ERIE
Erie Indemnity
$211.65
▼ 4.3%Updated Today 7:15 PM ET
▼ Down 36.6% over the last 12 months
Market Cap
$10.30B
P/E
18.15x
Forward P/E (est.)
18.03x
ROE
25.0%
Revenue Growth
4.8%
EPS Growth
0.7%
Profit Margin
14.0%
FCF Yield
—
Debt / Equity
0x
ROIC
24.0%
Interest Coverage
—
Current Ratio
1.29x
Dividend Yield
2.6%
Implied Growth (rev. DCF)
3.3%
Rating Score
61/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what ERIE's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. ERIE trades near $211.65, below its 50-day average ($227.71) and 200-day average ($273.44). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 53 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. ERIE's is $7.14 (~3.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month ERIE found buyers near $204.63 (support) and sellers near $234.39 (resistance); its 52-week range is $204.63–$380.67. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.9× the 20-day average — heavier than usual, which adds conviction to the move. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Erie Indemnity (ERIE) is a large-cap company in the Insurance Brokers industry, part of the Financials sector of the S&P 500, with a market value around $10.30B.
In its latest reported year it generated about $4.07B in revenue and $559.34M in net profit.
Our model rates ERIE Favorable (61/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
11.5%
Revenue moved from $2.63B in 2021 to $4.07B in 2025, a 11.5% compound annual growth rate. The most recent year was roughly flat (4.8%) year over year. Slower, mature growth is common for established businesses.
Gross Margin
17.9%
Operating Margin
17.6%
Net Margin
13.8%
ROE
25.0%
Erie Indemnity keeps about 14.0% of each sales dollar as net profit, with a 17.9% gross margin and 17.6% operating margin. Return on equity is 25.0% and return on invested capital about 24.0%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
0x
Leverage: debt-to-equity is 0.0x, with a current ratio of 1.3x. That is a conservative balance sheet — a cushion in downturns.
Operating CF
$686.66M
Free Cash Flow
$570.97M
FCF Margin
14.0%
In the latest year Erie Indemnity produced about $686.66M of operating cash flow and $570.97M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
18.15x
P/S
2.6x
P/B
5.73x
EV / EBITDA
13.02x
ERIE trades at 18.2x trailing earnings (about 18.0x on estimated forward earnings), 2.6x sales, and 5.7x book value. Reverse-engineering today's price implies the market expects roughly 3.3% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How ERIE stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), ERIE ranks #48 of 76 by our overall rating. It trades at a premium versus the sector on earnings (18.2x P/E vs. 15.2x median) with a higher return on equity (25.0% vs. 15.3%) and slower revenue growth (4.8% vs. 9.1%).
P/E vs sector
18.2x
median 15.2x
ROE vs sector
25.0%
median 15.3%
Growth vs sector
4.8%
median 9.1%
Sector rank
#48
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
The case for ERIE:
- Strong return on equity (25.0%) shows capital is put to work well.
- A conservative balance sheet (debt/equity 0.0x) lowers risk.
- Pays a 2.6% dividend on top of any price gains.
- Our model's overall read is Favorable (61/100).
The case against ERIE:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Erie Indemnity is a large-cap financials business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 18.2x earnings, which our model scores Favorable (61/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.