Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

U.S. Insurance Industry Analysis

UpdatedApr 02, 2026
DataAggregated Company Financials
Companies130
  • 7D0.08%
  • 3M-7.5%
  • 1Y-13.8%
  • YTD-5.9%

Over the last 7 days, the Insurance industry has remained flat, although notably Progressive declined by 4.7%. As for the longer term, the industry has declined 14% in the last year. Earnings are forecast to grow by 3.9% annually.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 02 Apr 2026US$1.3tUS$946.4bUS$105.4b11.3x12.3x1.4x
Sat, 28 Feb 2026US$1.4tUS$947.9bUS$105.2b12x12.9x1.4x
Mon, 26 Jan 2026US$1.3tUS$931.9bUS$99.8b12.7x13.3x1.4x
Wed, 24 Dec 2025US$1.4tUS$931.1bUS$99.3b13.4x14.2x1.5x
Fri, 21 Nov 2025US$1.4tUS$931.0bUS$99.2b12.6x13.6x1.5x
Sun, 19 Oct 2025US$1.3tUS$923.0bUS$89.5b13.2x15x1.5x
Tue, 16 Sep 2025US$1.4tUS$919.1bUS$88.7b14x15.9x1.5x
Thu, 14 Aug 2025US$1.4tUS$918.2bUS$88.4b14.6x15.7x1.5x
Sat, 12 Jul 2025US$1.4tUS$902.8bUS$82.1b14.4x17x1.6x
Mon, 09 Jun 2025US$1.5tUS$902.8bUS$82.3b14.9x17.7x1.6x
Wed, 07 May 2025US$1.4tUS$895.6bUS$84.9b14.4x16.8x1.6x
Fri, 04 Apr 2025US$1.5tUS$897.3bUS$92.9b13.8x16.2x1.7x
Sun, 02 Mar 2025US$1.5tUS$896.5bUS$93.2b13.3x15.8x1.6x
Tue, 28 Jan 2025US$1.4tUS$894.1bUS$91.8b12.8x15x1.5x
Thu, 26 Dec 2024US$1.4tUS$893.2bUS$91.1b13.1x15x1.5x
Sat, 23 Nov 2024US$1.4tUS$893.2bUS$91.0b13.7x15.8x1.6x
Mon, 21 Oct 2024US$1.4tUS$860.8bUS$89.4b14.2x15.9x1.7x
Wed, 18 Sep 2024US$1.4tUS$855.2bUS$87.4b14.3x16x1.6x
Fri, 16 Aug 2024US$1.3tUS$855.4bUS$87.0b13.5x15.1x1.5x
Sun, 14 Jul 2024US$1.2tUS$820.7bUS$79.0b13.5x15.2x1.5x
Tue, 11 Jun 2024US$1.2tUS$823.4bUS$79.2b13x14.9x1.4x
Thu, 09 May 2024US$1.2tUS$819.5bUS$79.4b13x14.8x1.4x
Sat, 06 Apr 2024US$1.2tUS$792.6bUS$66.9b14.6x17.6x1.5x
Mon, 04 Mar 2024US$1.1tUS$791.6bUS$66.6b14.9x17.1x1.4x
Wed, 31 Jan 2024US$1.2tUS$794.3bUS$49.9b12.9x23.2x1.5x
Fri, 29 Dec 2023US$1.1tUS$792.9bUS$47.7b13.1x22.9x1.4x
Sun, 26 Nov 2023US$1.1tUS$792.8bUS$47.5b12.6x23.2x1.4x
Tue, 24 Oct 2023US$1.0tUS$804.2bUS$40.0b14.5x25.5x1.3x
Thu, 21 Sep 2023US$1.1tUS$799.3bUS$38.7b14.8x27.3x1.3x
Sat, 19 Aug 2023US$1.0tUS$799.0bUS$38.6b15.2x26.2x1.3x
Mon, 17 Jul 2023US$974.2bUS$781.6bUS$37.8b15.2x25.8x1.2x
Wed, 14 Jun 2023US$970.4bUS$774.5bUS$35.1b15.4x27.6x1.3x
Fri, 12 May 2023US$973.0bUS$774.1bUS$35.7b15.9x27.3x1.3x
Sun, 09 Apr 2023US$966.4bUS$759.1bUS$44.1b15.3x21.9x1.3x
Price to Earnings Ratio

