Finance and Insurance

Sector Overview

The Finance and Insurance sector plays a central role in the economy by facilitating capital flows and providing risk management services. This sector includes a diverse array of entities such as banks, insurance companies, investment funds, and mortgage lenders. Some of the key functions of this sector are enabling personal and corporate lending, safeguarding assets, offering investment opportunities, and managing financial risks, which are crucial for both individual financial security and broader economic stability. Major companies in this sector, like OTP Bank and Legal & General Group plc, are vital in maintaining liquidity in markets, aiding economic growth through investments, and providing essential services like insurance which helps individuals and businesses mitigate potential financial losses.

Key drivers for the Finance and Insurance sector often include interest rates, regulatory changes, and technological advancements. For instance, low-interest rates can stimulate lending but may compress banks' net interest margins, impacting profitability. Additionally, the rise of fintech has significantly transformed the landscape, enabling traditional finance companies to adopt innovative solutions that enhance customer experience and operational efficiency. Corporate mergers and acquisitions, as well as shifts in consumer behavior towards digital banking and insurance, are also noteworthy trends affecting the sector. Overall, the Finance and Insurance sector is significant not only for its contributions to economic growth but also for its influence on the financial stability of households and businesses alike.

Key Metrics

*Weighted by Market Cap Last updated: Nov 08, 2026
Avg P/E Ratio 10.2
Profitable Companies 99%
Avg Growth 23.8%
Avg Dividend Yield 1.75%

Historical Return

Last updated: Nov 01, 2026
1 Year -5.3% +1.8% Div
3 Years Ø -0.3% +1.8% Div
5 Years Ø -0.5% +1.8% Div
1 Year +2.9% +1.8% Div
3 Years Ø +11.4% +1.8% Div
5 Years Ø +1.3% +1.8% Div

Risk & Analysis Metrics

Last updated: Nov 08, 2026

Volatility

26.77% 1 Year
23.78% 3 Years
22.25% 5 Years
26.13% 10 Years

Max Drawdown

-29.45% 1 Year
-31.92% 3 Years
-43.00% 5 Years
-50.00% 10 Years

Sharpe Ratio

-0.83 1 Year
-0.07 3 Years
-0.13 5 Years
0.08 10 Years

Volatility

14.81% 1 Year
446.29% 3 Years
352.18% 5 Years
346.88% 10 Years

Max Drawdown

-8.79% 1 Year
-15.91% 3 Years
-25.26% 5 Years
-44.04% 10 Years

Sharpe Ratio

0.86 1 Year
0.87 3 Years
0.49 5 Years
0.43 10 Years

Return Triangle (Heatmap)

