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

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

Company Profile

SymbolERIEPYPL
Company NameErie Indemnity CompanyPayPal Holdings, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceFinancial Services
Market Capitalization19.29 billion USD67.48 billion USD
ExchangeNasdaqGSNasdaqGS
Listing DateOctober 2, 1995July 6, 2015
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolERIEPYPL
5-Day Price Return4.64%3.53%
13-Week Price Return3.21%-2.32%
26-Week Price Return-10.64%-10.11%
52-Week Price Return-18.29%11.30%
Month-to-Date Return3.57%2.72%
Year-to-Date Return-10.50%-17.25%
10-Day Avg. Volume0.16M11.83M
3-Month Avg. Volume0.15M10.91M
3-Month Volatility23.94%33.26%
Beta0.331.45

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.

PYPL

23.09%

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

In the upper quartile for the Financial Services industry, PYPL’s Return on Equity of 23.09% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

ERIE vs. PYPL: A comparison of their Return on Equity (TTM) against their respective Insurance and Financial Services 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.

PYPL

14.49%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

PYPL’s Net Profit Margin of 14.49% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

ERIE vs. PYPL: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Financial Services 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.

PYPL

18.17%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

PYPL’s Operating Profit Margin of 18.17% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolERIEPYPL
Return on Equity (TTM)30.53%23.09%
Return on Assets (TTM)21.10%5.74%
Net Profit Margin (TTM)15.73%14.49%
Operating Profit Margin (TTM)17.49%18.17%
Gross Profit Margin (TTM)17.57%41.68%

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.

PYPL

1.33

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ERIE vs. PYPL: A comparison of their Current Ratio (MRQ) against their respective Insurance and Financial Services 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.

PYPL

0.56

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

ERIE vs. PYPL: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Financial Services 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.

PYPL

1,066.80

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

ERIE vs. PYPL: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Financial Services industry benchmarks.

Financial Strength at a Glance

SymbolERIEPYPL
Current Ratio (MRQ)1.471.33
Quick Ratio (MRQ)1.391.28
Debt-to-Equity Ratio (MRQ)0.000.56
Interest Coverage Ratio (TTM)538.861,066.80

Growth

Revenue Growth

ERIE vs. PYPL: 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. PYPL: 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.

PYPL

0.00%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
Min
0.00%

PYPL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

ERIE vs. PYPL: A comparison of their Dividend Yield (TTM) against their respective Insurance and Financial Services 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.

PYPL

0.00%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
Min
0.00%

PYPL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

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

Dividend at a Glance

SymbolERIEPYPL
Dividend Yield (TTM)1.45%0.00%
Dividend Payout Ratio (TTM)39.35%0.00%

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.

PYPL

14.35

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

PYPL’s P/E Ratio of 14.35 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

ERIE vs. PYPL: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Financial Services 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.

PYPL

2.08

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

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

ERIE vs. PYPL: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Financial Services 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.

PYPL

3.58

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

PYPL’s P/B Ratio of 3.58 is within the conventional range for the Financial Services 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. PYPL: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Financial Services industry benchmarks.

Valuation at a Glance

SymbolERIEPYPL
Price-to-Earnings Ratio (TTM)27.1414.35
Price-to-Sales Ratio (TTM)4.272.08
Price-to-Book Ratio (MRQ)8.303.58
Price-to-Free Cash Flow Ratio (TTM)30.0712.69