Stock AnalizErie Indemnity Co. ERIE
Specialty Insurers · data as of November 13, 2026
Erie Indemnity Co. (ERIE) is a financial company listed in the US with a market value of about $14.4B. In the twelve months to September 30, 2026 it had revenue of $4.1B and net income of $576M, a net margin of 14.0%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is financial health (5/5); the weakest is value (1/5).
Key numbers: a P/E of 24.9, a price to free cash flow of 25.9, 5-year revenue growth of 10% a year, a 5-year average ROIC of 23%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 54% below the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- ROE above 15%
- More cash than debt, or low debt to equity
Checks not passed
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.1B | $4.1B | $3.8B | $3.3B | $2.8B | $2.6B | $2.5B | $2.5B | $2.4B | $1.7B | $1.6B |
| Net income | $576M | $559M | $600M | $446M | $299M | $298M | $293M | $317M | $288M | $197M | $210M |
| Free cash flow | $554M | $571M | $486M | $289M | $299M | $254M | $287M | $262M | $207M | $168M | $229M |
| EPS (diluted) | $11.02 | $10.70 | — | — | — | — | — | — | — | — | — |
| Net margin | 14.0% | 13.8% | 15.8% | 13.7% | 10.5% | 11.3% | 11.6% | 12.8% | 12.1% | 11.6% | 13.2% |
| ROIC | — | 24.7% | 27.0% | 24.8% | 20.6% | 17.5% | 21.0% | 23.2% | 24.9% | 19.4% | 22.9% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Erie Indemnity’s P/E ratio?
About 24.9, based on the last twelve months of diluted earnings per share (forward P/E about 20.7).
Is Erie Indemnity stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 54% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Erie Indemnity pay a dividend?
Yes. The dividend yield is about 2.15%, and it has paid dividends for 10 years in our data.
Is Erie Indemnity a good stock to buy?
We do not give buy or sell advice. Erie Indemnity scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.