Last updated: Nov 01, 2026
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
2011 -15.9% 2.3% 10.3% 28.2% 20.9% 20.2% 23.6% 18.4% 18.9% 16.9% 15.2% 13.9% 12.7% 11.8% 10.9%
2012 24.4% 26.2% 47.5% 32.4% 29.1% 31.8% 24.4% 24.2% 21.2% 18.9% 17.0% 15.5% 14.2% 13.2%
2013 28.1% 60.6% 35.2% 30.3% 33.3% 24.4% 24.1% 20.8% 18.3% 16.3% 14.7% 13.4% 12.3%
2014 101.4% 38.9% 31.0% 34.6% 23.6% 23.5% 19.8% 17.1% 15.1% 13.5% 12.2% 11.1%
2015 -4.2% 5.6% 17.7% 9.4% 12.0% 9.9% 8.4% 7.3% 6.5% 5.8% 5.3%
2016 16.5% 30.5% 14.4% 16.4% 12.9% 10.7% 9.1% 7.9% 7.0% 6.3%
2017 46.1% 13.3% 16.4% 12.1% 9.5% 7.9% 6.7% 5.9% 5.2%
2018 -12.1% 3.9% 2.6% 1.9% 1.5% 1.3% 1.1% 1.0%
2019 22.7% 10.8% 7.1% 5.3% 4.2% 3.5% 3.0%
2020 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
2021 0.0% 0.0% 0.0% 0.0% 0.0%
2022 0.0% 0.0% 0.0% 0.0%
2023 0.0% 0.0% 0.0%
2024 0.0% 0.0%
2025 0.0%
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
2011 -6.3% 7.6% 62.7% 50.5% 38.3% 35.7% 37.2% 39.2% 37.0% 39.5% 37.8% 32.4% 30.3% 29.7% 28.3%
2012 23.5% 114.3% 76.3% 52.4% 46.2% 46.2% 47.2% 43.6% 45.8% 43.2% 36.6% 34.0% 33.0% 31.2%
2013 271.9% 110.6% 63.5% 52.5% 51.2% 51.6% 46.8% 48.9% 45.6% 38.0% 35.0% 33.8% 31.9%
2014 19.3% 8.4% 13.3% 20.7% 26.7% 25.7% 30.7% 29.5% 23.6% 21.9% 22.0% 21.0%
2015 -1.4% 10.4% 21.2% 28.6% 27.0% 32.7% 31.0% 24.1% 22.3% 22.2% 21.1%
2016 23.6% 34.4% 40.6% 35.4% 40.8% 37.4% 28.3% 25.6% 25.2% 23.6%
2017 46.1% 49.9% 39.5% 45.4% 40.3% 29.1% 25.9% 25.4% 23.6%
2018 53.8% 36.3% 45.2% 38.9% 25.9% 22.8% 22.7% 21.1%
2019 20.8% 41.1% 34.2% 19.8% 17.4% 18.1% 17.0%
2020 64.8% 41.4% 19.4% 16.5% 17.6% 16.4%
2021 21.4% 1.7% 3.8% 8.1% 8.6%
2022 -14.9% -4.0% 4.0% 5.6%
2023 8.2% 14.9% 13.4%
2024 22.0% 16.1%
2025 10.5%

Distributions

Last updated: Nov 01, 2026

Profit Margin Distribution

< 0%
1%
1y 3y 5% 3%
0 - 5%
22%
1y 3y 6% 10%
5 - 10%
1%
1y 3y 15% 16%
10 - 15%
12%
1y 3y 15% 14%
15 - 20%
19%
1y 3y 20% 12%
20 - 30%
9%
1y 3y 21% 27%
30 - 40%
14%
1y 3y 12% 7%
> 40%
22%
1y 3y 7% 11%
< 0%
16%
1y 3y 18% 17%
0 - 5%
8%
1y 3y 8% 6%
5 - 10%
10%
1y 3y 11% 8%
10 - 15%
10%
1y 3y 10% 9%
15 - 20%
14%
1y 3y 15% 9%
20 - 30%
23%
1y 3y 20% 24%
30 - 40%
9%
1y 3y 6% 14%
> 40%
11%
1y 3y 13% 13%

P/E Ratio Distribution

< 0
1%
1y 3y 2% 3%
0 - 10
37%
1y 3y 15% 40%
10 - 15
27%
1y 3y 30% 15%
15 - 20
13%
1y 3y 18% 11%
20 - 25
22%
1y 3y 7% 10%
25 - 35
0%
1y 3y 11% 9%
35 - 50
0%
1y 3y 6% 5%
> 50
0%
1y 3y 12% 8%
< 0
17%
1y 3y 18% 9%
0 - 10
21%
1y 3y 19% 64%
10 - 15
29%
1y 3y 27% 9%
15 - 20
11%
1y 3y 12% 4%
20 - 25
6%
1y 3y 6% 3%
25 - 35
7%
1y 3y 8% 5%
35 - 50
3%
1y 3y 3% 3%
> 50
7%
1y 3y 7% 4%

