ERIE vs. UNM: Erie Indemnity vs. Unum Stock Comparison
How do Erie Indemnity (ERIE) and Unum (UNM) 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 Unum (UNM) both belong to the Insurance industry, though ERIE is classified under Property & Casualty Insurance while UNM falls under Life & Health Insurance.
| Profile Item | ERIE | UNM |
|---|---|---|
| Name | Erie Indemnity Company Class A Common Stock | Unum Group |
| 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 | 11.89 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | October 2, 1995 | November 6, 1986 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ERIE | UNM |
|---|---|---|
| Total Return (1Y) | -3.52% | 4.52% |
| Total Return (3Y, Annualized) | 0.54% | 25.65% |
| Total Return (5Y, Annualized) | 5.47% | 29.12% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ERIE | UNM |
|---|---|---|
| Volatility (1Y, Annualized) | 38.16% | 29.31% |
| Beta (5Y) | 0.22 | 0.28 |
| Max Drawdown (5Y) | -60.87% | -23.00% |
| Avg. Volume (3M) | 236.89K | 1.86M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ERIE | UNM |
|---|---|---|
| Sharpe Ratio (1Y) | -0.20 | 0.01 |
| Sortino Ratio (1Y) | -0.29 | 0.01 |
Profitability
ROE (TTM)
Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Unum (UNM) at 2.25% is in the bottom quartile, showing a clear gap in returns on equity.
ERIE
Insurance industry group
23.70%
- Max
- 41.68%
- ERIE
- 23.70%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
UNM
Insurance industry group
2.25%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- UNM
- 2.25%
- Min
- -10.66%
Net Margin (TTM)
Erie Indemnity (ERIE) at 13.98% keeps about the industry-typical share of revenue as profit, while Unum (UNM) at 1.94% retains only a bottom-quartile 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%
UNM
Insurance industry group
1.94%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- UNM
- 1.94%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Erie Indemnity (ERIE) in Insurance and Unum (UNM) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ERIE | UNM |
|---|---|---|
| ROE (TTM) | 23.70% | 2.25% |
| ROA (TTM) | 13.48% | 0.51% |
| Net Margin (TTM) | 13.98% | 1.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Erie Indemnity (ERIE) at 7.41% is around its peer norm for revenue growth, while Unum (UNM) at 1.52% 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 Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | ERIE | UNM |
|---|---|---|
| Revenue Growth (YoY) | 7.41% | 1.52% |
| Revenue Growth (3Y CAGR) | 13.32% | 3.02% |
| EPS Growth (YoY) | -6.88% | -54.86% |
| EPS Growth (3Y CAGR) | 23.25% | -13.07% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Erie Indemnity (ERIE) in Insurance and Unum (UNM) 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 Unum (UNM) 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 | UNM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Unum (UNM) at 2.61% delivers top-quartile income for its industry, while Erie Indemnity (ERIE) at 2.05% pays a more typical yield — both are credible income propositions, UNM 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%
UNM
Insurance industry group
2.61%
- Max
- 5.12%
- UNM
- 2.61%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Erie Indemnity (ERIE) reports 53.13%, ranking against industry peers normally.
ERIE
Insurance industry group
53.13%
- Max
- 76.67%
- ERIE
- 53.13%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
UNM
Insurance industry group
128.23%
- UNM
- 128.23%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ERIE | UNM |
|---|---|---|
| Dividend Yield (TTM) | 2.05% | 2.61% |
| Dividend Payout Ratio (TTM) | 53.13% | 128.23% |
Valuation
P/E Ratio (TTM)
Both look expensive on trailing earnings: Erie Indemnity (ERIE) at 24.80 sits in the richer P/E ratio quartile, and Unum (UNM) at 52.21 is richer still, above its industry range.
ERIE
Insurance industry group
24.80
- Max
- 28.37
- ERIE
- 24.80
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
UNM
Insurance industry group
52.21
- UNM
- 52.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Unum (UNM) at 0.95 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
UNM
Insurance industry group
0.95
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- UNM
- 0.95
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Unum (UNM) at 1.11 sits in the lower P/B ratio quartile relative to book while Erie Indemnity (ERIE) at 5.59 prices above its industry range — a wide valuation gap against assets.
ERIE
Insurance industry group
5.59
- ERIE
- 5.59
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
UNM
Insurance industry group
1.11
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- UNM
- 1.11
- Min
- 0.30
Valuation Metrics
| Metric | ERIE | UNM |
|---|---|---|
| P/E Ratio (TTM) | 24.80 | 52.21 |
| P/S Ratio (TTM) | 3.46 | 0.95 |
| P/B Ratio (MRQ) | 5.59 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |