Stock · ERIE · Financial Services
United States · Large Cap · listed since 1995 · Revenue 12 mo. $4.1B
Price as of 11/06/2026
Erie Indemnity Company operates as a managing attorney-in-fact for the subscribers at the Erie Insurance Exchange in the United States.
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.
Original text from the data provider
Summary
51.7 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
If free cash flow stays at €512.4M (2025), it supports €5.7B. The remaining €6.5B of the market value assume it grows 10.7% a year for 10 years and not at all afterwards.
Required FCF growth per year
10.7%
no growth afterwards
Price to operating cash flow 20.5×, below its usual range.
Middle half of 20 quarters: 25.1× to 43.7×, median 30.1×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
with respect to the priced-in expectation
No anomaly in the stored figures.
Since the last quarter
Q1 → Q2 2026
8 more unchanged: Revenue, 12 mo., FCF, 12 mo., Gross margin, EBIT margin, FCF margin, Net debt, Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 24.50% | 12.46% | Rank 88 |
| Return on capital (Greenblatt) | 91.31% | 59.04% | Rank 58 |
| EBIT margin | 17.69% | 23.06% | Rank 35 |
| FCF margin | 14.04% | 19.82% | Rank 35 |
| Gross margin | 15.76% | 65.53% | Rank 2 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 7.17% | 7.39% | Rank 50 |
| Earnings growth, 3 years per year | 17.98% | 15.20% | Rank 58 |
| Earnings growth, 5 years per year | 13.78% | 15.17% | Rank 44 |
| Sustainable growth (ROE × retained earnings) | 2.84% | 1.25% | Rank 74 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 3.89% | 6.47% | Rank 19 |
| FCF yield | 4.19% | 7.16% | Rank 31 |
| EV/saleslower is better | 3.27 | 2.82 | Rank 47 |
| EV/EBITlower is better | 18.50 | 14.24 | Rank 36 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −12.63% | 7.80% | Rank 15 |
| Share price, 6 months | 26.96% | 8.71% | Rank 93 |
| Share price, 3 months | 13.24% | 0.45% | Rank 87 |
| Distance from 52-week high | −8.91% | −10.68% | Rank 57 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 9.99% | 1.23% | Rank 8 |
| Change in share countlower is better | 0.00% | −0.60% | Rank 39 |
| Dividend streak in years | 4 | 5 | Rank 48 |
| Price reaction to results, market-adjusted | 5.83% | 0.00% | Rank 95 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 68.05% | 9.21% | Rank 95 |
| Net debt/EBITDAlower is better | −0.40 | 0.12 | Rank 58 |
| Debt to equitylower is better | 0.00 | 0.90 | Rank 100 |
| Volatility, 1 yearlower is better | 38.12% | 25.95% | Rank 12 |
Ten years in figures
| Year | Revenue, $B | EBIT margin | FCF, $M | Shares | Net debt, $M |
|---|---|---|---|---|---|
| 2016 | 1.6 | 19.8% | 229.1 | 58.5M | −164.3 |
| 2017 | 1.7 | 18.5% | 168.2 | 58.4M | −141.0 |
| 2018 | 2.4 | 15.5% | 207.3 | 52.7M | −166.7 |
| 2019 | 2.5 | −8.5% | −102.0 | 58.4M | −217.0 |
| 2020 | 2.6 | −10.4% | −55.5 | 52.7M | −65.4 |
| 2021 | 2.7 | −10.6% | −148.8 | 46.2M | −89.9 |
| 2022 | 2.8 | 13.3% | 298.9 | 46.2M | −19.6 |
| 2023 | 3.3 | 15.9% | 288.6 | 52.7M | −144.1 |
| 2024 | 3.8 | 17.8% | 486.4 | 52.7M | −267.3 |
| 2025 | 4.1 | 17.7% | 571.0 | 52.7M | −315.7 |
3 of 7 StockScorer Score rules met · How the score is built
Erie Indemnity Company mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Erie Indemnity Company. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
3 of 7 rules met
4 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Erie Indemnity Company.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 25.7 | 15.2 |
| P/B ratio | 6.3 | 1.8 |
| Return on equity (ROE) | 24.5% | 12.5% |
| Equity ratio | 68.0% | 9.2% |
| Debt-to-equity (D/E) | 0.00 | 0.90 |
| Dividend yield | 2.1% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| ERIE | Erie Indemnity Companythis page | |
| RYAN | Ryan Specialty Group Holdings Inc | locked |
| BRO | Brown & Brown Inc | Low5.5 |
| WTW | Willis Towers Watson PLC | Low1.8 |
| AON | Aon PLC | locked |
| AJG | Arthur J Gallagher & Co | locked |
Signed up in 30 seconds, free.
Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
How StockScorer rates every stock is explained on the methodology page.