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Insurance

Every analyzed stock in Insurance — 80 companies. Each card shows price, our model's intrinsic value (IV), and how far price sits above or below it. Click any card for the full analysis. This is a research-triage view, not a buy/sell signal.

Insurance risk
Near-term vs. long-term risk for this theme
⚡ Right now ?Near-term risk over roughly the next 3 months. Blends live market conditions (volatility, how far the S&P is from its highs, credit spreads, the yield curve, sentiment), how stretched valuations are, and what the smart money is doing. Higher = greater odds of a pullback. · next 0–3 months
38 /100 Moderate ▲ +3 slight
Long-term risk ?Long-term / structural risk — the market's underlying tide. Where valuations sit versus 145 years of history (Shiller CAPE) plus multi-year trends. A high reading means weak long-run return prospects even if the market feels calm right now. · structural · vs 145yr history
58 /100 Elevated ▲ +7 mild
▲ / ▼ = change vs ~7 days ago — red = risk rising, green = falling.
Inside the "right now" score — a 45 / 30 / 25 blend · 65 stocks valued
Conditions · 45% ?The live market weather: VIX (expected volatility), how far the S&P 500 is below its 52-week high, high-yield credit spreads, the 10-year vs 2-year yield curve, and the Fear & Greed index. Market-wide indices, not per-stock.
35 Moderate
Valuation · 30% ?How expensive stocks are versus our intrinsic-value models: the median price-to-value ratio and the share of stocks trading above what we think they are worth, across 65 stocks.
32 Moderate
Smart money · 25% ?What informed money is doing: short-selling activity plus corporate insiders buying or selling their own stock. Broken out below.
50 Elevated
Smart money — the three inputs
Short-selling ?Share of ALL US trading volume that is short sales (FINRA, ~12,000 symbols, market-wide). It normally sits near 45–50%, so readings above ~50% lean bearish and read as higher risk. Weighted 40% of Smart money.
50.4%
Elevated
Buyers' strike ?Share of the sampled companies whose insiders bought NONE of their own stock on the open market in the last 12 months. The higher this runs, the more bearish (nobody's buying the dip in their own shares). Weighted 35%.
53%
Elevated
Net insider selling ?Share of the sampled companies whose insiders were net DISCRETIONARY sellers over 12 months (excludes scheduled 10b5-1 plans, which carry little signal). Around half is normal; well above that is bearish. Weighted 25%.
33%
Moderate
Black number = the raw figure; coloured bar & word = how it reads as risk. Insider inputs from 43 stocks (full universe); short-selling is market-wide.
Long-term risk: the long-term read runs high mainly because valuations sit near a historic extreme (Shiller CAPE) — a structural backdrop, not about this week.
Scale (0–100): 0–20 Low · 20–40 Moderate · 40–60 Elevated · 60–80 High · 80–100 Extreme. "Right now" reads today's conditions; the "long-term" score is anchored to ~145 years of valuation history.
Educational use only — not investment advice. "Undervalued / fairly valued / overvalued" and every risk score reflect our models vs. price, which can be wrong or based on stale or incomplete data. Always review the company's own financials and SEC filings, and consult a licensed advisor, before acting.
Sort by: A–Z Riskiest Most overvalued Most shorted Buyers' strike Largest
This week in Insurance
Insurance — Sep 7 – Sep 11, 2026 (Wk 37): Insurance Sector: Insider Stock Buys, Trading Surges, and Valuation Focus →
This week saw a notable insider stock purchase by Donegal Mutual Insurance Co. in Donegal Group, while the Nigerian Exchange experienced a significant surge in insurance stock trading volume. Valuations and the impact of rising Treasury…
AAME
ATLANTIC AMERICAN CORP
Deeply undervalued
Financial Services Risk 36 · Moderate
Price$1.29
Model IV$2.38
P/IV0.91
Discount 46% Return to IV: +84.3%
ACGL
ARCH CAPITAL GROUP LTD.
Deeply undervalued
Financial Services Risk 23 · Moderate
Price$97.04
Model IV$141.46
P/IV0.63
Discount 31% Return to IV: +45.8%
ACGLN
ARCH CAPITAL GROUP LTD.
