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

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

Company Profile

SymbolCOFERIE
Company NameCapital One Financial CorporationErie Indemnity Company
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryConsumer FinanceInsurance
Market Capitalization138.76 billion USD19.29 billion USD
ExchangeNYSENasdaqGS
Listing DateNovember 16, 1994October 2, 1995
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of COF 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.

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

Historical Performance at a Glance

SymbolCOFERIE
5-Day Price Return4.67%4.64%
13-Week Price Return8.51%3.21%
26-Week Price Return5.00%-10.64%
52-Week Price Return64.22%-18.29%
Month-to-Date Return0.92%3.57%
Year-to-Date Return21.67%-10.50%
10-Day Avg. Volume3.53M0.16M
3-Month Avg. Volume4.71M0.15M
3-Month Volatility28.60%23.94%
Beta1.220.33

Profitability

Return on Equity (TTM)

COF

0.00%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

COF’s Return on Equity of 0.00% is in the lower quartile for the Consumer Finance 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.

COF vs. ERIE: A comparison of their Return on Equity (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Net Profit Margin (TTM)

COF

14.90%

Consumer Finance Industry

Max
19.68%
Q3
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

COF’s Net Profit Margin of 14.90% is aligned with the median group of its peers in the Consumer Finance 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.

COF vs. ERIE: A comparison of their Net Profit Margin (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Operating Profit Margin (TTM)

COF

18.33%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
Min
-5.45%

COF’s Operating Profit Margin of 18.33% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

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.

COF vs. ERIE: A comparison of their Operating Profit Margin (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Profitability at a Glance

SymbolCOFERIE
Return on Equity (TTM)0.00%30.53%
Return on Assets (TTM)0.00%21.10%
Net Profit Margin (TTM)14.90%15.73%
Operating Profit Margin (TTM)18.33%17.49%
Gross Profit Margin (TTM)--17.57%

Financial Strength

Current Ratio (MRQ)

COF

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

For the Consumer Finance 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.

COF vs. ERIE: A comparison of their Current Ratio (MRQ) against their respective Consumer Finance and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

COF

0.47

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

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

COF vs. ERIE: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Consumer Finance and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

COF

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

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

COF vs. ERIE: A comparison of their Interest Coverage Ratio (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Financial Strength at a Glance

SymbolCOFERIE
Current Ratio (MRQ)--1.47
Quick Ratio (MRQ)--1.39
Debt-to-Equity Ratio (MRQ)0.470.00
Interest Coverage Ratio (TTM)--538.86

Growth

Revenue Growth

COF 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

COF 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)

COF

0.95%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

COF’s Dividend Yield of 0.95% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

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.

COF vs. ERIE: A comparison of their Dividend Yield (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

COF

23.78%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
Min
0.00%

COF’s Dividend Payout Ratio of 23.78% is within the typical range for the Consumer Finance 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.

COF vs. ERIE: A comparison of their Dividend Payout Ratio (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Dividend at a Glance

SymbolCOFERIE
Dividend Yield (TTM)0.95%1.45%
Dividend Payout Ratio (TTM)23.78%39.35%

Valuation

Price-to-Earnings Ratio (TTM)

COF

28.43

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

A P/E Ratio of 28.43 places COF in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

ERIE

27.14

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

A P/E Ratio of 27.14 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.

COF vs. ERIE: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

COF

1.12

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

In the lower quartile for the Consumer Finance industry, COF’s P/S Ratio of 1.12 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

ERIE

4.27

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

With a P/S Ratio of 4.27, 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.

COF vs. ERIE: A comparison of their Price-to-Sales Ratio (TTM) against their respective Consumer Finance and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

COF

1.23

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

COF’s P/B Ratio of 1.23 is within the conventional range for the Consumer Finance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

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.

COF vs. ERIE: A comparison of their Price-to-Book Ratio (MRQ) against their respective Consumer Finance and Insurance industry benchmarks.

Valuation at a Glance

SymbolCOFERIE
Price-to-Earnings Ratio (TTM)28.4327.14
Price-to-Sales Ratio (TTM)1.124.27
Price-to-Book Ratio (MRQ)1.238.30
Price-to-Free Cash Flow Ratio (TTM)7.6030.07