ERIE INDEMNITY COMPANY-CL A (ERIE) Stock Fundamental Analysis
USA - NASDAQ:ERIE - US29530P1021 - Common Stock
291.675 USD
+4.4 (+1.53%)
Taking everything into account, ERIE scores 7 out of 10 in our fundamental rating. ERIE was compared to 147 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. While showing a medium growth rate, ERIE is valued expensive at the moment. With these ratings, ERIE could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
In the past year ERIE was profitable.
ERIE had a positive operating cash flow in the past year.
ERIE had positive earnings in each of the past 5 years.
ERIE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ERIE has a Return On Assets of 19.49%. This is amongst the best in the industry. ERIE outperforms 99.32% of its industry peers.
ERIE has a Return On Equity of 28.06%. This is amongst the best in the industry. ERIE outperforms 93.88% of its industry peers.
ERIE has a better Return On Invested Capital (23.73%) than 99.32% of its industry peers.
ERIE had an Average Return On Invested Capital over the past 3 years of 22.68%. This is significantly above the industry average of 4.44%.
The last Return On Invested Capital (23.73%) for ERIE is above the 3 year average (22.68%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.49% | ||
| ROE | 28.06% | ||
| ROIC | 23.73% |
ROA(3y)17.38%
ROA(5y)15.86%
ROE(3y)25.88%
ROE(5y)24.9%
ROIC(3y)22.68%
ROIC(5y)20.34%
1.3 Margins
ERIE has a better Profit Margin (16.04%) than 81.63% of its industry peers.
ERIE's Profit Margin has improved in the last couple of years.
The Operating Margin of ERIE (17.97%) is better than 73.47% of its industry peers.
In the last couple of years the Operating Margin of ERIE has grown nicely.
The Gross Margin of ERIE (17.99%) is better than 87.76% of its industry peers.
In the last couple of years the Gross Margin of ERIE has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.97% | ||
| PM (TTM) | 16.04% | ||
| GM | 17.99% |
OM growth 3Y13.84%
OM growth 5Y4.32%
PM growth 3Y11.81%
PM growth 5Y4.33%
GM growth 3Y13.86%
GM growth 5Y4.33%
2. Health
2.1 Basic Checks
ERIE has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, ERIE has about the same amount of shares outstanding.
Compared to 5 years ago, ERIE has about the same amount of shares outstanding.
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.
2.2 Solvency
An Altman-Z score of 12.49 indicates that ERIE is not in any danger for bankruptcy at the moment.
ERIE has a Altman-Z score of 12.49. This is amongst the best in the industry. ERIE outperforms 98.64% of its industry peers.
ERIE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 12.49 |
ROIC/WACC2.7
WACC8.78%
2.3 Liquidity
ERIE has a Current Ratio of 1.67. This is a normal value and indicates that ERIE is financially healthy and should not expect problems in meeting its short term obligations.
ERIE has a better Current ratio (1.67) than 89.80% of its industry peers.
ERIE has a Quick Ratio of 1.67. This is a normal value and indicates that ERIE is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.67, ERIE belongs to the top of the industry, outperforming 89.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.00% over the past year.
Measured over the past years, ERIE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.63% on average per year.
The Revenue has grown by 9.53% in the past year. This is quite good.
ERIE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.91% yearly.
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
Based on estimates for the next years, ERIE will show a small growth in Earnings Per Share. The EPS will grow by 6.51% on average per year.
Based on estimates for the next years, ERIE will show a quite strong growth in Revenue. The Revenue will grow by 8.44% on average per year.
EPS Next Y10.71%
EPS Next 2Y13.47%
EPS Next 3Y6.51%
EPS Next 5YN/A
Revenue Next Year8.76%
Revenue Next 2Y8.44%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 23.52, ERIE is valued on the expensive side.
Based on the Price/Earnings ratio, ERIE is valued a bit more expensive than 75.51% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.56, ERIE is valued at the same level.
Based on the Price/Forward Earnings ratio of 19.73, the valuation of ERIE can be described as rather expensive.
Based on the Price/Forward Earnings ratio, ERIE is valued a bit more expensive than 72.11% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ERIE to the average of the S&P500 Index (34.62), we can say ERIE is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.52 | ||
| Fwd PE | 19.73 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ERIE indicates a slightly more expensive valuation: ERIE is more expensive than 67.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of ERIE may justify a higher PE ratio.
