(ERIE) Erie Indemnity - Ratings and Ratios
Insurance, Services, Underwriting, Compensation, Support
ERIE EPS (Earnings per Share)
ERIE Revenue
Description: ERIE Erie Indemnity
Erie Indemnity Company is a key player in the US insurance industry, serving as the managing attorney-in-fact for the Erie Insurance Exchange. The companys core services include issuance and renewal, sales support, underwriting, customer service, and IT support, making it a vital component of the Erie Insurance Exchanges operations.
From a financial perspective, Erie Indemnity Company has demonstrated strong performance, with a Return on Equity (RoE) of 31.37%, indicating effective utilization of shareholder capital. The companys Market Capitalization stands at approximately $18.14 billion, reflecting its significant presence in the market. With a Price-to-Earnings (P/E) ratio of 29.50, the stock is priced at a premium, suggesting that investors have high expectations for the companys future growth.
To further evaluate the companys performance, additional Key Performance Indicators (KPIs) such as the combined ratio, loss ratio, and expense ratio can be considered. A combined ratio below 100% would indicate profitable underwriting, while a low loss ratio would suggest effective risk management. Furthermore, analyzing the companys revenue growth, net income margin, and dividend yield can provide insights into its financial health and attractiveness to investors.
Erie Indemnity Companys strong brand presence, coupled with its long history since incorporation in 1925, positions it as a stable player in the property and casualty insurance industry. The companys website (https://www.erieinsurance.com) provides a wealth of information on its products and services, allowing for further analysis of its business model and competitive advantages.
ERIE Stock Overview
| Market Cap in USD | 17,592m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1995-10-02 |
ERIE Stock Ratings
| Growth Rating | 5.23% |
| Fundamental | 68.2% |
| Dividend Rating | 46.6% |
| Return 12m vs S&P 500 | -48.0% |
| Analyst Rating | 5.0 of 5 |
ERIE Dividends
| Dividend Yield 12m | 1.87% |
| Yield on Cost 5y | 3.35% |
| Annual Growth 5y | -2.74% |
| Payout Consistency | 92.7% |
| Payout Ratio | 44.9% |
ERIE Growth Ratios
| Growth Correlation 3m | -3.2% |
| Growth Correlation 12m | -86.2% |
| Growth Correlation 5y | 81.1% |
| CAGR 5y | 14.75% |
| CAGR/Max DD 3y | 0.37 |
| CAGR/Mean DD 3y | 1.15 |
| Sharpe Ratio 12m | 0.02 |
| Alpha | -40.49 |
| Beta | 0.079 |
| Volatility | 28.05% |
| Current Volume | 122.8k |
| Average Volume 20d | 104.3k |
| Stop Loss | 312.1 (-3%) |
| Signal | -2.64 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (625.0m TTM) > 0 and > 6% of Revenue (6% = 217.2m TTM) |
| FCFTA 0.18 (>2.0%) and ΔFCFTA 8.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 11.26% (prev 7.00%; Δ 4.27pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.22 (>3.0%) and CFO 688.3m > Net Income 625.0m (YES >=105%, WARN >=100%) |
| Net Debt (-332.1m) to EBITDA (183.1m) ratio: -1.81 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.47 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (52.3m) change vs 12m ago -0.72% (target <= -2.0% for YES) |
| Gross Margin 52.30% (prev 16.98%; Δ 35.32pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 124.4% (prev 131.7%; Δ -7.29pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' 8.47
| (A) 0.13 = (Total Current Assets 1.27b - Total Current Liabilities 861.7m) / Total Assets 3.13b |
| (B) 1.07 = Retained Earnings (Balance) 3.35b / Total Assets 3.13b |
| warn (B) unusual magnitude: 1.07 — check mapping/units |
| (C) 0.06 = EBIT TTM 180.1m / Avg Total Assets 2.91b |
| (D) 3.54 = Book Value of Equity 3.34b / Total Liabilities 943.7m |
| Total Rating: 8.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 68.16
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 3.11% = 1.55 |
| 3. FCF Margin 15.58% = 3.89 |
| 4. Debt/Equity 0.43 = 2.41 |
| 5. Debt/Ebitda 5.16 = -2.50 |
| 6. ROIC - WACC 0.99% = 1.23 |
| 7. RoE 30.53% = 2.50 |
| 8. Rev. Trend 19.40% = 0.97 |
| 9. Rev. CAGR 22.41% = 2.50 |
| 10. EPS Trend 84.11% = 2.10 |
| 11. EPS CAGR 30.32% = 2.50 |
What is the price of ERIE shares?