21.9x


Total Market Cap: US$966.4bTotal Earnings: US$44.1bTotal Revenue: US$759.1bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Insurance Industry Price to Earnings3Y Average 18.1x202420252026
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 12.3x which is lower than its 3-year average PE of 18.1x.
  • 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 34% per year over the last three years.
  • Revenues for these companies have grown 7.6% 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 Market-0.32%
Financials0.053%
Insurance0.081%
Life and Health Insurance1.40%
Reinsurance0.29%
General Insurance-0.071%
Property and Casualty Insurance-0.22%
Insurance Brokers-0.23%
Industry PE
  • Investors are most optimistic about the Insurance Brokers industry even though it's trading below its 3-year average PE ratio of 36.6x.
    • Analysts are expecting annual earnings growth of 13.4%, which is lower than the prior year's growth of 50.3% per year.
  • Investors are most pessimistic about the Reinsurance industry, which is trading below its 3-year average of 13.0x.
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 50% per year.
  • In contrast, the Property and Casualty Insurance industry is expected to see its earnings decline by 2.0% 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
CB ChubbUS$327.161.2%
+US$1.5b		8.5%PE12.4x
AFL AflacUS$109.642.3%
+US$1.3b		-2.3%PE15.5x
BNT Brookfield Wealth SolutionsUS$41.810.7%
+US$1.1b		15.7%PE18.2x
PRU Prudential FinancialUS$97.982.9%
+US$934.2m		-13.1%PE9.6x
ACGL Arch Capital GroupUS$95.492.3%
+US$770.1m		-1.4%PE7.8x

Latest News

MRSH
US$171.87
Marsh & McLennan Companies
7D
-1.3%
1Y
-29.5%
BNT
US$41.81
Brookfield Wealth Solutions
7D
0.7%
1Y
15.7%
AJG
US$216.34
Arthur J. Gallagher
7D
1.3%
1Y
-37.1%

Future Risk Advisory And M&A Pipeline Will Drive Stronger Margin Expansion

Catalysts About Arthur J. Gallagher Arthur J.
CB
US$327.16
Chubb
7D
1.2%
1Y
8.5%
ERIE
US$246.99
Erie Indemnity
7D
4.6%
1Y
-40.6%
ALL
US$204.10
Allstate
7D
-0.3%
1Y
-0.6%
WTW
US$287.53
Willis Towers Watson
7D
-0.7%
1Y
-14.8%
PRU
US$97.98
Prudential Financial
7D
2.9%
1Y
-13.1%

PRU: Capital Strength And Cash Flow Will Support Resilient Income And Buybacks

Prudential Financial's analyst price target edges lower in this update, with fair value revised from about $111.79 to $109.80 as analysts factor in slightly higher discount rates, softer revenue growth assumptions, modestly higher profit margins, and a lower future P/E multiple following recent sector wide reassessments of cash flow and private credit risk. Analyst Commentary Recent Street research on Prudential Financial points to a more cautious tone, with several firms trimming price targets and reassessing risk around cash flow, private credit exposure, and business mix.
PGR
US$193.36
Progressive
7D
-4.7%
1Y
-31.2%
ACGL
US$95.49
Arch Capital Group
7D
2.3%
1Y
-1.4%
MET
US$71.17
MetLife
7D
1.1%
1Y
-13.7%
LNC
US$35.24
Lincoln National
7D
-1.9%
1Y
-5.4%
AFL
US$109.64
Aflac
7D
2.3%
1Y
-2.3%
LMND
US$61.07
Lemonade
7D
-9.0%
1Y
90.9%

LMND: Tesla Partnership Will Support Higher Earnings Power And Market Share

The analyst fair value estimate for Lemonade has increased from $85.00 to $98.00 as analysts factor in higher long term earnings potential tied to the Tesla partnership, ongoing auto insurance data advantages, and updated views on growth, margins, and future P/E assumptions. Analyst Commentary Recent Street research on Lemonade highlights a split in opinion, but there is a clear cluster of bullish analysts who see the Tesla partnership, data advantages in auto, and broader automation efforts as key drivers for long term earnings potential.
OSCR
US$11.73
Oscar Health
7D
-3.9%
1Y
-12.3%

OSCR: Exchange Enrollment Resilience And Subpoena Overhang Will Shape 2026 Outlook

Narrative Update on Oscar Health Analysts have trimmed Oscar Health's average price target by $2, citing updated views on exchange enrollment trends, the impact of recent rebate developments at a major competitor, and a modest reset of revenue growth, profit margin, and future P/E assumptions. Analyst Commentary Recent Street research on Oscar Health reflects a mix of caution on short term assumptions and growing confidence in the company’s ability to execute on its exchange strategy.
PLMR
US$116.66
Palomar Holdings
7D
-4.3%
1Y
-17.7%