ERIE
Erie Indemnity
Financials · Insurance Brokers · US
$227.22
Data:
✗ ETHICAL FAIL

MODERATE MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$11.3B
Total market value of the company
Trailing P/E
19.80
Reasonably valued
Forward P/E
15.40
Based on estimated future earnings — lower means cheaper
Rev Growth
+2.3%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
ROE
25.9%
Return on equity — how efficiently it uses shareholder money
Analyst Target
N/A
Recommendation
NONE
Consensus view from ? analysts covering this stock
About Erie Indemnity

Erie Indemnity Company operates as a managing attorney-in-fact for the subscribers at the Erie Insurance Exchange in the United States. It provides issuance and renewal services; sales related services, including agent compensation and sales and advertising support services; underwriting services that include underwriting and policy processing; and other services consist of customer services and administrative support services, as well as information technology services. The company was incorporated in 1925 and is based in Erie, Pennsylvania.

https://www.erieinsurance.com

Country: United States Employees: 6,667 Industry: Insurance Brokers
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
Fair Value Est.
$280.00
What our model estimates this business is worth per share
Margin of Safety
18.8%
Slight discount to fair value
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
Percentile
56.3th
Ranks in the top 44% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
73.0
Quality Score
57.0
Combined
42.0

Trading at $216 against a fair value of $280, a 23% discount. Moderate competitive position. Fails ethical screen (Business activity screen). Ranks better than 17% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime
DISTRIBUTION
Smart money appears to be selling into strength — caution
Sharpe Ratio
-0.627
Returns do not compensate for the risk — negative edge
Kelly Fraction
-0.0592
No positive edge detected — the data suggests staying out
Calmar Ratio
-0.367
Drawdown risk outweighs the returns — higher risk profile
Annual Return
-22.1%
Historical annualised return based on price data
Max Drawdown
-60.2%
Largest peak-to-trough decline — the worst it has been
HMM State
BEAR
Statistical model detects bearish conditions
Days in State
256
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

Beta
0.32
Very low correlation to market moves
52W High
$380.67
40% below the year high
52W Low
$210.07
8% above the year low
Avg Volume
242,500
Average daily shares traded — higher means easier to buy and sell
Short Ratio
10.5
Days it would take all short sellers to cover — higher means more crowded
Short % Float
9.3%
Moderate short interest
Div Yield
271.0%
Annual dividend as a percentage of the share price
EPS (TTM)
$10.92
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity
0.02
Conservative use of debt — low financial risk
Current Ratio
1.29
Adequate but worth monitoring
Quick Ratio
1.16
Like current ratio but excludes inventory — stricter test
Gross Margin
17.9%
Revenue left after cost of goods — higher means pricing power
Operating Margin
16.9%
Profit from core operations before interest and tax
Free Cash Flow
$447M
Positive — the business generates more cash than it spends
Revenue (TTM)
$4.1B
Total revenue over the last 12 months
Net Income
$571M
Profitable — the bottom line is positive
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

Date Insider Title Type Shares Value
2026-05-08 DABREO ANTHONY Officer 465 $100,952
2026-03-18 NECASTRO TIMOTHY G Chief Executive Officer 2,039 —
2026-01-30 DABREO ANTHONY Officer 500 $140,435
2025-12-23 NECASTRO TIMOTHY G Chief Executive Officer 3,481 —
2024-08-27 HARTZ CHARLES SCOTT Director 500 $242,914
2024-08-13 HARTZ CHARLES SCOTT Director 500 $226,632
2024-06-27 FELTZ LORIANNE Officer 398 $144,156
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated:

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