WallStSmart

Erie Indemnity Company (ERIE)vsMarsh & McLennan Companies, Inc. (MRSH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies, Inc. generates 573% more annual revenue ($27.52B vs $4.09B). MRSH leads profitability with a 14.3% profit margin vs 14.0%. MRSH appears more attractively valued with a PEG of 1.62. MRSH earns a higher WallStSmart Score of 58/100 (C).

ERIE

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 8.0Value: 4.3Quality: 6.3
Piotroski: 2/9Altman Z: 5.22

MRSH

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 7.5Value: 5.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ERIE2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
5.2210/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
25.9%9/10

Every $100 of equity generates 26 in profit

MRSH3 strengths · Avg: 8.7/10
Market CapQuality
$80.06B9/10

Large-cap with strong market position

Return on EquityProfitability
27.6%9/10

Every $100 of equity generates 28 in profit

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

Areas to Watch

ERIE3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
2.3%4/10

2.3% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
2.672/10

Expensive relative to growth rate

MRSH3 concerns · Avg: 2.7/10
PEG RatioValuation
1.624/10

Expensive relative to growth rate

EPS GrowthGrowth
-15.4%2/10

Earnings declined 15.4%

Free Cash FlowQuality
$-750.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : ERIE

The strongest argument for ERIE centers on Altman Z-Score, Return on Equity.

Bull Case : MRSH

The strongest argument for MRSH centers on Market Cap, Return on Equity, Operating Margin.

Bear Case : ERIE

The primary concerns for ERIE are Revenue Growth, Piotroski F-Score, PEG Ratio.

Bear Case : MRSH

The primary concerns for MRSH are PEG Ratio, EPS Growth, Free Cash Flow.

Key Dynamics to Monitor

MRSH carries more volatility with a beta of 0.64 — expect wider price swings.

MRSH is growing revenue faster at 7.6% — sustainability is the question.

ERIE generates stronger free cash flow (54M), providing more financial flexibility.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MRSH scores higher overall (58/100 vs 56/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Erie Indemnity Company

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Erie Indemnity Company is an administrative agent for underwriters on the Erie Insurance Exchange in the United States. The company is headquartered in Erie, Pennsylvania.

Marsh & McLennan Companies, Inc.

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh & McLennan Companies, Inc., a professional services company, provides advisory services and insurance solutions to clients in the areas of risk, strategy, and people globally. The company is headquartered in New York, New York.

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