Erie Indemnity Co. (ERIE): price, analyst ratings, earnings and fundamentals
Updated 15 October 2026, 21:45 ET
Erie Indemnity Co. (ERIE) closed at $238.69 on 15 October 2026, up 3.7%. The stock is down 2.8% over one month and down 25.7% over one year. It trades 27.8% below its 52-week high of $330.54. The company last reported on 30 July 2026 for Q2 2026: EPS of $3.45 against an estimate of $3.35, a beat of 3.0%, on revenue of $1.1 billion.
Price and performance
Performance figures use dividend and split adjusted closes over trading sessions, so a one-year move compares the last close with the close 252 sessions earlier. The 52-week range uses the adjusted daily highs and lows of the same window. Read the guide: Momentum, trend and technical indicators.
The live chart with technical indicators is in the app: open ERIE in FundSpec.
Earnings
The next report is scheduled for 29 October 2026 after the close for Q3 2026, with EPS expected at $3.41 on revenue of $1.1 billion. Erie Indemnity Co. beat the EPS estimate in 4 of its last 8 reported quarters.
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue |
|---|---|---|---|---|---|
| Q2 2026 | 30 Jul 2026 | $3.35 | $3.45 | +2.99% | $1.1B |
| Q1 2026 | 23 Apr 2026 | $3.06 | $2.88 | -5.88% | $1.0B |
| Q4 2025 | 23 Feb 2026 | $1.59 | $1.21 | -23.90% | $951.0M |
| Q3 2025 | 30 Oct 2025 | $3.37 | $3.50 | +3.86% | $1.1B |
| Q2 2025 | 7 Aug 2025 | $3.55 | $3.34 | -5.92% | $1.1B |
| Q1 2025 | 24 Apr 2025 | $3.10 | $2.65 | -14.52% | $989.4M |
| Q4 2024 | 27 Feb 2025 | $2.76 | $2.91 | +5.43% | $924.1M |
| Q3 2024 | 31 Oct 2024 | $3.02 | $3.06 | +1.32% | $999.9M |
An earnings surprise is the reported EPS against the consensus estimate on the day. The price reaction depends as much on guidance and on what was already priced in as on the surprise itself. Read the guide: Earnings season: estimates, surprises and price reaction.
Estimates, confirmed dates and alerts for every company are in Earnings.
Fundamentals
For the period ended 30 June 2026, Erie Indemnity Co. reported revenue of $1.1 billion and net income of $180.3 million. On a trailing twelve month basis the company shows revenue growth of 3.67%, a gross margin of N.A., an operating margin of 17.90% and a return on equity of 24.81%.
Income statement
| Line | Amount |
|---|---|
| Revenue | $1,089,796,000 |
| Total Operating Expenses | $885,673,000 |
| Operating Profit | $204,123,000 |
| Pre-tax Income | $228,077,000 |
| Income Tax Expense | $47,783,000 |
| Net Income | $180,294,000 |
Cash flow
| Line | Amount |
|---|---|
| Cash from Operating Activities | $214,922,000 |
| Cash from Investing Activities | -$145,931,000 |
| Capital Expenditures | $41,519,000 |
| Cash from Financing Activities | -$54,705,000 |
| Dividends Paid | $68,109,000 |
| Free Cash Flow | $173,403,000 |
Assets
| Line | Amount |
|---|---|
| Cash & Cash Equivalents | $282,902,000 |
| Restricted Cash | $39,608,000 |
| Accounts & Notes Receivable, Net | $753,245,000 |
| Prepaid Expenses | $92,533,000 |
| Total Current Assets | $1,206,562,000 |
| Other Long-term Assets | $48,774,000 |
| Total Assets | $3,557,016,000 |
Liabilities and equity
| Line | Amount |
|---|---|
| Deferred Liability Charges | $48,457,000 |
| Total Current Liabilities | $968,418,000 |
| Long-term Deferred Liability Charges | $23,148,000 |
| Deferred Income Taxes | $19,085,000 |
| Other Liabilities | $23,538,000 |
| Total Liabilities | $1,089,910,000 |
| Retained Earnings | $3,657,373,000 |
| Treasury Stock | -$1,170,957,000 |
| Other Accumulated Comprehensive Income | -$62,847,000 |
| Total Stockholders Equity | $2,467,106,000 |
| Total Liability & Stockholders Equity | $3,557,016,000 |
Figures as filed with the SEC for the period ended 30 June 2026, in US dollars.
FundSpec fundamental metrics
Each metric is computed from the company's filings and ranked against every company FundSpec covers; the percentile is the share of covered companies with a lower value.
