2.1b		25.6%PE10.3x
ALL AllstateUS$207.554.3%
+US$1.9b		9.1%PE5.3x

Latest News

PRU
US$102.80
Prudential Financial
7D
-7.5%
1Y
-8.9%

Prudential Financial (NYSE:PRU) Will Pay A Larger Dividend Than Last Year At $1.40

Feb 07
Prudential Financial (NYSE:PRU) Will Pay A Larger Dividend Than Last Year At $1.40
TRV
US$301.49
Travelers Companies
7D
6.0%
1Y
23.0%
CB
US$330.97
Chubb
7D
6.9%
1Y
22.5%
AFL
US$117.15
Aflac
7D
5.6%
1Y
13.1%
RGA
US$225.36
Reinsurance Group of America
7D
11.2%
1Y
8.1%
ALL
US$207.55
Allstate
7D
4.3%
1Y
9.1%
LMND
US$74.26
Lemonade
7D
-14.4%
1Y
102.2%

LMND: Tesla Partnership And Sector Softness Will Likely Balance Profit Recovery Hopes

Narrative Update: Analyst Price Target Shift for Lemonade Analysts have nudged their price targets on Lemonade higher by up to US$7 in recent research, reflecting updated models around its Tesla partnership, evolving views on the auto insurance opportunity, and revised long term assumptions that keep fair value estimates broadly unchanged. Analyst Commentary Recent research paints a mixed picture of Lemonade, with several firms lifting price targets on the back of updated assumptions around its auto offering and the Tesla partnership, while others keep more cautious ratings in place.
MET
US$76.38
MetLife
7D
-3.2%
1Y
-9.0%
CINF
US$172.65
Cincinnati Financial
7D
7.3%
1Y
26.1%
AJG
US$241.58
Arthur J. Gallagher
7D
-3.1%
1Y
-25.1%

AJG: Softer Cycle And AssuredPartners Integration Set Up 2026 Recovery

Analysts have modestly reduced their price targets on Arthur J. Gallagher in recent weeks, with the updated fair value estimate moving from about $293.56 to $288.50 as they factor in softer revenue growth assumptions, slightly lower future P/E expectations, and relatively stronger profit margin forecasts reflected across new research from firms revising targets and ratings.
MRSH
US$185.03
Marsh & McLennan Companies
7D
-1.7%
1Y
-18.6%

MRSH: Future Earnings Should Stay Resilient As P And C Cycle Softens

Analysts have inched their blended price target for Marsh & McLennan Companies up by about $1.70 to roughly $209, reflecting updated assumptions around modestly lower revenue, a slightly higher projected profit margin, and a somewhat lower future P/E multiple. Analyst Commentary Recent research on Marsh & McLennan Companies reflects a mix of optimism and caution, with several firms revisiting their price targets as they refresh sector views and look ahead to 2026.
HIG
US$142.56
Hartford Insurance Group
7D
5.6%
1Y
25.6%
OSCR
US$12.24
Oscar Health
7D
-14.7%
1Y
-16.7%

OSCR: Pricing Discipline And Florida Expansion Will Shape Future Earnings Power

Analysts have nudged their fair value estimate for Oscar Health higher to about $15.78 from $15.22, citing updated work on pricing and benefit design, exchange enrollment resilience despite subsidy changes, and expectations for a slightly richer future P/E multiple. Analyst Commentary Recent Street research on Oscar Health points to a mix of optimism about execution in key markets and some lingering caution around pricing, product mix, and longer term earnings power.
AON
US$342.04
Aon
7D
-2.2%
1Y
-11.5%
PGR
US$202.29
Progressive
7D
-2.7%
1Y
-19.3%
ACGL
US$100.95
Arch Capital Group
7D
5.1%
1Y
8.0%