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U.S. Property and Casualty Insurance Industry Analysis

UpdatedApr 05, 2026
DataAggregated Company Financials
Companies68
  • 7D2.0%
  • 3M-3.8%
  • 1Y1.1%
  • YTDn/a

In the last week, the Property and Casualty Insurance industry is up 2.0%, with Chubb up 2.9%. The industry has been flat over the past 12 months despite the gain this week. Looking forward, earnings are forecast to decline by 2.0% per year.

Industry Valuation and Performance

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

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 05 Apr 2026US$730.6bUS$539.5bUS$71.4b10.3x10.2x1.4x
Tue, 03 Mar 2026US$774.3bUS$541.3bUS$71.3b11.5x10.9x1.4x
Thu, 29 Jan 2026US$735.0bUS$535.2bUS$65.7b12.2x11.2x1.4x
Sat, 27 Dec 2025US$785.4bUS$534.3bUS$65.3b12.9x12x1.5x
Mon, 24 Nov 2025US$767.9bUS$534.3bUS$65.3b12.6x11.8x1.4x
Wed, 22 Oct 2025US$729.5bUS$528.5bUS$60.3b13.3x12.1x1.4x
Fri, 19 Sep 2025US$748.5bUS$524.7bUS$59.2b13.4x12.6x1.4x
Sun, 17 Aug 2025US$753.7bUS$524.2bUS$59.2b13.4x12.7x1.4x
Tue, 15 Jul 2025US$741.9bUS$509.5bUS$51.1b13.6x14.5x1.5x
Thu, 12 Jun 2025US$766.1bUS$508.7bUS$50.9b14x15.1x1.5x
Sat, 10 May 2025US$784.3bUS$508.1bUS$51.1b14.5x15.4x1.5x
Mon, 07 Apr 2025US$731.1bUS$498.1bUS$55.7b13.1x13.1x1.5x
Wed, 05 Mar 2025US$732.1bUS$471.2bUS$53.4b13x13.7x1.6x
Fri, 31 Jan 2025US$686.6bUS$469.1bUS$56.6b12.6x12.1x1.5x
Sun, 29 Dec 2024US$685.4bUS$462.2bUS$56.1b12.5x12.2x1.5x
Tue, 26 Nov 2024US$730.6bUS$462.2bUS$56.1b13.2x13x1.6x
Thu, 24 Oct 2024US$698.9bUS$449.1bUS$51.4b13.4x13.6x1.6x
Sat, 21 Sep 2024US$701.2bUS$443.0bUS$49.2b13.7x14.3x1.6x
Mon, 19 Aug 2024US$662.4bUS$443.0bUS$49.2b13.3x13.5x1.5x
Wed, 17 Jul 2024US$628.2bUS$431.7bUS$44.6b13.6x14.1x1.5x
Fri, 14 Jun 2024US$597.5bUS$420.3bUS$43.8b12.9x13.6x1.4x
Sun, 12 May 2024US$616.0bUS$420.0bUS$43.8b12.5x14.1x1.5x
Tue, 09 Apr 2024US$615.1bUS$406.4bUS$38.1b14.4x16.2x1.5x
Thu, 07 Mar 2024US$584.9bUS$406.1bUS$37.8b15.3x15.5x1.4x
Sat, 03 Feb 2024US$562.4bUS$402.4bUS$32.1b14.4x17.5x1.4x
Mon, 01 Jan 2024US$517.7bUS$396.7bUS$28.9b13.1x17.9x1.3x
Wed, 29 Nov 2023US$518.2bUS$396.5bUS$28.8b13x18x1.3x
Fri, 27 Oct 2023US$465.0bUS$366.0bUS$23.3b14.4x19.9x1.3x
Sun, 24 Sep 2023US$460.9bUS$361.2bUS$21.3b14.7x21.6x1.3x
Tue, 22 Aug 2023US$439.2bUS$361.0bUS$21.2b13.9x20.7x1.2x
Thu, 20 Jul 2023US$423.4bUS$347.3bUS$16.8b17x25.3x1.2x
Sat, 17 Jun 2023US$424.9bUS$340.2bUS$14.1b18.3x30.1x1.2x
Mon, 15 May 2023US$437.9bUS$339.7bUS$14.6b19.2x30.1x1.3x
Wed, 12 Apr 2023US$442.8bUS$329.4bUS$14.5b17.8x30.5x1.3x
Price to Earnings Ratio

30.5x


Total Market Cap: US$442.8bTotal Earnings: US$14.5bTotal Revenue: US$329.4bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Property and Casualty Insurance Industry Price to Earnings3Y Average 16x202420252026
Current Industry PE
  • Investors are pessimistic on the American Property and Casualty 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 10.2x which is lower than its 3-year average PE of 16.0x.
  • The industry is trading close to its 3-year average PS ratio of 1.4x.
Past Earnings Growth
  • The earnings for companies in the Property and Casualty Insurance industry have grown 70% per year over the last three years.
  • Revenues for these companies have grown 18% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Comparison

How does U.S. Property and Casualty Insurance compare with similar industries?

