ERIE vs. PFG: Erie Indemnity vs. Principal Financial Stock Comparison
How do Erie Indemnity (ERIE) and Principal Financial (PFG) 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 Principal Financial (PFG) both belong to the Insurance industry, though ERIE is classified under Property & Casualty Insurance while PFG falls under Life & Health Insurance.
| Profile Item | ERIE | PFG |
|---|---|---|
| Name | Erie Indemnity Company Class A Common Stock | Principal Financial 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 | Life & Health Insurance |
| Market Capitalization | 14.28 billion USD | 23.55 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | October 2, 1995 | October 23, 2001 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ERIE | PFG |
|---|---|---|
| Total Return (1Y) | -3.52% | 43.88% |
| Total Return (3Y, Annualized) | 0.54% | 22.99% |
| Total Return (5Y, Annualized) | 5.47% | 15.02% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ERIE | PFG |
|---|---|---|
| Volatility (1Y, Annualized) | 38.16% | 23.45% |
| Beta (5Y) | 0.22 | 0.86 |
| Max Drawdown (5Y) | -60.87% | -29.32% |
| Avg. Volume (3M) | 236.89K | 1.26M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ERIE | PFG |
|---|---|---|
| Sharpe Ratio (1Y) | -0.20 | 1.69 |
| Sortino Ratio (1Y) | -0.29 | 2.67 |
Profitability
ROE (TTM)
Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Principal Financial (PFG) at 16.11% is closer to the peer norm — stronger capital efficiency for ERIE.
ERIE
Insurance industry group
23.70%
- Max
- 41.68%
- ERIE
- 23.70%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
PFG
Insurance industry group
16.11%
- Max
- 41.68%
- Q3
- 22.04%
- PFG
- 16.11%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Erie Indemnity (ERIE) at 13.98% and Principal Financial (PFG) at 11.89% 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%
PFG
Insurance industry group
11.89%
- Max
- 29.92%
- Q3
- 17.03%
- PFG
- 11.89%
- 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 Principal Financial (PFG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ERIE | PFG |
|---|---|---|
| ROE (TTM) | 23.70% | 16.11% |
| ROA (TTM) | 13.48% | 0.46% |
| Net Margin (TTM) | 13.98% | 11.89% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Erie Indemnity (ERIE) at 7.41% is around its peer norm for revenue growth, while Principal Financial (PFG) at -3.11% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Erie Indemnity (ERIE) at -6.88% is around its peer norm for EPS growth, while Principal Financial (PFG) at -21.41% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | ERIE | PFG |
|---|---|---|
| Revenue Growth (YoY) | 7.41% | -3.11% |
| Revenue Growth (3Y CAGR) | 13.32% | -3.77% |
| EPS Growth (YoY) | -6.88% | -21.41% |
| EPS Growth (3Y CAGR) | 23.25% | -34.44% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Erie Indemnity (ERIE) in Insurance and Principal Financial (PFG) 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 Principal Financial (PFG) 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 | PFG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Principal Financial (PFG) at 2.88% delivers top-quartile income for its industry, while Erie Indemnity (ERIE) at 2.05% pays a more typical yield — both are credible income propositions, PFG the richer one.
ERIE
Insurance industry group
2.05%
- Max
- 5.12%
- Q3
- 2.15%
- ERIE
- 2.05%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
PFG
Insurance industry group
2.88%
- Max
- 5.12%
- PFG
- 2.88%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Erie Indemnity (ERIE) at 53.13% and Principal Financial (PFG) at 36.19% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
ERIE
Insurance industry group
53.13%
- Max
- 76.67%
- ERIE
- 53.13%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
PFG
Insurance industry group
36.19%
- Max
- 76.67%
- PFG
- 36.19%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ERIE | PFG |
|---|---|---|
| Dividend Yield (TTM) | 2.05% | 2.88% |
| Dividend Payout Ratio (TTM) | 53.13% | 36.19% |
Valuation
P/E Ratio (TTM)
Principal Financial (PFG) at 12.35 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
PFG
Insurance industry group
12.35
- Max
- 28.37
- Q3
- 18.75
- PFG
- 12.35
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Principal Financial (PFG) at 1.42 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
PFG
Insurance industry group
1.42
- Max
- 4.03
- Q3
- 2.25
- PFG
- 1.42
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Principal Financial (PFG) at 2.00 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
PFG
Insurance industry group
2.00
- Max
- 5.07
- Q3
- 2.79
- PFG
- 2.00
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ERIE | PFG |
|---|---|---|
| P/E Ratio (TTM) | 24.80 | 12.35 |
| P/S Ratio (TTM) | 3.46 | 1.42 |
| P/B Ratio (MRQ) | 5.59 | 2.00 |
| Free Cash Flow Yield (TTM) | -- | -- |