(ERIE) Erie Indemnity - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US29530P1021
Stock: Insurance, Policies, Underwriting, Agents
Total Rating 36
Risk 87
Buy Signal -1.22
| Risk 5d forecast | |
|---|---|
| Volatility | 33.0% |
| Relative Tail Risk | -1.79% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.79 |
| Alpha | -51.19 |
| Character TTM | |
|---|---|
| Beta | 0.104 |
| Beta Downside | -0.268 |
| Drawdowns 3y | |
|---|---|
| Max DD | 54.43% |
| CAGR/Max DD | 0.07 |
EPS (Earnings per Share)
Revenue
Description: ERIE Erie Indemnity March 05, 2026
Erie Indemnity Company (ERIE) operates as a managing attorney-in-fact for the Erie Insurance Exchange. This business model involves providing essential services for the insurance exchange rather than underwriting policies directly. Services include policy issuance, renewals, sales support, underwriting, customer service, and IT.
The company operates within the Property & Casualty Insurance sub-industry, a sector characterized by complex regulatory environments and a focus on risk management. Further research on ValueRay can provide detailed financial metrics and competitive analysis.
Headlines to watch out for
- Erie Insurance Exchange policy growth drives revenue
- Investment income fluctuations impact profitability
- Regulatory changes affect insurance premium rates
- Catastrophic weather events increase claims costs
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 559.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.17 > 0.02 and ΔFCF/TA 0.18 > 1.0 |
| NWC/Revenue: 5.89% < 20% (prev 9.03%; Δ -3.13% < -1%) |
| CFO/TA 0.20 > 3% & CFO 686.7m > Net Income 559.3m |
| Net Debt (-345.9m) to EBITDA (720.7m): -0.48 < 3 |
| Current Ratio: 1.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (52.7m) vs 12m ago 0.72% < -2% |
| Gross Margin: 21.73% > 18% (prev 0.18%; Δ 2.16k% > 0.5%) |
| Asset Turnover: 137.9% > 50% (prev 131.4%; Δ 6.50% > 0%) |
| Interest Coverage Ratio: -11.75 > 6 (EBITDA TTM 720.7m / Interest Expense TTM -55.7m) |
Altman Z'' 8.64
| A: 0.08 (Total Current Assets 1.20b - Total Current Liabilities 945.6m) / Total Assets 3.36b |
| B: 1.03 (Retained Earnings 3.46b / Total Assets 3.36b) |
| C: 0.21 (EBIT TTM 654.9m / Avg Total Assets 3.12b) |
| D: 3.21 (Book Value of Equity 3.44b / Total Liabilities 1.07b) |
| Altman-Z'' Score: 8.64 = AAA |
Beneish M -3.15
| DSRI: 0.90 (Receivables 735.6m/718.1m, Revenue 4.30b/3.80b) |
| GMI: 0.82 (GM 21.73% / 17.82%) |
| AQI: 1.11 (AQ_t 0.47 / AQ_t-1 0.43) |
| SGI: 1.13 (Revenue 4.30b / 3.80b) |
| TATA: -0.04 (NI 559.3m - CFO 686.7m) / TA 3.36b) |
| Beneish M-Score: -3.15 (Cap -4..+1) = AA |
What is the price of ERIE shares?
As of March 15, 2026, the stock is trading at USD 242.70 with a total of 234,657 shares traded.
Over the past week, the price has changed by -4.98%, over one month by -11.54%, over three months by -13.53% and over the past year by -39.96%.
Over the past week, the price has changed by -4.98%, over one month by -11.54%, over three months by -13.53% and over the past year by -39.96%.
Is ERIE a buy, sell or hold?
Erie Indemnity has received a consensus analysts rating of 5.00.
Therefore, it is recommended to buy ERIE.
