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Erie Indemnity Company ERIE SPX

Financial Services · Insurance Brokers · United States
https://www.erieinsurance.com
Company Profile ↓
$238.47
-29.79% 1Y
Mkt Cap$11.01B
P/E21.84
P/B5.04
Div. Yield2.58%
52W High$361.31
52W Low$206.06
Book Value$45.01
EPS (TTM)$10.92

Company Overview

Erie Indemnity Company operates as a managing attorney-in-fact for the subscribers at the Erie Insurance Exchange in the United States. It provides issuance and renewal services; sales related services, including agent compensation and sales and advertising support services; underwriting services that include underwriting and policy processing; and other services consist of customer services and administrative support services, as well as information technology services. The company was incorporated in 1925 and is based in Erie, Pennsylvania.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 25.9%, reflecting efficient use of shareholder capital.

Healthy Capital Returns

Return on capital employed stands at 29.8%.

Consistent Profit Growth

Net profit has compounded at 13.1% per year over the last five years.

Healthy Margins

Operating margin of 16.9% supports profitability.

Dividend Income

Offers a dividend yield of 2.58%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $4.07B (+7.2% YoY); net profit $559.34M.
  • Trailing 12 Months Year-on-year growth — revenue +2.3%, earnings +8.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.5%, profit CAGR 13.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.55%
1 Year:2.30%

Compounded Profit Growth

5 Years:13.10%
1 Year:8.70%

Stock Price Performance

1 Year:-29.79%
6 Months:-14.01%
3 Months:-8.21%
1 Month:+6.12%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 21% of range
$206.06 $361.31
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMABelow
  • RSI (14)51.13 · Neutral
Price Performance
1M+6.12%
3M-8.21%
6M-14.01%
1Y-29.79%
Valuation vs Sector

P/E of 21.84 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 25.9%.
  • Healthy ROCE of 29.8%.
  • Profit CAGR of 13.1% over 5 years.
  • Attractive dividend yield of 2.58%.
  • Generates positive free cash flow.

CONS

  • Trading 34.0% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
21.84
Industry PE
13.30
Forward P/E
17.02
PEG Ratio
2.67
Book Value
$45.01
Price to Book
5.04
P/S
2.90
EV/EBITDA
14.05
Dividend Yield
2.58%

Growth (CAGR)

Revenue 5Y
2.55%
Profit 5Y
13.10%
Revenue (YoY)
2.30%
Earnings (YoY)
8.70%

Profitability & Returns

ROCE
29.76%
ROE
25.85%
ROA
14.84%
Profit Margin
13.97%
Op Margin
16.88%
Gross Margin
17.91%
EPS (Latest Qtr)
$-
EPS (TTM)
$10.92

Balance Sheet & Liquidity

Debt/Equity
2.11
Quick Ratio
1.16
Current Ratio
1.29
Debt
$49.62M
Total Assets
$3.38B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
45.46%
Chg in Prom Hold
-
FII / Inst Holding
44.41%
Chg in FII Hold
-0.09%

Financial Snapshot

Enterprise Value
$11.01B
Total Revenue (TTM)
$4.09B
EBITDA
$826.96M
Free Cash Flow
$447.47M
Operating Cash Flow
$660.43M
Shares Outstanding
46.19M
Gross Margin
17.91%
Payout Ratio
51.79%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ERIE Erie Indemnity Company SPX 238.47 21.84 $11.01B 2.58% 29.76% 25.85% 2.55% 13.10%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ---------399.32M448.56M442.49M401.40M572.16M621.46M612.13M576.47M594.11M647.71M638.74M596.74M616.74M657.02M653.48M630.18M680.03M687.84M672.11M726.14M741.24M752.47M839.87M858.94M880.70M990.44M999.89M989.40M1.06B1.07B1.01B
Operating Income -52.43M69.98M68.29M-67.67M85.76M82.25M-66.94M83.45M81.24M-77.57M95.32M96.69M-86.12M96.61M105.91M-85.69M91.19M96.22M76.09M85.06M95.10M84.31M104.00M106.47M110.54M134.16M148.47M138.81M190.21M180.12M151.38M199.17M208.92M166.79M
Net Income 25.30M38.83M56.15M49.56M30.13M45.90M61.31M57.38M45.79M47.88M58.53M58.54M32.05M65.76M79.71M80.45M62.31M75.31M87.75M94.17M59.59M59.33M81.98M89.22M73.57M79.03M90.22M68.62M80.15M84.31M86.24M117.85M131.04M124.55M163.90M159.83M138.42M174.69M182.85M150.47M

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 2.65B4.25B4.89B4.82B5.51B1.30B1.41B1.51B1.60B1.69B2.38B2.48B2.54B2.63B2.84B3.27B3.80B4.07B
Operating Income -----209.34M222.85M232.54M293.52M290.25M344.34M357.34M338.16M318.10M376.21M520.26M676.46M717.18M
Net Income 69.00M108.00M162.00M169.00M160.00M162.61M167.50M174.68M210.37M197.00M288.22M316.82M293.30M297.86M298.57M446.06M600.31M559.34M

