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Erie Indemnity Company ERIE

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272.09 USD +1.57 (+0.58%)

At closeNov 10, 2026, 4:00 PM EST

272.09 0.00 0.00%

After hours · Nov 10, 4:00 PM ET

268.74 Day range 276.12
204.63 52-week range 301.61
YTD
-5.08%
1 year
-2.00%

Financial health

Altman Z-Score

10.08 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 23.9×
FY 2016: 24.9×FY 2017: 28.8×FY 2018: 27.0×FY 2019: 24.4×FY 2020: 39.0×FY 2021: 30.1×FY 2022: 38.8×FY 2023: 35.0×FY 2024: 32.0×FY 2025: 23.9×
FY 2016 5y median 32.0× FY 2025
P/S 3.3×
FY 2016: 3.7×FY 2017: 3.8×FY 2018: 2.9×FY 2019: 3.5×FY 2020: 5.1×FY 2021: 3.4×FY 2022: 4.0×FY 2023: 4.7×FY 2024: 5.0×FY 2025: 3.3×
FY 2016 5y median 4.0× FY 2025
P/B 5.8×
FY 2016: 7.2×FY 2017: 7.4×FY 2018: 7.2×FY 2019: 7.7×FY 2020: 10.8×FY 2021: 6.6×FY 2022: 7.9×FY 2023: 9.3×FY 2024: 9.6×FY 2025: 5.8×
FY 2016 5y median 7.9× FY 2025
P/FCF 23.4×
FY 2016: 25.7×FY 2017: 38.0×FY 2018: 33.6×FY 2019: 33.1×FY 2020: 44.8×FY 2021: 35.0×FY 2022: 38.4×FY 2023: 53.6×FY 2024: 39.1×FY 2025: 23.4×
FY 2016 5y median 38.4× FY 2025
EV/EBITDA 16.6×
FY 2016: 18.7×FY 2017: 20.5×FY 2018: 19.0×FY 2019: 21.7×FY 2020: 34.5×FY 2021: 24.3×FY 2022: 26.4×FY 2023: 25.3×FY 2024: 24.3×FY 2025: 16.6×
FY 2016 5y median 24.3× FY 2025
EV/Sales 3.2×
FY 2016: 3.6×FY 2017: 3.7×FY 2018: 2.9×FY 2019: 3.4×FY 2020: 5.0×FY 2021: 3.3×FY 2022: 4.0×FY 2023: 4.7×FY 2024: 4.9×FY 2025: 3.2×
FY 2016 5y median 4.0× FY 2025
FCF Yield 4.3%
FY 2016: 3.9%FY 2017: 2.6%FY 2018: 3.0%FY 2019: 3.0%FY 2020: 2.2%FY 2021: 2.9%FY 2022: 2.6%FY 2023: 1.9%FY 2024: 2.6%FY 2025: 4.3%
FY 2016 5y median 2.6% FY 2025

Profitability

Gross Margin 15.8%
FY 2016: 18.4%FY 2017: 17.2%FY 2018: 14.5%FY 2019: 14.4%FY 2020: 13.3%FY 2021: 12.1%FY 2022: 13.2%FY 2023: 15.9%FY 2024: 17.8%FY 2025: 15.8%
FY 2016 5y median 15.8% FY 2025
Operating Margin 17.7%
FY 2016: 18.4%FY 2017: 17.2%FY 2018: 14.5%FY 2019: 14.4%FY 2020: 13.3%FY 2021: 12.1%FY 2022: 13.2%FY 2023: 15.9%FY 2024: 17.8%FY 2025: 17.7%
FY 2016 5y median 15.9% FY 2025
Net Margin 13.8%
FY 2016: 13.2%FY 2017: 11.6%FY 2018: 12.1%FY 2019: 12.8%FY 2020: 11.6%FY 2021: 11.3%FY 2022: 10.5%FY 2023: 13.6%FY 2024: 15.8%FY 2025: 13.8%
FY 2016 5y median 13.6% FY 2025
ROE 24.5%
FY 2016: 25.8%FY 2017: 23.0%FY 2018: 29.6%FY 2019: 28.0%FY 2020: 24.7%FY 2021: 22.2%FY 2022: 20.6%FY 2023: 26.8%FY 2024: 30.2%FY 2025: 24.5%
FY 2016 5y median 24.5% FY 2025
ROIC 23.2%
FY 2016: 14.9%FY 2017: 12.8%FY 2018: 20.4%FY 2019: 19.8%FY 2020: -43.0%FY 2021: 15.6%FY 2022: 19.5%FY 2023: 23.4%FY 2024: 25.6%FY 2025: 23.2%
FY 2016 5y median 23.2% FY 2025
ROA 16.7%
FY 2016: 13.6%FY 2017: 11.8%FY 2018: 16.2%FY 2019: 15.7%FY 2020: 13.9%FY 2021: 13.3%FY 2022: 13.3%FY 2023: 18.0%FY 2024: 20.8%FY 2025: 16.7%
FY 2016 5y median 16.7% FY 2025