Liquidity
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Cash Ratio | 0.29 | 51st | Calculated as the ratio of Cash and cash equivalents / Current liabilities. This metric calculates the company's ability to repay its short-term debt |
| Current Ratio | 1.25 | 52nd | Calculated as the ratio of Current Assets / Current Liabilities. The higher the current ratio, the more capable the company is of paying its obligations |
| Quick Ratio | 1.07 | 60th | Calculated as the ratio of (Cash + Marketable Securities + Accounts Receivable) / Current Liabilities. The quick ratio is a measure of how well a company can meet its short-term financial liabilities. |
Leverage
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Debt/Assets | 0.00 | 17th | Calculated as the ratio of Short-Term Debt + Long-Term Debt / Total Assets. The higher the ratio, the higher the degree of leverage, and consequently, financial risk |
| Debt/Equity | 0.00 | 14th | Calculated as the ratio of Total Liabilities / Shareholders' Equity. The ratio indicates how much debt a company is using to finance its assets relative to the amount of value represented in shareholders’ equity |
| Degree of Operational Leverage | 1.54 | 66th | Calculated as the ratio of Percentage change in EBIT / Percentage change in revenue. It is a measure of how earnings for the company is impacted by its sales activity. |
Earnings Growth (EBIT)
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| EBIT Pct Growth | 5.7% | 40th | The EBIT growth rate over the trailing twelve months (TTM) |
| EBIT Pct Growth 3 year CAGR | 19.5% | 46th | The EBIT compound annual growth rate (CAGR) over the past 3 years |
Profitability
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Free Cashflow Margin Pct | 13.4% | 72nd | Calculated as the ratio of Free Cashflow from Operating Activities / Net Sales. It measures how much per dollar of revenue the company is able to convert into free cash flow. |
| Operating Margin Pct | 17.9% | 78th | Calculated as the ratio of (Revenue - (Cost of Goods Sold + Labour + Sales, General & Administrative)) / Revenue. Operating margins are important because they measure efficiency. The higher the operating margin, the more profitable a company's core business is. |
| Operating Profit Pct Growth | 5.7% | 49th | The Operating Profit growth rate over the trailing twelve months (TTM) |
| Operating Profit Pct Growth 3 year CAGR (FY) | 19.5% | 73rd | The Operating Profit compound annual growth rate (CAGR) over the past 3 years |
| Operating Profit Pct Growth 5 year CAGR (FY) | 18.0% | 79th | The Operating Profit compound annual growth rate (CAGR) over the past 5 years |
| PreTax Margin Pct | 17.8% | 75th | Calculated as the ratio of (Gross profit - (Operating Expense + Interest Expense)) / Revenue. The pretax profit margin enables profitability to be compared across companies with significant differences in size, scale, capital structure and tax rates. |
| Return on Assets Pct | 17.3% | 95th | Calculated as the ratio of Net Income / Total Assets. It is an indicator of how efficient the company is at using its assets to generate earnings. |
| Return on Equity Pct | 24.8% | 89th | Calculated as the ratio of Net Income / Shareholders' equity. It is a measure of how much profit a company generates with the money shareholders have invested. |
| Return on Invested Capital Pct | 24.9% | 93rd | Calculated as the ratio of (Net Income - Dividends) / (Debt + Equity). It is a measure of how efficient the company is at allocating the capital under its control to profitable investments. |
Cashflow
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| FCF Pct Growth | -1.9% | 42nd | The Free Cash Flow growth rate over the trailing twelve months (TTM) |
| FCF Pct Growth 3 year CAGR | 55.5% | 65th | The Free Cash Flow compound annual growth rate (CAGR) over the past 3 years |
| FCF Pct Growth 5 year CAGR | 86.4% | 66th | The Free Cash Flow compound annual growth rate (CAGR) over the past 5 years |
| FCF Return on Assets Pct | 16.5% | 94th | Calculated as the ratio of Cashflow from Operations / Total Assets. A high cash return on assets means a company is generating more cash flow from every asset dollar |
| Operating Cashflow Pct Growth | 1.4% | 45th | The Operating Cashflow growth rate over the trailing twelve months (TTM) |
| Operating Cashflow Pct Growth 3 year CAGR (FY) | 16.6% | 69th | The Operating Cashflow compound annual growth rate (CAGR) over the past 3 years |
| Operating Cashflow Pct Growth 5 year CAGR (FY) | 15.3% | 76th | The Operating Cashflow compound annual growth rate (CAGR) over the past 5 years |
Earnings Growth (Net Income)
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Net Income Pct Growth | -7.7% | 37th | The Net Income growth rate over the trailing twelve months (TTM) |
| Net Income Pct Growth 3 year CAGR | 17.7% | 72nd | The Net Income compound annual growth rate (CAGR) over the past 3 years |
| Net Income Pct Growth 5 year CAGR | 13.6% | 71st | The Net Income compound annual growth rate (CAGR) over the past 5 years |
Top Line Growth
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Revenue Pct Growth | 3.7% | 43rd | The Revenue (Sales) growth rate over the trailing twelve months (TTM) |
| Revenue Pct Growth 3 year CAGR | 10.7% | 67th | The Revenue (Sales) compound annual growth rate (CAGR) over the past 3 years |
| Revenue Pct Growth 5 year CAGR | 9.9% | 60th | The Revenue (Sales) compound annual growth rate (CAGR) over the past 5 years |
Taxes
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Effective Tax Rate Pct | 21.3% | 71st | The effective tax rate of the company over the trailing twelve months (TTM). |
Margins and returns say how much of each dollar of sales becomes profit and how hard the balance sheet is working; leverage and liquidity say how much room the company has when conditions turn. Read the guide: A practical guide to discounted cash flow valuation.
