Erie Indemnity Co (ERIE) Financials

ERIE

Trailing 12 months to June 30, 2026

Revenue $4.1B +3.7% YoY

Net Income $577.0M -7.7% YoY

Free Cash Flow $553.1M -1.9% YoY

Operating Cash Flow $697.8M +1.4% YoY

Market Cap $11.6B as of Oct 6, 2026

Price / Sales 2.8x on $4.1B revenue, trailing 12 months to June 30, 2026

Price / Earnings 20.1x on $577.0M net income, trailing 12 months to June 30, 2026

Price / Book 4.7x on $2.5B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 30, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ERIE SEC filings page.

Erie Indemnity Co (ERIE) reported $4.1B in revenue over the twelve months to Jun 30, 2026, up 3.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ERIE FY2025 2026-10-03

The business turned expanding revenue into cash, but 2025’s weaker profit margin shows growth translated less cleanly into earnings.

FY2025 cash generation exceeded reported profit: operating cash flow reached $686.7M versus net income of $559.3M, indicating that accounting earnings understated cash collected during the year. Yet cash conversion improved as profitability weakened: net profit margin fell to 13.8% while free-cash-flow margin rose to 14.0%, pointing to stronger cash realization alongside softer earnings economics.

Balance-sheet expansion remained lightly debt-funded. Total assets grew 35.8% from FY2023 to FY2025 while debt-to-equity stayed below 0.5x, implying accumulated equity financed more of the asset growth than borrowing did.

Operating leverage largely arrived before FY2025. Operating margin held nearly steady at 17.8% in FY2024 and 17.6% in FY2025 even as revenue continued rising, suggesting the earlier scale benefit had mostly been captured rather than continuing to widen.

Financial Health Signals

Financial health score not available

Erie Indemnity Co does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/6

Erie Indemnity Co passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.23x

For every $1 of reported earnings, Erie Indemnity Co generates $1.23 in operating cash flow ($686.7M OCF vs $559.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.1B

YoY+2.8%

QoQ+7.7%

5Y CAGR+9.9%

10Y CAGR+9.9%

Erie Indemnity Co generated $1.1B in revenue in Q2 2026. This represents an increase of 2.8% from the same quarter a year earlier. Against the prior quarter it is up 7.7%.

Net Income

$180.3M

YoY+3.2%

QoQ+19.8%

5Y CAGR+17.9%

10Y CAGR+11.4%

Erie Indemnity Co reported $180.3M in net income in Q2 2026. This represents an increase of 3.2% from the same quarter a year earlier. Against the prior quarter it is up 19.8%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$173.4M

YoY+10.2%

QoQ+218.3%

5Y CAGR+17.6%

Erie Indemnity Co generated $173.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 10.2% from the same quarter a year earlier. Against the prior quarter it is up 218.3%.

Cash & Debt

$282.9M

YoY-21.0%

QoQ+5.3%

5Y CAGR+12.6%

10Y CAGR+8.6%

Erie Indemnity Co held $282.9M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

Not reported for Q2 2026.

Shares Outstanding

Not reported for Q2 2026.

Margins & Returns

Operating Margin

18.7%

YoY-0.1pp

QoQ+2.2pp

5Y change+6.2pp

Erie Indemnity Co's operating margin was 18.7% in Q2 2026, reflecting core business profitability. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.2 percentage points.

Net Margin

16.5%

YoY+0.1pp

QoQ+1.7pp

5Y change+4.9pp

10Y change+2.1pp

Erie Indemnity Co's net profit margin was 16.5% in Q2 2026, showing the share of revenue converted to profit. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.

Return on Equity

7.3%

YoY-0.7pp

QoQ+0.9pp

5Y change+1.0pp

10Y change-0.2pp

Erie Indemnity Co's ROE was 7.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$41.5M

YoY+105.0%

QoQ+11.0%

5Y CAGR+19.5%

Erie Indemnity Co invested $41.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 105.0% from the same quarter a year earlier. Against the prior quarter it is up 11.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

