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ERIE vs RGA

ERIE
Erie Indemnity Company
NEUTRAL
Price
$253.38
Market Cap
$13.25B
Sector
Financial Services
AI Confidence
80%
RGA
Reinsurance Group of America, Incorporated
BULLISH
Price
$208.68
Market Cap
$13.68B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ERIE
23.25
RGA
11.79
Forward P/E
ERIE
18.09
RGA
7.23
P/B Ratio
ERIE
5.8
RGA
1.01
P/S Ratio
ERIE
3.26
RGA
0.58
EV/EBITDA
ERIE
16.02
RGA
7.74

Profitability

Gross Margin
ERIE
17.63%
RGA
13.67%
Operating Margin
ERIE
17.16%
RGA
9.16%
Profit Margin
ERIE
13.75%
RGA
4.99%
ROE
ERIE
26.19%
RGA
9.72%
ROA
ERIE
14.8%
RGA
0.87%

Growth

Revenue Growth
ERIE
2.9%
RGA
26.6%
Earnings Growth
ERIE
-58.4%
RGA
216.6%

Financial Health

Debt/Equity
ERIE
0.03
RGA
0.43
Current Ratio
ERIE
1.27
RGA
1.26
Quick Ratio
ERIE
1.16
RGA
0.64

Dividends

Dividend Yield
ERIE
2.35%
RGA
1.78%
Payout Ratio
ERIE
51.99%
RGA
20.58%

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)
RGA BULLISH

RGA presents a compelling deep-value opportunity, characterized by a Piotroski F-Score of 4/9 (Stable) and a current price ($208.68) that trades significantly below both its Graham Number ($286.17) and estimated Intrinsic Value ($522.15). The company is exhibiting explosive growth, with YoY earnings growth of 216.60% and a very attractive forward P/E of 7.23. While technical trends are currently bearish (0/100) and insider sentiment is neutral, the fundamental valuation gap and strong revenue growth provide a significant margin of safety. The primary risk remains the inherent volatility of the reinsurance industry regarding mortality and morbidity assumptions.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Explosive earnings growth (216.60% YoY) and strong revenue growth (26.60%)
Low valuation multiples (Forward P/E of 7.23, P/B of 1.01)
Risks
High sensitivity to mortality, morbidity, and lapsation assumptions
Bearish technical trend (0/100) suggesting lack of immediate market momentum
Volatile quarterly earnings track record with significant surprise swings

Compare Another Pair

ERIE vs RGA: Head-to-Head Comparison

This page compares Erie Indemnity Company (ERIE) and Reinsurance Group of America, Incorporated (RGA) 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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