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ERIE stock logo

ERIE

Erie Indemnity Company

$249.51
2.52
 (1.02%)
Exchange:  NASDAQ
Market Cap:  11.525B
Shares Outstanding:  226.5M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Brokers
   
CEO:  Timothy Gerard NeCastro
Full Time Employees:  6715
Address: 
100 Erie Insurance Place
Erie
PA
16530-0001
US
Website:  https://www.erieinsurance.com
Erie Indemnity Company operates as a managing attorney-in-fact for the subscribers at the Erie Insurance Exchange in the United States. The company provides sales, underwriting, policy issuance, and renewal services for the policyholders on behalf of the Erie Insurance Exchange. It also offers sales related services, including agent compensation, and sales and advertising support services; and underwriting services comprise underwriting and policy processing; and other services consist of customer services and administrative support services, as well as information technology services. Erie Indemnity Company was incorporated in 1925 and is based in Erie, Pennsylvania.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/03/04 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue3,268,9403,795,1154,067,258
Gross Profit520,256676,455640,800
EBITDA600,232766,338787,386
Operating Income520,256676,455719,520
Net Income446,061600,314559,335

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,471,9642,888,6143,355,481
Total Liabilities809,129901,3561,072,107
Total Stockholders Equity1,662,8351,987,2582,283,374
Total Debt112,2557,5130
Cash and Cash Equivalents131,513274,838345,874

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow381,205611,249686,657
Capital Expenditure-92,647-124,845-115,692
Free Cash Flow288,558486,404570,965
Net Income446,061600,314559,335
Net Change in Cash1,965154,34247,477

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2026Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)4,259,800Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)4,259,800Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)4,259,800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)1,161,099.946Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)1,161,099.946Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)1,161,099.946Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)711,797.654Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)711,797.654Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)711,797.654Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)438,465.873Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)438,465.873Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)438,465.873Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)13.510Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)13.510Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)13.510Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
3.795B  ?P/S
 (TTM)
: 
2.63
?Net Income
 (TTM)
: 
600.314M  ?P/E
 (TTM)
: 
20.38
?Enterprise Value
 (TTM)
: 
10.962B  ?EV/FCF
 (TTM)
: 
19.2
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.45
?ROE
 (TTM)
: 
0.25  ?ROIC
 (TTM)
: 
0.23
?Net Debt
 (TTM)
: 
-343001000  ?Debt/Equity
 (TTM)
: 
0
?P/B
 (TTM)
: 
4.99  ?Current Ratio
 (TTM)
: 
1.27

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
18.47Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Robust Financial Performance: Erie Indemnity Company reported strong net income growth in the Q2 2025 earnings call, reflecting solid operational efficiency. Key metrics such as revenue and net income show consistent growth in recent income statements, supported by positive free cash flow trends as indicated in cash flow statements.
  • Strong Profitability Metrics: The company exhibits impressive gross profit margin and net profit margin (TTM), indicating effective cost management and profitability compared to industry peers. Return on equity (ROE) and return on invested capital (ROIC) from key metrics further highlight efficient use of capital.
  • Stable Balance Sheet: Balance sheet data reveals a healthy level of cash and cash equivalents alongside a manageable debt-to-equity ratio (TTM), providing financial flexibility and resilience against market volatility.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates ERIE intrinsic value between $136.83 – $375.50 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate ERIE Intrinsic Value

Common questions about ERIE valuation

Is Erie Indemnity Company (ERIE) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Erie Indemnity Company (ERIE) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is ERIE a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ERIE trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is ERIE’s P/E ratio?

You can see ERIE’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for ERIE?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is ERIE a good long-term investment?

Whether ERIE fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

ERIE

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.02
MARKETSnap

Trading Metrics:

Open: 247.68   Previous Close: 246.99
Day Low: 245.5   Day High: 251.05
Year Low: 233.82   Year High: 434
Price Avg 50: 263.97   Price Avg 200: 306.04
Volume: 122172   Average Volume: 233762

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ERIE full analysis

31/10/2025

Welcome to MARKETSNAP’s SWOT analysis for Erie Indemnity Company, also known by its ticker ERIE. If you’re not familiar with this player, let me give you the quick rundown. Erie Indemnity Company operates in the insurance industry, specifically within the property and casualty sector, and they’re a key player in managing policies and providing services for Erie Insurance Exchange. Based in the U.S., they’ve got a solid footprint with thousands of employees and a focus on customer-centric insurance solutions. Today,…

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Relevant news

Erie Indemnity Reports Full Year and Fourth Quarter 2025 Results
23-02-2026 16:15
Erie Indemnity Reports Full Year and Fourth Quarter 2025 Results

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