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ERIE vs FNF

ERIE
Erie Indemnity Company
NEUTRAL
Price
$253.38
Market Cap
$13.25B
Sector
Financial Services
AI Confidence
80%
FNF
Fidelity National Financial, Inc.
NEUTRAL
Price
$52.33
Market Cap
$14.19B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ERIE
23.25
FNF
23.68
Forward P/E
ERIE
18.09
FNF
8.11
P/B Ratio
ERIE
5.8
FNF
1.91
P/S Ratio
ERIE
3.26
FNF
0.98
EV/EBITDA
ERIE
16.02
FNF
7.82

Profitability

Gross Margin
ERIE
17.63%
FNF
53.51%
Operating Margin
ERIE
17.16%
FNF
13.06%
Profit Margin
ERIE
13.75%
FNF
4.15%
ROE
ERIE
26.19%
FNF
7.76%
ROA
ERIE
14.8%
FNF
1.1%

Growth

Revenue Growth
ERIE
2.9%
FNF
12.3%
Earnings Growth
ERIE
-58.4%
FNF
--

Financial Health

Debt/Equity
ERIE
0.03
FNF
0.53
Current Ratio
ERIE
1.27
FNF
0.99
Quick Ratio
ERIE
1.16
FNF
0.19

Dividends

Dividend Yield
ERIE
2.35%
FNF
3.97%
Payout Ratio
ERIE
51.99%
FNF
91.4%

AI Verdict

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)
FNF NEUTRAL

FNF presents a conflicted profile with a stable Piotroski F-Score of 4/9 but significant valuation gaps, trading at $52.33 against a Graham Number of $36.91 and an Intrinsic Value of $15.47. While revenue growth remains strong at 12.3% and the forward P/E of 8.11 is attractive, the company suffers from poor liquidity (Quick Ratio 0.19) and an unsustainable dividend payout ratio of 91.4%. The disconnect between bullish analyst targets ($64.60) and bearish deterministic metrics suggests a high-risk premium. Overall, the stock is fundamentally overvalued relative to its defensive baseline despite positive top-line growth.

Strengths
Strong YoY revenue growth of 12.30%
Attractive Forward P/E ratio of 8.11
Low PEG ratio (0.85) suggesting growth is undervalued
Risks
Extremely high dividend payout ratio (91.40%) threatening sustainability
Severe liquidity risk indicated by a Quick Ratio of 0.19
Significant premium to Graham Number ($36.91) and Intrinsic Value ($15.47)

Compare Another Pair

ERIE vs FNF: Head-to-Head Comparison

This page compares Erie Indemnity Company (ERIE) and Fidelity National Financial, Inc. (FNF) 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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