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

NASDAQ:ERIE • US29530P1021

266.215 USD
-6.83 (-2.5%)
Last: Feb 23, 2026, 01:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

Taking everything into account, ERIE scores 7 out of 10 in our fundamental rating. ERIE was compared to 150 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. ERIE is quite expensive at the moment. It does show a decent growth rate. 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.
  • ERIE had a positive operating cash flow in the past year.
  • ERIE had positive earnings in each of the past 5 years.
  • In the past 5 years ERIE always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 19.49%, ERIE belongs to the top of the industry, outperforming 99.33% of the companies in the same industry.
  • ERIE's Return On Equity of 28.06% is amongst the best of the industry. ERIE outperforms 94.67% of its industry peers.
  • ERIE has a better Return On Invested Capital (23.76%) than 98.67% of its industry peers.
  • 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

  • Looking at the Profit Margin, with a value of 16.04%, ERIE belongs to the top of the industry, outperforming 81.33% 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 68.00% of its industry peers.
  • ERIE's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 17.99%, ERIE belongs to the top of the industry, outperforming 86.67% 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

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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.
  • 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.
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 12.05. This indicates that ERIE is financially healthy and has little risk of bankruptcy at the moment.
  • With an excellent Altman-Z score value of 12.05, 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 12.05
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 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.
  • ERIE's Quick ratio of 1.67 is amongst the best of the industry. ERIE outperforms 88.67% 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

  • 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.
  • The Earnings Per Share has been growing by 13.63% on average over the past years. This is quite good.
  • Looking at the last year, ERIE shows a quite strong growth in Revenue. The Revenue has grown by 9.53% in the last year.
  • 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

  • Based on estimates for the next years, ERIE will show a small growth in Earnings Per Share. The EPS will grow by 6.51% on average per year.
  • 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

  • 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.
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 21.47.
  • Compared to the rest of the industry, the Price/Earnings ratio of ERIE indicates a slightly more expensive valuation: ERIE is more expensive than 72.67% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, ERIE is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 18.63, the valuation of ERIE can be described as rather expensive.
  • ERIE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ERIE is more expensive than 70.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of ERIE to the average of the S&P500 Index (28.02), we can say ERIE is valued slightly cheaper.
Industry RankSector Rank
PE 21.47
Fwd PE 18.63
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

  • 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 67.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 24.16
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 ERIE does not grow enough to justify the current Price/Earnings ratio.
  • ERIE has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)1.81
PEG (5Y)1.58
EPS Next 2Y11.57%
EPS Next 3Y6.51%

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

5

5. Dividend

5.1 Amount

  • ERIE has a Yearly Dividend Yield of 2.13%.
  • ERIE's Dividend Yield is comparable with the industry average which is at 2.58.
  • Compared to an average S&P500 Dividend Yield of 1.81, ERIE has a dividend comparable with the average S&P500 company.
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

  • 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%
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 (2/23/2026, 1:46:34 PM)

266.215

-6.83 (-2.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30
Earnings (Next)02-23
Inst Owners41.58%
Inst Owner Change-12.47%
Ins Owners9.2%
Ins Owner Change-0.04%
Market Cap13.92B
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 21.47
Fwd PE 18.63
P/S 3.45
P/FCF 24.16
P/OCF 19.66
P/B 6.03
P/tB 6.03
EV/EBITDA N/A
EPS(TTM)12.4
EY4.66%
EPS(NY)14.29
Fwd EY5.37%
FCF(TTM)11.02
FCFY4.14%
OCF(TTM)13.54
OCFY5.09%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)1.81
PEG (5Y)1.58
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 12.05
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 21.47 and the Price/Book (PB) ratio is 6.03.


Can you provide the financial health for ERIE stock?

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