Growth (YoY)

Revenue 7.2%
FY 2016: 6.1%FY 2017: 6.0%FY 2018: 40.8%FY 2019: 4.0%FY 2020: 2.4%FY 2021: 3.8%FY 2022: 7.8%FY 2023: 15.1%FY 2024: 16.1%FY 2025: 7.2%
FY 2016 FY 2025
Operating Income 6.4%
FY 2016: 26.2%FY 2017: -1.1%FY 2018: 18.6%FY 2019: 3.8%FY 2020: -5.4%FY 2021: -5.9%FY 2022: 18.3%FY 2023: 38.3%FY 2024: 30.0%FY 2025: 6.4%
FY 2016 FY 2025
EPS (diluted) -7.5%
FY 2016: 20.4%FY 2017: -6.2%FY 2018: 31.1%FY 2019: 22.9%FY 2020: -7.4%FY 2021: 1.4%FY 2022: 0.4%FY 2023: 49.4%FY 2024: 34.6%FY 2025: -7.5%
FY 2016 FY 2025
Free Cash Flow 17.4%
FY 2016: 11.9%FY 2017: -26.6%FY 2018: 23.2%FY 2019: 26.6%FY 2020: 9.4%FY 2021: -11.5%FY 2022: 17.7%FY 2023: -3.5%FY 2024: 68.6%FY 2025: 17.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.2×
FY 2016: 3.3×FY 2017: 3.4×FY 2018: 2.5×FY 2019: 1.5×FY 2020: 0.0×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
Quick Ratio 1.2×
FY 2016: 3.3×FY 2017: 3.4×FY 2018: 2.5×FY 2019: 1.5×FY 2020: 0.0×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -0.4×
FY 2016: -0.5×FY 2017: -0.5×FY 2018: -0.5×FY 2019: -0.6×FY 2020: -0.2×FY 2021: -0.2×FY 2022: -0.0×FY 2023: -0.2×FY 2024: -0.3×FY 2025: -0.4×
FY 2016 5y median -0.2× FY 2025
Interest Coverage 0.0×
FY 2016: 2906×FY 2017: 234×FY 2018: 140×FY 2019: 417×FY 2020: 463×FY 2021: 77.0×FY 2022: 187×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 1.9%
FY 2016: 2.3%FY 2017: 2.3%FY 2018: 2.2%FY 2019: 1.9%FY 2020: 2.1%FY 2021: 2.2%FY 2022: 1.8%FY 2023: 1.4%FY 2024: 1.2%FY 2025: 1.9%
FY 2016 5y median 1.8% FY 2025
Payout Ratio 45.5%
FY 2016: 64.6%FY 2017: 74.0%FY 2018: 54.3%FY 2019: 52.9%FY 2020: 93.0%FY 2021: 64.7%FY 2022: 69.3%FY 2023: 49.7%FY 2024: 39.6%FY 2025: 45.5%
FY 2016 5y median 49.7% FY 2025

Annual · latest fiscal year ends 2025-12-31