CINF vs. ERIE: Cincinnati Financial vs. Erie Indemnity Stock Comparison
How do Cincinnati Financial (CINF) 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
Cincinnati Financial (CINF) 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 | CINF | ERIE |
|---|---|---|
| Name | Cincinnati Financial Corporation | 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 | Property & Casualty Insurance | Property & Casualty Insurance |
| Market Capitalization | 28.47 billion USD | 14.28 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | March 17, 1980 | October 2, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CINF | ERIE |
|---|---|---|
| Total Return (1Y) | 15.64% | -3.52% |
| Total Return (3Y, Annualized) | 26.43% | 0.54% |
| Total Return (5Y, Annualized) | 11.17% | 5.47% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CINF | ERIE |
|---|---|---|
| Volatility (1Y, Annualized) | 20.57% | 38.16% |
| Beta (5Y) | 0.46 | 0.22 |
| Max Drawdown (5Y) | -35.77% | -60.87% |
| Avg. Volume (3M) | 610.21K | 236.89K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CINF | ERIE |
|---|---|---|
| Sharpe Ratio (1Y) | 0.55 | -0.20 |
| Sortino Ratio (1Y) | 0.80 | -0.29 |
Profitability
ROE (TTM)
Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Cincinnati Financial (CINF) at 16.87% is closer to the peer norm — stronger capital efficiency for ERIE.
CINF
Insurance industry group
16.87%
- Max
- 41.68%
- Q3
- 22.04%
- CINF
- 16.87%
- 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)
Cincinnati Financial (CINF) at 20.07% retains a top-quartile share of revenue as profit, ahead of Erie Indemnity (ERIE) at 13.98%, which keeps about the industry-typical share.
CINF
Insurance industry group
20.07%
- Max
- 29.92%
- CINF
- 20.07%
- 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 Cincinnati Financial (CINF) 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 | CINF | ERIE |
|---|---|---|
| ROE (TTM) | 16.87% | 23.70% |
| ROA (TTM) | 5.03% | 13.48% |
| Net Margin (TTM) | 20.07% | 13.98% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Cincinnati Financial (CINF) at 11.41% 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 Cincinnati Financial (CINF) at 4.40% 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 | CINF | ERIE |
|---|---|---|
| Revenue Growth (YoY) | 11.41% | 7.41% |
| Revenue Growth (3Y CAGR) | 24.39% | 13.32% |
| EPS Growth (YoY) | 4.40% | -6.88% |
| EPS Growth (3Y CAGR) | -- | 23.25% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Cincinnati Financial (CINF) 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: Cincinnati Financial (CINF) 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 | CINF | ERIE |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Cincinnati Financial (CINF) at 1.96% and Erie Indemnity (ERIE) at 2.05% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
CINF
Insurance industry group
1.96%
- Max
- 5.12%
- Q3
- 2.15%
- CINF
- 1.96%
- Median
- 0.98%
- 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)
Cincinnati Financial (CINF) at 21.65% pays out a band-typical share of earnings, while Erie Indemnity (ERIE) at 53.13% distributes more than its industry norm — less retained, thinner cover.
CINF
Insurance industry group
21.65%
- Max
- 76.67%
- Q3
- 35.18%
- CINF
- 21.65%
- 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 | CINF | ERIE |
|---|---|---|
| Dividend Yield (TTM) | 1.96% | 2.05% |
| Dividend Payout Ratio (TTM) | 21.65% | 53.13% |
Valuation
P/E Ratio (TTM)
Cincinnati Financial (CINF) at 10.88 is near its industry’s usual P/E ratio, while Erie Indemnity (ERIE) at 24.80 sits in the richer quartile — ERIE needs stronger growth or earnings quality to justify the premium.
CINF
Insurance industry group
10.88
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- CINF
- 10.88
- 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)
Cincinnati Financial (CINF) at 2.14 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.
CINF
Insurance industry group
2.14
- Max
- 4.03
- Q3
- 2.25
- CINF
- 2.14
- 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)
Cincinnati Financial (CINF) at 1.76 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.
CINF
Insurance industry group
1.76
- Max
- 5.07
- Q3
- 2.79
- CINF
- 1.76
- 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 | CINF | ERIE |
|---|---|---|
| P/E Ratio (TTM) | 10.88 | 24.80 |
| P/S Ratio (TTM) | 2.14 | 3.46 |
| P/B Ratio (MRQ) | 1.76 | 5.59 |
| Free Cash Flow Yield (TTM) | -- | -- |