ERIE vs. FNF: Erie Indemnity vs. Fidelity National Financial Stock Comparison

Company Profile

Erie Indemnity (ERIE) and Fidelity National Financial (FNF) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Fidelity National Financial (FNF) at 15.10% is closer to the peer norm — stronger capital efficiency for ERIE.

Both Erie Indemnity (ERIE) at 13.98% and Fidelity National Financial (FNF) at 7.00% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Erie Indemnity (ERIE) in Insurance and Fidelity National Financial (FNF) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Erie Indemnity (ERIE) at 7.41% and Fidelity National Financial (FNF) at 5.88% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Erie Indemnity (ERIE) at -6.88% is around its peer norm for EPS growth, while Fidelity National Financial (FNF) at -52.47% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Erie Indemnity (ERIE) in Insurance and Fidelity National Financial (FNF) 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-to-equity ratio is set aside for both: Erie Indemnity (ERIE) in Insurance and Fidelity National Financial (FNF) 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

Dividends

Fidelity National Financial (FNF) at 4.85% delivers top-quartile income for its industry, while Erie Indemnity (ERIE) at 2.05% pays a more typical yield — both are credible income propositions, FNF the richer one.

Both Erie Indemnity (ERIE) at 53.13% and Fidelity National Financial (FNF) at 53.20% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Fidelity National Financial (FNF) at 11.21 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.

Fidelity National Financial (FNF) at 0.79 looks cheap on sales in the lower P/S ratio quartile, while Erie Indemnity (ERIE) at 3.46 looks rich in the upper quartile — a clear gap in price per dollar of revenue.

Fidelity National Financial (FNF) at 1.59 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.

Valuation Metrics