COMP <GO>
FNF vs ERIE // OPERATING MARGIN
Fidelity National Financial Inc. (NYSE) VS. Erie Indemnity Company (NASDAQ) • 15-METRIC TALLY: FNF 7
— ERIE 5
▲ OPERATING MARGIN LEADER: FNF
LAST: $42.18 (+4.12%) • MKT CAP: $10.86B
operating-margins
35.00%
LAST: $273.93 (+4.80%) • MKT CAP: $12.07B
operating-margins
17.60%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FNF VS. ERIE)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FNF | ERIE | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 1.20% | 24.30% | -23.10 | ERIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 61.6x | 13.3x | +48.30 | ERIE | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 4.35% | +17.65 | FNF | /fcf-yield <GO> |
| Operating Margin ACTIVE | 35.00% | 17.60% | +17.40 | FNF | /operating-margins <GO> |
| Net Profit Margin | 28.70% | 13.80% | +14.90 | FNF | /net-margins <GO> |
| Revenue Growth (YoY) | 9.10% | 7.20% | +1.90 | FNF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 5.05% | 2.20% | +2.85 | FNF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | ERIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.3 | 63.1 | -13.80 | ERIE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.08 | 0.89 | +0.19 | FNF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.6x | 19.3x | -2.70 | FNF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.86B | $12.07B | -$1.21B | ERIE | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FNF REV | ERIE REV | FNF GROSS % | ERIE GROSS % | FNF FCF | ERIE FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.10B | $4.07B | — | — | $5.73B | $503.6M |
| FY 2024 | $1.92B | $3.80B | — | — | $6.73B | $440.5M |
| FY 2023 | $1.86B | $3.27B | — | — | $6.39B | $234.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FNF // BETA 1.08
ERIE // BETA 0.89