Discounted Cash Flow

Weighted Average Undervaluation
N/A
Undervalued
> 60%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
15 - 30%
0%
1y 3y N/A N/A
Fair (&plusmn;15%)
0%
1y 3y N/A N/A
Overvalued
15 - 30%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
> 60%
0%
1y 3y N/A N/A
Equal Weight Average Undervaluation
N/A
Undervalued
> 60%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
15 - 30%
0%
1y 3y N/A N/A
Fair (&plusmn;15%)
0%
1y 3y N/A N/A
Overvalued
15 - 30%
0%
1y 3y N/A N/A
30 - 45%
0%
1y 3y N/A N/A
45 - 60%
0%
1y 3y N/A N/A
> 60%
0%
1y 3y N/A N/A

Portfolio Concentration

*by Market Cap Last updated: Nov 01, 2026
82.8% Top 5 Holdings
92.9% Top 10 Holdings
99.7% Top 50 Holdings
99.8% Top 100 Holdings
Top 5 Companies
UNH.BA Unitedhealth Group Inc
21.8%
PBCRF PT Bank Central Asia Tbk
21.8%
BKRKY Bank Rakyat Indonesia
15.0%
PPERF PT Bank Mandiri (Persero) Tbk
12.3%
AXP.BA American Express Co.
12.0%

Market Cap Size Distribution

Micro Cap
0.0%
1y 3y 0.2% 0.4%
Small Cap
0.0%
1y 3y 2.0% 3.2%
Mid Cap
0.0%
1y 3y 7.7% 11.2%
Large Cap
0.3%
1y 3y 67.0% 77.3%
Mega Cap
99.6%
1y 3y 23.0% 7.8%
Micro: < $300M Small: $300Mā€“$2B Mid: $2Bā€“$10B Large: $10Bā€“$200B Mega: > $200B
Micro Cap
24.5%
1y 3y 26.8% 30.4%
Small Cap
30.6%
1y 3y 31.2% 31.4%
Mid Cap
23.2%
1y 3y 21.8% 21.1%
Large Cap
17.1%
1y 3y 19.2% 16.9%
Mega Cap
4.7%
1y 3y 1.1% 0.2%
Micro: < $300M Small: $300Mā€“$2B Mid: $2Bā€“$10B Large: $10Bā€“$200B Mega: > $200B

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Industries

34 total
Commercial Banking
355 Companies ›
Other Financial Vehicles
174 Companies ›
Savings Institutions
120 Companies ›
Securities and Commodity Exchanges
116 Companies ›

Average metrics of all companies in sector Last updated: Nov 08, 2026

Compare to
Market
Market Cap The average market value of companies in this sector. $127T
Dividend Yield Yearly payout to shareholders per share. The percentage indicates the payout in relation to the share price. 1.75 %
Beta Indicates the relationship between the price performance of a share and the market. 0.26
P/E Ratio Ratio between share price and earnings per share. A low ratio could indicate that the stock is undervalued or investors aren't expecting high growth. A high ratio could indicate that the stock is overvalued or investors are expecting high growth. 10.16
Negative P/E Ratio A negative P/E ratio shows that the company is not profitable, and it shows how many years it would take the company to lose its entire market capitalisation if it did not change anything. -203.54
Profitable Companies 99%
PEG The ratio between the P/E ratio and the growth rate of the company's earnings per share in the last twelve months. A lower PEG could mean that a stock is undervalued. 18.87
Price to Sales Ratio Market cap divided by the revenue in the most recent year. 1.99
Price to Book Ratio Price to Book Ratio is the Market cap divided by the Book value of the company. 0.95
Compare to
Market
Enterprise Value to EBIT Enterprise Value divided by EBIT. 8.77
Enterprise Value to Revenue Enterprise value divided by revenue. 3.11
Total Debt to Enterprise Value Total debt divided by enterprise value. 0.47
Debt to Equity A higher ratio indicates a higher risk. However, the ratio is difficult to compare between industries where common amounts of debt vary. 0.97
Profit Margin Net income divided by revenue of the last 4 quarters. It indicates the company's profitability. 27.47%
Quarterly Earnings Growth (YoY) The rate at which the company's net income has increased to the same quarter one year ago. +23.8%
Return on Equity Equity divided by market cap. 18.86%
Return on Assets Indicates a company's profitability in relation to its total assets. 2.51%
Return on Invested Capital Return on invested capital (ROIC) is net income after dividends divided by the sum of debt and equity. It shows how effective a company is at turning capital invested by shareholders and other debtholders into profits. 5.37%

Stock Screener

Select filters to narrow down the 2175 companies below

2175 companies
$0B >$1T

Ratio between share price and earnings per share. A low ratio could indicate undervaluation.

