AJG vs. ERIE: A Head-to-Head Stock Comparison

Updated on August 24, 2025

Here’s a clear look at AJG and ERIE, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	AJG	ERIE
Company Name	Arthur J. Gallagher & Co.	Erie Indemnity Company
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Insurance
Market Capitalization	77.59 billion USD	19.05 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	June 20, 1984	October 2, 1995
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of AJG and ERIE by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

AJG vs. ERIE: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	AJG	ERIE
5-Day Price Return	1.99%	-1.03%
13-Week Price Return	-12.06%	-2.26%
26-Week Price Return	-7.28%	-7.22%
52-Week Price Return	5.58%	-23.88%
Month-to-Date Return	4.78%	2.26%
Year-to-Date Return	6.03%	-11.63%
10-Day Avg. Volume	1.52M	0.14M
3-Month Avg. Volume	1.42M	0.15M
3-Month Volatility	22.99%	23.53%
Beta	0.74	0.33

Profitability

Return on Equity (TTM)

AJG

8.45%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

AJG’s Return on Equity of 8.45% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

ERIE

30.53%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

ERIE’s Return on Equity of 30.53% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

AJG vs. ERIE: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

Net Profit Margin (TTM)

AJG

13.16%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

AJG’s Net Profit Margin of 13.16% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

ERIE

15.73%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 15.73% places ERIE in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

AJG vs. ERIE: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

Operating Profit Margin (TTM)

AJG

21.19%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

ERIE

17.49%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

AJG vs. ERIE: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

Symbol	AJG	ERIE
Return on Equity (TTM)	8.45%	30.53%
Return on Assets (TTM)	2.38%	21.10%
Net Profit Margin (TTM)	13.16%	15.73%
Operating Profit Margin (TTM)	21.19%	17.49%
Gross Profit Margin (TTM)	46.51%	17.57%

Financial Strength

Current Ratio (MRQ)

AJG

1.36

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ERIE

1.47

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AJG vs. ERIE: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

Debt-to-Equity Ratio (MRQ)

AJG

0.56

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

ERIE

0.00

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

AJG vs. ERIE: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

Interest Coverage Ratio (TTM)

AJG

5.92

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

ERIE

538.86

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

AJG vs. ERIE: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

Symbol	AJG	ERIE
Current Ratio (MRQ)	1.36	1.47
Quick Ratio (MRQ)	1.36	1.39
Debt-to-Equity Ratio (MRQ)	0.56	0.00
Interest Coverage Ratio (TTM)	5.92	538.86

Growth

Revenue Growth

AJG vs. ERIE: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

AJG vs. ERIE: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

AJG

0.77%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

AJG’s Dividend Yield of 0.77% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

ERIE

1.45%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

ERIE’s Dividend Yield of 1.45% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

AJG vs. ERIE: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

AJG

36.32%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

AJG’s Dividend Payout Ratio of 36.32% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

ERIE

39.35%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

ERIE’s Dividend Payout Ratio of 39.35% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

AJG vs. ERIE: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

Symbol	AJG	ERIE
Dividend Yield (TTM)	0.77%	1.45%
Dividend Payout Ratio (TTM)	36.32%	39.35%

Valuation

Price-to-Earnings Ratio (TTM)

AJG

47.03

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

At 47.03, AJG’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

ERIE

27.21

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

A P/E Ratio of 27.21 places ERIE in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

AJG vs. ERIE: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

AJG

6.19

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

With a P/S Ratio of 6.19, AJG trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

ERIE

4.28

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

With a P/S Ratio of 4.28, ERIE trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

AJG vs. ERIE: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

Price-to-Book Ratio (MRQ)

AJG

3.56

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

AJG’s P/B Ratio of 3.56 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

ERIE

8.30

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

At 8.30, ERIE’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

AJG vs. ERIE: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

Symbol	AJG	ERIE
Price-to-Earnings Ratio (TTM)	47.03	27.21
Price-to-Sales Ratio (TTM)	6.19	4.28
Price-to-Book Ratio (MRQ)	3.56	8.30
Price-to-Free Cash Flow Ratio (TTM)	30.56	30.15