ERIE INDEMNITY COMPANY-CL A (ERIE) Stock Fundamental Analysis

NASDAQ:ERIE • US29530P1021

283.85 USD
+4.74 (+1.7%)
At close: Feb 17, 2026
283.85 USD
0 (0%)
After Hours: 2/17/2026, 8:11:58 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

ERIE gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. Both the health and profitability get an excellent rating, making ERIE a very profitable company, without any liquidiy or solvency issues. ERIE is valied quite expensively at the moment, while it does show a decent growth rate. This makes ERIE very considerable for quality investing!


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

  • ERIE had positive earnings in the past year.
  • In the past year ERIE had a positive cash flow from operations.
  • ERIE had positive earnings in each of the past 5 years.
  • Each year in the past 5 years ERIE had a positive operating cash flow.
ERIE Yearly Net Income VS EBIT VS OCF VS FCFERIE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

  • ERIE has a better Return On Assets (19.49%) than 99.33% of its industry peers.
  • The Return On Equity of ERIE (28.06%) is better than 94.63% of its industry peers.
  • ERIE's Return On Invested Capital of 23.76% is amongst the best of the industry. ERIE outperforms 98.66% of its industry peers.
  • ERIE had an Average Return On Invested Capital over the past 3 years of 22.70%. This is significantly above the industry average of 15.11%.
  • The last Return On Invested Capital (23.76%) for ERIE is above the 3 year average (22.70%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 19.49%
ROE 28.06%
ROIC 23.76%
ROA(3y)17.39%
ROA(5y)15.86%
ROE(3y)25.89%
ROE(5y)24.91%
ROIC(3y)22.7%
ROIC(5y)20.35%
ERIE Yearly ROA, ROE, ROICERIE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • ERIE has a Profit Margin of 16.04%. This is amongst the best in the industry. ERIE outperforms 81.88% of its industry peers.
  • In the last couple of years the Profit Margin of ERIE has grown nicely.
  • ERIE has a Operating Margin of 17.99%. This is in the better half of the industry: ERIE outperforms 67.79% of its industry peers.
  • In the last couple of years the Operating Margin of ERIE has grown nicely.
  • With an excellent Gross Margin value of 17.99%, ERIE belongs to the best of the industry, outperforming 86.58% of the companies in the same industry.
  • In the last couple of years the Gross Margin of ERIE has grown nicely.
Industry RankSector Rank
OM 17.99%
PM (TTM) 16.04%
GM 17.99%
OM growth 3Y13.86%
OM growth 5Y4.33%
PM growth 3Y11.83%
PM growth 5Y4.34%
GM growth 3Y13.86%
GM growth 5Y4.33%
ERIE Yearly Profit, Operating, Gross MarginsERIE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), ERIE is creating value.
  • The number of shares outstanding for ERIE remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, ERIE has more shares outstanding
  • ERIE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ERIE Yearly Shares OutstandingERIE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
ERIE Yearly Total Debt VS Total AssetsERIE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • An Altman-Z score of 12.24 indicates that ERIE is not in any danger for bankruptcy at the moment.
  • ERIE has a Altman-Z score of 12.24. This is amongst the best in the industry. ERIE outperforms 100.00% of its industry peers.
  • There is no outstanding debt for ERIE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 12.24
ROIC/WACC2.74
WACC8.68%
ERIE Yearly LT Debt VS Equity VS FCFERIE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 1.67 indicates that ERIE should not have too much problems paying its short term obligations.
  • ERIE has a Current ratio of 1.67. This is amongst the best in the industry. ERIE outperforms 89.26% of its industry peers.
  • A Quick Ratio of 1.67 indicates that ERIE should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.67, ERIE belongs to the top of the industry, outperforming 89.26% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.67
Quick Ratio 1.67
ERIE Yearly Current Assets VS Current LiabilitesERIE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • ERIE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.00%, which is quite good.
  • The Earnings Per Share has been growing by 13.63% on average over the past years. This is quite good.
  • Looking at the last year, ERIE shows a quite strong growth in Revenue. The Revenue has grown by 9.53% in the last year.
  • Measured over the past years, ERIE shows a quite strong growth in Revenue. The Revenue has been growing by 8.91% on average per year.
EPS 1Y (TTM)16%
EPS 3Y26.36%
EPS 5Y13.63%
EPS Q2Q%14.38%
Revenue 1Y (TTM)9.53%
Revenue growth 3Y12.95%
Revenue growth 5Y8.91%
Sales Q2Q%6.69%

