ERIE vs. HIG: Erie Indemnity vs. Hartford Insurance Stock Comparison
How do Erie Indemnity (ERIE) and Hartford Insurance (HIG) 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 Hartford Insurance (HIG) both belong to the Insurance industry, though ERIE is classified under Property & Casualty Insurance while HIG falls under Multi-line Insurance.
| Profile Item | ERIE | HIG |
|---|---|---|
| Name | Erie Indemnity Company Class A Common Stock | The Hartford Insurance Group, Inc. |
| 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 | Multi-line Insurance |
| Market Capitalization | 14.28 billion USD | 35.83 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | October 2, 1995 | December 15, 1995 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ERIE | HIG |
|---|---|---|
| Total Return (1Y) | -3.52% | 5.95% |
| Total Return (3Y, Annualized) | 0.54% | 24.69% |
| Total Return (5Y, Annualized) | 5.47% | 15.57% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ERIE | HIG |
|---|---|---|
| Volatility (1Y, Annualized) | 38.16% | 20.18% |
| Beta (5Y) | 0.22 | 0.46 |
| Max Drawdown (5Y) | -60.87% | -18.63% |
| Avg. Volume (3M) | 236.89K | 1.65M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ERIE | HIG |
|---|---|---|
| Sharpe Ratio (1Y) | -0.20 | 0.08 |
| Sortino Ratio (1Y) | -0.29 | 0.12 |
Profitability
ROE (TTM)
Both Erie Indemnity (ERIE) at 23.70% and Hartford Insurance (HIG) at 23.25% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
ERIE
Insurance industry group
23.70%
- Max
- 41.68%
- ERIE
- 23.70%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
HIG
Insurance industry group
23.25%
- Max
- 41.68%
- HIG
- 23.25%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Erie Indemnity (ERIE) at 13.98% and Hartford Insurance (HIG) at 15.58% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
ERIE
Insurance industry group
13.98%
- Max
- 29.92%
- Q3
- 17.03%
- ERIE
- 13.98%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
HIG
Insurance industry group
15.58%
- Max
- 29.92%
- Q3
- 17.03%
- HIG
- 15.58%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Erie Indemnity (ERIE) in Insurance and Hartford Insurance (HIG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ERIE | HIG |
|---|---|---|
| ROE (TTM) | 23.70% | 23.25% |
| ROA (TTM) | 13.48% | 4.09% |
| Net Margin (TTM) | 13.98% | 15.58% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Erie Indemnity (ERIE) at 7.41% and Hartford Insurance (HIG) at 6.39% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Erie Indemnity (ERIE) at -6.88% and Hartford Insurance (HIG) at 28.70% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | ERIE | HIG |
|---|---|---|
| Revenue Growth (YoY) | 7.41% | 6.39% |
| Revenue Growth (3Y CAGR) | 13.32% | 8.70% |
| EPS Growth (YoY) | -6.88% | 28.70% |
| EPS Growth (3Y CAGR) | 23.25% | 34.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Erie Indemnity (ERIE) in Insurance and Hartford Insurance (HIG) 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 Hartford Insurance (HIG) 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 | ERIE | HIG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Erie Indemnity (ERIE) at 2.05% and Hartford Insurance (HIG) at 1.75% 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%
HIG
Insurance industry group
1.75%
- Max
- 5.12%
- Q3
- 2.15%
- HIG
- 1.75%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Hartford Insurance (HIG) at 15.48% 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%
HIG
Insurance industry group
15.48%
- Max
- 76.67%
- Q3
- 35.18%
- HIG
- 15.48%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ERIE | HIG |
|---|---|---|
| Dividend Yield (TTM) | 2.05% | 1.75% |
| Dividend Payout Ratio (TTM) | 53.13% | 15.48% |
Valuation
P/E Ratio (TTM)
Hartford Insurance (HIG) at 8.97 sits in the cheaper P/E ratio quartile, while Erie Indemnity (ERIE) at 24.80 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
ERIE
Insurance industry group
24.80
- Max
- 28.37
- ERIE
- 24.80
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
HIG
Insurance industry group
8.97
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- HIG
- 8.97
- Min
- 2.32
P/S Ratio (TTM)
Hartford Insurance (HIG) at 1.21 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
HIG
Insurance industry group
1.21
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- HIG
- 1.21
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Hartford Insurance (HIG) at 1.94 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
HIG
Insurance industry group
1.94
- Max
- 5.07
- Q3
- 2.79
- HIG
- 1.94
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ERIE | HIG |
|---|---|---|
| P/E Ratio (TTM) | 24.80 | 8.97 |
| P/S Ratio (TTM) | 3.46 | 1.21 |
| P/B Ratio (MRQ) | 5.59 | 1.94 |
| Free Cash Flow Yield (TTM) | -- | -- |