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Erie Indemnity Company ERIE

Financial — Insurance Brokers
S&P 500 Member Dividend Champion (5y) Cash Flow Champion (3y) Insider Buys (last 12m)
Indexes indicate stock being part of an index ,
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
1.43
Total sells
0.10
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — 1 — — —
Sell — — — — — — — 1 — — — —
Insider Ownership
46.09%

Capital & Financial Ratios

Market Cap
11,460.00
Revenue
4,119.47
Net Income
559.34
Free Cash Flow
553.08
Net Debt
(282.90)
Current Ratio
1.56
Debt/Equity
0.00
P/E ratio
19.29
P/S ratio
2.68
P/B ratio
4.48
Past 5Y EPS Growth
13.64%
This Y EPS Growth
18.62%
Next Y EPS Growth
26.44%
Next 5Y EPS Growth
10.00%
in millions of $

Dividends

Payout Ratio
0.69
Annual Dividend Rate
4.76
Annual Dividend Yield
1.36%
total individual payouts
2026 5.85
—
—
—
—
2025 5.46
—
—
—
—
2024 5.10
—
—
—
—
2023 4.76
—
—
—
—
2022 4.44
—
—
—
—
2021 4.14
—
—
—
—
2020 3.86
—
—
—
—
—
2019 3.60
—
—
—
—
2018 4.19
—
—
—
—
—
2017 3.13
—
—
—
—
2016 2.19
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 144.06 298.40 345.87 282.90
Receivables 625.34 707.06 735.59 753.25
Inventory — — — —
Other — — — —
769.39 1,005.46 1,081.46 1,036.15
2023 2024 2025 Q'26
Payables 529.33 598.34 626.02 662.97
ST’ Debt — — — —
Other — — — —
529.33 598.34 626.02 662.97
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 1,011.91 1,089.80 — —
—
’25 989.40 1,060.10 1,066.74 951.02
4,067.26
’24 880.70 990.44 999.89 924.09
3,795.12
’23 752.47 839.87 858.94 817.67
3,268.94
’22 672.11 726.14 741.24 700.63
2,840.12
’21 630.18 680.03 687.84 635.93
2,633.98
’20 616.74 657.02 653.48 609.25
2,536.49
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 91.89 214.92 — —
—
’25 118.12 177.58 219.41 171.56
686.66
’24 87.19 131.43 199.17 193.46
611.25
’23 48.03 131.98 52.76 148.44
381.21
’22 23.55 82.72 131.83 128.04
366.15
’21 33.48 94.24 136.32 138.76
402.79
’20 20.08 107.21 107.20 108.12
342.60
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 54.48 173.40 — —
—
’25 88.44 157.32 184.41 140.79
570.97
’24 64.75 103.39 171.46 146.82
486.40
’23 28.89 106.12 25.66 127.89
288.56
’22 8.13 70.28 109.08 111.73
299.21
’21 22.34 77.19 126.42 28.05
253.99
’20 (1.01) 90.87 92.33 104.89
287.08
in millions of $

EPS

Mar Jun Sep Dec Year
’26 2.88 3.45 — —
—
’25 2.65 3.34 3.50 1.21
10.69
’24 2.38 3.13 3.06 2.91
11.48
’23 1.65 2.25 2.51 2.12
8.53
’22 1.31 1.53 1.61 1.25
5.71
’21 1.41 1.51 1.72 1.05
5.69
’20 1.13 1.57 1.71 1.20
5.61