Deeply undervalued
Financial Services Risk 21 · Moderate
Price$15.61
Model IV$141.46
P/IV0.12
Discount 89% Return to IV: +806.2%
ACGLO
ARCH CAPITAL GROUP LTD.
Deeply undervalued
Financial Services Risk 32 · Moderate
Price$18.68
Model IV$141.46
P/IV0.14
Discount 87% Return to IV: +657.3%
ACT
Enact Holdings, Inc.
Deeply undervalued
Financial Services Risk 34 · Moderate
Price$49.43
Model IV$128.60
P/IV0.33
Discount 62% Return to IV: +160.2%
Market implies -6.7%/yr vs model +6.3% · below model
AEFC
AEGON LTD.
Valuation N/A
Financial Services
Price$17.90
Model IV—
P/IV—
Limited data — see page
AEG
AEGON LTD.
Valuation N/A
Financial Services
Price$9.06
Model IV—
P/IV—
Limited data — see page
AFL
AFLAC INC
Fairly valued
Financial Services Risk 38 · Moderate
Price$117.55
Model IV$132.56
P/IV0.85
Discount 11% Return to IV: +12.8%
AIG
AMERICAN INTERNATIONAL GROUP, INC.
Fairly valued
Financial Services Risk 47 · Elevated
Price$75.98
Model IV$66.37
P/IV1.12
Premium +14% Return to IV: -12.6%
ALL
ALLSTATE CORP
Deeply overvalued
Financial Services Risk 73 · High
Price$253.71
Model IV$98.86
P/IV2.08
Premium +157% Return to IV: -61.0%
AON
Aon plc
Undervalued
Financial Services Risk 31 · Moderate
Price$302.69
Model IV$424.70
P/IV0.74
Discount 29% Return to IV: +40.3%
Market implies +3.4%/yr vs model +9.7% · below model
ASIC
Ategrity Specialty Insurance Co Holdings
Fairly valued
Financial Services Risk 50 · Elevated
Price$27.47
Model IV$17.21
P/IV1.13
Premium +60% Return to IV: -37.3%
ATHS
Athene Holding Ltd.
Valuation N/A
Financial Services Risk 65 · High
Price$24.64
Model IV—
P/IV—
Limited data — see page
AXS
AXIS CAPITAL HOLDINGS LTD
Fairly valued
Financial Services Risk 42 · Elevated
Price$98.24
Model IV$107.07
P/IV0.89
Discount 8% Return to IV: +9.0%
BHF
Brighthouse Financial, Inc.
Deeply undervalued
Financial Services Risk 38 · Moderate
Price$50.11
Model IV$109.81
P/IV0.57
Discount 54% Return to IV: +119.1%
BHFAL
Brighthouse Financial, Inc.
Deeply undervalued
Financial Services Risk 27 · Moderate
Price$15.20
Model IV$102.12
P/IV0.16
Discount 85% Return to IV: +571.9%
BHFAM
Brighthouse Financial, Inc.
Deeply undervalued
Financial Services Risk 38 · Moderate
Price$9.77
Model IV$102.12
P/IV0.11
Discount 90% Return to IV: +945.3%
BHFAN
Brighthouse Financial, Inc.
Deeply undervalued
Financial Services Risk 42 · Elevated
Price$11.02
Model IV$102.12
P/IV0.12
Discount 89% Return to IV: +826.7%
BHFAO
Brighthouse Financial, Inc.
Deeply undervalued
Financial Services Risk 42 · Elevated
Price$14.07
Model IV$102.12
P/IV0.15
Discount 86% Return to IV: +626.1%
BHFAP
Brighthouse Financial, Inc.
Deeply undervalued
Financial Services Risk 27 · Moderate
Price$13.75
Model IV$102.12
P/IV0.15
Discount 87% Return to IV: +642.7%
BOW
Bowhead Specialty Holdings Inc.
Deeply overvalued
Financial Services Risk 62 · High
Price$33.67
Model IV$17.31
P/IV1.54
Premium +95% Return to IV: -48.6%
CB
Chubb Ltd
Fairly valued
Financial Services Risk 38 · Moderate
Price$338.25
Model IV$315.47
P/IV0.99
Premium +7% Return to IV: -6.7%
CIA
CITIZENS, INC.
