Sectors & Industries Financial ServicesInsurance - Diversified
Best Diversified Insurance Stocks to Buy Now (2026)
Top diversified insurance stocks in 2026 ranked by overall Zen Rating. "A" Rated stocks have returned an average of +28.50% per year, and are the best diversified insurance stocks to buy now. Learn More.

Industry: Insurance - Diversified

Growth Financials Momentum Sentiment Forecast Dividends Due Diligence

Insurance - Diversified is Zen Rated C and is the 61st ranked industry out of 145 stock market industries

Ticker	Company	Price	Graham Fair Value	Graham Fair Value %	P/E	Forward P/E	P/S	P/B	PEG	Free Cash Flow	Free Cash Flow Yield	Book Value	BVPS	EV	EV/EBITDA
PLGO	PELAGOS INSURANCE CAPITAL LTD	$23.81	N/A	N/A	5.86x	7.68x	0.80x	0.89x	N/A	$630.10M	31.35%	$2.22B	26.31	$2.17B	4.32
AIG	AMERICAN INTERNATIONAL GROUP INC	$75.66	$57.52	31.53%	13.73x	9.32x	1.50x	0.97x	0.68x	$3.85B	9.61%	$40.61B	76.68	$47.20B	6.27
XZO	EXZEO GROUP INC	$15.22	$4.94	208.32%	15.37x	15.09x	6.18x	4.76x	10.27x	$81.53M	5.95%	$288.17M	3.20	$1.24B	10.41
WDH	WATERDROP INC	$1.02	N/A	N/A	4.55x	2.18x	0.48x	0.46x	N/A	N/A	N/A	$791.82M	2.21	$162.66M	N/A
GSHD	GOOSEHEAD INSURANCE INC	$43.72	$21.03	107.86%	30.57x	19.99x	2.58x	-13.81x	0.87x	$61.15M	5.90%	-$112.40M	-4.74	$1.90B	23.72
SLF	SUN LIFE FINANCIAL INC	$75.82	N/A	N/A	17.79x	N/A	1.65x	2.27x	N/A	$3.26B	7.76%	$18.48B	33.36	$39.61B	N/A
IGIC	INTERNATIONAL GENERAL INSURANCE HOLDINGS LTD	$24.54	$16.47	49.03%	9.74x	9.65x	1.95x	1.53x	1.43x	$134.83M	13.18%	$668.94M	16.04	$826.02M	N/A
AEG	AEGON LTD	$8.35	N/A	N/A	12.32x	N/A	0.96x	1.22x	N/A	$457.47M	3.47%	$10.82B	6.84	$14.01B	13.93
HIG	HARTFORD INSURANCE GROUP INC	$126.92	N/A	N/A	8.10x	9.75x	1.18x	1.75x	N/A	$5.87B	17.08%	$19.63B	72.48	$38.55B	6.46
ORI	OLD REPUBLIC INTERNATIONAL CORP	$37.71	N/A	N/A	8.06x	12.51x	0.93x	1.50x	N/A	$1.28B	14.15%	$6.07B	25.32	$10.97B	7.24
BRK.B	BERKSHIRE HATHAWAY INC	$506.25	$10.06k	-94.97%	12.73x	0.02x	2.47x	1.45x	0.01x	$24.22B	2.23%	$747.91B	349.42	$1.17T	9.31
ACGL	ARCH CAPITAL GROUP LTD	$94.33	N/A	N/A	7.25x	9.85x	1.68x	1.34x	N/A	$6.06B	18.70%	$24.03B	70.02	$35.37B	6.21
EQH	EQUITABLE HOLDINGS INC	$53.23	N/A	N/A	-15.70x	7.35x	1.40x	-18.51x	N/A	$1.32B	8.92%	-$785.00M	-2.82	$4.09B	34.65

Diversified Insurance Stocks FAQ

What are the best diversified insurance stocks to buy right now in Oct 2026?

According to Zen Ratings, our proprietary rating system that evaluates 115 factors proven to drive growth in stocks and assigns each stock in our system an overall letter grade as well as 7 individual Component Grades for Value, Growth, Momentum, Sentiment, Safety, Financials, and proprietary AI algorithms, the 3 best diversified insurance stocks to buy right now are:

1. Pelagos Insurance Capital (NYSE:PLGO)

Pelagos Insurance Capital (NYSE:PLGO) is the #1 top diversified insurance stock out of 13 with a Zen Rating of C. Stocks with a rating of C have had an average return of +5.11% per year. Learn more.

The Component Grade breakdown for Pelagos Insurance Capital (NYSE:PLGO) is: Value: B, Growth: C, Momentum: B, Sentiment: D, Safety: C, Financials: C, and AI: B.

Pelagos Insurance Capital (NYSE:PLGO) has a Due Diligence Score of 27, which is -10 points lower than the diversified insurance industry average of 37.

PLGO passed 9 out of 38 due diligence checks and has average fundamentals. Pelagos Insurance Capital has seen its stock return 27.94% over the past year, overperforming other diversified insurance stocks by 30 percentage points.

Pelagos Insurance Capital has an average 1 year price target of $27.00, an upside of 13.4% from Pelagos Insurance Capital's current stock price of $23.81.

Pelagos Insurance Capital stock has a consensus Hold recommendation according to Wall Street analysts. Of the 5 analysts covering Pelagos Insurance Capital, 20% have issued a Strong Buy rating, 40% have issued a Buy, 20% have issued a hold, while 0% have issued a Sell rating, and 20% have issued a Strong Sell.

2. American International Group (NYSE:AIG)

American International Group (NYSE:AIG) is the #2 top diversified insurance stock out of 13 with a Zen Rating of C. Stocks with a rating of C have had an average return of +5.11% per year. Learn more.