3.2 Future

  • ERIE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.51% yearly.
  • Based on estimates for the next years, ERIE will show a small growth in Revenue. The Revenue will grow by 6.77% on average per year.
EPS Next Y11.86%
EPS Next 2Y11.57%
EPS Next 3Y6.51%
EPS Next 5YN/A
Revenue Next Year7.8%
Revenue Next 2Y6.77%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ERIE Yearly Revenue VS EstimatesERIE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1B 2B 3B 4B
ERIE Yearly EPS VS EstimatesERIE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 22.89, ERIE is valued on the expensive side.
  • Based on the Price/Earnings ratio, ERIE is valued a bit more expensive than 72.48% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of ERIE to the average of the S&P500 Index (27.16), we can say ERIE is valued inline with the index average.
  • The Price/Forward Earnings ratio is 19.86, which indicates a rather expensive current valuation of ERIE.
  • Based on the Price/Forward Earnings ratio, ERIE is valued a bit more expensive than the industry average as 70.47% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 28.10. ERIE is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 22.89
Fwd PE 19.86
ERIE Price Earnings VS Forward Price EarningsERIE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • ERIE's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ERIE is more expensive than 67.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 25.76
EV/EBITDA N/A
ERIE Per share dataERIE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ERIE does not grow enough to justify the current Price/Earnings ratio.
  • The excellent profitability rating of ERIE may justify a higher PE ratio.
PEG (NY)1.93
PEG (5Y)1.68
EPS Next 2Y11.57%
EPS Next 3Y6.51%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • ERIE has a Yearly Dividend Yield of 2.07%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.68, ERIE has a dividend in line with its industry peers.
  • ERIE's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.07%

5.2 History

  • The dividend of ERIE is nicely growing with an annual growth rate of 7.09%!
  • ERIE has paid a dividend for at least 10 years, which is a reliable track record.
  • ERIE has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.09%
Div Incr Years3
Div Non Decr Years3
ERIE Yearly Dividends per shareERIE Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

5.3 Sustainability

  • ERIE pays out 38.69% of its income as dividend. This is a sustainable payout ratio.
  • ERIE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.69%
EPS Next 2Y11.57%
EPS Next 3Y6.51%
ERIE Yearly Income VS Free CF VS DividendERIE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
ERIE Dividend Payout.ERIE Dividend Payout, showing the Payout Ratio.ERIE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ERIE INDEMNITY COMPANY-CL A

NASDAQ:ERIE (2/17/2026, 8:11:58 PM)

After market: 283.85 0 (0%)

