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U.S. Insurance Industry Analysis
UpdatedMay 25, 2025
DataAggregated Company Financials
Companies127
- 7D-2.7%
- 3M0.8%
- 1Y15.8%
- YTD5.5%
Over the last 7 days, the Insurance industry has dropped 2.7%, driven by a pullback from Progressive of 3.1%. In the past year, the industry has gained 16%. As for the next few years, earnings are expected to grow by 13% 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 |
|---|---|---|---|---|---|---|
| Mon, 26 May 2025 | US$1.4t | US$902.8b | US$82.1b | 14.9x | 17.5x | 1.6x |
| Wed, 23 Apr 2025 | US$1.4t | US$898.8b | US$92.2b | 13.3x | 14.9x | 1.5x |
| Fri, 21 Mar 2025 | US$1.5t | US$897.3b | US$93.0b | 13.9x | 15.7x | 1.6x |
| Sun, 16 Feb 2025 | US$1.4t | US$895.6b | US$93.1b | 12.7x | 15x | 1.6x |
| Tue, 14 Jan 2025 | US$1.3t | US$892.9b | US$91.5b | 12.6x | 14.4x | 1.5x |
| Thu, 12 Dec 2024 | US$1.4t | US$893.2b | US$91.1b | 13.1x | 15.1x | 1.5x |
| Sat, 09 Nov 2024 | US$1.4t | US$891.6b | US$91.1b | 12.8x | 15.4x | 1.6x |
| Mon, 07 Oct 2024 | US$1.4t | US$855.0b | US$87.4b | 14.4x | 16x | 1.6x |
| Wed, 04 Sep 2024 | US$1.4t | US$855.4b | US$87.0b | 14x | 16x | 1.6x |
| Fri, 02 Aug 2024 | US$1.3t | US$849.9b | US$86.8b | 13.6x | 15.2x | 1.5x |
| Sun, 30 Jun 2024 | US$1.2t | US$823.4b | US$79.2b | 13.3x | 14.8x | 1.4x |
| Tue, 28 May 2024 | US$1.2t | US$823.4b | US$79.2b | 12.6x | 14.9x | 1.4x |
| Thu, 25 Apr 2024 | US$1.2t | US$800.1b | US$69.6b | 14.6x | 16.7x | 1.5x |
| Sat, 23 Mar 2024 | US$1.2t | US$792.6b | US$67.0b | 14.5x | 17.6x | 1.5x |
| Mon, 19 Feb 2024 | US$1.1t | US$783.4b | US$65.5b | 13.2x | 17.2x | 1.4x |
| Wed, 17 Jan 2024 | US$1.1t | US$790.2b | US$48.8b | 12.8x | 23.1x | 1.4x |
| Fri, 15 Dec 2023 | US$1.1t | US$792.9b | US$47.7b | 13.3x | 23.4x | 1.4x |
| Sun, 12 Nov 2023 | US$1.1t | US$792.8b | US$47.2b | 12.3x | 22.6x | 1.3x |
| Tue, 10 Oct 2023 | US$1.0t | US$799.1b | US$38.9b | 14.9x | 26.7x | 1.3x |
| Thu, 07 Sep 2023 | US$1.0t | US$799.3b | US$38.7b | 15.1x | 26.3x | 1.3x |
| Sat, 05 Aug 2023 | US$1.0t | US$798.1b | US$40.6b | 15.9x | 25.2x | 1.3x |
| Mon, 03 Jul 2023 | US$987.0b | US$777.7b | US$36.9b | 15.1x | 26.7x | 1.3x |
| Wed, 31 May 2023 | US$943.2b | US$774.5b | US$35.1b | 15.1x | 26.8x | 1.2x |
| Fri, 28 Apr 2023 | US$976.7b | US$753.2b | US$44.4b | 15.1x | 22x | 1.3x |
| Sun, 26 Mar 2023 | US$918.4b | US$759.4b | US$44.2b | 14.5x | 20.8x | 1.2x |
| Tue, 21 Feb 2023 | US$1.0t | US$766.9b | US$43.2b | 16.3x | 24x | 1.4x |
| Thu, 19 Jan 2023 | US$1.0t | US$778.5b | US$54.7b | 14.7x | 18.7x | 1.3x |
| Sat, 17 Dec 2022 | US$993.5b | US$777.8b | US$54.7b | 14.7x | 18.2x | 1.3x |
| Mon, 14 Nov 2022 | US$1.0t | US$774.6b | US$53.9b | 13.8x | 18.6x | 1.3x |
| Wed, 12 Oct 2022 | US$917.5b | US$767.1b | US$63.3b | 13.6x | 14.5x | 1.2x |
| Fri, 09 Sep 2022 | US$959.4b | US$767.2b | US$63.2b | 13.9x | 15.2x | 1.3x |
| Sun, 07 Aug 2022 | US$885.4b | US$762.1b | US$58.2b | 13.4x | 15.2x | 1.2x |
| Tue, 05 Jul 2022 | US$967.8b | US$783.4b | US$78.7b | 12.1x | 12.3x | 1.2x |
| Thu, 02 Jun 2022 | US$1.0t | US$787.8b | US$79.2b | 12x | 13.2x | 1.3x |
Price to Earnings Ratio
13.2x
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 | -2.65% | |
| Financials | -3.22% | |
| Insurance | -2.68% | |
| Insurance Brokers | -1.29% | |
| General Insurance | -1.40% | |
| Property and Casualty Insurance | -2.75% | |
| Reinsurance | -3.38% | |
| Life and Health Insurance | -4.53% | |
Industry PE
- Investors are most optimistic about the Insurance Brokers industry which is trading above its 3-year average PE ratio of 36.4x.
- Analysts are expecting annual earnings growth of 22.7%, 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 7.9% 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 | |
|---|---|---|---|---|---|
| PLMR Palomar Holdings | US$162.56 | 2.1% +US$89.3m | 98.9% | PE32.4x | |
| KFS Kingsway Financial Services | US$11.83 | 14.9% +US$42.1m | 47.9% | PS2.8x | |
| JRVR James River Group Holdings | US$5.44 | 12.9% +US$28.5m | -27.1% | PS0.4x | |
| AHL Aspen Insurance Holdings | US$34.99 | 0.7% +US$23.0m | n/a | PE7.5x | |
| TWFG TWFG | US$35.15 | 4.0% +US$20.1m | n/a | PS2.5x |
