COMP <GO>
ERIE vs FNF // EV/EBITDA & P/E VALUATION
Erie Indemnity Company (NASDAQ) VS. Fidelity National Financial Inc. (NYSE) • 15-METRIC TALLY: ERIE 5
— FNF 7
▲ EV/EBITDA & P/E VALUATION LEADER: ERIE
LAST: $261.39 (+4.23%) • MKT CAP: $11.58B
valuation
13.3x
LAST: $40.51 (+0.57%) • MKT CAP: $10.80B
valuation
61.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ERIE VS. FNF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ERIE | FNF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 24.30% | 1.20% | +23.10 | ERIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 13.3x | 61.6x | -48.30 | ERIE | /valuation <GO> |
| Free Cash Flow Yield | 4.35% | 22.00% | -17.65 | FNF | /fcf-yield <GO> |
| Operating Margin | 17.60% | 35.00% | -17.40 | FNF | /operating-margins <GO> |
| Net Profit Margin | 13.80% | 28.70% | -14.90 | FNF | /net-margins <GO> |
| Revenue Growth (YoY) | 7.20% | 9.10% | -1.90 | FNF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.20% | 5.05% | -2.85 | FNF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | ERIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.4 | 47.3 | +9.10 | ERIE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.89 | 1.08 | -0.19 | FNF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 19.3x | 16.6x | +2.70 | FNF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $11.58B | $10.80B | $780.9M | ERIE | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ERIE REV | FNF REV | ERIE GROSS % | FNF GROSS % | ERIE FCF | FNF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $4.07B | $2.10B | — | — | $503.6M | $5.73B |
| FY 2024 | $3.80B | $1.92B | — | — | $440.5M | $6.73B |
| FY 2023 | $3.27B | $1.86B | — | — | $234.1M | $6.39B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ERIE // BETA 0.89
FNF // BETA 1.08