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U.S. Insurance Industry Analysis

UpdatedAug 12, 2025
DataAggregated Company Financials
Companies128
  • 7D1.3%
  • 3M-4.5%
  • 1Y7.1%
  • YTD1.5%

The Insurance industry is up 1.3% in the last week, with Aflac up 4.7%. This means that the industry has gained 7.1% over the past year. Looking forward, 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
Wed, 13 Aug 2025US$1.4tUS$918.2bUS$88.4b14.4x15.6x1.5x
Fri, 11 Jul 2025US$1.4tUS$902.8bUS$82.1b14.4x17x1.6x
Sun, 08 Jun 2025US$1.5tUS$902.8bUS$82.3b14.9x17.7x1.6x
Tue, 06 May 2025US$1.4tUS$895.3bUS$84.9b14.1x16.8x1.6x
Thu, 03 Apr 2025US$1.5tUS$897.3bUS$92.9b14.4x16.2x1.7x
Sat, 01 Mar 2025US$1.4tUS$896.5bUS$93.2b13.3x15.6x1.6x
Mon, 27 Jan 2025US$1.4tUS$894.1bUS$91.8b12.7x14.8x1.5x
Wed, 25 Dec 2024US$1.4tUS$893.2bUS$91.1b13.1x15x1.5x
Fri, 22 Nov 2024US$1.4tUS$893.2bUS$91.0b13.5x15.6x1.6x
Sun, 20 Oct 2024US$1.4tUS$860.8bUS$89.4b14.2x15.9x1.7x
Tue, 17 Sep 2024US$1.4tUS$855.5bUS$87.0b14.3x15.9x1.6x
Thu, 15 Aug 2024US$1.3tUS$855.4bUS$87.0b13.4x14.8x1.5x
Sat, 13 Jul 2024US$1.2tUS$820.7bUS$79.0b13.5x15.1x1.5x
Mon, 10 Jun 2024US$1.2tUS$823.4bUS$79.2b12.7x14.9x1.4x
Wed, 08 May 2024US$1.2tUS$820.4bUS$79.2b13.2x14.8x1.4x
Fri, 05 Apr 2024US$1.2tUS$792.6bUS$66.9b14.7x17.8x1.5x
Sun, 03 Mar 2024US$1.1tUS$791.6bUS$66.6b14.9x17.1x1.4x
Tue, 30 Jan 2024US$1.2tUS$794.2bUS$49.9b12.8x23.3x1.5x
Thu, 28 Dec 2023US$1.1tUS$792.9bUS$47.7b12.8x22.9x1.4x
Sat, 25 Nov 2023US$1.1tUS$792.8bUS$47.5b12.6x23.2x1.4x
Mon, 23 Oct 2023US$1.0tUS$804.2bUS$40.0b14.6x25.8x1.3x
Wed, 20 Sep 2023US$1.1tUS$799.3bUS$38.7b14.9x27.3x1.3x
Fri, 18 Aug 2023US$1.0tUS$799.0bUS$38.6b15.2x26.4x1.3x
Sun, 16 Jul 2023US$974.2bUS$781.6bUS$37.8b15.2x25.8x1.2x
Tue, 13 Jun 2023US$964.1bUS$774.5bUS$35.1b15.3x27.4x1.2x
Thu, 11 May 2023US$974.0bUS$773.1bUS$35.9b15.8x27.1x1.3x
Sat, 08 Apr 2023US$966.4bUS$759.1bUS$44.1b15.3x21.9x1.3x
Mon, 06 Mar 2023US$1.0tUS$757.3bUS$44.1b17.5x23.2x1.4x
Wed, 01 Feb 2023US$1.1tUS$780.3bUS$53.6b16.1x19.6x1.3x
Fri, 30 Dec 2022US$1.0tUS$777.8bUS$54.7b15x18.6x1.3x
Sun, 27 Nov 2022US$1.0tUS$777.8bUS$54.6b14.4x19x1.3x
Tue, 25 Oct 2022US$947.1bUS$769.3bUS$63.5b13.5x14.9x1.2x
Thu, 22 Sep 2022US$931.7bUS$795.2bUS$74.2b13.2x12.6x1.2x
Sat, 20 Aug 2022US$938.0bUS$775.5bUS$56.6b14.3x16.6x1.2x
Price to Earnings Ratio

16.6x


Total Market Cap: US$938.0bTotal Earnings: US$56.6bTotal Revenue: US$775.5bTotal 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 15.6x 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 16% per year over the last three years.
  • Revenues for these companies have grown 5.8% 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 Market0.73%
Financials-0.11%
Insurance1.34%
General Insurance4.67%
Reinsurance2.05%
Insurance Brokers1.74%
Life and Health Insurance1.71%
Property and Casualty Insurance0.99%
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 20.5%, 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 3.2% 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
AFL AflacUS$103.554.7%
+US$2.5b		1.8%PE22.7x
MMC Marsh & McLennan CompaniesUS$204.412.0%
+US$1.9b		-6.0%PE24.4x
AJG Arthur J. GallagherUS$290.651.7%
+US$1.2b		3.4%PE45.4x
BRO Brown & BrownUS$94.763.4%
+US$1.0b		-5.2%PE31.4x
AIZ AssurantUS$209.4210.9%
+US$993.0m		13.6%PE14.7x

Latest News

AIZ
US$209.42
Assurant
7D
10.9%
1Y
13.6%
AGO
US$82.01
Assured Guaranty
7D
-4.4%
1Y
10.1%
CB
US$269.77
Chubb
7D
0.8%
1Y
0.7%
BNT
US$65.62
Brookfield Wealth Solutions
7D
-2.4%
1Y
44.0%
MET
US$76.56
MetLife
7D
2.2%
1Y
8.7%
AIG
US$78.48
American International Group
7D
0.05%
1Y
9.6%
AFL
US$103.55
Aflac
7D
4.7%
1Y
1.8%
BWIN
US$32.77
Baldwin Insurance Group
7D
-10.1%
1Y
-20.4%
PRU
US$105.22
Prudential Financial
7D
2.0%
1Y
-3.9%
ROOT
US$90.04
Root
7D
-28.3%
1Y
95.4%
KMPR
US$52.27
Kemper
7D
-15.0%
1Y
-13.7%
AJG
US$290.65
Arthur J. Gallagher
7D
1.7%
1Y
3.4%
TRV
US$263.93
Travelers Companies
7D
-0.5%
1Y
25.2%
BRO
US$94.76
Brown & Brown
7D
3.4%
1Y
-5.2%
ACGL
US$87.78
Arch Capital Group
7D
-1.0%
1Y
-10.2%
MMC
US$204.41
Marsh & McLennan Companies
7D
2.0%
1Y
-6.0%