ERIE INDEMNITY COMPANY-CL A (ERIE) Fundamental Analysis & Valuation

NASDAQ:ERIE • US29530P1021

Current stock price

240.87 USD
-2.39 (-0.98%)
At close:
240.87 USD
0 (0%)
After Hours:

This ERIE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

9

1. ERIE Profitability Analysis

1.1 Basic Checks

  • In the past year ERIE was profitable.
  • 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 2025 200M 400M 600M

1.2 Ratios

  • ERIE's Return On Assets of 16.67% is amongst the best of the industry. ERIE outperforms 98.64% of its industry peers.
  • The Return On Equity of ERIE (24.50%) is better than 89.80% of its industry peers.
  • ERIE's Return On Invested Capital of 23.51% is amongst the best of the industry. ERIE outperforms 97.96% of its industry peers.
  • ERIE had an Average Return On Invested Capital over the past 3 years of 24.14%. This is significantly above the industry average of 9.36%.
Industry RankSector Rank
ROA 16.67%
ROE 24.5%
ROIC 23.51%
ROA(3y)18.5%
ROA(5y)16.42%
ROE(3y)27.18%
ROE(5y)24.87%
ROIC(3y)24.14%
ROIC(5y)21.38%
ERIE Yearly ROA, ROE, ROICERIE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • With a decent Profit Margin value of 13.75%, ERIE is doing good in the industry, outperforming 74.15% of the companies in the same industry.
  • ERIE's Profit Margin has improved in the last couple of years.
  • ERIE's Operating Margin of 17.63% is fine compared to the rest of the industry. ERIE outperforms 69.39% of its industry peers.
  • ERIE's Operating Margin has improved in the last couple of years.
  • With an excellent Gross Margin value of 17.63%, ERIE belongs to the best of the industry, outperforming 86.39% of the companies in the same industry.
  • ERIE's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 17.63%
PM (TTM) 13.75%
GM 17.63%
OM growth 3Y10.01%
OM growth 5Y5.75%
PM growth 3Y9.36%
PM growth 5Y3.53%
GM growth 3Y10.01%
GM growth 5Y5.75%
ERIE Yearly Profit, Operating, Gross MarginsERIE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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8

2. ERIE Health Analysis

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.
  • 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 2025 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 2025 1B 2B 3B

2.2 Solvency

  • An Altman-Z score of 10.50 indicates that ERIE is not in any danger for bankruptcy at the moment.
  • ERIE has a Altman-Z score of 10.50. This is amongst the best in the industry. ERIE outperforms 98.64% 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 10.5
ROIC/WACC2.59
WACC9.08%
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 2025 500M 1B 1.5B 2B

2.3 Liquidity

  • A Current Ratio of 1.27 indicates that ERIE should not have too much problems paying its short term obligations.
  • ERIE has a better Current ratio (1.27) than 85.71% of its industry peers.
  • A Quick Ratio of 1.27 indicates that ERIE should not have too much problems paying its short term obligations.
  • ERIE's Quick ratio of 1.27 is amongst the best of the industry. ERIE outperforms 85.71% of its industry peers.
Industry RankSector Rank
Current Ratio 1.27
Quick Ratio 1.27
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 2025 200M 400M 600M 800M 1B

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

4

3. ERIE Growth Analysis

3.1 Past

  • The earnings per share for ERIE have decreased by -6.79% in the last year.
  • ERIE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.78% yearly.
  • Looking at the last year, ERIE shows a small growth in Revenue. The Revenue has grown by 7.17% in the last year.
  • The Revenue has been growing by 9.90% on average over the past years. This is quite good.
EPS 1Y (TTM)-6.79%
EPS 3Y23.36%
EPS 5Y13.78%
EPS Q2Q%-58.42%
Revenue 1Y (TTM)7.17%
Revenue growth 3Y12.72%
Revenue growth 5Y9.9%
Sales Q2Q%2.91%

3.2 Future

  • Based on estimates for the next years, ERIE will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.86% on average per year.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y28.79%
EPS Next 2Y13.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.1%
Revenue Next 2YN/A
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 stable.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
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 2 4 6 8 10

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3

4. ERIE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 22.51 indicates a rather expensive valuation of ERIE.
  • 79.59% of the companies in the same industry are cheaper than ERIE, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 24.89, ERIE is valued at the same level.
  • With a Price/Forward Earnings ratio of 17.48, ERIE is valued on the expensive side.
  • ERIE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ERIE is more expensive than 72.79% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of ERIE to the average of the S&P500 Index (22.19), we can say ERIE is valued slightly cheaper.
Industry RankSector Rank
PE 22.51
Fwd PE 17.48
ERIE Price Earnings VS Forward Price EarningsERIE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ERIE is valued a bit more expensive than 72.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.06
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • ERIE has an outstanding profitability rating, which may justify a higher PE ratio.
  • ERIE's earnings are expected to grow with 13.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)1.63
EPS Next 2Y13.86%
EPS Next 3YN/A

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

5

5. ERIE Dividend Analysis

5.1 Amount

  • ERIE has a Yearly Dividend Yield of 2.40%. Purely for dividend investing, there may be better candidates out there.
  • ERIE's Dividend Yield is a higher than the industry average which is at 2.50.
  • Compared to an average S&P500 Dividend Yield of 1.89, ERIE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.4%

