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ERIE vs. PUK: Erie Indemnity vs. Prudential Stock Comparison

How do Erie Indemnity (ERIE) and Prudential (PUK) 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 Prudential (PUK) both belong to the Insurance industry, though ERIE is classified under Property & Casualty Insurance while PUK falls under Life & Health Insurance.

Erie Indemnity (ERIE) trades as ordinary local shares, while Prudential (PUK) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Erie Indemnity (ERIE) and Prudential (PUK)
Profile ItemERIEPUK
NameErie Indemnity Company Class A Common StockPrudential plc ADR
Country/RegionUnited StatesHong Kong
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryProperty & Casualty InsuranceLife & Health Insurance
Market Capitalization14.28 billion USD30.28 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateOctober 2, 1995June 29, 2000
Security TypeCommon StockADR

Price Performance

Cumulative Growth

ERIE
PUK
GSPC
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Erie Indemnity (ERIE) vs. Prudential (PUK), 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 Prudential (PUK). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Erie Indemnity (ERIE) and Prudential (PUK)
MetricERIEPUK
Total Return (1Y)-3.52%-7.39%
Total Return (3Y, Annualized)0.54%8.09%
Total Return (5Y, Annualized)5.47%-6.78%

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Erie Indemnity (ERIE) and Prudential (PUK)
MetricERIEPUK
Volatility (1Y, Annualized)38.16%29.81%
Beta (5Y)0.220.64
Max Drawdown (5Y)-60.87%-62.24%
Avg. Volume (3M)236.89K1.21M

Risk-Adjusted Performance

Risk-Return Positioning

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ERIE and PUK 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 Prudential (PUK)
MetricERIEPUK
Sharpe Ratio (1Y)-0.20-0.39
Sortino Ratio (1Y)-0.29-0.54

Profitability

ROE (TTM)

Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Prudential (PUK) at 18.74% 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%

PUK

Insurance industry group

18.74%

Max
41.68%
Q3
22.04%
PUK
18.74%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Erie Indemnity (ERIE) vs. Prudential (PUK): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Prudential (PUK) at 25.49% retains a top-quartile share of revenue as profit, ahead of Erie Indemnity (ERIE) at 13.98%, which keeps about the industry-typical share.

ERIE

Insurance industry group

13.98%

Max
29.92%
Q3
17.03%
ERIE
13.98%
Median
10.97%
Q1
6.21%
Min
-4.68%

PUK

Insurance industry group

25.49%

Max
29.92%
PUK
25.49%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Erie Indemnity (ERIE) vs. Prudential (PUK): 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 Prudential (PUK) 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 Prudential (PUK)
MetricERIEPUK
ROE (TTM)23.70%18.74%
ROA (TTM)13.48%1.60%
Net Margin (TTM)13.98%25.49%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Prudential (PUK) at 68.98% clears its industry range for revenue growth, far stronger top-line momentum than Erie Indemnity (ERIE) at 7.41%, which is closer to a typical peer reading.

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

EPS Growth

Prudential (PUK) at 82.74% sits in the top EPS growth quartile, while Erie Indemnity (ERIE) at -6.88% is closer to the peer norm — faster per-share earnings growth for PUK.

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

Growth Metrics

Growth metrics for Erie Indemnity (ERIE) and Prudential (PUK)
MetricERIEPUK
Revenue Growth (YoY)7.41%68.98%
Revenue Growth (3Y CAGR)13.32%--
EPS Growth (YoY)-6.88%82.74%
EPS Growth (3Y CAGR)23.25%61.41%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

Both Erie Indemnity (ERIE) at 2.05% and Prudential (PUK) at 1.10% 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%

PUK

Insurance industry group

1.10%

Max
5.12%
Q3
2.15%
PUK
1.10%
Median
0.98%
Q1
0.00%
Min
0.00%
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Erie Indemnity (ERIE) vs. Prudential (PUK): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Prudential (PUK) at 18.71% 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%

PUK

Insurance industry group

18.71%

Max
76.67%
Q3
35.18%
PUK
18.71%
Median
14.74%
Q1
0.00%
Min
0.00%
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Erie Indemnity (ERIE) vs. Prudential (PUK): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Erie Indemnity (ERIE) and Prudential (PUK)
MetricERIEPUK
Dividend Yield (TTM)2.05%1.10%
Dividend Payout Ratio (TTM)53.13%18.71%

Valuation

P/E Ratio (TTM)

Prudential (PUK) at 8.72 sits in the cheaper P/E ratio quartile, while Erie Indemnity (ERIE) at 24.80 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

ERIE

Insurance industry group

24.80

Max
28.37
ERIE
24.80
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32

PUK

Insurance industry group

8.72

Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
PUK
8.72
Min
2.32
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Erie Indemnity (ERIE) vs. Prudential (PUK): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Prudential (PUK) at 2.12 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

PUK

Insurance industry group

2.12

Max
4.03
Q3
2.25
PUK
2.12
Median
1.23
Q1
0.85
Min
0.07
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Erie Indemnity (ERIE) vs. Prudential (PUK): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Measured against book value, both Erie Indemnity (ERIE) at 5.59 and Prudential (PUK) at 6.29 look expensive — each P/B ratio sits above its industry’s benchmark range.

ERIE

Insurance industry group

5.59

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

PUK

Insurance industry group

6.29

PUK
6.29
Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
Min
0.30
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Erie Indemnity (ERIE) vs. Prudential (PUK): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Erie Indemnity (ERIE) and Prudential (PUK)
MetricERIEPUK
P/E Ratio (TTM)24.808.72
P/S Ratio (TTM)3.462.12
P/B Ratio (MRQ)5.596.29
Free Cash Flow Yield (TTM)----