Overview Dividends

(ERIE) Erie Indemnity - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US29530P1021

Insurance, Services, Underwriting, Claims

ERIE EPS (Earnings per Share)

EPS Growth (3Y CAGR): -48.23%
EPS Trend (3Y Correlation): -6.3%

ERIE Revenue

Revenue Growth (3Y CAGR): 22.41%
Revenue Trend (3Y Correlation): 19.4%

Description: ERIE Erie Indemnity October 30, 2025

Erie Indemnity Company acts as the managing attorney-in-fact for policyholders of the Erie Insurance Exchange, delivering core insurance functions such as policy issuance, renewal, underwriting, claims processing, and a suite of sales-related services-including agent compensation, advertising support, and IT infrastructure. The firm, founded in 1925 and headquartered in Erie, Pennsylvania, operates within the U.S. Property & Casualty (P&C) market.

Recent performance metrics show a combined ratio of approximately 92% for the most recent fiscal year, indicating underwriting profitability, while the company’s return on equity (ROE) has hovered around 12%, outpacing the broader P&C industry average of roughly 9%.

Key economic drivers for Erie include the prevailing low-interest-rate environment, which compresses investment income for insurers, and the rising frequency of severe weather events that elevate catastrophe loss exposure. The firm’s disciplined underwriting and strong regional market share in the Midwest and Northeast help mitigate these risks.

For a deeper, data-driven dive into Erie’s valuation and risk profile, consider exploring the analytics on ValueRay to see how its fundamentals compare to peers.

ERIE Stock Overview

Market Cap in USD	17,030m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	1995-10-02

ERIE Stock Ratings

Growth Rating	-9.61%
Fundamental	65.0%
Dividend Rating	40.5%
Return 12m vs S&P 500	-39.1%
Analyst Rating	5.0 of 5

ERIE Dividends

Dividend Yield 12m	1.89%
Yield on Cost 5y	2.55%
Annual Growth 5y	-3.41%
Payout Consistency	92.7%
Payout Ratio	45.6%

ERIE Growth Ratios

Growth Correlation 3m	-78.8%
Growth Correlation 12m	-86.1%
Growth Correlation 5y	81.3%
CAGR 5y	5.02%
CAGR/Max DD 3y (Calmar Ratio)	0.11
CAGR/Mean DD 3y (Pain Ratio)	0.32
Sharpe Ratio 12m	0.08
Alpha	-43.49
Beta	0.297
Volatility	33.93%
Current Volume	178.5k
Average Volume 20d	123.8k
Stop Loss	279 (-3.6%)
Signal	-0.11

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 (723.2m) ratio: -0.46 <= 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)

Interest Coverage Ratio -0.30 (EBITDA TTM 723.2m / Interest Expense TTM -608.0m) >= 6 (WARN >= 3)

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

(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) 65.04

1. Piotroski 6.0pt = 1.0

2. FCF Yield 3.39% = 1.69

3. FCF Margin 15.58% = 3.89

4. Debt/Equity 0.00 = 2.50

5. Debt/Ebitda -0.46 = 2.50

6. ROIC - WACC (= -0.15)% = -0.19

7. RoE 30.53% = 2.50

8. Rev. Trend 19.40% = 1.46

9. EPS Trend -6.34% = -0.32

What is the price of ERIE shares?

As of November 06, 2025, the stock is trading at USD 289.42 with a total of 178,520 shares traded.
Over the past week, the price has changed by -9.65%, over one month by -8.47%, over three months by -18.40% and over the past year by -27.00%.

Is Erie Indemnity a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Erie Indemnity (NASDAQ:ERIE) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 65.04 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ERIE is around 241.87 USD . This means that ERIE is currently overvalued and has a potential downside of -16.43%.

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.

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	-60.3%
Analysts Target Price	115	-60.3%
ValueRay Target Price	266.3	-8%

ERIE Fundamental Data Overview October 26, 2025

Market Cap USD = 17.03b (17.03b USD * 1.0 USD.USD)
P/E Trailing = 27.169
P/S = 4.286
P/B = 7.5306
P/EG = 3.05
Beta = 0.297
Revenue TTM = 3.62b USD
EBIT TTM = 180.1m USD
EBITDA TTM = 723.2m USD
Long Term Debt = unknown (none)
Short Term Debt = 7.51m USD (from shortTermDebt, last fiscal year)
Debt = 7.51m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -332.1m USD (from netDebt column, last quarter)
Enterprise Value = 16.65b USD (17.03b + Debt 7.51m - CCE 391.3m)
Interest Coverage Ratio = -0.30 (Ebit TTM 180.1m / Interest Expense TTM -608.0m)
FCF Yield = 3.39% (FCF TTM 564.0m / Enterprise Value 16.65b)
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)
Gross Margin QoQ = 94.66% (prev 15.30%)
Tobins Q-Ratio = 5.32 (Enterprise Value 16.65b / Total Assets 3.13b)
Interest Expense / Debt = 18.57% (Interest Expense 1.40m / Debt 7.51m)
Taxrate = 20.87% (46.1m / 220.7m)
NOPAT = 142.5m (EBIT 180.1m * (1 - 20.87%))
Current Ratio = 1.47 (Total Current Assets 1.27b / Total Current Liabilities 861.7m)
Debt / Equity = 0.00 (Debt 7.51m / totalStockholderEquity, last quarter 2.18b)
Debt / EBITDA = -0.46 (Net Debt -332.1m / EBITDA 723.2m)
Debt / FCF = -0.59 (Net Debt -332.1m / FCF TTM 564.0m)
Total Stockholder Equity = 2.05b (last 4 quarters mean from totalStockholderEquity)
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 = 7.95% (EBIT 180.1m / Capital Employed (Total Assets 3.13b - Current Liab 861.7m))
RoIC = 6.96% (NOPAT 142.5m / Invested Capital 2.05b)
WACC = 7.11% (E(17.03b)/V(17.04b) * Re(7.11%) + D(7.51m)/V(17.04b) * Rd(18.57%) * (1-Tc(0.21)))
Discount Rate = 7.11% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -0.36%
[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% )
EPS Correlation: -6.34 | EPS CAGR: -48.23% | SUE: -4.0 | # QB: 0
Revenue Correlation: 19.40 | Revenue CAGR: 22.41% | SUE: 3.02 | # QB: 8

Additional Sources for ERIE Stock

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