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

NASDAQ:ERIE • US29530P1021

273.04 USD
-1.59 (-0.58%)
At close: Feb 20, 2026
273.04 USD
0 (0%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to ERIE. 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. While showing a medium growth rate, ERIE is valued expensive at the moment. 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.
  • ERIE had a positive operating cash flow in each of the past 5 years.
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 Return On Assets of 19.49%. This is amongst the best in the industry. ERIE outperforms 99.33% of its industry peers.
  • Looking at the Return On Equity, with a value of 28.06%, ERIE belongs to the top of the industry, outperforming 94.63% of the companies in the same industry.
  • ERIE has a Return On Invested Capital of 23.76%. This is amongst the best in the industry. ERIE outperforms 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 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

  • The Profit Margin of ERIE (16.04%) is better than 81.88% of its industry peers.
  • ERIE's Profit Margin has improved in the last couple of years.
  • ERIE has a better Operating Margin (17.99%) than 67.79% of its industry peers.
  • ERIE's Operating Margin has improved in the last couple of years.
  • 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.
  • ERIE's Gross Margin has improved in the last couple of years.
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.
  • Compared to 1 year ago, ERIE has about the same amount of shares outstanding.
  • ERIE has more shares outstanding than it did 5 years ago.
  • 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

  • ERIE has an Altman-Z score of 12.10. This indicates that ERIE is financially healthy and has little risk of bankruptcy at the moment.
  • ERIE has a Altman-Z score of 12.10. This is amongst the best in the industry. ERIE outperforms 100.00% 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 12.1
ROIC/WACC2.72
WACC8.72%
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.
  • The Quick ratio of ERIE (1.67) is better than 89.26% of its industry peers.
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

  • 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.
  • Looking at the last year, ERIE shows a quite strong growth in Revenue. The Revenue has grown by 9.53% in the last year.
  • The Revenue has been growing by 8.91% on average over the past years. This is quite good.
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.
  • ERIE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.77% yearly.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • ERIE is valuated rather expensively with a Price/Earnings ratio of 22.02.
  • Based on the Price/Earnings ratio, ERIE is valued a bit more expensive than 73.15% of the companies in the same industry.
  • ERIE is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 19.11, 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 the industry average as 71.81% of the companies are valued more cheaply.
  • ERIE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.02
Fwd PE 19.11
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

  • Based on the Price/Free Cash Flow ratio, ERIE is valued a bit more expensive than 67.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 24.78
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 an expensive valuation of the company.
  • ERIE has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)1.86
PEG (5Y)1.62
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

  • With a Yearly Dividend Yield of 2.13%, ERIE has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.65, ERIE has a dividend in line with its industry peers.
  • ERIE's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.13%

5.2 History

  • The dividend of ERIE is nicely growing with an annual growth rate of 7.09%!
  • 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
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 (2/20/2026, 8:00:01 PM)

After market: 273.04 0 (0%)

273.04

-1.59 (-0.58%)

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 Cap14.28B
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 2.13%
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 22.02
Fwd PE 19.11
P/S 3.53
P/FCF 24.78
P/OCF 20.16
P/B 6.18
P/tB 6.18
EV/EBITDA N/A
EPS(TTM)12.4
EY4.54%
EPS(NY)14.29
Fwd EY5.23%
FCF(TTM)11.02
FCFY4.04%
OCF(TTM)13.54
OCFY4.96%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)1.86
PEG (5Y)1.62
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 12.1
F-Score6
WACC8.72%
ROIC/WACC2.72
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 22.02 and the Price/Book (PB) ratio is 6.18.


Can you provide the financial health for ERIE stock?

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