Stock Analysis
Erie Indemnity CoERIE
P/E 22.09×· 5Y range 18.97–54.49×· bottom 9% of history
Sector: Financial Services · Industry: Insurance Agents, Brokers & Service
AnalystsStrong Buy8 analystsP/E 22.1× sits at the 9th percentile of its 5.086926762491444-year history.
No reported debt · FY 2022.
PMP Verdict
Strong business, attractive price
Strengths
- Profitability90
- Quality82
High-quality business at an attractive price.
Market context
+2.1% today· Z 1.0σ
Bull Case
- ✓Altman Z 10.6 — safe-zone balance sheet
- ✓ROE 25.3% — efficient capital deployment
- ✓Revenue CAGR 11.5% — durable top-line growth
- ✓Interest coverage 187.3× — debt well covered
- ✓P/E 22.1× at bottom 9% of 5-year history
What's happening with ERIE
Profile
Strong profitability, earnings quality, growth and moat.
How is each axis scored?
- Valuation67/100 · Moderate
- P/E vs own history (9th pct)25/25
- FCF yield (4.3%)12/25
- P/S (3.1x)20/25
- EV/EBIT (n/a)10/25
- Growth80/100 · Strong
- Revenue CAGR (11.5%)20/25
- Net income CAGR (17.1%)20/25
- EPS CAGR 5Y (17.1%)20/25
- Fwd implied growth (19.9%)20/25
- Profitability90/100 · Strong
- ROIC (25.9%)25/25
- ROE (25.3%)25/25
- Net margin (14.0%)20/25
- Operating margin (17.9%)20/25
- Financial Health62/100 · Moderate
- Altman Z (10.59)25/25
- Current ratio (1.27)12/25
- Interest coverage (187.3x)25/25
- Net cash / debt (n/a)0/25
- Quality82/100 · Strong
- Piotroski F (4/9)10/25
- Beneish M (-2.59)25/25
- FCF conversion (96%)22/25
- Margin stability (σ 2.0%)25/25
- Moat75/100 · Strong
- ROIC >12% years (10/10 yrs)25/25
- Median gross margin (n/a)0/25
- FCF-positive years (8/8 yrs)25/25
- Worst-year net margin (worst 10.5%)25/25
About Erie Indemnity Co
Erie Indemnity Co mainly performs services on behalf of the Erie Insurance Exchange relating to sales, underwriting, and issuance of policies. Show more
Erie Indemnity's results are tied to the performance of the Insurance Exchange, which principally provides automobile and homeowners insurance for individuals, along with multiperil, workers' compensation, and commercial automobile insurance for its commercial clients. The company operates exclusively in the United States.
Headquarters: ERIE, PA · Employees: 6,667 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
67BP/E (TTM)22.1xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 19.0x–54.5x · 9th pct
P/FCF19.9xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield4.3%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 1.1%–5.0% · 92nd pct
P/S (TTM)3.09xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.7x–8.0x · 7th pct
EV/EBITDA14.6xB
Grade B: FairEnterprise value / EBITDA (Finnhub) — capital-structure neutral — vs own 5Y history: 14.8x–47.1x · 7th pct
EV/Sales2.6xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E18.4xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio5.58xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio—
Finnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.40%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio45.6%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
90A+ROIC25.9%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE25.3%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA16.9%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin14.0%A
Grade A: HighNet Income / Revenue
Operating Margin17.9%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin17.9%D
Grade D: LowGross Profit / Revenue
FCF Margin13.4%C
Grade C: AverageFCF / Revenue
True FCF Margin13.4%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
80ARevenue CAGR11.5%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR17.1%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)17.1%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth19.9%C
Grade C: MedAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-97.9%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
62BAltman Z-Score10.59A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.27xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.15xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage187.3xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.00xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
82APiotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.59A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion95.9%A
Grade A: StrongFCF / Net Income
Margin Stability2.0%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue3.5%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover1.21xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Cook Cody Filed | Cook Cody | BuyJ | +7 | |
Shine Sarah Filed | Shine Sarah | BuyJ | +7 | |
DaBreo Anthony Filed | DaBreo Anthony | BuyJ | +5 | |
Cook Cody Filed | Cook Cody | BuyJ | +4 | |
Shine Sarah Filed | Shine Sarah | BuyJ | +4 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
DaBreo Anthony Filed | DaBreo Anthony | BuyJ | +1 | |
Edwards William David Filed | Edwards William David | BuyJ | +65 | |
Cook Cody Filed | Cook Cody | BuyJ | +12 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
75B+ROIC >12% Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years8/8 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor10.5%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$11.03
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$5.87
Cash & short-term investments per share (Finnhub)
Book Value / Share$47.18
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$33.90M
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$2.28B
Shareholders' equity (book value)
Asset / Liability3.13xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$12.74B
Current Market Capitalization
Beta0.26B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Erie Indemnity Co (ERIE)
ERIE is up 2.10% at the last close. Piotroski F-Score of 4/9 indicates mixed fundamentals for Erie Indemnity Co. Altman Z-Score of 10.59 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk.
- Beneish M-Score of -2.59 suggests a low likelihood of earnings manipulation.
- Return on equity of 25.3% is well above the market average.
- The stock currently yields 2.4% in dividends.
See how ERIE ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all ERIE moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | After-hours | 238.69 | +3.73% | 2.05 |
| Oct 8 | Regular | 227.85 | +4.63% | 2.79 |
| Oct 8 | After-hours | 226.54 | +4.03% | 2.47 |
Frequently Asked Questions about ERIE
What is the current Erie Indemnity Co (ERIE) stock price?
ERIE is trading at $243.71 at the last market close, up 2.10% on the session. PreMarketPrice tracks ERIE pre-market, intraday and after-hours prices.
Is ERIE stock a buy right now?
PreMarketPrice's quantitative model rates Erie Indemnity Co's financial health at 62/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is ERIE stock overvalued?
Erie Indemnity Co trades at a trailing P/E of 22.1 and our valuation score rates it 67/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Erie Indemnity Co report earnings?
No confirmed earnings date is currently scheduled for ERIE. The Earnings section lists recent reports and updates as dates are announced.
What sector does Erie Indemnity Co operate in?
Erie Indemnity Co operates in the Financial Services sector, within the Insurance Agents, Brokers & Service industry. The Related Stocks section lists sector peers for comparison.
What does Erie Indemnity Co do?
Erie Indemnity Co mainly performs services on behalf of the Erie Insurance Exchange relating to sales, underwriting, and issuance of policies.
About Erie Indemnity Co (ERIE) Stock
Erie Indemnity Co (ERIE) is a US-listed stock operating in the Financial Services sector, specifically the Insurance Agents, Brokers & Service industry. As of the latest update, Erie Indemnity Co is trading at $243.71, up 2.10% on the day with a market capitalization of $12.7 billion. The financial health score for ERIE is 62/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for ERIE stock.
ERIE Stock Analysis & Key Metrics
On PreMarketPrice, you can track Erie Indemnity Co (ERIE) across multiple dimensions:
- Pre-market price & movement: Real-time ERIE stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for ERIE with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Erie Indemnity Co across multiple reporting periods.
- Financial health score: A composite score of 62/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for ERIE.
- Sector peers: Compare ERIE against 6 other financial services stocks on key financial metrics.
Is ERIE a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Erie Indemnity Co (ERIE) as an investment. The financial health score of 62/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Erie Indemnity Co (ERIE) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.