283.01 USD
+0.91 (+0.32%)
At close: Jan 30, 2026
282.999 USD
-0.01 (0%)
After Hours: 1/30/2026, 8:00:02 PM
Overall ERIE gets a fundamental rating of 7 out of 10. We evaluated ERIE against 148 industry peers in the Insurance industry. ERIE gets an excellent profitability rating and is at the same time showing great financial health properties. While showing a medium growth rate, ERIE is valued expensive at the moment. These ratings would make ERIE suitable 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.
- ERIE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- ERIE has a Return On Assets of 19.49%. This is amongst the best in the industry. ERIE outperforms 99.32% of its industry peers.
- ERIE has a better Return On Equity (28.06%) than 94.59% of its industry peers.
- ERIE has a better Return On Invested Capital (23.76%) than 98.65% of its industry peers.
- ERIE had an Average Return On Invested Capital over the past 3 years of 22.70%. This 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
- ERIE has a Profit Margin of 16.04%. This is amongst the best in the industry. ERIE outperforms 82.43% of its industry peers.
- ERIE's Profit Margin has improved in the last couple of years.
- ERIE's Operating Margin of 17.99% is fine compared to the rest of the industry. ERIE outperforms 67.57% of its industry peers.
- ERIE's Operating Margin has improved in the last couple of years.
- ERIE has a better Gross Margin (17.99%) than 86.49% 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
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), ERIE is creating value.
- The number of shares outstanding for ERIE remains at a similar level compared to 1 year ago.
- 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.
2.2 Solvency
- ERIE has an Altman-Z score of 12.36. This indicates that ERIE is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 12.36, ERIE belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- ERIE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 12.36 |
ROIC/WACC2.67
WACC8.9%
2.3 Liquidity
- A Current Ratio of 1.67 indicates that ERIE should not have too much problems paying its short term obligations.
- With an excellent Current ratio value of 1.67, ERIE belongs to the best of the industry, outperforming 89.19% 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.
- Looking at the Quick ratio, with a value of 1.67, ERIE belongs to the top of the industry, outperforming 89.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 16.00% over the past year.
- 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.
- 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
- The Earnings Per Share is expected to grow by 6.51% on average over the next years.
- 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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 22.82, ERIE is valued on the expensive side.
- Compared to the rest of the industry, the Price/Earnings ratio of ERIE indicates a slightly more expensive valuation: ERIE is more expensive than 72.30% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of ERIE to the average of the S&P500 Index (28.32), we can say ERIE is valued inline with the index average.
- A Price/Forward Earnings ratio of 19.80 indicates a rather expensive valuation of ERIE.
- Based on the Price/Forward Earnings ratio, ERIE is valued a bit more expensive than the industry average as 72.30% of the companies are valued more cheaply.
- ERIE's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.82 | ||
| Fwd PE | 19.8 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ERIE is valued a bit more expensive than 68.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.68 | ||
| EV/EBITDA | N/A |
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.
- The excellent profitability rating of ERIE may justify a higher PE ratio.
PEG (NY)1.92
PEG (5Y)1.67
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.
- ERIE's Dividend Yield is comparable with the industry average which is at 2.23.
- Compared to an average S&P500 Dividend Yield of 1.83, ERIE has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
- On average, the dividend of ERIE grows each year by 7.09%, which is quite nice.
- 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
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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.69%
EPS Next 2Y11.57%
EPS Next 3Y6.51%
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 22.82 and the Price/Book (PB) ratio is 6.41.
Can you provide the financial health for ERIE stock?
The financial health rating of ERIE INDEMNITY COMPANY-CL A (ERIE) is 8 / 10.