<0 >50

Ratio of dividends in the last 12 months to current share price.

0% 3%

Revenue increase compared to the same quarter one year ago.

0% 30%

Net income increase compared to the same quarter one year ago.

0% 30%

Profitability of the last quarter.

<-30% >30%

A higher ratio indicates a higher risk. The ratio is difficult to compare between industries.

<0 >3

Discounted cash flow valuation vs. current price. Positive = undervalued, negative = overvalued.

<-50% >+100%
Market Cap
Dividends Ratio of dividends in the last 12 months to current share price
P/E Ratio
Revenue Revenue of the last quarter YoY Change
Net income Net income of the last quarter YoY Change
Profit margin Profit margin of the last quarter

PT Bank Central Asia Tbk - ADR

PBCRY

PT Bank Central Asia Tbk - ADR

PBCRY
Market Cap $638.78T
Dividends 7.3%
P/E Ratio 10.8
Revenue $33.8T +1709955.0%
Net Income $15.7T +1796105.7%
Profit Margin +46.4%
Employees 27.73K
View Stock

PT Bank Central Asia Tbk

BBCA.JK

PT Bank Central Asia Tbk

BBCA.JK
Market Cap $638.78T
Dividends 7.3%
P/E Ratio 10.8
Revenue $33.8T +1709955.0%
Net Income $15.7T +1796105.7%
Profit Margin +46.4%
Employees 27.73K
View Stock

PT Bank Central Asia Tbk

PBCRF

PT Bank Central Asia Tbk

PBCRF
Market Cap $638.78T
Dividends 7.3%
P/E Ratio 10.8
Revenue $33.8T +1709955.0%
Net Income $15.7T +1796105.7%
Profit Margin +46.4%
Employees 27.73K
View Stock

Bank Rakyat Indonesia - ADR

BKRKY

Bank Rakyat Indonesia - ADR

BKRKY
Market Cap $423.42T
Dividends 12.3%
P/E Ratio 6.9
Revenue $94.6T +58.8%
Net Income $15.7T +24.4%
Profit Margin +16.6%
Employees 82.18K
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PT Bank Rakyat Indonesia (Persero) Tbk

BBRI.JK

PT Bank Rakyat Indonesia (Persero) Tbk

BBRI.JK
Market Cap $423.42T
Dividends 12.3%
P/E Ratio 6.9
Revenue $94.6T +58.8%
Net Income $15.7T +24.4%
Profit Margin +16.6%
Employees 82.18K
View Stock

PT Bank Rakyat Indonesia (Persero) Tbk

BKRKF

PT Bank Rakyat Indonesia (Persero) Tbk

BKRKF
Market Cap $423.42T
Dividends 12.3%
P/E Ratio 6.9
Revenue $94.6T +58.8%
Net Income $15.7T +24.4%
Profit Margin +16.6%
Employees 82.18K
View Stock

PT Bank Mandiri (Persero) Tbk - ADR

PPERY

PT Bank Mandiri (Persero) Tbk - ADR

PPERY
Market Cap $345.33T
Dividends 14.7%
P/E Ratio 5.4
Revenue $48.4T +1590646.0%
Net Income $15.1T +1879152.4%
Profit Margin +31.2%
Employees 40.1K
View Stock

PT Bank Mandiri (Persero) Tbk

BMRI.JK

PT Bank Mandiri (Persero) Tbk

BMRI.JK
Market Cap $345.33T
Dividends 14.7%
P/E Ratio 5.4
Revenue $48.4T +1590646.0%
Net Income $15.1T +1879152.4%
Profit Margin +31.2%
Employees 40.1K
View Stock

PT Bank Mandiri (Persero) Tbk

PPERF

PT Bank Mandiri (Persero) Tbk

PPERF
Market Cap $345.33T
Dividends 14.7%
P/E Ratio 5.4
Revenue $48.4T +1590646.0%
Net Income $15.1T +1879152.4%
Profit Margin +31.2%
Employees 40.1K
View Stock

American Express Co.

