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Erie Indemnity Company (ERIE) vs Ethos Technologies Inc. (LIFE)

Erie Indemnity Company and Ethos Technologies Inc. are both Insurance Brokers companies. Erie Indemnity Company is the larger, with a market value of $12.2B against $2.8B — 4.3× the size. Ethos Technologies Inc. has negative trailing earnings, so its P/E is not meaningful; Erie Indemnity Company trades at 22.1×. Erie Indemnity Company has the higher net margin (14.0% vs −18.8%) and the higher return on invested capital (21.0% vs −2.79%). Across the 15 metrics below, Erie Indemnity Company leads on 10 and Ethos Technologies Inc. on 5.

Valuation

Metric ERIE LIFE Insurance Brokers median
P/E 22.14 n/m 25.10
P/S 3.08 4.61 2.98
P/B 4.97 5.63 3.18
Price to free cash flow 22.89 23.64 22.89
EV/EBITDA — n/m —
EV/Sales — 3.90 —
Earnings yield 4.52% (1.57%) 2.74%
Free cash flow yield 4.37% 4.23% 3.19%

Profitability

Metric ERIE LIFE Insurance Brokers median
Gross margin 17.85% 100.00% 49.44%
Operating margin 17.85% (2.80%) 15.48%
Net margin 13.97% (18.82%) 8.78%
Free cash flow margin 13.44% 19.49% 5.26%
Return on equity 23.70% 0.00% 3.24%
Return on assets 16.49% (31.45%) 2.51%
Return on invested capital 21.00% (2.79%) 5.83%

Growth

Metric ERIE LIFE Insurance Brokers median
Revenue growth (TTM) 2.04% — 9.77%
EPS growth (last fiscal year) (6.88%) 43.90% (8.67%)
Revenue growth, 5-year CAGR 9.90% — 9.30%
Net income growth, 5-year CAGR 13.78% — 0.00%

Health

Metric ERIE LIFE Insurance Brokers median
Debt to equity 0.00 0.00 0.49
Current ratio 1.73 3.25 1.60
Net debt to EBITDA (0.44) (1.17) 1.20

Dividend

Metric ERIE LIFE Insurance Brokers median
Dividend yield 2.13% — 1.17%
Payout ratio 0.53 — 0.33

Size

Metric ERIE LIFE Insurance Brokers median
Market cap 12.17b 2.82b 2.82b

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