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ERIE vs. GL: Erie Indemnity vs. Globe Life Stock Comparison

How do Erie Indemnity (ERIE) and Globe Life (GL) 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

Erie Indemnity (ERIE) and Globe Life (GL) both belong to the Insurance industry, though ERIE is classified under Property & Casualty Insurance while GL falls under Life & Health Insurance.

Company profile comparison for Erie Indemnity (ERIE) and Globe Life (GL)
Profile ItemERIEGL
NameErie Indemnity Company Class A Common StockGlobe Life Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceLife & Health Insurance
Market Capitalization14.28 billion USD11.86 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateOctober 2, 1995October 1, 1980
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

ERIE
GL
GSPC
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Erie Indemnity (ERIE) vs. Globe Life (GL), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Erie Indemnity (ERIE) and Globe Life (GL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Erie Indemnity (ERIE) and Globe Life (GL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Erie Indemnity (ERIE) and Globe Life (GL)
MetricERIEGL
Total Return (1Y)-3.52%22.37%
Total Return (3Y, Annualized)0.54%12.75%
Total Return (5Y, Annualized)5.47%12.63%

Risk Profile

Drawdown History

ERIE
GL
GSPC
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Erie Indemnity (ERIE) vs. Globe Life (GL), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Erie Indemnity (ERIE) and Globe Life (GL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Erie Indemnity (ERIE) and Globe Life (GL)
MetricERIEGL
Volatility (1Y, Annualized)38.16%21.23%
Beta (5Y)0.220.46
Max Drawdown (5Y)-60.87%-61.62%
Avg. Volume (3M)236.89K504.63K

Risk-Adjusted Performance

Risk-Return Positioning

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ERIE and GL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Erie Indemnity (ERIE) and Globe Life (GL)
MetricERIEGL
Sharpe Ratio (1Y)-0.200.85
Sortino Ratio (1Y)-0.291.13

Profitability

ROE (TTM)

Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Globe Life (GL) at 19.26% is closer to the peer norm — stronger capital efficiency for ERIE.

ERIE

Insurance industry group

23.70%

Max
41.68%
ERIE
23.70%
Q3
22.04%
Median
14.81%
Q1
8.79%
Min
-10.66%

GL

Insurance industry group

19.26%

Max
41.68%
Q3
22.04%
GL
19.26%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Globe Life (GL) at 18.89% retains a top-quartile share of revenue as profit, ahead of Erie Indemnity (ERIE) at 13.98%, which keeps about the industry-typical share.

ERIE

Insurance industry group

13.98%

Max
29.92%
Q3
17.03%
ERIE
13.98%
Median
10.97%
Q1
6.21%
Min
-4.68%

GL

Insurance industry group

18.89%

Max
29.92%
GL
18.89%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

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

Profitability Metrics

Profitability metrics for Erie Indemnity (ERIE) and Globe Life (GL)
MetricERIEGL
ROE (TTM)23.70%19.26%
ROA (TTM)13.48%3.32%
Net Margin (TTM)13.98%18.89%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Both Erie Indemnity (ERIE) at 7.41% and Globe Life (GL) at 3.74% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Erie Indemnity (ERIE) at -6.88% and Globe Life (GL) at 17.84% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Erie Indemnity (ERIE) and Globe Life (GL)
MetricERIEGL
Revenue Growth (YoY)7.41%3.74%
Revenue Growth (3Y CAGR)13.32%4.67%
EPS Growth (YoY)-6.88%17.84%
EPS Growth (3Y CAGR)23.25%23.50%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Erie Indemnity (ERIE) in Insurance and Globe Life (GL) 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: Erie Indemnity (ERIE) in Insurance and Globe Life (GL) 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

Financial strength metrics for Erie Indemnity (ERIE) and Globe Life (GL)
MetricERIEGL
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Erie Indemnity (ERIE) at 2.05% and Globe Life (GL) at 0.79% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

ERIE

Insurance industry group

2.05%

Max
5.12%
Q3
2.15%
ERIE
2.05%
Median
0.98%
Q1
0.00%
Min
0.00%

GL

Insurance industry group

0.79%

Max
5.12%
Q3
2.15%
Median
0.98%
GL
0.79%
Q1
0.00%
Min
0.00%
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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Globe Life (GL) at 8.43% 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.

ERIE

Insurance industry group

53.13%

Max
76.67%
ERIE
53.13%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%

GL

Insurance industry group

8.43%

Max
76.67%
Q3
35.18%
Median
14.74%
GL
8.43%
Q1
0.00%
Min
0.00%
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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Erie Indemnity (ERIE) and Globe Life (GL)
MetricERIEGL
Dividend Yield (TTM)2.05%0.79%
Dividend Payout Ratio (TTM)53.13%8.43%

Valuation

P/E Ratio (TTM)

Globe Life (GL) at 10.52 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.

ERIE

Insurance industry group

24.80

Max
28.37
ERIE
24.80
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32

GL

Insurance industry group

10.52

Max
28.37
Q3
18.75
Median
12.23
GL
10.52
Q1
9.08
Min
2.32
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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Globe Life (GL) at 1.89 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.

ERIE

Insurance industry group

3.46

Max
4.03
ERIE
3.46
Q3
2.25
Median
1.23
Q1
0.85
Min
0.07

GL

Insurance industry group

1.89

Max
4.03
Q3
2.25
GL
1.89
Median
1.23
Q1
0.85
Min
0.07
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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Globe Life (GL) at 1.81 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.

ERIE

Insurance industry group

5.59

ERIE
5.59
Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30

GL

Insurance industry group

1.81

Max
5.07
Q3
2.79
GL
1.81
Median
1.76
Q1
1.23
Min
0.30
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Erie Indemnity (ERIE) vs. Globe Life (GL): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Erie Indemnity (ERIE) and Globe Life (GL)
MetricERIEGL
P/E Ratio (TTM)24.8010.52
P/S Ratio (TTM)3.461.89
P/B Ratio (MRQ)5.591.81
Free Cash Flow Yield (TTM)----