Fairly valued
Financial Services Risk 46 · Elevated
Price$3.58
Model IV$5.35
P/IV0.97
Discount 33% Return to IV: +49.3%
CINF
CINCINNATI FINANCIAL CORP
Fairly valued
Financial Services Risk 45 · Elevated
Price$169.80
Model IV$185.20
P/IV0.85
Discount 8% Return to IV: +9.1%
CNO
CNO Financial Group, Inc.
Fairly valued
Financial Services Risk 36 · Moderate
Price$54.94
Model IV$49.21
P/IV0.93
Premium +12% Return to IV: -10.4%
CRBD
Corebridge Financial, Inc.
Valuation N/A
Financial Services Risk 40 · Elevated
Price$20.97
Model IV—
P/IV—
Limited data — see page
CRBG
Corebridge Financial, Inc.
Deeply undervalued
Financial Services Risk 40 · Elevated
Price$34.67
Model IV$41.47
P/IV0.65
Discount 16% Return to IV: +19.6%
EG
EVEREST GROUP, LTD.
Undervalued
Financial Services Risk 40 · Elevated
Price$371.71
Model IV$448.63
P/IV0.72
Discount 17% Return to IV: +20.7%
EQH
Equitable Holdings, Inc.
Overvalued
Financial Services Risk 57 · Elevated
Price$53.34
Model IV$32.90
P/IV1.26
Premium +62% Return to IV: -38.3%
Market implies +18.0%/yr vs model +14.3% · above model
ERIE
ERIE INDEMNITY CO
Valuation N/A
Financial Services Risk 49 · Elevated
Price$245.03
Model IV—
P/IV—
Limited data — see page
ESNT
Essent Group Ltd.
Deeply undervalued
Financial Services Risk 37 · Moderate
Price$68.18
Model IV$93.68
P/IV0.62
Discount 27% Return to IV: +37.4%
EVER
EverQuote, Inc.
Deeply undervalued
Technology Risk 36 · Moderate
Price$23.98
Model IV$34.74
P/IV0.55
Discount 31% Return to IV: +44.9%
Market implies +4.1%/yr vs model +13.0% · below model
FG
F&G Annuities & Life, Inc.
Deeply undervalued
Financial Services Risk 26 · Moderate
Price$23.05
Model IV$60.01
P/IV0.46
Discount 62% Return to IV: +160.3%
FGN
F&G Annuities & Life, Inc.
Deeply undervalued
Financial Services Risk 23 · Moderate
Price$24.36
Model IV$70.62
P/IV0.35
Discount 66% Return to IV: +189.9%
FGSN
F&G Annuities & Life, Inc.
Deeply undervalued
Financial Services Risk 26 · Moderate
Price$20.80
Model IV$70.62
P/IV0.31
Discount 71% Return to IV: +239.5%
GL
GLOBE LIFE INC.
Fairly valued
Financial Services Risk 50 · Elevated
Price$171.17
Model IV$174.07
P/IV0.88
Discount 2% Return to IV: +1.7%
GLRE
GREENLIGHT CAPITAL RE, LTD.
Fairly valued
Financial Services Risk 48 · Elevated
Price$14.97
Model IV$16.71
P/IV0.94
Discount 10% Return to IV: +11.6%
GNW
GENWORTH FINANCIAL INC
Deeply undervalued
Financial Services Risk 27 · Moderate
Price$10.49
Model IV$15.31
P/IV0.56
Discount 31% Return to IV: +45.9%
GWRE
Guidewire Software, Inc.
Deeply overvalued
Technology Risk 58 · Elevated
Price$153.00
Model IV$50.16
P/IV3.04
Premium +205% Return to IV: -67.2%
Market implies +24.4%/yr vs model +12.6% · above model
HG
Hamilton Insurance Group, Ltd.
Undervalued
Financial Services Risk 31 · Moderate
Price$35.26
Model IV$43.64
P/IV0.68
Discount 19% Return to IV: +23.8%
HRTG
Heritage Insurance Holdings, Inc.
