ERIE vs. WTW: Erie Indemnity vs. Willis Towers Watson Stock Comparison
How do Erie Indemnity (ERIE) and Willis Towers Watson (WTW) 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 Willis Towers Watson (WTW) both belong to the Insurance industry, though ERIE is classified under Property & Casualty Insurance while WTW falls under Insurance Brokers.
| Profile Item | ERIE | WTW |
|---|---|---|
| Name | Erie Indemnity Company Class A Common Stock | Willis Towers Watson Public Limited Company |
| Country/Region | United States | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Insurance Brokers |
| Market Capitalization | 14.28 billion USD | 30.33 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | October 2, 1995 | June 12, 2001 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ERIE | WTW |
|---|---|---|
| Total Return (1Y) | -3.52% | 2.59% |
| Total Return (3Y, Annualized) | 0.54% | 12.90% |
| Total Return (5Y, Annualized) | 5.47% | 8.63% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ERIE | WTW |
|---|---|---|
| Volatility (1Y, Annualized) | 38.16% | 31.09% |
| Beta (5Y) | 0.22 | 0.42 |
| Max Drawdown (5Y) | -60.87% | -30.39% |
| Avg. Volume (3M) | 236.89K | 537.05K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ERIE | WTW |
|---|---|---|
| Sharpe Ratio (1Y) | -0.20 | -0.05 |
| Sortino Ratio (1Y) | -0.29 | -0.07 |
Profitability
ROE (TTM)
Erie Indemnity (ERIE) at 23.70% sits in the top ROE quartile, while Willis Towers Watson (WTW) at 20.18% 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%
WTW
Insurance industry group
20.18%
- Max
- 41.68%
- Q3
- 22.04%
- WTW
- 20.18%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Both Erie Indemnity (ERIE) at 13.98% and Willis Towers Watson (WTW) at 15.22% 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%
WTW
Insurance industry group
15.22%
- Max
- 29.92%
- Q3
- 17.03%
- WTW
- 15.22%
- 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 Willis Towers Watson (WTW) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ERIE | WTW |
|---|---|---|
| ROE (TTM) | 23.70% | 20.18% |
| ROA (TTM) | 13.48% | 5.35% |
| Net Margin (TTM) | 13.98% | 15.22% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Erie Indemnity (ERIE) at 7.41% is around its peer norm for revenue growth, while Willis Towers Watson (WTW) at -2.24% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Only one side can be read here: Erie Indemnity (ERIE) reports EPS growth of -6.88%, ranked against its industry; Willis Towers Watson (WTW) has no EPS growth figure this period.
Growth Metrics
| Metric | ERIE | WTW |
|---|---|---|
| Revenue Growth (YoY) | 7.41% | -2.24% |
| Revenue Growth (3Y CAGR) | 13.32% | 3.07% |
| EPS Growth (YoY) | -6.88% | -- |
| EPS Growth (3Y CAGR) | 23.25% | 21.88% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Erie Indemnity (ERIE) in Insurance and Willis Towers Watson (WTW) 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 Willis Towers Watson (WTW) 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 | WTW |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Erie Indemnity (ERIE) at 2.05% and Willis Towers Watson (WTW) at 0.29% 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%
WTW
Insurance industry group
0.29%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- WTW
- 0.29%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Willis Towers Watson (WTW) at 23.34% 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%
WTW
Insurance industry group
23.34%
- Max
- 76.67%
- Q3
- 35.18%
- WTW
- 23.34%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ERIE | WTW |
|---|---|---|
| Dividend Yield (TTM) | 2.05% | 0.29% |
| Dividend Payout Ratio (TTM) | 53.13% | 23.34% |
Valuation
P/E Ratio (TTM)
Both Erie Indemnity (ERIE) at 24.80 and Willis Towers Watson (WTW) at 20.20 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.
ERIE
Insurance industry group
24.80
- Max
- 28.37
- ERIE
- 24.80
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
WTW
Insurance industry group
20.20
- Max
- 28.37
- WTW
- 20.20
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Both Erie Indemnity (ERIE) at 3.46 and Willis Towers Watson (WTW) at 2.95 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.
ERIE
Insurance industry group
3.46
- Max
- 4.03
- ERIE
- 3.46
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
WTW
Insurance industry group
2.95
- Max
- 4.03
- WTW
- 2.95
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Both look rich against book: Willis Towers Watson (WTW) at 3.91 sits in the upper P/B ratio quartile, and Erie Indemnity (ERIE) at 5.59 prices even higher, above its industry 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
WTW
Insurance industry group
3.91
- Max
- 5.07
- WTW
- 3.91
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ERIE | WTW |
|---|---|---|
| P/E Ratio (TTM) | 24.80 | 20.20 |
| P/S Ratio (TTM) | 3.46 | 2.95 |
| P/B Ratio (MRQ) | 5.59 | 3.91 |
| Free Cash Flow Yield (TTM) | -- | -- |