- StrongBuy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ERIE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 115 | -52.6% |
| Analysts Target Price | 115 | -52.6% |
ERIE Fundamental Data Overview March 15, 2026
P/E Trailing = 23.9158
P/E Forward = 26.738
P/S = 3.2868
P/B = 5.9541
P/EG = 2.6718
Revenue TTM = 4.30b USD
EBIT TTM = 654.9m USD
EBITDA TTM = 720.7m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = -345.9m USD (from netDebt column, last quarter)
Enterprise Value = 12.99b USD (13.37b + (null Debt) - CCE 383.2m)
Interest Coverage Ratio = -11.75 (Ebit TTM 654.9m / Interest Expense TTM -55.7m)
EV/FCF = 22.74x (Enterprise Value 12.99b / FCF TTM 571.0m)
FCF Yield = 4.40% (FCF TTM 571.0m / Enterprise Value 12.99b)
FCF Margin = 13.26% (FCF TTM 571.0m / Revenue TTM 4.30b)
Net Margin = 12.99% (Net Income TTM 559.3m / Revenue TTM 4.30b)
Gross Margin = 21.73% ((Revenue TTM 4.30b - Cost of Revenue TTM 3.37b) / Revenue TTM)
Gross Margin QoQ = 14.59% (prev 34.22%)
Tobins Q-Ratio = 3.87 (Enterprise Value 12.99b / Total Assets 3.36b)
Interest Expense / Debt = unknown (Interest Expense 1.40m / Debt none)
Taxrate = 23.03% (19.0m / 82.3m)
NOPAT = 504.0m (EBIT 654.9m * (1 - 23.03%))
Current Ratio = 1.27 (Total Current Assets 1.20b / Total Current Liabilities 945.6m)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = -0.48 (Net Debt -345.9m / EBITDA 720.7m)
Debt / FCF = -0.61 (Net Debt -345.9m / FCF TTM 571.0m)
Total Stockholder Equity = 2.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 17.92% (Net Income 559.3m / Total Assets 3.36b)
RoE = 25.30% (Net Income TTM 559.3m / Total Stockholder Equity 2.21b)
RoCE = 27.17% (EBIT 654.9m / Capital Employed (Total Assets 3.36b - Current Liab 945.6m))
RoIC = 22.80% (NOPAT 504.0m / Invested Capital 2.21b)
WACC = 6.30% (E(13.37b)/V(13.37b) * Re(6.30%) + (debt-free company))
Discount Rate = 6.30% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 0.01%
[DCF] Terminal Value 86.66% ; FCFF base≈537.1m ; Y1≈639.9m ; Y5≈1.01b
[DCF] Fair Price = 567.6 (EV 25.87b - Net Debt -345.9m = Equity 26.22b / Shares 46.2m; r=6.30% [WACC]; 5y FCF grow 20.41% → 2.90% )
EPS Correlation: 84.48 | EPS CAGR: 22.00% | SUE: -1.06 | # QB: 0
Revenue Correlation: 90.50 | Revenue CAGR: 9.70% | SUE: -0.26 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.57 | Chg7d=-0.060 | Chg30d=-0.060 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=13.51 | Chg7d=-0.500 | Chg30d=-0.500 | Revisions Net=-1 | Growth EPS=+10.3% | Growth Revenue=+4.7%
P/E Forward = 26.738
P/S = 3.2868
P/B = 5.9541
P/EG = 2.6718
Revenue TTM = 4.30b USD
EBIT TTM = 654.9m USD
EBITDA TTM = 720.7m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = -345.9m USD (from netDebt column, last quarter)
Enterprise Value = 12.99b USD (13.37b + (null Debt) - CCE 383.2m)
Interest Coverage Ratio = -11.75 (Ebit TTM 654.9m / Interest Expense TTM -55.7m)
EV/FCF = 22.74x (Enterprise Value 12.99b / FCF TTM 571.0m)
FCF Yield = 4.40% (FCF TTM 571.0m / Enterprise Value 12.99b)
FCF Margin = 13.26% (FCF TTM 571.0m / Revenue TTM 4.30b)
Net Margin = 12.99% (Net Income TTM 559.3m / Revenue TTM 4.30b)
Gross Margin = 21.73% ((Revenue TTM 4.30b - Cost of Revenue TTM 3.37b) / Revenue TTM)
Gross Margin QoQ = 14.59% (prev 34.22%)
Tobins Q-Ratio = 3.87 (Enterprise Value 12.99b / Total Assets 3.36b)
Interest Expense / Debt = unknown (Interest Expense 1.40m / Debt none)
Taxrate = 23.03% (19.0m / 82.3m)
NOPAT = 504.0m (EBIT 654.9m * (1 - 23.03%))
Current Ratio = 1.27 (Total Current Assets 1.20b / Total Current Liabilities 945.6m)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = -0.48 (Net Debt -345.9m / EBITDA 720.7m)
Debt / FCF = -0.61 (Net Debt -345.9m / FCF TTM 571.0m)
Total Stockholder Equity = 2.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 17.92% (Net Income 559.3m / Total Assets 3.36b)
RoE = 25.30% (Net Income TTM 559.3m / Total Stockholder Equity 2.21b)
RoCE = 27.17% (EBIT 654.9m / Capital Employed (Total Assets 3.36b - Current Liab 945.6m))
RoIC = 22.80% (NOPAT 504.0m / Invested Capital 2.21b)
WACC = 6.30% (E(13.37b)/V(13.37b) * Re(6.30%) + (debt-free company))
Discount Rate = 6.30% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 0.01%
[DCF] Terminal Value 86.66% ; FCFF base≈537.1m ; Y1≈639.9m ; Y5≈1.01b
[DCF] Fair Price = 567.6 (EV 25.87b - Net Debt -345.9m = Equity 26.22b / Shares 46.2m; r=6.30% [WACC]; 5y FCF grow 20.41% → 2.90% )
EPS Correlation: 84.48 | EPS CAGR: 22.00% | SUE: -1.06 | # QB: 0
Revenue Correlation: 90.50 | Revenue CAGR: 9.70% | SUE: -0.26 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.57 | Chg7d=-0.060 | Chg30d=-0.060 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=13.51 | Chg7d=-0.500 | Chg30d=-0.500 | Revisions Net=-1 | Growth EPS=+10.3% | Growth Revenue=+4.7%