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 158.46 199.49 321.05 273.59 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 286.50 336.05 547.00 456.93 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6,038 6,556 6,801 6,667 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.47 0.50 0.56 0.61 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,840.12 3,268.94 3,795.12 4,067.26 ‡‡‡‡‡ — —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.25% 15.92% 17.82% 17.63% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 376.45 561.94 757.28 710.60 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.25% 17.19% 19.95% 17.47% ‡‡‡ — —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 298.57 446.06 600.31 559.34 ‡‡‡‡‡ — —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 51.72 53.59 63.91 76.78 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 61.49 70.77 82.16 88.05 ‡‡‡‡‡ — —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 6.41 9.58 12.89 12.01 ‡‡‡‡‡ — —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.93 8.25 13.23 14.87 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1.45) (2.01) (2.70) (2.50) ‡‡‡ — —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.48 6.25 10.53 12.36 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 31.36 36.00 43.02 49.43 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 46.19 46.19 46.19 46.19 ‡‡‡‡‡ — —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 38.14 35.01 32.01 23.87 ‡‡‡‡ — —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.98 4.73 5.02 3.26 ‡‡‡ — —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.80 9.31 9.58 5.80 ‡‡‡ — —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.97 4.73 4.97 3.20 ‡‡‡ — —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 37.70 53.58 38.80 22.81 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 366.15 381.21 611.25 686.66 ‡‡‡ — —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (66.94) (92.65) (124.84) (115.69) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 299.21 288.56 486.40 570.97 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 201.08 240.06 407.12 455.44 — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ — — — — — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (142.09) (144.05) (298.40) (345.87) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,448.41 1,662.84 1,987.26 2,283.37 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.32% 18.94% 22.40% 17.92% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.00% 21.41% 25.03% 23.13% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 21.40% 28.67% 32.89% 26.19% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Erie Indemnity Company (ERIE) has delivered explosive growth as the attorney-in-fact for the Erie Insurance Exchange, with revenue surging 138% from $1.60 billion in 2016 to $3.80 billion in 2024, even powering through the COVID-19 disruptions with a 2.5% gain in 2020. This reflects a sticky policyholder base, operational efficiency—revenue per employee up 75% despite staff growth—and scaling in a hardening insurance market fueled by premium hikes and higher volumes. Free cash flow per share doubled to $10.53, underscoring ERIE’s ability to generate cash while keeping costs in check.

Profitability is soaring, with EPS nearly tripling to $12.89, ROE hitting 32.9%, and margins rebounding amid better pricing and loss controls post-natural disasters. The balance sheet is rock-solid, boasting $1.99 billion in equity (up 143%), substantial net cash, and ample liquidity. Despite a recent 15% stock dip from 2024 lows amid market rotations, revenue per share has outpaced price gains, trading at reasonable multiples like 32x PE and hinting at undervaluation versus historic trends.

Looking ahead, analysts forecast 8% revenue growth to $4.09 billion in 2025 and steady EPS expansion to $14.01 by 2026, powered by digital innovations, geographic push, and climate-resilient underwriting in a massive P&C market. With fundamentals screaming higher amid lagging targets, ERIE offers 50%+ upside potential for patient investors—don’t miss this under-the-radar powerhouse.

Read full commentary →

Erie Indemnity Company (ERIE) Latest News

News by impact score

Fine-tune

31 Jul

3 , 5:04 PM
Erie Indemnity Co reported Q2 2026 earnings call highlights centered on underwriting turnaround, improved operational metrics, and related financial performance. Underwriting turnaround signals operational gains likely to affect near-term profitability without fundamentally shifting long-term market position.

30 Jul

3 , 4:15 PM
Erie Indemnity reported second quarter 2026 financial results. Quarterly results release key performance data that can shift near-term valuation and sentiment.

26 Apr

3 StockStory, 12:18 PM
Erie Indemnity Company (ERIE) posted Q1 margin recovery despite competitive headwinds, with notable progress in technology modernization. Q1 margin recovery and tech modernization advances moderately bolster financial performance amid competitive pressures.

25 Apr

4 GuruFocus.com, 3:03 AM
Erie Indemnity Co (ERIE) Q1 2026 earnings call highlights strong financial performance amid challenges. Strong Q1 2026 earnings signal significant positive impact on ERIE's financial trajectory and market sentiment.

24 Apr

3 app.moby.co, 8:30 AM
Erie Indemnity Company released Q1 2026 earnings call summary detailing financial results, operational updates, and future outlook. Q1 earnings call summary influences financial performance perceptions and short-term market sentiment.

23 Apr

4 PR Newswire, 4:15 PM
Erie Indemnity Company (ERIE) reported first quarter 2026 results. Quarterly earnings reports significantly affect ERIE's financial performance and investor sentiment.

22 Apr

4 StockStory, 4:45 AM
Erie Indemnity (ERIE) releases quarterly earnings tomorrow, with analysts previewing expectations on revenue, EPS, and guidance amid focus on management fee growth and operating performance. Upcoming earnings report carries potential for significant stock volatility and shifts in investor sentiment based on results versus consensus estimates.

