ERIE vs. CINF
ERIE (Erie Indemnity Company) and CINF (Cincinnati Financial Corporation) are both stocks. Both are in the Financial Services sector — ERIE in Insurance Brokers, CINF in Insurance - Property & Casualty. Over the past 10 years, ERIE returned 10.07%/yr vs 11.49%/yr for CINF. At a 0.40 correlation, their price movements are largely independent.
Performance
ERIE vs. CINF - Performance Comparison
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Returns By Period
In the year-to-date period, ERIE achieves a -26.91% return, which is significantly lower than CINF's -2.68% return. Over the past 10 years, ERIE has underperformed CINF with an annualized return of 10.07%, while CINF has yielded a comparatively higher 11.49% annualized return.
ERIE
- 1D
- -0.14%
- 1M
- -1.62%
- YTD
- -26.91%
- 6M
- -29.26%
- 1Y
- -41.67%
- 3Y*
- -0.02%
- 5Y*
- 3.12%
- 10Y*
- 10.07%
CINF
- 1D
- 0.01%
- 1M
- -0.97%
- YTD
- -2.68%
- 6M
- -1.87%
- 1Y
- 6.69%
- 3Y*
- 19.23%
- 5Y*
- 7.56%
- 10Y*
- 11.49%
ERIE vs. CINF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ERIE Erie Indemnity Company | -26.91% | -29.40% | 24.67% | 37.35% | 32.03% | -19.98% | 52.39% | 27.08% | 12.54% | 11.23% |
CINF Cincinnati Financial Corporation | -2.68% | 16.27% | 42.48% | 4.00% | -7.89% | 33.28% | -14.15% | 38.87% | 6.25% | 2.34% |
Correlation
The correlation between ERIE and CINF is 0.51, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.51 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.46 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.46 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.44 |
Correlation (All Time) Calculated using the full available price history since Oct 3, 1995 | 0.40 |
The correlation between ERIE and CINF shifts across timeframes, from 0.40 (all time) to 0.51 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
ERIE:
$14.49
CINF:
$23.30
ERIE:
14.30
CINF:
6.78
ERIE:
0.74
CINF:
0.20
ERIE:
1.89
CINF:
1.45
ERIE:
$4.33B
CINF:
$12.92B
ERIE:
$784.17M
CINF:
$5.39B
ERIE:
$715.87M
CINF:
$3.27B
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Return for Risk
ERIE vs. CINF — Risk / Return Rank
ERIE
CINF
ERIE vs. CINF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Erie Indemnity Company (ERIE) and Cincinnati Financial Corporation (CINF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| ERIE | CINF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.74 | ||
| Sortino ratioReturn per unit of downside risk | -2.67 | ||
| Omega ratioGain probability vs. loss probability | 0.76 | 1.07 | -0.31 |
| Calmar ratioReturn relative to maximum drawdown | -0.97 | 0.64 | -1.61 |
| Martin ratioReturn relative to average drawdown | -1.80 | 1.66 | -3.47 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| ERIE | CINF | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -1.39 | 0.35 | -1.74 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.11 | 0.30 | -0.19 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.35 | 0.40 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.23 | 0.42 | -0.19 |
Drawdowns
ERIE vs. CINF - Drawdown Comparison
The maximum ERIE drawdown since its inception was -78.28%, which is greater than CINF's maximum drawdown of -59.64%. Use the drawdown chart below to compare losses from any high point for ERIE and CINF.
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Drawdown Indicators
| ERIE | CINF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -78.28% | -59.64% | -18.64% |
Max Drawdown (1Y)Largest decline over 1 year | -43.16% | -10.46% | -32.70% |
Max Drawdown (3Y)Largest decline over 3 years | -60.87% | -20.03% | -40.84% |
Max Drawdown (5Y)Largest decline over 5 years | -60.87% | -35.77% | -25.10% |
Max Drawdown (10Y)Largest decline over 10 years | -60.87% | -58.12% | -2.75% |
Current DrawdownCurrent decline from peak | -60.87% | -7.94% | -52.93% |
Average DrawdownAverage peak-to-trough decline | -33.55% | -12.20% | -21.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 23.13% | 4.05% | +19.08% |
Volatility
ERIE vs. CINF - Volatility Comparison
Erie Indemnity Company (ERIE) has a higher volatility of 8.99% compared to Cincinnati Financial Corporation (CINF) at 4.44%. This indicates that ERIE's price experiences larger fluctuations and is considered to be riskier than CINF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ERIE | CINF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.99% | 4.44% | +4.55% |
Volatility (6M)Calculated over the trailing 6-month period | 23.06% | 13.21% | +9.85% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.99% | 19.42% | +10.57% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.20% | 25.65% | +3.55% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 29.11% | 28.79% | +0.32% |
Dividends
ERIE vs. CINF - Dividend Comparison
ERIE's dividend yield for the trailing twelve months is around 2.73%, more than CINF's 2.25% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CINF Cincinnati Financial Corporation | 2.25% | 2.13% | 2.25% | 2.90% | 2.70% | 2.21% | 2.75% | 2.13% | 2.74% | 3.33% | 2.53% | 3.89% |
ERIE Erie Indemnity Company | 2.73% | 1.90% | 1.24% | 1.42% | 1.79% | 2.15% | 2.39% | 2.17% | 2.52% | 2.57% | 1.95% | 3.61% |
Financials
ERIE vs. CINF - Financials Comparison
This section allows you to compare key financial metrics between Erie Indemnity Company and Cincinnati Financial Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ERIE vs. CINF - Profitability Comparison
ERIE - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Erie Indemnity Company reported a gross profit of 0.00 and revenue of 1.01B. Therefore, the gross margin over that period was 0.0%.
CINF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Cincinnati Financial Corporation reported a gross profit of 0.00 and revenue of 2.86B. Therefore, the gross margin over that period was 0.0%.
ERIE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Erie Indemnity Company reported an operating income of 166.79M and revenue of 1.01B, resulting in an operating margin of 16.5%.
CINF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Cincinnati Financial Corporation reported an operating income of 0.00 and revenue of 2.86B, resulting in an operating margin of 0.0%.
ERIE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Erie Indemnity Company reported a net income of 150.47M and revenue of 1.01B, resulting in a net margin of 14.9%.
CINF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Cincinnati Financial Corporation reported a net income of 274.00M and revenue of 2.86B, resulting in a net margin of 9.6%.
Frequently Asked Questions
ERIE and CINF have a correlation of 0.51, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ERIE has higher volatility (8.99%) compared to CINF (4.44%). In terms of maximum drawdown, ERIE dropped -78.28% vs CINF's -59.64%.
CINF currently has the higher Sharpe Ratio (0.35 vs -1.39), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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