US Market3.46%
Financials3.50%
Insurance2.75%
Property and Casualty Insurance2.02%
Life and Health Insurance3.88%
Insurance Brokers3.67%
Reinsurance3.22%
General Insurance1.89%
Industry PEThere are no additional sub-industries under this industry.
Forecasted GrowthThere are no additional sub-industries under this industry.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
CB ChubbUS$328.332.9%
+US$3.6b		17.0%PE12.4x
TRV Travelers CompaniesUS$293.993.1%
+US$1.9b		21.4%PE10.2x
AIG American International GroupUS$75.423.4%
+US$1.2b		-4.5%PE13x
ACGL Arch Capital GroupUS$96.743.6%
+US$1.2b		10.1%PE7.9x
ALL AllstateUS$207.032.1%
+US$1.1b		11.0%PE5.3x

Latest News

ALL
US$207.03
Allstate
7D
2.1%
1Y
11.0%

Allstate Has Weathered The Insurance Storm In 2025, As Its Umbrella Remains Strong

Apr 04
ACIC
US$10.97
American Coastal Insurance
7D
-1.4%
1Y
1.5%
L
US$107.69
Loews
7D
3.5%
1Y
29.6%
JRVR
US$6.12
James River Group Holdings
7D
-0.5%
1Y
50.4%

JRVR: Stable Assumptions And Low Future P/E Will Support Upside

Analysts have kept their average price target for James River Group Holdings effectively unchanged at approximately $7.67. They cite largely stable views on fair value, discount rate, revenue trends, profit margins, and forward P/E assumptions.
CB
US$328.33
Chubb
7D
2.9%
1Y
17.0%
UVE
US$33.30
Universal Insurance Holdings
7D
-1.1%
1Y
49.4%
TRV
US$293.99
Travelers Companies
7D
3.1%
1Y
21.4%

TRV: Underwriting And AI Adoption Will Support Margins As Market Softens

Narrative Update on Travelers Companies Analysts have modestly raised their average price targets on Travelers, with moves such as Morgan Stanley lifting its view to $310 from $295 and Keefe Bruyette moving to $340 from $320. They generally point to differentiated underwriting, perceived margin durability, and views on reserve strength as key drivers behind the updated expectations.
FAF
US$58.23
First American Financial
7D
-0.4%
1Y
-5.5%

FAF: Stable Fundamentals And Steady P E Will Support Future Upside

Analysts kept their $81.60 price target for First American Financial unchanged, reflecting stable assumptions on the discount rate, revenue growth, profit margin, and future P/E in the latest update. What's in the News Reported an update on its share repurchase activity for the period from October 1, 2025 to December 31, 2025, with no shares repurchased and no cash deployed under the existing buyback authorization (Key Developments).
CINF
US$158.41
Cincinnati Financial
7D
3.1%
1Y
20.3%

CINF: Pricing Pressures, Loss Costs And Dividend Increases Will Shape Returns

Analysts' price targets for Cincinnati Financial have shifted within a relatively tight range, with one firm raising its view to $191 from $180 while another trimmed its target to $180 from $186. This reflects differing read‑throughs on P&C pricing trends and loss cost pressures, even as valuation commentary remains measured.
PGR
US$195.25
Progressive
7D
-1.8%
1Y
-24.2%
ACGL
US$96.74
Arch Capital Group
7D
3.6%
1Y
10.1%
ROOT
US$43.21
Root
7D
-1.6%
1Y
-61.5%

ROOT: Future Pricing And Loss Trends Will Drive Upside Potential

Analysts have trimmed the price target on Root to $90.00 from $111.60, citing lower fair value assumptions and more moderate expectations for revenue growth and profit margins, partly offset by a slightly higher future P/E multiple. Analyst Commentary Street research around Root reflects a mix of optimism on execution and caution on valuation risk, with several firms trimming price targets while maintaining neutral to positive ratings.
HIG
US$136.19
Hartford Insurance Group
7D
2.9%
1Y
19.9%

HIG: Future Returns Will Leverage Resilient Margins Despite Softening Insurance Cycle

Analysts have lifted their average price targets on Hartford Insurance Group into the low to mid $150s, with recent moves such as Keefe Bruyette to $163 and Wells Fargo to $153. These changes reflect updated views on pricing, loss trends, and margins across the insurance sector.
AIG
US$75.42
American International Group
7D
3.4%
1Y
-4.5%
FGNX
US$4.82
FG Nexus
7D
-10.4%
1Y
-94.4%

FG Nexus Inc. (NASDAQ:FGNX) Stocks Pounded By 30% But Not Lagging Industry On Growth Or Pricing

Feb 04
FG Nexus Inc. (NASDAQ:FGNX) Stocks Pounded By 30% But Not Lagging Industry On Growth Or Pricing