ERIE vs. L: Erie Indemnity vs. Loews Stock Comparison

November 11, 2026

How do Erie Indemnity (ERIE) and Loews (L) 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 Loews (L) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Company profile comparison for Erie Indemnity (ERIE) and Loews (L)
Profile Item	ERIE	L
Name	Erie Indemnity Company Class A Common Stock	Loews Corp.
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	Property & Casualty Insurance
Market Capitalization	14.28 billion USD	22.19 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	October 2, 1995	March 17, 1980
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

ERIE

GSPC

Erie Indemnity (ERIE) vs. Loews (L), 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 Loews (L). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Erie Indemnity (ERIE) and Loews (L)
Metric	ERIE	L
Total Return (1Y)	-3.52%	7.24%
Total Return (3Y, Annualized)	0.54%	19.27%
Total Return (5Y, Annualized)	5.47%	14.13%

Risk Profile

Drawdown History

ERIE

GSPC

Erie Indemnity (ERIE) vs. Loews (L), 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 Loews (L). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Erie Indemnity (ERIE) and Loews (L)
Metric	ERIE	L
Volatility (1Y, Annualized)	38.16%	16.13%
Beta (5Y)	0.22	0.49
Max Drawdown (5Y)	-60.87%	-26.11%
Avg. Volume (3M)	236.89K	805.54K

Risk-Adjusted Performance

Risk-Return Positioning

ERIE and L 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 Loews (L)
Metric	ERIE	L
Sharpe Ratio (1Y)	-0.20	0.18
Sortino Ratio (1Y)	-0.29	0.26

Profitability

ROE (TTM)

Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Loews (L) at 8.21% is in the bottom quartile, showing a clear gap in returns on equity.

ERIE

Insurance industry group

23.70%

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

L

Insurance industry group

8.21%

Max: 41.68%
Q3: 22.04%
Median: 14.81%
Q1: 8.79%
L: 8.21%
Min: -10.66%

Erie Indemnity (ERIE) vs. Loews (L): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Both Erie Indemnity (ERIE) at 13.98% and Loews (L) at 7.93% 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%

L

Insurance industry group

7.93%

Max: 29.92%
Q3: 17.03%
Median: 10.97%
L: 7.93%
Q1: 6.21%
Min: -4.68%

Erie Indemnity (ERIE) vs. Loews (L): 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 Loews (L) 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 Loews (L)
Metric	ERIE	L
ROE (TTM)	23.70%	8.21%
ROA (TTM)	13.48%	1.71%
Net Margin (TTM)	13.98%	7.93%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both Erie Indemnity (ERIE) at 7.41% and Loews (L) at 5.44% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Erie Indemnity (ERIE) vs. Loews (L): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Erie Indemnity (ERIE) at -6.88% and Loews (L) at 24.34% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Erie Indemnity (ERIE) vs. Loews (L): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Erie Indemnity (ERIE) and Loews (L)
Metric	ERIE	L
Revenue Growth (YoY)	7.41%	5.44%
Revenue Growth (3Y CAGR)	13.32%	8.96%
EPS Growth (YoY)	-6.88%	24.34%
EPS Growth (3Y CAGR)	23.25%	33.10%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Erie Indemnity (ERIE) in Insurance and Loews (L) 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 Loews (L) 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 Loews (L)
Metric	ERIE	L
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both Erie Indemnity (ERIE) at 2.05% and Loews (L) at 0.23% 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%

L

Insurance industry group

0.23%

Max: 5.12%
Q3: 2.15%
Median: 0.98%
L: 0.23%
Q1: 0.00%
Min: 0.00%

Erie Indemnity (ERIE) vs. Loews (L): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Loews (L) at 3.46% 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%

L

Insurance industry group

3.46%

Max: 76.67%
Q3: 35.18%
Median: 14.74%
L: 3.46%
Q1: 0.00%
Min: 0.00%

Erie Indemnity (ERIE) vs. Loews (L): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Erie Indemnity (ERIE) and Loews (L)
Metric	ERIE	L
Dividend Yield (TTM)	2.05%	0.23%
Dividend Payout Ratio (TTM)	53.13%	3.46%

Valuation

P/E Ratio (TTM)

Loews (L) at 15.17 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

L

Insurance industry group

15.17

Max: 28.37
Q3: 18.75
L: 15.17
Median: 12.23
Q1: 9.08
Min: 2.32

Erie Indemnity (ERIE) vs. Loews (L): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Loews (L) at 1.18 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

L

Insurance industry group

1.18

Max: 4.03
Q3: 2.25
Median: 1.23
L: 1.18
Q1: 0.85
Min: 0.07

Erie Indemnity (ERIE) vs. Loews (L): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Loews (L) at 1.22 sits in the lower P/B ratio quartile relative to book while Erie Indemnity (ERIE) at 5.59 prices above its industry range — a wide valuation gap against assets.

ERIE

Insurance industry group

5.59

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

L

Insurance industry group

1.22

Max: 5.07
Q3: 2.79
Median: 1.76
Q1: 1.23
L: 1.22
Min: 0.30

Erie Indemnity (ERIE) vs. Loews (L): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Erie Indemnity (ERIE) and Loews (L)
Metric	ERIE	L
P/E Ratio (TTM)	24.80	15.17
P/S Ratio (TTM)	3.46	1.18
P/B Ratio (MRQ)	5.59	1.22
Free Cash Flow Yield (TTM)	--	--