The Component Grade breakdown for American International Group (NYSE:AIG) is: Value: C, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

American International Group (NYSE:AIG) has a Due Diligence Score of 48, which is 11 points higher than the diversified insurance industry average of 37.

AIG passed 17 out of 38 due diligence checks and has strong fundamentals. American International Group has seen its stock lose -9.98% over the past year, underperforming other diversified insurance stocks by -8 percentage points.

American International Group has an average 1 year price target of $87.71, an upside of 15.93% from American International Group's current stock price of $75.66.

American International Group stock has a consensus Buy recommendation according to Wall Street analysts. Of the 14 analysts covering American International Group, 28.57% have issued a Strong Buy rating, 7.14% have issued a Buy, 64.29% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Exzeo Group (NYSE:XZO)

Exzeo Group (NYSE:XZO) is the #3 top diversified insurance stock out of 13 with a Zen Rating of C. Stocks with a rating of C have had an average return of +5.11% per year. Learn more.

The Component Grade breakdown for Exzeo Group (NYSE:XZO) is: Value: C, Growth: D, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: C.

Exzeo Group (NYSE:XZO) has a Due Diligence Score of 51, which is 14 points higher than the diversified insurance industry average of 37.

XZO passed 17 out of 33 due diligence checks and has strong fundamentals.

What are the diversified insurance stocks with highest dividends?

Out of 9 diversified insurance stocks that have issued dividends in the past year, the 3 diversified insurance stocks with the highest dividend yields are:

1. Old Republic International (NYSE:ORI)

Old Republic International (NYSE:ORI) has an annual dividend yield of 9.9%, which is 6 percentage points higher than the diversified insurance industry average of 3.84%. Old Republic International's dividend payout is not stable, having dropped more than 10% seven times in the last 10 years. Old Republic International's dividend has shown consistent growth over the last 10 years.

Old Republic International's dividend payout ratio of 79.3% indicates that its high dividend yield is sustainable for the long-term.

2. International General Insurance Holdings (NASDAQ:IGIC)

International General Insurance Holdings (NASDAQ:IGIC) has an annual dividend yield of 5.7%, which is 2 percentage points higher than the diversified insurance industry average of 3.84%. International General Insurance Holdings's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. International General Insurance Holdings's dividend has not shown consistent growth over the last 10 years.

International General Insurance Holdings's dividend payout ratio of 55.6% indicates that its high dividend yield is sustainable for the long-term.

3. Aegon (NYSE:AEG)

Aegon (NYSE:AEG) has an annual dividend yield of 5.45%, which is 2 percentage points higher than the diversified insurance industry average of 3.84%. Aegon's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. Aegon's dividend has shown consistent growth over the last 10 years.

Aegon's dividend payout ratio of 65% indicates that its high dividend yield is sustainable for the long-term.

Why are diversified insurance stocks down?

Diversified insurance stocks were down -0.24% in the last day, and up 1.45% over the last week.

We couldn't find a catalyst for why diversified insurance stocks are down.

What are the most undervalued diversified insurance stocks?

Based on the Valuation rating, one of the 7 components of a stocks overall Zen Ratings grade, which evaluates factors including estimated earnings yield, earnings before interest and taxes/enterprise value, cash flow yield, free cash flow to price, and price-to-earnings growth (PEG ratio), the 3 most undervalued diversified insurance stocks right now are:

1. Pelagos Insurance Capital (NYSE:PLGO)

Pelagos Insurance Capital (NYSE:PLGO) is the most undervalued diversified insurance stock based on its Valuation Rating of B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Pelagos Insurance Capital has a valuation score of 43, which is 10 points higher than the diversified insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

Pelagos Insurance Capital's stock has gained 27.94% in the past year. It has overperformed other stocks in the diversified insurance industry by 30 percentage points.

2. Waterdrop (NYSE:WDH)

Waterdrop (NYSE:WDH) is the second most undervalued diversified insurance stock based on its Valuation Rating of B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Waterdrop has a valuation score of 43, which is 10 points higher than the diversified insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

Waterdrop's stock has dropped -47.15% in the past year. It has underperformed other stocks in the diversified insurance industry by -46 percentage points.

3. Aegon (NYSE:AEG)

Aegon (NYSE:AEG) is the third most undervalued diversified insurance stock based on its Valuation Rating of B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Aegon has a valuation score of 29, which is -4 points higher than the diversified insurance industry average of 33. It passed 2 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates AEG a Valuation Rating of "B".

Aegon's stock has gained 6.64% in the past year. It has overperformed other stocks in the diversified insurance industry by 8 percentage points.

Are diversified insurance stocks a good buy now?

60% of diversified insurance stocks rated by analysts are a buy right now. On average, analysts expect diversified insurance stocks to rise by 20.49% over the next year.

0% of diversified insurance stocks have a Zen Rating of A (Strong Buy), 0% of diversified insurance stocks are rated B (Buy), 100% are rated C (Hold), 0% are rated D (Sell), and 0% are rated F (Strong Sell).

What is the average p/e ratio of the insurance - diversified industry?

The average P/E ratio of the insurance - diversified industry is 12.31x.

WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.

Diversified Insurance Stocks FAQ

1. Pelagos Insurance Capital (NYSE:PLGO)

2. American International Group (NYSE:AIG)

3. Exzeo Group (NYSE:XZO)

1. Old Republic International (NYSE:ORI)

2. International General Insurance Holdings (NASDAQ:IGIC)

3. Aegon (NYSE:AEG)

1. Pelagos Insurance Capital (NYSE:PLGO)

2. Waterdrop (NYSE:WDH)

3. Aegon (NYSE:AEG)

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