Over the past week, the price has changed by -4.29%, over one month by -12.20%, over three months by -9.70% and over the past year by -38.23%.
Is Erie Indemnity a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ERIE is around 309.94 USD . This means that ERIE is currently overvalued and has a potential downside of -3.69%.
Is ERIE a buy, sell or hold?
- Strong Buy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the ERIE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 115 | -64.3% |
| Analysts Target Price | 115 | -64.3% |
| ValueRay Target Price | 337.8 | 5% |
Last update: 2025-09-05 04:41
ERIE Fundamental Data Overview
CCE Cash And Equivalents = 391.3m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 28.1531
P/S = 4.4273
P/B = 7.8552
P/EG = 3.05
Beta = 0.325
Revenue TTM = 3.62b USD
EBIT TTM = 180.1m USD
EBITDA TTM = 183.1m USD
Long Term Debt = 82.0m USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 861.7m USD (from totalCurrentLiabilities, last quarter)
Debt = 943.7m USD (Calculated: Short Term 861.7m + Long Term 82.0m)
Net Debt = -332.1m USD (from netDebt column, last quarter)
Enterprise Value = 18.14b USD (17.59b + Debt 943.7m - CCE 391.3m)
Interest Coverage Ratio = unknown (Ebit TTM 180.1m / Interest Expense TTM 0.0)
FCF Yield = 3.11% (FCF TTM 564.0m / Enterprise Value 18.14b)
FCF Margin = 15.58% (FCF TTM 564.0m / Revenue TTM 3.62b)
Net Margin = 17.26% (Net Income TTM 625.0m / Revenue TTM 3.62b)
Gross Margin = 52.30% ((Revenue TTM 3.62b - Cost of Revenue TTM 1.73b) / Revenue TTM)
Tobins Q-Ratio = 5.44 (Enterprise Value 18.14b / Book Value Of Equity 3.34b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 943.7m)
Taxrate = 20.73% (157.0m / 757.3m)
NOPAT = 142.8m (EBIT 180.1m * (1 - 20.73%))
Current Ratio = 1.47 (Total Current Assets 1.27b / Total Current Liabilities 861.7m)
Debt / Equity = 0.43 (Debt 943.7m / last Quarter total Stockholder Equity 2.18b)
Debt / EBITDA = 5.16 (Net Debt -332.1m / EBITDA 183.1m)
Debt / FCF = 1.67 (Debt 943.7m / FCF TTM 564.0m)
Total Stockholder Equity = 2.05b (last 4 quarters mean)
RoA = 19.98% (Net Income 625.0m, Total Assets 3.13b )
RoE = 30.53% (Net Income TTM 625.0m / Total Stockholder Equity 2.05b)
RoCE = 8.46% (Ebit 180.1m / (Equity 2.05b + L.T.Debt 82.0m))
RoIC = 6.98% (NOPAT 142.8m / Invested Capital 2.05b)
WACC = 5.99% (E(17.59b)/V(18.54b) * Re(6.31%)) + (D(943.7m)/V(18.54b) * Rd(0.0%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 9.09 | Cagr: 0.00%
Discount Rate = 6.31% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈446.0m ; Y1≈550.2m ; Y5≈938.7m
Fair Price DCF = 345.7 (DCF Value 15.97b / Shares Outstanding 46.2m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 19.40 | Revenue CAGR: 22.41%
Rev Growth-of-Growth: -11.06
EPS Correlation: 84.11 | EPS CAGR: 30.32%
EPS Growth-of-Growth: -26.69
Additional Sources for ERIE Stock
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