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

NASDAQ:ERIE • US29530P1021

Current stock price

214.96 USD
-3.97 (-1.81%)
At close:
214.96 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.
  • ERIE had a positive operating cash flow in the past year.
  • In the past 5 years ERIE has always been profitable.
  • 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 2025 200M 400M 600M

1.2 Ratios

  • ERIE has a Return On Assets of 16.92%. This is amongst the best in the industry. ERIE outperforms 98.64% of its industry peers.
  • With an excellent Return On Equity value of 24.28%, ERIE belongs to the best of the industry, outperforming 88.44% of the companies in the same industry.
  • The Return On Invested Capital of ERIE (23.36%) is better than 97.28% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ERIE is significantly above the industry average of 9.60%.
Industry RankSector Rank
ROA 16.92%
ROE 24.28%
ROIC 23.36%
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

  • The Profit Margin of ERIE (13.97%) is better than 70.75% of its industry peers.
  • In the last couple of years the Profit Margin of ERIE has grown nicely.
  • ERIE has a better Operating Margin (17.91%) than 70.07% of its industry peers.
  • In the last couple of years the Operating Margin of ERIE has grown nicely.
  • ERIE has a better Gross Margin (17.91%) than 86.39% of its industry peers.
  • In the last couple of years the Gross Margin of ERIE has grown nicely.
Industry RankSector Rank
OM 17.91%
PM (TTM) 13.97%
GM 17.91%
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.
  • The number of shares outstanding for ERIE remains at a similar level compared to 1 year ago.
  • 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

  • ERIE has an Altman-Z score of 10.08. This indicates that ERIE is financially healthy and has little risk of bankruptcy at the moment.
  • ERIE's Altman-Z score of 10.08 is amongst the best of 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 10.08
ROIC/WACC2.59
WACC9.03%
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

  • ERIE has a Current Ratio of 1.29. This is a normal value and indicates that ERIE is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of ERIE (1.29) is better than 85.71% of its industry peers.
  • ERIE has a Quick Ratio of 1.29. This is a normal value and indicates that ERIE is financially healthy and should not expect problems in meeting its short term obligations.
  • ERIE has a Quick ratio of 1.29. This is amongst the best in the industry. ERIE outperforms 85.71% of its industry peers.
Industry RankSector Rank
Current Ratio 1.29
Quick Ratio 1.29
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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4

3. ERIE Growth Analysis

3.1 Past

  • The earnings per share for ERIE have decreased by -6.98% 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 4.76% 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)-6.98%
EPS 3Y23.36%
EPS 5Y13.78%
EPS Q2Q%8.68%
Revenue 1Y (TTM)4.76%
Revenue growth 3Y12.72%
Revenue growth 5Y9.9%
Sales Q2Q%2.28%

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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4

4. ERIE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 19.67, 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 79.59% of the companies listed in the same industry.
  • ERIE is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 15.50, ERIE is valued correctly.
  • ERIE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ERIE is more expensive than 68.71% of the companies in the same industry.
  • ERIE's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.41.
Industry RankSector Rank
PE 19.67
Fwd PE 15.5
ERIE Price Earnings VS Forward Price EarningsERIE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 70.07% of the companies in the same industry are cheaper than ERIE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 20.93
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)0.68
PEG (5Y)1.43
EPS Next 2Y13.86%
EPS Next 3YN/A

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5

5. ERIE Dividend Analysis

5.1 Amount

  • ERIE has a Yearly Dividend Yield of 2.67%.
  • The stock price of ERIE dropped by -24.05% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • ERIE's Dividend Yield is a higher than the industry average which is at 2.43.
  • Compared to an average S&P500 Dividend Yield of 1.80, ERIE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.67%

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 Years4
Div Non Decr Years4
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

  • ERIE pays out 45.30% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP45.3%
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

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ERIE Fundamentals: All Metrics, Ratios and Statistics

ERIE INDEMNITY COMPANY-CL A

NASDAQ:ERIE (5/1/2026, 8:24:01 PM)

After market: 214.96 0 (0%)