283.85

+4.74 (+1.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30
Earnings (Next)02-23
Inst Owners41.58%
Inst Owner Change0.48%
Ins Owners9.2%
Ins Owner Change-0.04%
Market Cap14.84B
Revenue(TTM)4.04B
Net Income(TTM)647.96M
Analysts85.71
Price TargetN/A
Short Float %8.52%
Short Ratio11.83
Dividend
Industry RankSector Rank
Dividend Yield 2.07%
Yearly Dividend4.54
Dividend Growth(5Y)7.09%
DP38.69%
Div Incr Years3
Div Non Decr Years3
Ex-Date01-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.97%
Min EPS beat(2)-5.77%
Max EPS beat(2)1.82%
EPS beat(4)2
Avg EPS beat(4)-4.16%
Min EPS beat(4)-16.06%
Max EPS beat(4)3.37%
EPS beat(8)5
Avg EPS beat(8)0.8%
EPS beat(12)8
Avg EPS beat(12)3.73%
EPS beat(16)8
Avg EPS beat(16)0.64%
Revenue beat(2)0
Avg Revenue beat(2)-4.99%
Min Revenue beat(2)-6.43%
Max Revenue beat(2)-3.55%
Revenue beat(4)0
Avg Revenue beat(4)-3.43%
Min Revenue beat(4)-6.43%
Max Revenue beat(4)-1.65%
Revenue beat(8)3
Avg Revenue beat(8)-0.39%
Revenue beat(12)7
Avg Revenue beat(12)0.59%
Revenue beat(16)10
Avg Revenue beat(16)0.54%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-48.87%
EPS NQ rev (3m)-48.87%
EPS NY rev (1m)0%
EPS NY rev (3m)1.04%
Revenue NQ rev (1m)5.42%
Revenue NQ rev (3m)5.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.88%
Valuation
Industry RankSector Rank
PE 22.89
Fwd PE 19.86
P/S 3.67
P/FCF 25.76
P/OCF 20.96
P/B 6.43
P/tB 6.43
EV/EBITDA N/A
EPS(TTM)12.4
EY4.37%
EPS(NY)14.29
Fwd EY5.03%
FCF(TTM)11.02
FCFY3.88%
OCF(TTM)13.54
OCFY4.77%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)1.93
PEG (5Y)1.68
Graham Number110.99
Profitability
Industry RankSector Rank
ROA 19.49%
ROE 28.06%
ROCE 29.95%
ROIC 23.76%
ROICexc 31.64%
ROICexgc 31.64%
OM 17.99%
PM (TTM) 16.04%
GM 17.99%
FCFM 14.26%
ROA(3y)17.39%
ROA(5y)15.86%
ROE(3y)25.89%
ROE(5y)24.91%
ROIC(3y)22.7%
ROIC(5y)20.35%
ROICexc(3y)26.07%
ROICexc(5y)23.37%
ROICexgc(3y)26.07%
ROICexgc(5y)23.37%
ROCE(3y)28.61%
ROCE(5y)25.66%
ROICexgc growth 3Y18.69%
ROICexgc growth 5Y2.5%
ROICexc growth 3Y18.69%
ROICexc growth 5Y2.5%
OM growth 3Y13.86%
OM growth 5Y4.33%
PM growth 3Y11.83%
PM growth 5Y4.34%
GM growth 3Y13.86%
GM growth 5Y4.33%
F-Score6
Asset Turnover1.22
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.27%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 88.92%
Current Ratio 1.67
Quick Ratio 1.67
Altman-Z 12.24
F-Score6
WACC8.68%
ROIC/WACC2.74
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.83%
Cap/Sales(5y)3.27%
Profit Quality(3y)81.95%
Profit Quality(5y)85.8%
High Growth Momentum
Growth
EPS 1Y (TTM)16%
EPS 3Y26.36%
EPS 5Y13.63%
EPS Q2Q%14.38%
EPS Next Y11.86%
EPS Next 2Y11.57%
EPS Next 3Y6.51%
EPS Next 5YN/A
Revenue 1Y (TTM)9.53%
Revenue growth 3Y12.95%
Revenue growth 5Y8.91%
Sales Q2Q%6.69%
Revenue Next Year7.8%
Revenue Next 2Y6.77%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y14.32%
EBIT growth 3Y28.6%
EBIT growth 5Y13.62%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y111.44%
FCF growth 3Y24.18%
FCF growth 5Y13.13%
OCF growth 1Y96.2%
OCF growth 3Y14.91%
OCF growth 5Y10.89%

ERIE INDEMNITY COMPANY-CL A / ERIE FAQ

What is the ChartMill fundamental rating of ERIE INDEMNITY COMPANY-CL A (ERIE) stock?

ChartMill assigns a fundamental rating of 7 / 10 to ERIE.


Can you provide the valuation status for ERIE INDEMNITY COMPANY-CL A?

ChartMill assigns a valuation rating of 2 / 10 to ERIE INDEMNITY COMPANY-CL A (ERIE). This can be considered as Overvalued.


What is the profitability of ERIE stock?

ERIE INDEMNITY COMPANY-CL A (ERIE) has a profitability rating of 9 / 10.


Can you provide the PE and PB ratios for ERIE stock?

The Price/Earnings (PE) ratio for ERIE INDEMNITY COMPANY-CL A (ERIE) is 22.89 and the Price/Book (PB) ratio is 6.43.


Can you provide the financial health for ERIE stock?

The financial health rating of ERIE INDEMNITY COMPANY-CL A (ERIE) is 8 / 10.