ACGL vs. ERIE: Arch Capital vs. Erie Indemnity Stock Comparison
How do Arch Capital (ACGL) and Erie Indemnity (ERIE) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Arch Capital (ACGL) and Erie Indemnity (ERIE) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.
| Profile Item | ACGL | ERIE |
|---|---|---|
| Name | Arch Capital Group Ltd. | Erie Indemnity Company Class A Common Stock |
| Country/Region | Bermuda | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Property & Casualty Insurance |
| Market Capitalization | 34.92 billion USD | 14.28 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | September 14, 1995 | October 2, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ACGL | ERIE |
|---|---|---|
| Total Return (1Y) | 19.55% | -3.52% |
| Total Return (3Y, Annualized) | 9.97% | 0.54% |
| Total Return (5Y, Annualized) | 21.79% | 5.47% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ACGL | ERIE |
|---|---|---|
| Volatility (1Y, Annualized) | 21.17% | 38.16% |
| Beta (5Y) | 0.22 | 0.22 |
| Max Drawdown (5Y) | -22.43% | -60.87% |
| Avg. Volume (3M) | 2.86M | 236.89K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ACGL | ERIE |
|---|---|---|
| Sharpe Ratio (1Y) | 0.72 | -0.20 |
| Sortino Ratio (1Y) | 1.03 | -0.29 |
Profitability
ROE (TTM)
Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Arch Capital (ACGL) at 18.74% is closer to the peer norm — stronger capital efficiency for ERIE.
ACGL
Insurance industry group
18.74%
- Max
- 41.68%
- Q3
- 22.04%
- ACGL
- 18.74%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
ERIE
Insurance industry group
23.70%
- Max
- 41.68%
- ERIE
- 23.70%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Arch Capital (ACGL) at 23.31% retains a top-quartile share of revenue as profit, ahead of Erie Indemnity (ERIE) at 13.98%, which keeps about the industry-typical share.
ACGL
Insurance industry group
23.31%
- Max
- 29.92%
- ACGL
- 23.31%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
ERIE
Insurance industry group
13.98%
- Max
- 29.92%
- Q3
- 17.03%
- ERIE
- 13.98%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Arch Capital (ACGL) in Insurance and Erie Indemnity (ERIE) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ACGL | ERIE |
|---|---|---|
| ROE (TTM) | 18.74% | 23.70% |
| ROA (TTM) | 3.90% | 13.48% |
| Net Margin (TTM) | 23.31% | 13.98% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Arch Capital (ACGL) at 13.96% and Erie Indemnity (ERIE) at 7.41% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Arch Capital (ACGL) at 3.66% and Erie Indemnity (ERIE) at -6.88% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | ACGL | ERIE |
|---|---|---|
| Revenue Growth (YoY) | 13.96% | 7.41% |
| Revenue Growth (3Y CAGR) | 26.14% | 13.32% |
| EPS Growth (YoY) | 3.66% | -6.88% |
| EPS Growth (3Y CAGR) | 45.06% | 23.25% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arch Capital (ACGL) in Insurance and Erie Indemnity (ERIE) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Arch Capital (ACGL) in Insurance and Erie Indemnity (ERIE) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | ACGL | ERIE |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Arch Capital (ACGL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Erie Indemnity (ERIE) reports a yield of 2.05%, ranking against industry peers normally.
ACGL
Insurance industry group
0.00%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- ACGL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ERIE
Insurance industry group
2.05%
- Max
- 5.12%
- Q3
- 2.15%
- ERIE
- 2.05%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Arch Capital (ACGL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Erie Indemnity (ERIE) reports a payout of 53.13%, ranking against industry peers normally.
ACGL
Insurance industry group
0.00%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- ACGL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ERIE
Insurance industry group
53.13%
- Max
- 76.67%
- ERIE
- 53.13%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ACGL | ERIE |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 2.05% |
| Dividend Payout Ratio (TTM) | 0.00% | 53.13% |
Valuation
P/E Ratio (TTM)
Arch Capital (ACGL) at 8.77 sits in the cheaper P/E ratio quartile, while Erie Indemnity (ERIE) at 24.80 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
ACGL
Insurance industry group
8.77
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- ACGL
- 8.77
- Min
- 2.32
ERIE
Insurance industry group
24.80
- Max
- 28.37
- ERIE
- 24.80
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Arch Capital (ACGL) at 1.86 is priced about in line with its industry on P/S ratio, while Erie Indemnity (ERIE) at 3.46 sits in the pricier quartile — ERIE costs more per dollar of sales.
ACGL
Insurance industry group
1.86
- Max
- 4.03
- Q3
- 2.25
- ACGL
- 1.86
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
ERIE
Insurance industry group
3.46
- Max
- 4.03
- ERIE
- 3.46
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Arch Capital (ACGL) at 1.57 sits near its industry’s typical P/B ratio, while Erie Indemnity (ERIE) at 5.59 prices above its benchmark range — ERIE looks rich relative to book.
ACGL
Insurance industry group
1.57
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- ACGL
- 1.57
- Q1
- 1.23
- Min
- 0.30
ERIE
Insurance industry group
5.59
- ERIE
- 5.59
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ACGL | ERIE |
|---|---|---|
| P/E Ratio (TTM) | 8.77 | 24.80 |
| P/S Ratio (TTM) | 1.86 | 3.46 |
| P/B Ratio (MRQ) | 1.57 | 5.59 |
| Free Cash Flow Yield (TTM) | -- | -- |