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U.S. Insurance Industry Analysis

UpdatedAug 10, 2025
DataAggregated Company Financials
Companies129
  • 7D2.4%
  • 3M-5.0%
  • 1Y6.5%
  • YTD1.5%

Over the last 7 days, the Insurance industry has risen 2.3%, and Progressive contributed the most with a gain of 2.2%. Meanwhile, Kemper actually underperformed within the industry, shrinking 16% in the last week. In the last 12 months, the industry was up 6.5%. Earnings are forecast to grow by 10% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 10 Aug 2025US$1.4tUS$918.1bUS$88.4b14x15.6x1.5x
Tue, 08 Jul 2025US$1.4tUS$903.0bUS$82.1b14.5x17.3x1.6x
Thu, 05 Jun 2025US$1.5tUS$902.7bUS$82.3b14.8x17.9x1.6x
Sat, 03 May 2025US$1.4tUS$896.4bUS$84.9b14.3x16.6x1.6x
Mon, 31 Mar 2025US$1.5tUS$897.3bUS$93.0b14.1x16x1.7x
Wed, 26 Feb 2025US$1.4tUS$895.7bUS$94.4b12.3x15x1.6x
Fri, 24 Jan 2025US$1.4tUS$894.1bUS$91.8b12.6x15x1.5x
Sun, 22 Dec 2024US$1.4tUS$893.2bUS$91.1b13.1x14.8x1.5x
Tue, 19 Nov 2024US$1.4tUS$893.3bUS$91.0b13.5x15.6x1.6x
Thu, 17 Oct 2024US$1.4tUS$859.2bUS$88.6b14.2x15.9x1.6x
Sat, 14 Sep 2024US$1.4tUS$855.5bUS$87.0b14.2x15.8x1.6x
Mon, 12 Aug 2024US$1.3tUS$855.4bUS$87.0b13.6x14.8x1.5x
Wed, 10 Jul 2024US$1.2tUS$823.2bUS$79.2b13.4x14.8x1.4x
Fri, 07 Jun 2024US$1.2tUS$823.4bUS$79.2b12.6x14.9x1.4x
Sun, 05 May 2024US$1.1tUS$818.7bUS$78.8b14.1x14.6x1.4x
Tue, 02 Apr 2024US$1.2tUS$792.6bUS$66.9b15.1x18x1.5x
Thu, 29 Feb 2024US$1.1tUS$791.9bUS$66.2b14.8x17.3x1.4x
Sat, 27 Jan 2024US$1.2tUS$794.8bUS$49.9b13.2x23.2x1.5x
Mon, 25 Dec 2023US$1.1tUS$792.9bUS$47.7b12.7x22.8x1.4x
Wed, 22 Nov 2023US$1.1tUS$792.6bUS$47.3b13x22.8x1.4x
Fri, 20 Oct 2023US$1.0tUS$804.2bUS$40.0b15x26.2x1.3x
Sun, 17 Sep 2023US$1.0tUS$799.3bUS$38.7b14.9x26.9x1.3x
Tue, 15 Aug 2023US$1.0tUS$799.0bUS$38.5b15.2x26.5x1.3x
Thu, 13 Jul 2023US$990.6bUS$777.8bUS$36.9b15.2x26.8x1.3x
Sat, 10 Jun 2023US$966.2bUS$774.5bUS$35.1b15.3x27.5x1.2x
Mon, 08 May 2023US$970.9bUS$772.6bUS$41.0b15.2x23.7x1.3x
Wed, 05 Apr 2023US$954.7bUS$759.1bUS$44.1b14.8x21.7x1.3x
Fri, 03 Mar 2023US$1.0tUS$760.0bUS$44.0b16.2x23.1x1.3x
Sun, 29 Jan 2023US$1.0tUS$780.3bUS$53.6b15.9x19.4x1.3x
Tue, 27 Dec 2022US$1.0tUS$777.8bUS$54.7b14.8x18.6x1.3x
Thu, 24 Nov 2022US$1.0tUS$774.4bUS$53.9b14.5x19.1x1.3x
Sat, 22 Oct 2022US$947.0bUS$769.3bUS$63.5b13.5x14.9x1.2x
Mon, 19 Sep 2022US$948.5bUS$795.2bUS$74.2b13.7x12.8x1.2x
Wed, 17 Aug 2022US$940.4bUS$758.4bUS$63.3b14x14.9x1.2x
Price to Earnings Ratio

14.9x


Total Market Cap: US$940.4bTotal Earnings: US$63.3bTotal Revenue: US$758.4bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Insurance Industry Price to Earnings3Y Average 18.9x202320242025
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 15.5x which is lower than its 3-year average PE of 18.9x.
  • The industry is trading close to its 3-year average PS ratio of 1.4x.
Past Earnings Growth
  • The earnings for companies in the Insurance industry have grown 12% per year over the last three years.
  • Revenues for these companies have grown 6.6% 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 Market2.39%
Financials1.01%
Insurance2.36%
General Insurance6.88%
Life and Health Insurance2.95%
Insurance Brokers2.53%
Property and Casualty Insurance2.16%
Reinsurance0.82%
Industry PE
  • Investors are most optimistic about the Insurance Brokers industry, which is trading close to its 3-year average PE ratio of 36.8x.
    • Analysts are expecting annual earnings growth of 20.3%, which is higher than its past year's earnings growth of 2.5% per year.
  • Investors are most pessimistic about the Reinsurance industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average.
Forecasted Growth
  • Analysts are most optimistic on the Reinsurance industry, expecting annual earnings growth of 21% 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 grow by 3.1% 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$246.512.2%
+US$3.2b		11.2%PE13.9x
MMC Marsh & McLennan CompaniesUS$203.673.0%
+US$2.9b		-7.4%PE24.3x
AON AonUS$366.403.7%
+US$2.8b		11.2%PE30.4x
AFL AflacUS$103.525.5%
+US$2.3b		2.3%PE22.7x
ALL AllstateUS$206.803.5%
+US$1.9b		20.9%PE9.6x

Latest News

AIG
US$78.13
American International Group
7D
1.5%
1Y
8.4%
AGO
US$81.89
Assured Guaranty
7D
-2.3%
1Y
10.7%
AHL
US$28.83
Aspen Insurance Holdings
7D
-7.7%
1Y
n/a
AFL
US$103.52
Aflac
7D
5.5%
1Y
2.3%
BWIN
US$32.27
Baldwin Insurance Group
7D
-8.6%
1Y
-22.9%
ROOT
US$88.26
Root
7D
-24.4%
1Y
91.3%
KMPR
US$50.27
Kemper
7D
-16.3%
1Y
-16.6%
AON
US$366.40
Aon
7D
3.7%
1Y
11.2%
ALL
US$206.80
Allstate
7D
3.5%
1Y
20.9%
TRV
US$264.87
Travelers Companies
7D
2.5%
1Y
24.7%
PLMR
US$120.38
Palomar Holdings
7D
-7.1%
1Y
33.9%
HIG
US$128.16
Hartford Insurance Group
7D
4.2%
1Y
18.4%
MKL
US$1,910.42
Markel Group
7D
-1.0%
1Y
25.5%
PGR
US$246.51
Progressive
7D
2.2%
1Y
11.2%
CB
US$271.24
Chubb
7D
1.4%
1Y
0.4%
MMC
US$203.67
Marsh & McLennan Companies
7D
3.0%
1Y
-7.4%