286.38 USD
+5.63 (+2.01%)
At close: Feb 4, 2026
286.38 USD
0 (0%)
After Hours: 2/4/2026, 8:16:33 PM
ERIE gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 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. This makes ERIE very considerable for quality investing!
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.
- 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.
- Looking at the Return On Equity, with a value of 28.06%, ERIE belongs to the top of the industry, outperforming 94.56% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 23.76%, ERIE belongs to the best of the industry, outperforming 98.64% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for ERIE is significantly above the industry average of 14.94%.
- 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
- With an excellent Profit Margin value of 16.04%, ERIE belongs to the best of the industry, outperforming 81.63% of the companies in the same industry.
- ERIE's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 17.99%, ERIE is in the better half of the industry, outperforming 67.35% of the companies in the same industry.
- In the last couple of years the Operating Margin of ERIE has grown nicely.
- ERIE has a Gross Margin of 17.99%. This is amongst the best in the industry. ERIE outperforms 87.07% of its industry peers.
- 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.
- ERIE has about the same amout of shares outstanding than it did 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 12.46. This indicates that ERIE is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of ERIE (12.46) is better than 100.00% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 12.46 |
ROIC/WACC2.66
WACC8.92%
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.
- With an excellent Current ratio value of 1.67, ERIE belongs to the best of the industry, outperforming 89.12% of the companies in the same industry.
- 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.
- The Quick ratio of ERIE (1.67) is better than 89.12% 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.
- 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.
- ERIE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.53%.
- 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.
- The Revenue is expected to grow by 6.77% on average over the next years.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 23.10, 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 72.79% of the companies are valued more cheaply.
- When comparing the Price/Earnings ratio of ERIE to the average of the S&P500 Index (28.25), we can say ERIE is valued inline with the index average.
- With a Price/Forward Earnings ratio of 20.04, ERIE is valued on the expensive side.
- Based on the Price/Forward Earnings ratio, ERIE is valued a bit more expensive than 73.47% of the companies in the same industry.
- ERIE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.50, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.1 | ||
| Fwd PE | 20.04 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ERIE is valued a bit more expensive than 69.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.99 | ||
| 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)1.95
PEG (5Y)1.69
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 2.19, ERIE has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, ERIE has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
- The dividend of ERIE is nicely growing with an annual growth rate of 7.09%!
- 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
- 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%
286.38
+5.63 (+2.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)02-26 2026-02-26/amc
Inst Owners41.58%
Inst Owner Change-0.15%
Ins Owners9.2%
Ins Owner Change-0.05%
Market Cap14.97B
Revenue(TTM)4.04B
Net Income(TTM)647.96M
Analysts85.71
Price TargetN/A
Short Float %8.3%
Short Ratio12.32
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 | 23.1 | ||
| Fwd PE | 20.04 | ||
| P/S | 3.71 | ||
| P/FCF | 25.99 | ||
| P/OCF | 21.15 | ||
| P/B | 6.49 | ||
| P/tB | 6.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.4
EY4.33%
EPS(NY)14.29
Fwd EY4.99%
FCF(TTM)11.02
FCFY3.85%
OCF(TTM)13.54
OCFY4.73%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)1.95
PEG (5Y)1.69
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 | 12.46 |
F-Score6
WACC8.92%
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 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 23.1 and the Price/Book (PB) ratio is 6.49.
Can you provide the financial health for ERIE stock?
The financial health rating of ERIE INDEMNITY COMPANY-CL A (ERIE) is 8 / 10.