Skip to content
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 Framework: Insurance & Reinsurance Large Cap
Erie Indemnity Company (ERIE), is a Large Cap company, in the Insurance Brokers industry, last closed at $273.93, about 82.2% overvalued vs fair value, -2.7% 1Y return, placing in the top 10% of its sector.
Metrics P/E 26.8× Rev Growth 7.4% ROE 26.2% Div Yield 1.92%
USD 273.93
4.80%
(Delayed)
• Vol 90d: 45.4%
52-Week Range
Market Cap
$12.07B
Enterprise Value
$11.94B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Good
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Good
Health
Good
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Oct 31
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

Earnings Call Oct 30

Fair Value Snapshot

Bear Base Bull
$27
$49
$91
Current: $273.93 -82% vs base

Engine Room Money Flow™

Large Cap

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

Flow Steps
Total Revenue
$4.1B
7.4%%
Acquisition & Admin Expenses
$836.6M
Underwriting Result
$757.3M
34.8%%
Net Income
$559.3M
-6.8%%
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
20.2%
Excellent

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

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$254.3M
45.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
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
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Superior Returns on Float Float investment returns are strong (signal score 0.88), with ROA at 17.92% vs peers — investment income amplifies underwriting profit.
  • Strong Return on Equity ROE signal is strong (score 0.85), with ROE at 26.2% — indicating efficient capital deployment.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Underwriting Discipline

Moderate
67
Premium

Signals, strengths and risks for Underwriting Discipline

Premium

Signals, strengths and risks for Float Investment Quality

Premium

Signals, strengths and risks for Pricing Power

Premium

Signals, strengths and risks for Capital Strength & Solvency

Premium

Signals, strengths and risks for Operational Efficiency

Premium

Signals, strengths and risks for Scale & Diversification

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 (23.3%), Profitability (35.6%), and Safety (41.1%). Growth 23% Safety 41% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

52th percentile vs peers
52
Key Signals
Rev Growth YoY 7.4% 49p Revenue CAGR 3Y 13.3% 62p Equity Growth YoY 14.9% 53p EPS Growth YoY -6.8% 29p Asset Growth YoY 16.2% 85p
Strengths
  • ROE in top 20% of peers (26.2%, 88th percentile)
  • ROA in top 20% of peers (17.9%, 98th percentile)
  • Equity/Assets in top 20% of peers (68.0%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

80th percentile vs peers
80
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

92th percentile vs peers
93
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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$48.83
- - -
-82.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000