5.2 History

  • The dividend of ERIE decreases each year by -1.51%.
  • 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)-1.51%
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

  • 45.46% of the earnings are spent on dividend by ERIE. This is a bit on the high side, but may be sustainable.
DP45.46%
EPS Next 2Y13.86%
EPS Next 3YN/A
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 2025 200M 400M 600M
ERIE Dividend Payout.ERIE Dividend Payout, showing the Payout Ratio.ERIE Dividend Payout.PayoutRetained Earnings

More info and screens

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ERIE Fundamentals: All Metrics, Ratios and Statistics

ERIE INDEMNITY COMPANY-CL A

NASDAQ:ERIE (3/27/2026, 8:14:02 PM)

After market: 240.87 0 (0%)

240.87

-2.39 (-0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)04-23
Inst Owners45.9%
Inst Owner Change-12.53%
Ins Owners9.18%
Ins Owner Change-0.04%
Market Cap12.60B
Revenue(TTM)4.07B
Net Income(TTM)559.34M
Analysts85.71
Price TargetN/A
Short Float %8.9%
Short Ratio10.97
Dividend
Industry RankSector Rank
Dividend Yield 2.4%
Yearly Dividend4.86
Dividend Growth(5Y)-1.51%
DP45.46%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-07
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-11.79%
Min EPS beat(2)-25.39%
Max EPS beat(2)1.82%
EPS beat(4)1
Avg EPS beat(4)-11.35%
Min EPS beat(4)-25.39%
Max EPS beat(4)1.82%
EPS beat(8)4
Avg EPS beat(8)-2.7%
EPS beat(12)8
Avg EPS beat(12)2.15%
EPS beat(16)8
Avg EPS beat(16)-0.13%
Revenue beat(2)0
Avg Revenue beat(2)-3.99%
Min Revenue beat(2)-4.43%
Max Revenue beat(2)-3.55%
Revenue beat(4)0
Avg Revenue beat(4)-4.02%
Min Revenue beat(4)-6.43%
Max Revenue beat(4)-1.65%
Revenue beat(8)2
Avg Revenue beat(8)-1.42%
Revenue beat(12)6
Avg Revenue beat(12)0.08%
Revenue beat(16)10
Avg Revenue beat(16)0.35%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)-3.16%
EPS NQ rev (3m)-3.16%
EPS NY rev (1m)-3.57%
EPS NY rev (3m)-3.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.56%
Revenue NY rev (3m)-1.56%
Valuation
Industry RankSector Rank
PE 22.51
Fwd PE 17.48
P/S 3.1
P/FCF 22.06
P/OCF 18.34
P/B 5.52
P/tB 5.52
EV/EBITDA N/A
EPS(TTM)10.7
EY4.44%
EPS(NY)13.78
Fwd EY5.72%
FCF(TTM)10.92
FCFY4.53%
OCF(TTM)13.13
OCFY5.45%
SpS77.78
BVpS43.67
TBVpS43.67
PEG (NY)0.78
PEG (5Y)1.63
Graham Number102.53
Profitability
Industry RankSector Rank
ROA 16.67%
ROE 24.5%
ROCE 29.76%
ROIC 23.51%
ROICexc 27.54%
ROICexgc 27.54%
OM 17.63%
PM (TTM) 13.75%
GM 17.63%
FCFM 14.04%
ROA(3y)18.5%
ROA(5y)16.42%
ROE(3y)27.18%
ROE(5y)24.87%
ROIC(3y)24.14%
ROIC(5y)21.38%
ROICexc(3y)28.1%
ROICexc(5y)24.7%
ROICexgc(3y)28.1%
ROICexgc(5y)24.7%
ROCE(3y)30.57%
ROCE(5y)27.07%
ROICexgc growth 3Y9.28%
ROICexgc growth 5Y6.2%
ROICexc growth 3Y9.28%
ROICexc growth 5Y6.2%
OM growth 3Y10.01%
OM growth 5Y5.75%
PM growth 3Y9.36%
PM growth 5Y3.53%
GM growth 3Y10.01%
GM growth 5Y5.75%
F-Score4
Asset Turnover1.21
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 2.84%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 102.08%
Current Ratio 1.27
Quick Ratio 1.27
Altman-Z 10.5
F-Score4
WACC9.08%
ROIC/WACC2.59
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.99%
Cap/Sales(5y)3.4%
Profit Quality(3y)82.6%
Profit Quality(5y)86.64%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.79%
EPS 3Y23.36%
EPS 5Y13.78%
EPS Q2Q%-58.42%
EPS Next Y28.79%
EPS Next 2Y13.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.17%
Revenue growth 3Y12.72%
Revenue growth 5Y9.9%
Sales Q2Q%2.91%
Revenue Next Year4.1%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y6.08%
EBIT growth 3Y23.99%
EBIT growth 5Y16.22%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.38%
FCF growth 3Y24.06%
FCF growth 5Y14.74%
OCF growth 1Y12.34%
OCF growth 3Y23.31%
OCF growth 5Y14.92%

ERIE INDEMNITY COMPANY-CL A / ERIE Fundamental Analysis 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 3 / 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 22.51 and the Price/Book (PB) ratio is 5.52.


Can you provide the financial health for ERIE stock?

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