280.97 USD
+1.07 (+0.38%)
Taking everything into account, ERIE scores 6 out of 10 in our fundamental rating. ERIE was compared to 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 quite expensive at the moment. It does show a decent growth rate. This makes ERIE very considerable for quality investing!
1. Profitability
1.1 Basic Checks
- ERIE had positive earnings in the past year.
- ERIE had a positive operating cash flow in the past year.
- In the past 5 years ERIE has always been profitable.
- Each year in the past 5 years ERIE had a positive operating cash flow.
1.2 Ratios
- ERIE's Return On Assets of 19.49% is amongst the best of the industry. ERIE outperforms 99.33% of its industry peers.
- ERIE has a better Return On Equity (28.06%) than 94.63% of its industry peers.
- The Return On Invested Capital of ERIE (23.76%) is better than 98.66% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ERIE is significantly above the industry average of 14.92%.
- The 3 year average ROIC (22.70%) for ERIE is below the current ROIC(23.76%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- ERIE's Profit Margin of 16.04% is amongst the best of the industry. ERIE outperforms 82.55% of its industry peers.
- ERIE's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 17.99%, ERIE is doing good in the industry, outperforming 67.11% of the companies in the same industry.
- ERIE's Operating Margin has improved in the last couple of years.
- Looking at the Gross Margin, with a value of 17.99%, ERIE belongs to the top 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 Rank | Sector 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%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so ERIE is creating value.
- ERIE has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, ERIE has more 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 12.26 indicates that ERIE is not in any danger for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 12.26, ERIE belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- 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 | 12.26 |
ROIC/WACC2.66
WACC8.94%
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 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.
- The Quick ratio of ERIE (1.67) is better than 89.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
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.
- ERIE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.53%.
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 22.66, which indicates a rather expensive current valuation of ERIE.
- Based on the Price/Earnings ratio, ERIE is valued a bit more expensive than the industry average as 71.81% of the companies are valued more cheaply.
- The average S&P500 Price/Earnings ratio is at 27.32. ERIE is around the same levels.
- With a Price/Forward Earnings ratio of 19.66, ERIE is valued on the expensive side.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ERIE indicates a slightly more expensive valuation: ERIE is more expensive than 71.81% of the companies listed in the same industry.
- ERIE's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.66 | ||
| Fwd PE | 19.66 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ERIE is valued a bit more expensive than the industry average as 68.46% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.5 | ||
| 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)1.91
PEG (5Y)1.66
EPS Next 2Y11.57%
EPS Next 3Y6.51%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.07%, ERIE has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.53, ERIE has a dividend in line with its industry peers.
- ERIE's Dividend Yield is comparable with the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
- On average, the dividend of ERIE grows each year by 7.09%, 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)7.09%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- ERIE pays out 38.69% 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.
DP38.69%
EPS Next 2Y11.57%
EPS Next 3Y6.51%
NASDAQ:ERIE (1/22/2026, 10:13:47 AM)
280.97
+1.07 (+0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners41.58%
Inst Owner Change0.06%
Ins Owners9.2%
Ins Owner Change-0.05%
Market Cap14.69B
Revenue(TTM)4.04B
Net Income(TTM)647.96M
Analysts85.71
Price TargetN/A
Short Float %8.84%
Short Ratio14.44
Dividend
| Industry Rank | Sector 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 2026-01-06 (1.4625)
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%
EPS NQ rev (3m)0.65%
EPS NY rev (1m)0%
EPS NY rev (3m)1.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.66 | ||
| Fwd PE | 19.66 | ||
| P/S | 3.64 | ||
| P/FCF | 25.5 | ||
| P/OCF | 20.75 | ||
| P/B | 6.36 | ||
| P/tB | 6.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.4
EY4.41%
EPS(NY)14.29
Fwd EY5.09%
FCF(TTM)11.02
FCFY3.92%
OCF(TTM)13.54
OCFY4.82%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)1.91
PEG (5Y)1.66
Graham Number110.99
Profitability
| Industry Rank | Sector 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 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 | 88.92% | ||
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 | ||
| Altman-Z | 12.26 |
F-Score6
WACC8.94%
ROIC/WACC2.66
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 6 / 10 to ERIE.
Can you provide the valuation status for ERIE INDEMNITY COMPANY-CL A?
ChartMill assigns a valuation rating of 1 / 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 22.66 and the Price/Book (PB) ratio is 6.36.
Can you provide the financial health for ERIE stock?
The financial health rating of ERIE INDEMNITY COMPANY-CL A (ERIE) is 8 / 10.