ERIE vs. RYAN: Erie Indemnity vs. Ryan Specialty Stock Comparison

Company Profile

Erie Indemnity (ERIE) and Ryan Specialty (RYAN) both belong to the Insurance industry, though ERIE is classified under Property & Casualty Insurance while RYAN falls under Insurance Brokers.

Erie Indemnity (ERIE) has more than two decades of public-market history since October 2, 1995, whereas Ryan Specialty (RYAN) listed on July 22, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Erie Indemnity (ERIE) at 23.70% and Ryan Specialty (RYAN) at 25.15% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

Erie Indemnity (ERIE) at 13.98% keeps about the industry-typical share of revenue as profit, while Ryan Specialty (RYAN) at 3.27% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Erie Indemnity (ERIE) in Insurance and Ryan Specialty (RYAN) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Erie Indemnity (ERIE) at 7.41% and Ryan Specialty (RYAN) at 21.28% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Erie Indemnity (ERIE) at -6.88% is around its peer norm for EPS growth, while Ryan Specialty (RYAN) at -33.80% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Erie Indemnity (ERIE) in Insurance and Ryan Specialty (RYAN) 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-to-equity ratio is set aside for both: Erie Indemnity (ERIE) in Insurance and Ryan Specialty (RYAN) 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

Dividends

Both Erie Indemnity (ERIE) at 2.05% and Ryan Specialty (RYAN) at 1.06% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Both Erie Indemnity (ERIE) at 53.13% and Ryan Specialty (RYAN) at 63.75% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Both look expensive on trailing earnings: Erie Indemnity (ERIE) at 24.80 sits in the richer P/E ratio quartile, and Ryan Specialty (RYAN) at 59.66 is richer still, above its industry range.

Both Erie Indemnity (ERIE) at 3.46 and Ryan Specialty (RYAN) at 3.78 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

Measured against book value, both Erie Indemnity (ERIE) at 5.59 and Ryan Specialty (RYAN) at 12.86 look expensive — each P/B ratio sits above its industry’s benchmark range.

Valuation Metrics