ERIE vs. L: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ERIE and L, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | ERIE | L |
|---|---|---|
| Company Name | Erie Indemnity Company | Loews Corporation |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Insurance |
| Market Capitalization | 19.29 billion USD | 19.79 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | October 2, 1995 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of ERIE and L 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.
Historical Performance at a Glance
| Symbol | ERIE | L |
|---|---|---|
| 5-Day Price Return | 4.64% | 2.34% |
| 13-Week Price Return | 3.21% | 6.88% |
| 26-Week Price Return | -10.64% | 9.91% |
| 52-Week Price Return | -18.29% | 24.02% |
| Month-to-Date Return | 3.57% | 5.38% |
| Year-to-Date Return | -10.50% | 12.66% |
| 10-Day Avg. Volume | 0.16M | 0.73M |
| 3-Month Avg. Volume | 0.15M | 0.79M |
| 3-Month Volatility | 23.94% | 15.14% |
| Beta | 0.33 | 0.74 |
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.
L
7.81%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
L’s Return on Equity of 7.81% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.
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.
L
7.45%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
L’s Net Profit Margin of 7.45% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.
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.
L
12.10%
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.
Profitability at a Glance
| Symbol | ERIE | L |
|---|---|---|
| Return on Equity (TTM) | 30.53% | 7.81% |
| Return on Assets (TTM) | 21.10% | 1.62% |
| Net Profit Margin (TTM) | 15.73% | 7.45% |
| Operating Profit Margin (TTM) | 17.49% | 12.10% |
| 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.
L
287.78
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.
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.
L
0.51
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.
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.
L
6.18
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.
Financial Strength at a Glance
| Symbol | ERIE | L |
|---|---|---|
| Current Ratio (MRQ) | 1.47 | 287.78 |
| Quick Ratio (MRQ) | 1.39 | 287.78 |
| Debt-to-Equity Ratio (MRQ) | 0.00 | 0.51 |
| Interest Coverage Ratio (TTM) | 538.86 | 6.18 |
Growth
Revenue Growth
EPS Growth
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.
L
0.27%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
L’s Dividend Yield of 0.27% 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.
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.
L
3.93%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
L’s Dividend Payout Ratio of 3.93% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | ERIE | L |
|---|---|---|
| Dividend Yield (TTM) | 1.45% | 0.27% |
| Dividend Payout Ratio (TTM) | 39.35% | 3.93% |
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.
L
14.53
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
L’s P/E Ratio of 14.53 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
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.
L
1.08
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
L’s P/S Ratio of 1.08 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
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.
L
1.10
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
L’s P/B Ratio of 1.10 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | ERIE | L |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 27.14 | 14.53 |
| Price-to-Sales Ratio (TTM) | 4.27 | 1.08 |
| Price-to-Book Ratio (MRQ) | 8.30 | 1.10 |
| Price-to-Free Cash Flow Ratio (TTM) | 30.07 | 6.38 |