By the StockSemáforo model · Updated September 11, 2026

Best insurance stocks

An insurer makes money two ways: underwriting policies with discipline (collecting more in premiums than it pays in claims) and investing customers' money in the meantime — the so-called «float». It's a business of restraint: growing by accepting bad risks inflates revenue today and blows up three years later. A warning about the numbers: insurance accounting —especially life— is noisy, with items that distort a single year, so look across several years and don't trust one score alone.

This ranking sorts by fundamental quality, not by whether a stock is cheap or expensive: an excellent company can be expensive. To find the fair price, enter its quote in the analyzer. The scores recompute on their own with each new SEC filing.

90

quality /100

Margin 24.4%ROE 19.5%Growth 16%FCF 31.5%

Arch Capital is a Bermuda insurer and reinsurer with a sharpshooter's reputation: it enters and exits each business line by the price of risk, married to none.

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90

quality /100

Margin 23.8%ROE 20%Growth 11.9%FCF 24.4%

Cincinnati Financial is the property insurer of quiet America: commercial and home policies sold only through local independent agents, with whom it cultivates decades-long relationships.

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88

quality /100

Margin 19%ROE 39.5%Growth 9.8%FCF 17.5%

Allstate is one of America's largest auto and home insurers — the 'good hands' of its slogan.

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87

quality /100

Margin 14.9%ROE 22.2%Growth 6.7%FCF 20%

The Hartford is a classic American insurer with two centuries of history: property-casualty coverage for small businesses — its most profitable specialty — plus employee benefits and funds.

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85

quality /100

Margin 18.6%ROE 15.3%Growth 10.5%

Chubb is one of the world's largest property and casualty insurers (home, business, accident), with a global footprint and a focus on high-end clients.

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82

quality /100

Margin 12.8%ROE 34.1%Growth 14.8%FCF 17.5%

Progressive is the most profitable U.S.

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82

quality /100

Margin 17%ROE 25.1%Growth 8.1%

Travelers is one of America's big property-casualty insurers: it covers businesses, homes and cars against fire, accidents and catastrophes.

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76

quality /100

Margin 12.9%ROE 19.6%Growth 11.7%

W.R.

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75

quality /100

Margin 7.9%ROE 17.4%Growth 6.3%FCF 12.3%

Assurant is the insurer of connected and rented things: it protects phones for carriers, appliances for retailers and mortgaged homes for banks when the owner stops insuring them.

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74

quality /100

Margin 11.4%ROE 12.4%Growth 10.7%

Everest Group is one of the world's big reinsurers, from Bermuda: it takes on the risks insurers don't want to carry alone — hurricanes, earthquakes, giant corporate policies — charging premiums that rise when the world gets scary.

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Best stocks by sector

Technology · Financial · Healthcare · Industrial · Consumer · Energy · Materials · Utilities · Artificial intelligence · Cybersecurity · Semiconductors · Defense · Software & SaaS · Banks · Telecom & media · Real estate

How is the score computed? Read how the traffic light works or explore all company analyses.

Rather set your own criteria? Filter the 500+ companies in our universe by sector, margin, ROE, debt and growth in the screener.

Who's behind the methodology and model · how the score is computed

Data: official SEC filings (EDGAR) · Recomputed on September 11, 2026

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