PEG (NY)2.2
PEG (5Y)1.73
EPS Next 2Y13.47%
EPS Next 3Y6.51%
5. Dividend
5.1 Amount
ERIE has a Yearly Dividend Yield of 1.90%. Purely for dividend investing, there may be better candidates out there.
In the last 3 months the price of ERIE has falen by -21.59%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.51, ERIE has a dividend in line with its industry peers.
Compared to the average S&P500 Dividend Yield of 2.44, ERIE is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.9% |
5.2 History
On average, the dividend of ERIE grows each year by 7.25%, which is quite nice.
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)7.25%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
ERIE pays out 38.73% of its income as dividend. This is a sustainable payout ratio.
The dividend of ERIE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.73%
EPS Next 2Y13.47%
EPS Next 3Y6.51%
NASDAQ:ERIE (11/18/2025, 2:56:25 PM)
291.675
+4.4 (+1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.49%
Inst Owner Change1.65%
Ins Owners9.21%
Ins Owner Change0.02%
Market Cap15.25B
Revenue(TTM)4.04B
Net Income(TTM)648.00M
Analysts85.71
Price TargetN/A
Short Float %8%
Short Ratio14.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.9% |
Yearly Dividend4.58
Dividend Growth(5Y)7.25%
DP38.73%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)0.65%
EPS NQ rev (3m)0.65%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.4%
Revenue NQ rev (1m)-1.87%
Revenue NQ rev (3m)-1.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.52 | ||
| Fwd PE | 19.73 | ||
| P/S | 3.77 | ||
| P/FCF | 26.48 | ||
| P/OCF | 21.54 | ||
| P/B | 6.61 | ||
| P/tB | 6.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.4
EY4.25%
EPS(NY)14.78
Fwd EY5.07%
FCF(TTM)11.02
FCFY3.78%
OCF(TTM)13.54
OCFY4.64%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)2.2
PEG (5Y)1.73
Graham Number111
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 19.49% | ||
| ROE | 28.06% | ||
| ROCE | 29.93% | ||
| ROIC | 23.73% | ||
| ROICexc | 31.61% | ||
| ROICexgc | 31.61% | ||
| OM | 17.97% | ||
| PM (TTM) | 16.04% | ||
| GM | 17.99% | ||
| FCFM | 14.26% |
ROA(3y)17.38%
ROA(5y)15.86%
ROE(3y)25.88%
ROE(5y)24.9%
ROIC(3y)22.68%
ROIC(5y)20.34%
ROICexc(3y)26.05%
ROICexc(5y)23.36%
ROICexgc(3y)26.05%
ROICexgc(5y)23.36%
ROCE(3y)28.6%
ROCE(5y)25.65%
ROICexgc growth 3Y18.67%
ROICexgc growth 5Y2.5%
ROICexc growth 3Y18.67%
ROICexc growth 5Y2.5%
OM growth 3Y13.84%
OM growth 5Y4.32%
PM growth 3Y11.81%
PM growth 5Y4.33%
GM growth 3Y13.86%
GM growth 5Y4.33%
F-Score6
Asset Turnover1.22
Health
| Industry Rank | Sector 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 | 88.89% | ||
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 | ||
| Altman-Z | 12.49 |
F-Score6
WACC8.78%
ROIC/WACC2.7
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.83%
Cap/Sales(5y)3.27%
Profit Quality(3y)81.9%
Profit Quality(5y)85.77%
High Growth Momentum
Growth
EPS 1Y (TTM)16%
EPS 3Y26.36%
EPS 5Y13.63%
EPS Q2Q%14.38%
EPS Next Y10.71%
EPS Next 2Y13.47%
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 Year8.76%
Revenue Next 2Y8.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y14.18%
EBIT growth 3Y28.57%
EBIT growth 5Y13.61%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y111.38%
FCF growth 3Y24.15%
FCF growth 5Y13.11%
OCF growth 1Y96.18%
OCF growth 3Y14.9%
OCF growth 5Y10.88%
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.
What is the valuation status for ERIE stock?
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.
What are the PE and PB ratios of ERIE INDEMNITY COMPANY-CL A (ERIE) stock?
The Price/Earnings (PE) ratio for ERIE INDEMNITY COMPANY-CL A (ERIE) is 23.52 and the Price/Book (PB) ratio is 6.61.
What is the earnings growth outlook for ERIE INDEMNITY COMPANY-CL A?
The Earnings per Share (EPS) of ERIE INDEMNITY COMPANY-CL A (ERIE) is expected to grow by 10.71% in the next year.