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --13.29B14.34B14.35B15.44B16.68B1.32B1.41B1.55B1.67B1.78B2.02B2.12B2.24B2.24B2.47B2.89B3.36B
Total Equity -4.76B5.72B912.00M781.00M641.87M733.98M703.13M769.50M816.91M857.34M973.67M1.13B1.19B1.34B1.45B1.66B1.99B2.28B
Cash & Equivalents 123.00M277.00M234.00M430.00M185.00M11.61M49.05M91.75M182.89M189.07M215.72M266.42M-------
Long Term Debt ---------24.77M74.73M97.86M95.84M93.83M91.73M0---
Total Liabilities --7.56B8.01B8.05B8.65B9.13B616.06M637.79M732.04M808.51M804.65M882.99M929.07M899.58M791.05M809.13M901.36M1.07B
Current Liabilities -------400.15M445.70M469.60M509.91M547.07M587.71M627.67M630.86M665.11M708.98M802.51M945.59M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 720.00M889.00M721.00M----217.38M254.34M197.13M263.58M364.53M342.60M402.79M366.15M381.20M611.25M686.66M
Investing Cash Flow -425.00M-890.00M-405.00M----622.00K-136.94M-74.66M-81.40M-124.63M-243.22M-185.49M-106.92M-157.56M-226.91M-439.33M
Financing Cash Flow -141.00M-42.00M-120.00M-----126.86M-111.21M-95.81M-131.49M-169.57M-274.87M-194.84M-300.84M-221.68M-230.00M-199.85M
Share Buybacks 102.00M3.00M57.00M155.00M70.00M31.72M19.69M00---------

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % -----16.1%15.8%15.4%18.4%17.2%14.5%14.4%13.3%12.1%13.2%15.9%17.8%17.6%
Net Margin % 2.6%2.5%3.3%3.5%2.9%12.5%11.9%11.6%13.2%11.6%12.1%12.8%11.6%11.3%10.5%13.6%15.8%13.8%
ROE % 1.4%1.9%17.8%21.6%24.9%22.2%23.8%22.7%25.8%23.0%29.6%28.0%24.7%22.2%20.6%26.8%30.2%24.5%
ROCE % ------24.2%24.2%27.2%25.1%28.0%25.0%22.7%19.7%23.9%29.5%32.4%29.8%

Shareholding Pattern

Insiders
45.46%
Institutions
44.41%
Public Float
81.42%

Top Institutional Holders

#Holder% HeldSharesValue
1 PNC Financial Services Group, Inc. 10.63% 4.91M $1.25B
2 Vanguard Capital Management LLC 3.53% 1.63M $415.60M
3 Blackrock Inc. 3.42% 1.58M $402.98M
4 State Street Corporation 2.99% 1.38M $352.48M
5 Vanguard Portfolio Management LLC 2.39% 1.11M $281.85M
6 Invesco Ltd. 2.16% 996.55K $253.98M
7 Geode Capital Management, LLC 1.87% 862.02K $219.70M
8 Charles Schwab Investment Management, Inc. 1.65% 763.99K $194.71M
9 ProShare Advisors, LLC 1.29% 597.97K $152.40M
10 Bank of America Corporation 1.04% 479.78K $122.28M

Analyst View

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Latest News

Recent headlines for ERIE

Google News ue, 14 Jul 2026

Erie Indemnity Co (ERIE) Stock Down 3.5% -- Now Undervalued? GF Score: 67/100 - GuruFocus

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Google News Mon, 13 Jul 2026

Erie Indemnity Co. Cl A stock underperforms Monday when compared to competitors - MarketWatch

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Google News Mon, 13 Jul 2026

Cash-strapped buyers are rushing to hidden Pennsylvania lake city as an alternative to the coast - New York Post

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Google News Mon, 18 May 2026

Erie Indemnity Stock Outlook: Is Wall Street Bullish or Bearish? - Yahoo Finance

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Google News ue, 05 May 2026

9-Day Sell-Off Sends Erie Indemnity Stock Down -17% - Trefis

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Google News Wed, 29 Apr 2026

Erie Indemnity: Quality Remains, But Growth Is Slowing - Seeking Alpha

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ERIE — Frequently Asked Questions

What is the current share price of Erie Indemnity Company (ERIE)?

As of 2026-07-14 21:23 PDT, Erie Indemnity Company (ERIE) trades at $238.47 on NasdaqGS. Its 52-week range is $206.06 to $361.31.

What is the market capitalisation of ERIE?

Erie Indemnity Company (ERIE) has a market capitalisation of $11.01B on NasdaqGS.

What is the P/E ratio of ERIE?

ERIE trades at a trailing price-to-earnings (P/E) ratio of 21.84. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 5.04.

Does ERIE pay a dividend?

Erie Indemnity Company (ERIE) currently offers a dividend yield of 2.58%.

What is the return on equity (ROE) of ERIE?

ERIE has a return on equity (ROE) of 25.85%. Its return on capital employed (ROCE) is 29.76%.

Is ERIE a good stock to buy?

This page provides a data-driven analysis of Erie Indemnity Company (ERIE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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