Insurance Archives - Page 2 of 2

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

42 /100 Elevated ▲ +7 mild

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.

50 Elevated

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.

45 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.

49.7%

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%.

54%

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%.

32%

Moderate

Black number = the raw figure; coloured bar & word = how it reads as risk. Insider inputs from 41 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.

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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…

PRH

PRUDENTIAL FINANCIAL INC

Deeply undervalued

Financial Services Risk 26 · Moderate

Price$21.58

Model IV$103.59

P/IV0.22

Discount 79% Return to IV: +380.0%

PRI

Primerica, Inc.

Deeply overvalued

Financial Services Risk 75 · High