Fair value, peer multiples and the full statement history are in the app: open ERIE in FundSpec.
Insider activity
In the last 90 days insiders filed 42 transactions: 2 acquisitions covering 165 shares. Acquisitions include awards and option exercises as well as open market purchases. The largest by value was a disposal of 140 shares by J Ralph Jr Borneman, Director on 21 July 2026, worth about $30,245 at the transaction price.
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 30 Sep 2026 | Cody Cook | Executive Vice President | J | 7 | $219.15 | $2K |
| 30 Sep 2026 | Sarah Shine | Executive Vice President | J | 7 | $219.15 | $1K |
| 30 Sep 2026 | Anthony Dabreo | Senior Vice President, Life | J | 5 | $219.15 | $1K |
| 31 Aug 2026 | Cody Cook | Executive Vice President | J | 4 | $255.56 | $1K |
| 31 Aug 2026 | Sarah Shine | Executive Vice President | J | 4 | $255.56 | $1K |
| 31 Aug 2026 | Anthony Dabreo | Senior Vice President, Life | J | 1 | $255.56 | $199 |
| 31 Jul 2026 | Jonathan Hirt Hagen | Director | J | 65 | $242.04 | $16K |
| 31 Jul 2026 | J Ralph Jr Borneman | Director | J | 65 | $242.04 | $16K |
| 31 Jul 2026 | Thomas B Hagen | Director | J | 65 | $242.04 | $16K |
| 31 Jul 2026 | Charles Scott Hartz | Director | J | 65 | $242.04 | $16K |
| 31 Jul 2026 | Brian Arden Sr. Hudson | Director | J | 65 | $242.04 | $16K |
| 31 Jul 2026 | Thomas W Palmer | Director | J | 65 | $242.04 | $16K |
| 31 Jul 2026 | Salvatore Correnti | Director | J | 65 | $242.04 | $16K |
| 31 Jul 2026 | Eugene C Connell | Director | J | 65 | $242.04 | $16K |
| 31 Jul 2026 | William David Edwards | Director | J | 65 | $242.04 | $16K |
Insider filings record what officers and directors did with their own shares. Disposals are often planned sales or tax related, so a pattern across several insiders says more than one filing.
SEC filings
The latest filing is a 10-Q from 30 July 2026.
| Filed | Form | Document |
|---|---|---|
| 30 Jul 2026 | 10-Q | View on sec.gov |
| 23 Apr 2026 | 10-Q | View on sec.gov |
| 23 Feb 2026 | 10-K | View on sec.gov |
| 30 Oct 2025 | 10-Q | View on sec.gov |
| 7 Aug 2025 | 10-Q | View on sec.gov |
| 24 Apr 2025 | 10-Q | View on sec.gov |
| 27 Feb 2025 | 10-K | View on sec.gov |
| 31 Oct 2024 | 10-Q | View on sec.gov |
| 25 Jul 2024 | 10-Q | View on sec.gov |
| 25 Apr 2024 | 10-Q | View on sec.gov |
Company profile
- Exchange
- Nasdaq
- Sector
- Insurance Agents and Brokers
- Industry
- Insurance
- Headquarters
- ERIE, Pennsylvania
- Chief executive
- Timothy G. NeCastro
- Employees
- 6,040
- Website
- erieinsurance.com
- SEC CIK
- 0000922621
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.
Sector and peers
Erie Indemnity Co. is part of the Insurance Agents and Brokers sector, which FundSpec tracks across 15 companies.
Companies in the same industry by market capitalization:
AJG Arthur J. Gallagher & Co.AON Aon plcWTW Willis Towers Watson PLCBRO Brown & Brown, Inc.
Put two of them side by side in Compare.
In FundSpec: the fair value estimate, the momentum reading, relative valuation against sector and industry peers, unusual options activity and AI model signals for ERIE are available to subscribers, with the same screen in the iOS and Android apps.
Open ERIE in FundSpec