13 Apr

3 StockStory, 7:16 PM
Erie Indemnity Company (ERIE) demonstrates explosive upside potential through three key reasons. Three reasons highlight moderate potential for improved financial performance and investor sentiment in ERIE.

12 Apr

4 GuruFocus.com, 8:52 AM
Erie Indemnity has collected a management fee from the Erie Insurance Exchange for over a century, delivering stable cash flows without underwriting risk, but the market still prices it like a traditional cyclical insurer, potentially undervaluing its predictable business model. Market recognition of ERIE's fee-based stability over insurer risks could trigger significant revaluation and performance gains.

4 Mar

4 Simply Wall St., 5:08 AM
Erie Indemnity Company (ERIE) delivered a robust Q4 earnings beat, prompting a valuation analysis highlighting potential upside in its stock amid strong financial performance. Robust Q4 earnings beat indicates strong financial momentum, likely enhancing ERIE's market valuation and investor confidence significantly.

25 Feb

4 transcript www.fool.com, 1:11 PM
Erie Indemnity (ERIE) released Q4 2025 earnings call transcript detailing financial results, management discussion, and future outlook. Q4 earnings transcript discloses key financial metrics, strategic updates, and guidance directly impacting ERIE's valuation and market trajectory.

24 Feb

4 , 8:09 PM
Erie Indemnity plans CEO transition as market reacts to earnings miss. CEO transition combined with earnings miss represents major leadership change and financial setback likely to alter strategic direction and investor confidence.

4 GuruFocus.com, 4:03 PM
Erie Indemnity Co (ERIE) Q4 2025 earnings call highlights strong premium growth amidst challenges. Strong premium growth in Q4 2025 earnings signals significant positive impact on ERIE's financial performance and market trajectory.

23 Feb

4 Associated Press Finance, 4:30 PM
Erie Indemnity Company released its Q4 earnings snapshot, reporting key financial metrics for the quarter. Q4 earnings snapshots reveal financial performance that can significantly sway stock price and long-term investor outlook.

4 PR Newswire, 4:15 PM
Erie Indemnity Company reported full-year and fourth-quarter 2025 financial results, detailing operating revenue, net income, and key performance metrics for the period. Full-year and Q4 earnings results directly reveal financial health and operational performance, significantly impacting investor sentiment and stock trajectory.

3 StockStory, 4:25 PM
Erie Indemnity (NASDAQ:ERIE) reported Q4 CY2025 revenue below analyst estimates. Q4 CY2025 revenue miss highlights weaker financial performance, likely pressuring short-term market sentiment without derailing long-term operations.

21 Feb

3 StockStory, 10:05 PM
Erie Indemnity Company (ERIE) released its Q4 financial results, detailing key metrics and insights ahead of the official earnings report. Q4 results preview moderately influences investor sentiment and expectations for ERIE's financial performance.

20 Feb

4 PR Newswire, 11:00 AM
Tim NeCastro will retire as president and CEO of Erie Insurance. CEO retirement introduces leadership transition with potential to significantly alter strategic direction and investor sentiment.

16 Feb

3 Zacks, 10:00 AM
Erie Indemnity (ERIE) Q4 earnings expected to decline. Expected Q4 earnings decline signals moderately noticeable pressure on financial performance.

10 Feb

4 StockStory, 11:37 PM
Erie Indemnity Company (ERIE) is highlighted for its strong fundamentals, showcasing solid financial performance and growth potential. In contrast, two other insurance stocks are identified as facing significant headwinds, which could hinder their market performance. The analysis emphasizes ERIE's competitive advantages and resilience in the current market environment. ERIE's strong fundamentals and competitive positioning suggest a significant impact on its future performance.

7 Feb

3 Simply Wall St., 6:05 PM
Erie Indemnity Company (ERIE) has experienced a mixed one-year return, prompting a valuation check. The company is currently trading at a premium P/E multiple, raising questions about its future performance and market positioning. Analysts are assessing the implications of these factors on ERIE's financial health and competitive landscape. The mixed one-year return and premium P/E multiple indicate a moderately noticeable influence on the company's financial performance and market sentiment.

6 Feb

3 www.barchart.com, 9:55 AM
Wall Street analysts are evaluating the future performance of Erie Indemnity Company (ERIE), with mixed predictions regarding its stock trajectory. Some analysts express optimism about potential growth driven by strategic initiatives, while others caution about market volatility and competitive pressures that could hinder performance. The overall sentiment reflects a cautious outlook, balancing opportunities against risks in the current economic landscape. Analyst predictions indicate a moderately noticeable influence on ERIE's financial performance and market sentiment.

