283.21 USD
+0.14 (+0.05%)
283.21 USD
0 (0%)
Taking everything into account, ERIE scores 6 out of 10 in our fundamental rating. ERIE was compared to 146 industry peers in the Insurance industry. ERIE gets an excellent profitability rating and is at the same time showing great financial health properties. 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
- In the past year ERIE was profitable.
- In the past year ERIE had a positive cash flow from operations.
- Each year in the past 5 years ERIE has been profitable.
- In the past 5 years ERIE always reported a positive cash flow from operatings.
1.2 Ratios
- With an excellent Return On Assets value of 19.49%, ERIE belongs to the best of the industry, outperforming 99.32% of the companies in the same industry.
- ERIE has a better Return On Equity (28.06%) than 94.52% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 23.76%, ERIE belongs to the top of the industry, outperforming 98.63% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for ERIE is significantly above the industry average of 15.11%.
- 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
- Looking at the Profit Margin, with a value of 16.04%, ERIE belongs to the top of the industry, outperforming 82.19% of the companies in the same industry.
- ERIE's Profit Margin has improved in the last couple of years.
- ERIE has a better Operating Margin (17.99%) than 68.49% 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 87.67% of the companies in the same industry.
- ERIE's Gross Margin has improved in the last couple of years.
| 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.
- The number of shares outstanding for ERIE remains at a similar level compared to 1 year ago.
- The number of shares outstanding for ERIE has been increased compared to 5 years ago.
- 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
- ERIE has an Altman-Z score of 12.36. This indicates that ERIE is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 12.36, ERIE belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 12.36 |
ROIC/WACC2.68
WACC8.88%
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's Current ratio of 1.67 is amongst the best of the industry. ERIE outperforms 89.04% 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 89.04% 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.
- ERIE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.63% yearly.
- 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
- 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 22.84, which indicates a rather expensive current valuation of ERIE.
- Compared to the rest of the industry, the Price/Earnings ratio of ERIE indicates a slightly more expensive valuation: ERIE is more expensive than 71.92% of the companies listed in the same industry.
- ERIE is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- ERIE is valuated rather expensively with a Price/Forward Earnings ratio of 19.82.
- Based on the Price/Forward Earnings ratio, ERIE is valued a bit more expensive than 71.92% of the companies in the same industry.
- ERIE is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.84 | ||
| Fwd PE | 19.82 |
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 69.86% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.7 | ||
| 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)1.93
PEG (5Y)1.68
EPS Next 2Y11.57%
EPS Next 3Y6.51%
5. Dividend
5.1 Amount
- ERIE has a Yearly Dividend Yield of 2.05%.
- Compared to an average industry Dividend Yield of 2.42, ERIE has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.89, ERIE has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
5.2 History
- On average, the dividend of ERIE grows each year by 7.09%, which is quite nice.
- ERIE has been paying a dividend for at least 10 years, so it has 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
- 38.69% of the earnings are spent on dividend by ERIE. This is a low number and 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%
283.21
+0.14 (+0.05%)
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 Change0.05%
Ins Owners9.2%
Ins Owner Change-0.05%
Market Cap14.81B
Revenue(TTM)4.04B
Net Income(TTM)647.96M
Analysts85.71
Price TargetN/A
Short Float %8.71%
Short Ratio13.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
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 | 22.84 | ||
| Fwd PE | 19.82 | ||
| P/S | 3.67 | ||
| P/FCF | 25.7 | ||
| P/OCF | 20.91 | ||
| P/B | 6.41 | ||
| P/tB | 6.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.4
EY4.38%
EPS(NY)14.29
Fwd EY5.05%
FCF(TTM)11.02
FCFY3.89%
OCF(TTM)13.54
OCFY4.78%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)1.93
PEG (5Y)1.68
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 | 12.36 |
F-Score6
WACC8.88%
ROIC/WACC2.68
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 22.84 and the Price/Book (PB) ratio is 6.41.
Can you provide the financial health for ERIE stock?
The financial health rating of ERIE INDEMNITY COMPANY-CL A (ERIE) is 8 / 10.