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U.S. Insurance Industry Analysis

UpdatedMay 20, 2025
DataAggregated Company Financials
Companies125
  • 7D1.8%
  • 3M4.4%
  • 1Y18.3%
  • YTD8.7%

In the last week, the Insurance industry is up 1.8%, with Progressive up 2.9%. In the same time, Root was down 10%. This means that the industry has gained 18% over the past year. Looking forward, earnings are forecast to grow by 13% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Tue, 20 May 2025US$1.5tUS$902.7bUS$82.1b15.4x17.9x1.6x
Thu, 17 Apr 2025US$1.4tUS$897.9bUS$92.2b13.2x15.5x1.6x
Sat, 15 Mar 2025US$1.4tUS$897.3bUS$93.0b13.6x15.4x1.6x
Mon, 10 Feb 2025US$1.4tUS$904.8bUS$95.8b12.4x14.7x1.6x
Wed, 08 Jan 2025US$1.3tUS$892.9bUS$91.5b12.9x14.7x1.5x
Fri, 06 Dec 2024US$1.4tUS$893.2bUS$91.1b13.5x15.9x1.6x
Sun, 03 Nov 2024US$1.4tUS$884.3bUS$91.3b13.4x14.8x1.5x
Tue, 01 Oct 2024US$1.4tUS$855.0bUS$87.4b14x15.9x1.6x
Thu, 29 Aug 2024US$1.4tUS$855.4bUS$87.0b14x15.7x1.6x
Sat, 27 Jul 2024US$1.2tUS$830.1bUS$81.5b13.4x14.8x1.5x
Mon, 24 Jun 2024US$1.2tUS$823.4bUS$79.2b13.1x15x1.4x
Wed, 22 May 2024US$1.2tUS$823.1bUS$79.1b12.5x15x1.4x
Fri, 19 Apr 2024US$1.1tUS$797.7bUS$69.1b14.1x16.5x1.4x
Sun, 17 Mar 2024US$1.2tUS$792.7bUS$67.0b14.4x17.6x1.5x
Tue, 13 Feb 2024US$1.1tUS$784.4bUS$61.3b12.3x18.1x1.4x
Thu, 11 Jan 2024US$1.1tUS$790.2bUS$48.8b12.9x22.7x1.4x
Sat, 09 Dec 2023US$1.1tUS$792.9bUS$47.7b13.5x22.9x1.4x
Mon, 06 Nov 2023US$1.1tUS$790.3bUS$46.8b12.8x22.7x1.3x
Wed, 04 Oct 2023US$1.0tUS$799.1bUS$38.9b14.4x26.3x1.3x
Fri, 01 Sep 2023US$1.0tUS$799.3bUS$38.7b15x26.4x1.3x
Sun, 30 Jul 2023US$1.0tUS$791.2bUS$41.3b15.6x24.7x1.3x
Tue, 27 Jun 2023US$964.6bUS$774.5bUS$35.1b14.9x27.4x1.2x
Thu, 25 May 2023US$946.0bUS$774.0bUS$35.6b15.4x26.6x1.2x
Sat, 22 Apr 2023US$979.2bUS$760.4bUS$43.9b15.7x22.3x1.3x
Mon, 20 Mar 2023US$905.4bUS$759.4bUS$44.2b14.5x20.5x1.2x
Wed, 15 Feb 2023US$1.0tUS$767.9bUS$47.4b15.9x21.9x1.4x
Fri, 13 Jan 2023US$1.0tUS$777.9bUS$54.7b15x19x1.3x
Sun, 11 Dec 2022US$1.0tUS$777.8bUS$54.7b14.7x18.5x1.3x
Tue, 08 Nov 2022US$995.2bUS$774.8bUS$54.6b15.7x18.2x1.3x
Thu, 06 Oct 2022US$936.6bUS$767.1bUS$63.3b14x14.8x1.2x
Sat, 03 Sep 2022US$931.3bUS$767.2bUS$63.2b13.3x14.7x1.2x
Mon, 01 Aug 2022US$892.7bUS$768.7bUS$70.2b11.9x12.7x1.2x
Wed, 29 Jun 2022US$964.9bUS$787.8bUS$79.3b11.9x12.2x1.2x
Fri, 27 May 2022US$1.0tUS$787.9bUS$79.3b11.1x12.9x1.3x
Price to Earnings Ratio

12.9x


Total Market Cap: US$1.0tTotal Earnings: US$79.3bTotal Revenue: US$787.9bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Insurance Industry Price to Earnings3Y Average 18.6x202320242025
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 Market1.58%
Financials1.43%
Insurance1.82%
General Insurance4.57%
Insurance Brokers2.59%
Property and Casualty Insurance1.91%
Life and Health Insurance0.63%
Reinsurance0.47%
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 22.8%, 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?

CompanyLast Price7D1YValuation
PGR ProgressiveUS$288.242.9%
+US$4.7b		39.3%PE19.4x
AJG Arthur J. GallagherUS$343.823.8%
+US$3.2b		34.1%PE56.5x
AON AonUS$364.963.2%
+US$2.5b		24.6%PE30.9x
MMC Marsh & McLennan CompaniesUS$231.842.1%
+US$2.4b		10.8%PE28.3x
ALL AllstateUS$209.953.7%
+US$2.0b		25.1%PE14.2x
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TRV

US$274.54

Travelers Companies

7D

2.4%

1Y

27.3%

AJG

US$343.82

Arthur J. Gallagher

7D

3.8%

1Y

34.1%

CB

US$294.58

Chubb

7D

1.7%

1Y

11.5%

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HIG

US$131.67

Hartford Insurance Group

7D

2.4%

1Y

29.0%

PGR

US$288.24

Progressive

7D

2.9%

1Y

39.3%

LNC

US$34.28

Lincoln National

7D

-2.1%

1Y

14.1%

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May 16
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MMC

US$231.84

Marsh & McLennan Companies

7D

2.1%

1Y

10.8%

ROOT

US$136.53

Root

7D

-10.2%

1Y

114.1%

SIGI

US$89.66

Selective Insurance Group

7D

-0.6%

1Y

-7.4%

KMPR

US$64.60

Kemper

7D

-1.4%

1Y

8.6%

AGO

US$86.11

Assured Guaranty

7D

-1.5%

1Y

14.5%

AHL

US$34.18

Aspen Insurance Holdings

7D

-1.6%

1Y

n/a

CNA

US$48.63

CNA Financial

7D

-0.6%

1Y

9.5%

ALL

US$209.95

Allstate

7D

3.7%

1Y

25.1%

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May 02

AON

US$364.96

Aon

7D

3.2%

1Y

24.6%

PFG

US$81.30

Principal Financial Group

7D

-0.5%

1Y

-2.7%

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Apr 29
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