3 Feb

3 Insider Monkey, 8:47 AM
Erie Indemnity Company (ERIE) has maintained a long-standing record of dividend payments, reflecting its operational consistency and financial stability. The company's commitment to returning value to shareholders through dividends highlights its strong performance in the insurance sector. This reliability in dividend payments is indicative of ERIE's effective management and sustainable business model, which positions it favorably in the market. The consistent dividend payments suggest moderate influence on investor sentiment and financial performance, but do not indicate a transformative change in the company's trajectory.

25 Jan

4 StockStory, 11:33 PM
Erie Indemnity Company (ERIE) is highlighted as a strong long-term investment option within the S&P 500, emphasizing its solid business model and consistent performance. The article contrasts ERIE with two other stocks that are deemed less favorable for investment, suggesting that ERIE's stability and growth potential make it a preferable choice for long-term investors. Erie Indemnity's strong business model and consistent performance indicate significant potential for future growth and investor interest.

21 Jan

4 www.barchart.com, 10:42 AM
Erie Indemnity Company is set to report its Q4 2025 earnings, with analysts anticipating insights into the company's financial performance and strategic direction. Key metrics such as revenue growth, claims ratios, and operational efficiency will be closely monitored. Market expectations are high, and any deviations from forecasts could influence investor sentiment significantly. The earnings report is expected to provide clarity on the company's competitive positioning and future outlook in the insurance sector. The upcoming earnings report is likely to significantly impact investor sentiment and the company's strategic direction.

3 Simply Wall St., 10:14 AM
Erie Indemnity Company (ERIE) has experienced a decline in shareholder returns over the past year, prompting a reevaluation of its valuation. Analysts are assessing the company's financial performance and market position in light of recent trends. The cooling of returns raises questions about future growth and investor sentiment, as the company navigates a competitive landscape and potential market shifts. The decline in shareholder returns indicates a moderately noticeable influence on the company's financial performance and market positioning.

18 Jan

3 StockStory, 11:36 PM
Erie Indemnity Company (ERIE) is highlighted as one of two oversold stocks poised for a rebound, alongside another company. The article suggests that ERIE's current valuation may not reflect its underlying fundamentals, indicating potential for recovery. In contrast, another company mentioned is facing challenges that could hinder its performance. The overall sentiment is cautiously optimistic for ERIE, with analysts noting its strong market position and financial stability as factors that could drive a rebound. ERIE's potential for recovery is supported by its strong fundamentals, but broader market conditions may limit the overall impact.

15 Jan

4 StockStory, 11:32 PM
Erie Indemnity Company (ERIE) is highlighted as a stable investment option due to its consistent performance and strong fundamentals. The company has shown resilience in a challenging market, making it a safe choice for investors seeking steady returns. In contrast, two other stocks mentioned are deemed underwhelming, lacking the same level of reliability and growth potential. Overall, ERIE stands out as a solid pick amidst market fluctuations. Erie Indemnity's strong fundamentals and consistent performance are likely to significantly influence its future market trajectory.

19 Dec

4 247wallst.com, 7:46 AM
Erie Indemnity Company (ERIE) showcases a strong balance sheet and a low payout ratio, making it an attractive option for income investors. The company's financial stability is underscored by its consistent performance and prudent management practices. With a focus on maintaining a solid capital position, ERIE is well-positioned to weather economic fluctuations and continue delivering value to shareholders. The low payout ratio indicates that the company retains a significant portion of its earnings for growth and investment, further enhancing its appeal to investors seeking reliable income streams. The strong balance sheet and low payout ratio indicate significant financial stability and potential for future growth, likely influencing investor sentiment positively.

16 Dec

3 Simply Wall St., 5:37 AM
Erie Indemnity Company (NASDAQ:ERIE) announced an increase in its dividend payout to $1.46, surpassing last year's amount. This decision reflects the company's strong financial performance and commitment to returning value to shareholders. The dividend increase is expected to enhance investor confidence and attract potential investors looking for reliable income-generating stocks. The dividend increase indicates solid financial health, which may positively influence investor sentiment and financial performance.
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