AXP

American Express Co.

AXP
Market Cap $340.4T
Dividends 1.1%
P/E Ratio 18.1
Revenue $23.1B +12.5%
Net Income $3.74B +28.8%
Profit Margin +16.2%
Employees 76.8K
View Stock

American Express Company

0R3C.IL

American Express Company

0R3C.IL
Market Cap $340.4T
Dividends 1.1%
P/E Ratio 18.1
Revenue $23.1B +12.5%
Net Income $3.74B +28.8%
Profit Margin +16.2%
Employees 76.8K
View Stock

American Express Company

0R3C.L

American Express Company

0R3C.L
Market Cap $340.4T
Dividends 1.1%
P/E Ratio 18.1
Revenue $23.1B +12.5%
Net Income $3.74B +28.8%
Profit Margin +16.2%
Employees 76.8K
View Stock

American Express Company

AEC1.DE

American Express Company

AEC1.DE
Market Cap $340.4T
Dividends 1.1%
P/E Ratio 18.1
Revenue $23.1B +12.5%
Net Income $3.74B +28.8%
Profit Margin +16.2%
Employees 76.8K
View Stock

American Express Company

AXP.BA

American Express Company

AXP.BA
Market Cap $340.4T
Dividends 1.1%
P/E Ratio 18.1
Revenue $23.1B +12.5%
Net Income $3.74B +28.8%
Profit Margin +16.2%
Employees 76.8K
View Stock

Bank Negara - ADR

PTBRY

Bank Negara - ADR

PTBRY
Market Cap $126.81T
Dividends 10.3%
P/E Ratio 6.0
Revenue $26.1T +1860676.1%
Net Income $5.36T +1761099.1%
Profit Margin +20.5%
Employees 27.68K
View Stock

PT Bank Negara Indonesia (Persero) Tbk

BBNI.JK

PT Bank Negara Indonesia (Persero) Tbk

BBNI.JK
Market Cap $126.81T
Dividends 10.3%
P/E Ratio 6.0
Revenue $26.1T +1860676.1%
Net Income $5.36T +1761099.1%
Profit Margin +20.5%
Employees 27.68K
View Stock

PT Bank Negara Indonesia (Persero) Tbk

PBNNF

PT Bank Negara Indonesia (Persero) Tbk

PBNNF
Market Cap $126.81T
Dividends 10.3%
P/E Ratio 6.0
Revenue $26.1T +1860676.1%
Net Income $5.36T +1761099.1%
Profit Margin +20.5%
Employees 27.68K
View Stock

KB Financial Group Inc - ADR

KB

KB Financial Group Inc - ADR

KB
Market Cap $53.36T
Dividends 5.5%
P/E Ratio 8.3
Revenue $2.34T -41.3%
Net Income $1.91T +13.0%
Profit Margin +81.4%
Employees 141
View Stock

KB Financial Group Inc.

105560.KS

KB Financial Group Inc.

105560.KS
Market Cap $53.36T
Dividends 5.5%
P/E Ratio 8.3
Revenue $2.34T -41.3%
Net Income $1.91T +13.0%
Profit Margin +81.4%
Employees 141
View Stock

Shinhan Financial Group Co. Ltd. - ADR

SHG

Shinhan Financial Group Co. Ltd. - ADR

SHG
Market Cap $40.13T
Dividends 3.6%
P/E Ratio 7.4
Revenue $2.1T -47.3%
Net Income $1.6T +12.7%
Profit Margin +76.2%
Employees 189
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