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CNA vs ERIE

CNA
CNA Financial Corporation
NEUTRAL
Price
$48.18
Market Cap
$13.04B
Sector
Financial Services
AI Confidence
85%
ERIE
Erie Indemnity Company
NEUTRAL
Price
$253.38
Market Cap
$13.25B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CNA
10.27
ERIE
23.25
Forward P/E
CNA
10.04
ERIE
18.09
P/B Ratio
CNA
1.12
ERIE
5.8
P/S Ratio
CNA
0.87
ERIE
3.26
EV/EBITDA
CNA
7.39
ERIE
16.02

Profitability

Gross Margin
CNA
32.0%
ERIE
17.63%
Operating Margin
CNA
10.81%
ERIE
17.16%
Profit Margin
CNA
8.53%
ERIE
13.75%
ROE
CNA
11.55%
ERIE
26.19%
ROA
CNA
1.61%
ERIE
14.8%

Growth

Revenue Growth
CNA
3.8%
ERIE
2.9%
Earnings Growth
CNA
1333.5%
ERIE
-58.4%

Financial Health

Debt/Equity
CNA
0.27
ERIE
0.03
Current Ratio
CNA
0.37
ERIE
1.27
Quick Ratio
CNA
0.18
ERIE
1.16

Dividends

Dividend Yield
CNA
3.99%
ERIE
2.35%
Payout Ratio
CNA
39.23%
ERIE
51.99%

AI Verdict

CNA NEUTRAL

CNA presents a classic deep-value profile with a Piotroski F-Score of 4/9 (Stable) and a current price ($48.18) trading significantly below both its Graham Number ($67.31) and Intrinsic Value ($138.36). While valuation metrics like the P/E (10.27) and PEG (0.92) are highly attractive, the stock is hampered by bearish insider sentiment and a negative technical trend. The massive YoY earnings growth is likely a statistical anomaly, as recent Q/Q and YoY EPS growth are actually negative. The company's stability is bolstered by its 92% ownership by Loews Corporation, but the lack of analyst conviction and insider selling suggest a lack of immediate catalysts.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Low P/E ratio (10.27) compared to the broader financial services sector
Conservative Debt/Equity ratio (0.27) indicating strong solvency
Risks
Bearish insider activity with consistent selling and zero buying
Negative recent earnings momentum (Q/Q EPS growth of -22.7%)
Potential for insurance reserve insufficiency leading to earnings charges
ERIE NEUTRAL

ERIE shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Low debt with D/E ratio of 0.03
Strong ROE of 26.2%
Risks
Premium vs Graham Number ($103.49)

Compare Another Pair

CNA vs ERIE: Head-to-Head Comparison

This page compares CNA Financial Corporation (CNA) and Erie Indemnity Company (ERIE) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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