AJG vs. ERIE: Arthur J. Gallagher vs. Erie Indemnity Stock Comparison
How do Arthur J. Gallagher (AJG) 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
Arthur J. Gallagher (AJG) and Erie Indemnity (ERIE) both belong to the Insurance industry, though AJG is classified under Insurance Brokers while ERIE falls under Property & Casualty Insurance.
| Profile Item | AJG | ERIE |
|---|---|---|
| Name | Arthur J. Gallagher & Co. | Erie Indemnity Company Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Insurance Brokers | Property & Casualty Insurance |
| Market Capitalization | 72.21 billion USD | 14.28 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | June 20, 1984 | October 2, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AJG | ERIE |
|---|---|---|
| Total Return (1Y) | 13.67% | -3.52% |
| Total Return (3Y, Annualized) | 5.42% | 0.54% |
| Total Return (5Y, Annualized) | 12.86% | 5.47% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | AJG | ERIE |
|---|---|---|
| Volatility (1Y, Annualized) | 32.13% | 38.16% |
| Beta (5Y) | 0.46 | 0.22 |
| Max Drawdown (5Y) | -44.40% | -60.87% |
| Avg. Volume (3M) | 1.52M | 236.89K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AJG | ERIE |
|---|---|---|
| Sharpe Ratio (1Y) | 0.29 | -0.20 |
| Sortino Ratio (1Y) | 0.43 | -0.29 |
Profitability
ROE (TTM)
Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Arthur J. Gallagher (AJG) at 7.21% is in the bottom quartile, showing a clear gap in returns on equity.
AJG
Insurance industry group
7.21%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- AJG
- 7.21%
- 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)
Both Arthur J. Gallagher (AJG) at 10.78% and Erie Indemnity (ERIE) at 13.98% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
AJG
Insurance industry group
10.78%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AJG
- 10.78%
- 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 Arthur J. Gallagher (AJG) 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 | AJG | ERIE |
|---|---|---|
| ROE (TTM) | 7.21% | 23.70% |
| ROA (TTM) | 2.57% | 13.48% |
| Net Margin (TTM) | 10.78% | 13.98% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Arthur J. Gallagher (AJG) at 20.66% 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 Arthur J. Gallagher (AJG) at -11.69% 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 | AJG | ERIE |
|---|---|---|
| Revenue Growth (YoY) | 20.66% | 7.41% |
| Revenue Growth (3Y CAGR) | 17.70% | 13.32% |
| EPS Growth (YoY) | -11.69% | -6.88% |
| EPS Growth (3Y CAGR) | 3.41% | 23.25% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arthur J. Gallagher (AJG) 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: Arthur J. Gallagher (AJG) 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 | AJG | ERIE |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Arthur J. Gallagher (AJG) at 0.95% and Erie Indemnity (ERIE) at 2.05% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
AJG
Insurance industry group
0.95%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- AJG
- 0.95%
- 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)
Both Arthur J. Gallagher (AJG) at 41.98% and Erie Indemnity (ERIE) at 53.13% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
AJG
Insurance industry group
41.98%
- Max
- 76.67%
- AJG
- 41.98%
- Q3
- 35.18%
- Median
- 14.74%
- 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 | AJG | ERIE |
|---|---|---|
| Dividend Yield (TTM) | 0.95% | 2.05% |
| Dividend Payout Ratio (TTM) | 41.98% | 53.13% |
Valuation
P/E Ratio (TTM)
Both look expensive on trailing earnings: Erie Indemnity (ERIE) at 24.80 sits in the richer P/E ratio quartile, and Arthur J. Gallagher (AJG) at 42.99 is richer still, above its industry range.
AJG
Insurance industry group
42.99
- AJG
- 42.99
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- 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)
Both look expensive on sales: Erie Indemnity (ERIE) at 3.46 sits in the upper P/S ratio quartile, and Arthur J. Gallagher (AJG) at 4.58 prices even higher, above its industry range.
AJG
Insurance industry group
4.58
- AJG
- 4.58
- Max
- 4.03
- Q3
- 2.25
- 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)
Both look rich against book: Arthur J. Gallagher (AJG) at 3.00 sits in the upper P/B ratio quartile, and Erie Indemnity (ERIE) at 5.59 prices even higher, above its industry range.
AJG
Insurance industry group
3.00
- Max
- 5.07
- AJG
- 3.00
- Q3
- 2.79
- Median
- 1.76
- 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 | AJG | ERIE |
|---|---|---|
| P/E Ratio (TTM) | 42.99 | 24.80 |
| P/S Ratio (TTM) | 4.58 | 3.46 |
| P/B Ratio (MRQ) | 3.00 | 5.59 |
| Free Cash Flow Yield (TTM) | -- | -- |