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Company Analysis

Erie Indemnity Company ERIE

A comprehensive view of key metrics, scores, and financial health for Erie Indemnity Company

Overview of Erie Indemnity Company

ERIE NMS
Financial Services Insurance Brokers Large Cap
Erie Indemnity Company (ERIE), is a Large Cap company, in the Insurance Brokers industry, last closed at $229.94, about 80.1% overvalued vs fair value, -35.9% 1Y return, placing in the top 10% of its sector.
Metrics Div Yield 1.92%
$229.94
-0.55%
As of April 28, 2026
Previous close • Vol 90d: 32.8%
Market Cap
$10.62B
Enterprise Value
$9.97B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 84%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.erieinsurance.com
HQ Erie, PA
Employees 6,667
Fiscal year Dec 31

Next Events

Dividend Apr 21 Ex-div: Apr 7
Earnings Apr 23

Fair Value Snapshot

Bear Base Bull
$25
$46
$86
Current: $229.94 -80% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$3.9B
16.7%%
Acquisition & Admin Expenses
$-806.3M
Underwriting Result
$757.3M
34.8%%
Net Income
$600.3M
34.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Expense Ratio
20.9%
Excellent

Admin & Acquistion Expenses / Revenue — operational efficiency; lower is better

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$254.3M
42.4% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
Analysis based on partial data. Some metrics unavailable for complete assessment.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Erie Indemnity Company's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
75
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
69
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing ERIE's balance between Growth (32.1%), Profitability (42.2%), and Safety (25.6%). Growth 32% Safety 26% Profitability 42%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

62th percentile vs peers
63
Key Signals
Rev Growth YoY 16.7% 71p Revenue CAGR 3Y 13.1% 52p Equity Growth YoY 19.5% 61p EPS Growth YoY 34.6% 52p Asset Growth YoY 16.9% 85p
Strengths
  • ROE in top 20% of peers (32.9%, 85th percentile)
  • ROA in top 20% of peers (22.4%, 95th percentile)
  • Equity/Assets in top 20% of peers (68.8%, 90th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

82th percentile vs peers
82
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Erie Indemnity Company.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$45.69
- - -
-80.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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