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

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

Company Profile

ERIE is a standard domestic listing, while IBN trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

SymbolERIEIBN
Company NameErie Indemnity CompanyICICI Bank Limited
CountryUnited StatesIndia
GICS SectorFinancialsFinancials
GICS IndustryInsuranceBanks
Market Capitalization15.02 billion USD113.11 billion USD
ExchangeNasdaqGSNYSE
Listing DateOctober 2, 1995March 28, 2000
Security TypeCommon StockADR

Historical Performance

This chart compares the performance of ERIE and IBN 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.

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

Historical Performance at a Glance

SymbolERIEIBN
5-Day Price Return3.22%1.47%
13-Week Price Return-21.81%-2.98%
26-Week Price Return-20.26%-3.62%
52-Week Price Return-30.20%-0.10%
Month-to-Date Return-2.07%2.49%
Year-to-Date Return-30.48%7.44%
10-Day Avg. Volume0.15M12.05M
3-Month Avg. Volume0.14M10.44M
3-Month Volatility30.91%14.42%
Beta0.38-0.06

Profitability

Return on Equity (TTM)

ERIE

30.32%

Insurance Industry

Max
31.64%
Q3
19.22%
Median
14.77%
Q1
10.48%
Min
2.20%

In the upper quartile for the Insurance industry, ERIE’s Return on Equity of 30.32% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

IBN

16.76%

Banks Industry

Max
25.75%
Q3
15.51%
Median
11.91%
Q1
8.65%
Min
-1.41%

In the upper quartile for the Banks industry, IBN’s Return on Equity of 16.76% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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

Net Profit Margin (TTM)

ERIE

16.04%

Insurance Industry

Max
28.47%
Q3
15.63%
Median
10.40%
Q1
6.94%
Min
-3.51%

A Net Profit Margin of 16.04% places ERIE in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

IBN

27.24%

Banks Industry

Max
54.20%
Q3
35.60%
Median
28.95%
Q1
22.27%
Min
2.66%

IBN’s Net Profit Margin of 27.24% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

ERIE

17.92%

Insurance Industry

Max
35.59%
Q3
21.31%
Median
14.99%
Q1
10.34%
Min
-2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

IBN

36.51%

Banks Industry

Max
63.35%
Q3
44.30%
Median
37.14%
Q1
28.21%
Min
12.28%

IBN’s Operating Profit Margin of 36.51% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolERIEIBN
Return on Equity (TTM)30.32%16.76%
Return on Assets (TTM)21.05%2.02%
Net Profit Margin (TTM)16.04%27.24%
Operating Profit Margin (TTM)17.92%36.51%
Gross Profit Margin (TTM)17.99%--

Financial Strength

Current Ratio (MRQ)

ERIE

1.67

Insurance Industry

Max
2.64
Q3
1.19
Median
0.53
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

IBN

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ERIE vs. IBN: A comparison of their Current Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

ERIE

0.00

Insurance Industry

Max
1.10
Q3
0.65
Median
0.35
Q1
0.23
Min
0.00

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

IBN

0.64

Banks Industry

Max
5.78
Q3
2.55
Median
0.94
Q1
0.39
Min
0.00

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

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

Interest Coverage Ratio (TTM)

ERIE

538.86

Insurance Industry

Max
49.59
Q3
22.05
Median
9.63
Q1
3.42
Min
-5.73

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

IBN

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

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

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

Financial Strength at a Glance

SymbolERIEIBN
Current Ratio (MRQ)1.67--
Quick Ratio (MRQ)1.59--
Debt-to-Equity Ratio (MRQ)0.000.64
Interest Coverage Ratio (TTM)538.86--

Growth

Revenue Growth

ERIE vs. IBN: 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

ERIE vs. IBN: 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)

ERIE

1.88%

Insurance Industry

Max
9.43%
Q3
5.10%
Median
3.57%
Q1
2.02%
Min
0.00%

ERIE’s Dividend Yield of 1.88% 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.

IBN

0.80%

Banks Industry

Max
9.92%
Q3
5.44%
Median
3.78%
Q1
2.38%
Min
0.00%

IBN’s Dividend Yield of 0.80% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

ERIE vs. IBN: A comparison of their Dividend Yield (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

ERIE

38.69%

Insurance Industry

Max
169.40%
Q3
85.57%
Median
50.55%
Q1
22.12%
Min
0.00%

ERIE’s Dividend Payout Ratio of 38.69% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

IBN

29.24%

Banks Industry

Max
135.42%
Q3
78.13%
Median
52.54%
Q1
35.48%
Min
0.00%

IBN’s Dividend Payout Ratio of 29.24% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

SymbolERIEIBN
Dividend Yield (TTM)1.88%0.80%
Dividend Payout Ratio (TTM)38.69%29.24%

Valuation

Price-to-Earnings Ratio (TTM)

ERIE

20.60

Insurance Industry

Max
27.66
Q3
17.29
Median
12.59
Q1
9.86
Min
3.13

A P/E Ratio of 20.60 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.

IBN

18.39

Banks Industry

Max
21.36
Q3
13.70
Median
10.55
Q1
8.08
Min
2.84

A P/E Ratio of 18.39 places IBN in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

ERIE

3.30

Insurance Industry

Max
3.39
Q3
1.95
Median
1.25
Q1
0.83
Min
0.22

ERIE’s P/S Ratio of 3.30 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

IBN

4.33

Banks Industry

Max
4.90
Q3
2.97
Median
2.24
Q1
1.58
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

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

Price-to-Book Ratio (MRQ)

ERIE

7.21

Insurance Industry

Max
4.36
Q3
2.47
Median
1.77
Q1
1.18
Min
0.17

At 7.21, 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.

IBN

2.87

Banks Industry

Max
2.14
Q3
1.43
Median
1.13
Q1
0.87
Min
0.25

At 2.87, IBN’s P/B Ratio is at an extreme premium to the Banks 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.

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

Valuation at a Glance

SymbolERIEIBN
Price-to-Earnings Ratio (TTM)20.6018.39
Price-to-Sales Ratio (TTM)3.304.33
Price-to-Book Ratio (MRQ)7.212.87
Price-to-Free Cash Flow Ratio (TTM)23.168.31