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

NASDAQ:ERIE • US29530P1021

269.82 USD
+12.81 (+4.98%)
At close: Feb 25, 2026
269.82 USD
0 (0%)
After Hours: 2/25/2026, 8:07:28 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 scores excellent points on both the profitability and health parts. This is a solid base for a good stock. ERIE does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

9

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.
  • Of the past 5 years ERIE 4 years were profitable.
  • ERIE had a positive operating cash flow in 4 of the past 5 years.
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.
  • The Return On Equity of ERIE (28.06%) is better than 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for ERIE is significantly above the industry average of 15.13%.
  • The 3 year average ROIC (22.70%) for ERIE is below the current ROIC(23.76%), indicating increased profibility in the last year.
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

  • ERIE has a Profit Margin of 16.04%. This is amongst the best in the industry. ERIE outperforms 81.33% of its industry peers.
  • 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.
  • In the last couple of years the Operating Margin of ERIE has grown nicely.
  • ERIE's Gross Margin of 17.99% is amongst the best of the industry. ERIE outperforms 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

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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

  • An Altman-Z score of 11.55 indicates that ERIE is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 11.55, 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 11.55
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.
  • Looking at the Current 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.
  • 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.
  • ERIE has a Quick ratio of 1.67. This is amongst the best in 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

3

3. Growth

3.1 Past

  • ERIE shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.21%.
  • The Earnings Per Share has been growing by 10.30% on average over the past years. This is quite good.
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

  • A Price/Earnings ratio of 29.46 indicates a quite expensive valuation of ERIE.
  • 76.00% of the companies in the same industry are cheaper than ERIE, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of ERIE to the average of the S&P500 Index (27.05), we can say ERIE is valued inline with the index average.
  • The Price/Forward Earnings ratio is 18.88, which indicates a rather expensive current valuation of ERIE.
  • 67.33% of the companies in the same industry are cheaper than ERIE, based on the Price/Forward Earnings ratio.
  • 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 29.46
Fwd PE 18.88
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 24.49
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.
  • The excellent profitability rating of ERIE may justify a higher PE ratio.
  • A more expensive valuation may be justified as ERIE's earnings are expected to grow with 23.06% in the coming years.
PEG (NY)0.53
PEG (5Y)2.86
EPS Next 2Y23.06%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.22%, ERIE has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.63, ERIE has a dividend in line with its industry peers.
  • 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 2.22%

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
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

More info and screens

Find the best dividend stocksShow peers with best dividend

ERIE INDEMNITY COMPANY-CL A

NASDAQ:ERIE (2/25/2026, 8:07:28 PM)

After market: 269.82 0 (0%)

269.82

+12.81 (+4.98%)

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 Cap14.11B
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 2.22%
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 29.46
Fwd PE 18.88
P/S 3.49
P/FCF 24.49
P/OCF 19.92
P/B 6.11
P/tB 6.11
EV/EBITDA N/A
EPS(TTM)9.16
EY3.39%
EPS(NY)14.29
Fwd EY5.3%
FCF(TTM)11.02
FCFY4.08%
OCF(TTM)13.54
OCFY5.02%
SpS77.27
BVpS44.16
TBVpS44.16
PEG (NY)0.53
PEG (5Y)2.86
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 11.55
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 29.46 and the Price/Book (PB) ratio is 6.11.


Can you provide the financial health for ERIE stock?

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