214.96

-3.97 (-1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength36.65
Industry Growth89.44
Earnings (Last)04-23
Earnings (Next)08-05
Inst Owners45.85%
Inst Owner Change0.85%
Ins Owners9.16%
Ins Owner Change-0.04%
Market Cap11.24B
Revenue(TTM)4.09B
Net Income(TTM)571.39M
Analysts85.71
Price Target76.31 (-64.5%)
Short Float %9.46%
Short Ratio9.78
Dividend
Industry RankSector Rank
Dividend Yield 2.67%
Yearly Dividend4.86
Dividend Growth(5Y)-1.51%
DP45.3%
Div Incr Years4
Div Non Decr Years4
Ex-Date04-07
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.56%
Min EPS beat(2)-25.39%
Max EPS beat(2)-7.73%
EPS beat(4)1
Avg EPS beat(4)-9.27%
Min EPS beat(4)-25.39%
Max EPS beat(4)1.82%
EPS beat(8)3
Avg EPS beat(8)-3.91%
EPS beat(12)7
Avg EPS beat(12)0.74%
EPS beat(16)8
Avg EPS beat(16)0.01%
Revenue beat(2)0
Avg Revenue beat(2)-6.63%
Min Revenue beat(2)-8.84%
Max Revenue beat(2)-4.43%
Revenue beat(4)0
Avg Revenue beat(4)-5.81%
Min Revenue beat(4)-8.84%
Max Revenue beat(4)-3.55%
Revenue beat(8)1
Avg Revenue beat(8)-2.94%
Revenue beat(12)5
Avg Revenue beat(12)-1.04%
Revenue beat(16)9
Avg Revenue beat(16)-0.28%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.56%
Valuation
Industry RankSector Rank
PE 19.67
Fwd PE 15.5
P/S 2.75
P/FCF 20.93
P/OCF 17.02
P/B 4.78
P/tB 4.78
EV/EBITDA N/A
EPS(TTM)10.93
EY5.08%
EPS(NY)13.87
Fwd EY6.45%
FCF(TTM)10.27
FCFY4.78%
OCF(TTM)12.63
OCFY5.88%
SpS78.21
BVpS45.01
TBVpS45.01
PEG (NY)0.68
PEG (5Y)1.43
Graham Number105.209 (-51.06%)
Profitability
Industry RankSector Rank
ROA 16.92%
ROE 24.28%
ROCE 29.58%
ROIC 23.36%
ROICexc 26.39%
ROICexgc 26.39%
OM 17.91%
PM (TTM) 13.97%
GM 17.91%
FCFM 13.13%
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-Score5
Asset Turnover1.21
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.02%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 93.98%
Current Ratio 1.29
Quick Ratio 1.29
Altman-Z 10.08
F-Score5
WACC9.03%
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)-6.98%
EPS 3Y23.36%
EPS 5Y13.78%
EPS Q2Q%8.68%
EPS Next Y28.79%
EPS Next 2Y13.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.76%
Revenue growth 3Y12.72%
Revenue growth 5Y9.9%
Sales Q2Q%2.28%
Revenue Next Year4.1%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y6.38%
EBIT growth 3Y23.99%
EBIT growth 5Y16.22%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y65.53%
FCF growth 3Y24.06%
FCF growth 5Y14.74%
OCF growth 1Y57.1%
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 4 / 10 to ERIE INDEMNITY COMPANY-CL A (ERIE). This can be considered as Fairly Valued.


How profitable is ERIE INDEMNITY COMPANY-CL A (ERIE) stock?

ERIE INDEMNITY COMPANY-CL A (ERIE) has a profitability rating of 9 / 10.


What is the earnings growth outlook for ERIE INDEMNITY COMPANY-CL A?

The Earnings per Share (EPS) of ERIE INDEMNITY COMPANY-CL A (ERIE) is expected to grow by 28.79% in the next year.


How sustainable is the dividend of ERIE INDEMNITY COMPANY-CL A (ERIE) stock?

The dividend rating of ERIE INDEMNITY COMPANY-CL A (ERIE) is 5 / 10 and the dividend payout ratio is 45.3%.