Deeply undervalued
Financial Services Risk 33 · Moderate
Price$34.58
Model IV$36.50
P/IV0.59
Discount 5% Return to IV: +5.6%
HUIZ
Huize Holding Ltd
Deeply overvalued
Financial Services Risk 56 · Elevated
Price$1.53
Model IV$0.31
P/IV4.63
Premium +399% Return to IV: -79.9%
Market implies +15.0%/yr vs model +2.0% · above model
IGIC
International General Insurance Holdings Ltd.
Deeply undervalued
Financial Services Risk 42 · Elevated
Price$25.99
Model IV$36.36
P/IV0.67
Discount 29% Return to IV: +39.9%
ING
ING GROEP NV
Valuation N/A
Financial Services Risk 43 · Elevated
Price$36.96
Model IV—
P/IV—
Limited data — see page
JRVR
James River Group Holdings, Inc.
Fairly valued
Financial Services Risk 40 · Elevated
Price$3.95
Model IV$4.43
P/IV0.88
Discount 11% Return to IV: +12.1%
JXN
Jackson Financial Inc.
Fairly valued
Financial Services Risk 48 · Elevated
Price$138.78
Model IV$127.46
P/IV0.81
Premium +9% Return to IV: -8.2%
KMPR
KEMPER Corp
Fairly valued
Financial Services Risk 36 · Moderate
Price$27.25
Model IV$25.89
P/IV0.95
Premium +5% Return to IV: -5.0%
L
LOEWS CORP
Fairly valued
Financial Services Risk 42 · Elevated
Price$108.79
Model IV$90.31
P/IV1.15
Premium +20% Return to IV: -17.0%
LIFE
Ethos Technologies Inc.
Deeply overvalued
Financial Services Risk 54 · Elevated
Price$40.25
Model IV$11.23
P/IV1.68
Premium +259% Return to IV: -72.1%
Market implies +37.1%/yr vs model +25.0% · above model
LMND
Lemonade, Inc.
Valuation N/A
Financial Services Risk 40 · Elevated
Price$50.03
Model IV—
P/IV—
Limited data — see page
LNC
LINCOLN NATIONAL CORP
Deeply undervalued
Financial Services Risk 38 · Moderate
Price$43.44
Model IV$104.44
P/IV0.34
Discount 58% Return to IV: +140.4%
MET
METLIFE INC
Deeply overvalued
Financial Services Risk 67 · High
Price$97.14
Model IV$60.87
P/IV1.36
Premium +60% Return to IV: -37.3%
MFC
MANULIFE FINANCIAL CORP
Valuation N/A
Financial Services
Price$43.49
Model IV—
P/IV—
Limited data — see page
MHLA
Maiden Holdings, Ltd.
Valuation N/A
Financial Services Risk 32 · Moderate
Price$9.60
Model IV—
P/IV—
Limited data — see page
MHNC
Maiden Holdings, Ltd.
Valuation N/A
Financial Services Risk 32 · Moderate
Price$11.14
Model IV—
P/IV—
Limited data — see page
MKL
MARKEL GROUP INC.
Undervalued
Financial Services Risk 28 · Moderate
Price$1,784.18
Model IV$2,371.76
P/IV0.77
Discount 25% Return to IV: +32.9%
MRSH
MARSH & MCLENNAN COMPANIES, INC.
Undervalued
Financial Services Risk 26 · Moderate
Price$176.91
Model IV$212.69
P/IV0.83
Discount 17% Return to IV: +20.2%
Market implies +4.3%/yr vs model +8.0% · below model
OXBR
OXBRIDGE RE HOLDINGS Ltd
Deeply overvalued
Financial Services Risk 64 · High
Price$1.57
Model IV$0.29
P/IV3.52
Premium +437% Return to IV: -81.4%
PFH
PRUDENTIAL FINANCIAL INC
Deeply undervalued
Financial Services Risk 21 · Moderate
Price$15.15
Model IV$103.59
P/IV0.16
Discount 85% Return to IV: +583.8%
PLGO
Pelagos Insurance Capital Ltd
Deeply overvalued
Financial Services Risk 56 · Elevated
Price$24.64
Model IV$16.18
P/IV1.33
Premium +52% Return to IV: -34.3%