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

Updated on August 20, 2025

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

Company Profile

Symbol	ERIE	KEY
Company Name	Erie Indemnity Company	KeyCorp
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Banks
Market Capitalization	19.29 billion USD	19.98 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	October 2, 1995	November 5, 1987
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of ERIE and KEY 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. KEY: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	ERIE	KEY
5-Day Price Return	4.64%	4.65%
13-Week Price Return	3.21%	10.69%
26-Week Price Return	-10.64%	1.50%
52-Week Price Return	-18.29%	14.30%
Month-to-Date Return	3.57%	1.67%
Year-to-Date Return	-10.50%	6.30%
10-Day Avg. Volume	0.16M	31.01M
3-Month Avg. Volume	0.15M	19.24M
3-Month Volatility	23.94%	25.45%
Beta	0.33	1.17

Profitability

Return on Equity (TTM)

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.

KEY

0.96%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

KEY’s Return on Equity of 0.96% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

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

Net Profit Margin (TTM)

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.

KEY

19.18%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, KEY’s Net Profit Margin of 19.18% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

Operating Profit Margin (TTM)

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.

KEY

23.33%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

KEY’s Operating Profit Margin of 23.33% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

Symbol	ERIE	KEY
Return on Equity (TTM)	30.53%	0.96%
Return on Assets (TTM)	21.10%	0.09%
Net Profit Margin (TTM)	15.73%	19.18%
Operating Profit Margin (TTM)	17.49%	23.33%
Gross Profit Margin (TTM)	17.57%	--

Financial Strength

Current Ratio (MRQ)

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.

KEY

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. KEY: 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: 1.25
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.

KEY

0.76

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
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. KEY: 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: 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.

KEY

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

Financial Strength at a Glance

Symbol	ERIE	KEY
Current Ratio (MRQ)	1.47	--
Quick Ratio (MRQ)	1.39	--
Debt-to-Equity Ratio (MRQ)	0.00	0.76
Interest Coverage Ratio (TTM)	538.86	--

Growth

Revenue Growth

ERIE vs. KEY: 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. KEY: 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

1.45%

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.

KEY

5.02%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

KEY’s Dividend Yield of 5.02% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

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.

KEY

63.61%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

KEY’s Dividend Payout Ratio of 63.61% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	ERIE	KEY
Dividend Yield (TTM)	1.45%	5.02%
Dividend Payout Ratio (TTM)	39.35%	63.61%

Valuation

Price-to-Earnings Ratio (TTM)

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.

KEY

112.64

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

At 112.64, KEY’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Banks industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

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

Price-to-Sales Ratio (TTM)

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.

KEY

1.67

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

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

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

Price-to-Book Ratio (MRQ)

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.

KEY

0.98

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

KEY’s P/B Ratio of 0.98 is within the conventional range for the Banks 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 vs. KEY: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Valuation at a Glance

Symbol	ERIE	KEY
Price-to-Earnings Ratio (TTM)	27.14	112.64
Price-to-Sales Ratio (TTM)	4.27	1.67
Price-to-Book Ratio (MRQ)	8.30	0.98
Price-to-Free Cash Flow Ratio (TTM)	30.07	6.80