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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 Framework: Insurance & Reinsurance Large Cap
Erie Indemnity Company (ERIE), is a Large Cap company, in the Insurance Brokers industry, last closed at $226.67, about 79.8% overvalued vs fair value, -36.7% 1Y return, placing in the top 10% of its sector.
Metrics Div Yield 1.92%
USD 226.67
0.29%
(Delayed)
• Vol 90d: 36.6%
52-Week Range
Market Cap
$10.72B
Enterprise Value
$10.06B
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 Jul 21 Ex-div: Jul 7
Earnings Aug 6

Fair Value Snapshot

Bear Base Bull
$25
$46
$86
Current: $226.67 -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

$237.5M
39.6% 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
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Strong
78
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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 (35.2%), Profitability (41.3%), and Safety (23.6%). Growth 35% Safety 24% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

72th percentile vs peers
72
Key Signals
Rev Growth YoY 16.7% 76p Revenue CAGR 3Y 13.1% 65p Equity Growth YoY 19.5% 78p EPS Growth YoY 34.6% 57p Asset Growth YoY 16.9% 89p
Strengths
  • ROE in top 20% of peers (32.9%, 92th percentile)
  • ROA in top 20% of peers (22.4%, 99th percentile)
  • Equity/Assets in top 20% of peers (68.8%, 91th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

84th percentile vs peers
85
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
48
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
- - -
-79.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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