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

NASDAQ:ERIE • US29530P1021

268.7 USD
-1.12 (-0.42%)
At close: Feb 26, 2026
268.7 USD
0 (0%)
After Hours: 2/26/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall ERIE gets a fundamental rating of 6 out of 10. We evaluated ERIE against 150 industry peers in the Insurance industry. ERIE has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. ERIE has a expensive valuation and it also scores bad on growth. ERIE also has an excellent dividend rating. These ratings would make ERIE suitable for dividend investing!


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

  • In the past year ERIE was profitable.
  • ERIE had a positive operating cash flow in the past year.
  • Of the past 5 years ERIE 4 years were profitable.
  • Of the past 5 years ERIE 4 years had a positive operating cash flow.
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

  • The Return On Assets of ERIE (19.49%) is better than 99.33% of its industry peers.
  • ERIE has a Return On Equity of 28.06%. This is amongst the best in the industry. ERIE outperforms 94.67% of its industry peers.
  • With an excellent Return On Invested Capital value of 23.76%, ERIE belongs to the best of the industry, outperforming 98.67% 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 15.13%.
  • 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

  • With an excellent Profit Margin value of 16.04%, ERIE belongs to the best of the industry, outperforming 81.33% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ERIE has grown nicely.
  • ERIE has a Operating Margin of 17.99%. This is in the better half of the industry: ERIE outperforms 68.00% of its industry peers.
  • ERIE's Operating Margin has improved in the last couple of years.
  • The Gross Margin of ERIE (17.99%) is better than 86.67% of its industry peers.
  • In the last couple of years the Gross Margin of ERIE has grown nicely.
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.
  • 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 11.95. This indicates that ERIE is financially healthy and has little risk of bankruptcy at the moment.
  • ERIE has a Altman-Z score of 11.95. This is amongst the best in the industry. ERIE outperforms 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 11.95
ROIC/WACC2.74
WACC8.68%
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's Current ratio of 1.67 is amongst the best of the industry. ERIE outperforms 88.67% of its industry peers.
  • A Quick Ratio of 1.67 indicates that ERIE should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.67, ERIE belongs to the top of the industry, outperforming 88.67% of the companies in the same industry.
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

3

3. Growth

3.1 Past

  • The earnings per share for ERIE have decreased strongly by -20.21% 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 10.30% yearly.
EPS 1Y (TTM)-20.21%
EPS 3Y17.13%
EPS 5Y10.3%
EPS Q2Q%-111.34%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.91%

3.2 Future

  • ERIE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.06% yearly.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y56.01%
EPS Next 2Y23.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.75%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 5 10

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 29.33, which means the current valuation is very expensive for ERIE.
  • Based on the Price/Earnings ratio, ERIE is valued a bit more expensive than the industry average as 76.00% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.05, ERIE is valued at the same level.
  • Based on the Price/Forward Earnings ratio of 18.80, the valuation of ERIE can be described as rather expensive.
  • 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 70.67% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of ERIE to the average of the S&P500 Index (28.03), we can say ERIE is valued slightly cheaper.
Industry RankSector Rank
PE 29.33
Fwd PE 18.8
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 the industry average as 68.00% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 24.39
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 23.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)2.85
EPS Next 2Y23.06%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • ERIE has a Yearly Dividend Yield of 2.28%.
  • ERIE's Dividend Yield is a higher than the industry average which is at 2.63.
  • ERIE's Dividend Yield is a higher than the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.28%

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

  • 38.69% of the earnings are spent on dividend by ERIE. This is a low number and sustainable payout ratio.
  • The dividend of ERIE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP38.69%
EPS Next 2Y23.06%
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 200M 400M 600M
ERIE Dividend Payout.ERIE Dividend Payout, showing the Payout Ratio.ERIE Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

ERIE INDEMNITY COMPANY-CL A

NASDAQ:ERIE (2/26/2026, 4:30:02 PM)

After market: 268.7 0 (0%)

268.7

-1.12 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)04-22
Inst Owners41.58%
Inst Owner Change-12.47%
Ins Owners9.2%
Ins Owner Change-0.04%
Market Cap14.05B
Revenue(TTM)N/A
Net Income(TTM)647.96M
Analysts85.71
Price TargetN/A
Short Float %8.52%
Short Ratio11.83
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
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 29.33
Fwd PE 18.8
P/S 3.48
P/FCF 24.39
P/OCF 19.84
P/B 6.09
P/tB 6.09
EV/EBITDA N/A
EPS(TTM)9.16
EY3.41%
EPS(NY)14.29
Fwd EY5.32%
FCF(TTM)11.02
FCFY4.1%
OCF(TTM)13.54
OCFY5.04%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)0.52
PEG (5Y)2.85
Graham Number95.4
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 11.95
F-Score6
WACC8.68%
ROIC/WACC2.74
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)-20.21%
EPS 3Y17.13%
EPS 5Y10.3%
EPS Q2Q%-111.34%
EPS Next Y56.01%
EPS Next 2Y23.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.91%
Revenue Next Year5.75%
Revenue Next 2YN/A
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 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 29.33 and the Price/Book (PB) ratio is 6.09.


Can you provide the financial health for ERIE stock?

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