ERIE Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ERIE quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$4.1B	$4.1B+7.2%	$3.8B+16.1%	$3.3B+15.1%	$2.8B+7.8%	$2.6B+3.8%	$2.5B+2.4%	$2.5B+4.0%	$2.4B+40.8%	$1.7B+6.0%	$1.6B+6.1%	$1.5B+7.0%	$1.4B+8.5%	$1.3B-76.5%	$5.5B+14.3%	$4.8B
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$240.2M+12.6%	$213.4M-5.9%	$226.7M+9.7%	$206.7M-0.4%	$207.6M	N/A	N/A
Operating Income	$737.5M	$717.2M+6.0%	$676.5M+30.0%	$520.3M+38.3%	$376.2M+18.3%	$318.1M-5.9%	$338.2M-5.4%	$357.3M+3.8%	$344.3M+18.6%	$290.3M-1.1%	$293.5M+26.2%	$232.5M+4.4%	$222.8M+6.5%	$209.3M	N/A	N/A
EBITDA	N/A	$786.6M+7.3%	$733.0M+29.1%	$567.7M+34.5%	$422.1M+18.8%	$355.3M-1.1%	$359.4M-4.0%	$374.1M+4.6%	$357.7M+17.3%	$305.1M-1.2%	$308.6M+24.2%	$248.4M+4.1%	$238.5M+6.3%	$224.3M	N/A	N/A
Interest Expense	N/A	N/A	$0	$0-100.0%	$2.0M-51.4%	$4.1M+465.3%	$731K-14.6%	$856K-65.2%	$2.5M+98.7%	$1.2M+1125.7%	$101K	N/A	N/A	N/A	N/A	N/A
Income Tax	$156.5M	$151.3M-3.6%	$157.0M+35.5%	$115.9M+48.8%	$77.9M-0.8%	$78.5M+4.4%	$75.2M-5.8%	$79.9M-3.9%	$83.1M-30.0%	$118.7M+8.2%	$109.7M+19.8%	$91.6M+9.3%	$83.8M-0.3%	$84.0M-70.0%	$280.0M+211.1%	$90.0M
Net Income	$577.0M	$559.3M-6.8%	$600.3M+34.6%	$446.1M+49.4%	$298.6M+0.2%	$297.9M+1.6%	$293.3M-7.4%	$316.8M+9.9%	$288.2M+46.3%	$197.0M-6.4%	$210.4M+20.4%	$174.7M+4.3%	$167.5M+3.0%	$162.6M+1.6%	$160.0M-5.3%	$169.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.1B+2.8%	$1.0B+2.3%	$951.0M+2.9%	$1.1B+6.7%	$1.1B+7.0%	$989.4M+12.3%	$924.1M+13.0%	$999.9M+16.4%
Operating Income	$204.1M+2.5%	$166.8M+10.2%	$157.7M-5.7%	$208.9M+16.0%	$199.2M+4.7%	$151.4M+9.1%	$167.3M+31.7%	$180.1M+21.3%
Income Tax	$47.8M+3.7%	$39.9M+9.7%	$19.0M-52.3%	$49.9M+21.7%	$46.1M+6.1%	$36.3M+10.9%	$39.8M+37.2%	$41.0M+25.3%
Net Income	$180.3M+3.2%	$150.5M+8.7%	$63.4M-58.3%	$182.9M+14.4%	$174.7M+6.6%	$138.4M+11.1%	$152.0M+37.1%	$159.8M+22.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, EBITDA, Interest Expense, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

ERIE Balance Sheet

ERIE quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.4B+16.2%	$2.9B+16.9%	$2.5B+10.4%	$2.2B-0.1%	$2.2B+5.9%	$2.1B+5.0%	$2.0B+13.4%	$1.8B+6.8%	$1.7B+7.5%	$1.5B+10.1%	$1.4B+6.7%	$1.3B-92.1%	$16.7B+8.0%	$15.4B+7.6%	$14.3B
Current Assets	$1.2B+4.7%	$1.1B+23.1%	$930.2M+19.4%	$778.8M+2.0%	$763.7M+4.3%	$732.3M-17.8%	$891.4M-23.7%	$1.2B+45.8%	$801.9M+20.5%	$665.5M+4.8%	$635.1M+19.1%	$533.3M	N/A	N/A	N/A
Cash & Equivalents	$345.9M+15.9%	$298.4M+107.1%	$144.1M+1.4%	$142.1M-22.7%	$183.7M+13.9%	$161.2M-52.1%	$336.7M+26.4%	$266.4M+23.5%	$215.7M+14.1%	$189.1M+3.4%	$182.9M+99.3%	$91.7M+87.1%	$49.0M+322.4%	$11.6M-93.7%	$185.0M
Short-Term Investments	$33.9M-24.0%	$44.6M-45.6%	$82.0M+238.0%	$24.3M-36.8%	$38.4M+117.0%	$17.7M-46.1%	$32.8M-91.8%	$402.3M+465.2%	$71.2M+26.8%	$56.1M-9.6%	$62.1M-1.9%	$63.3M	$0	$0	$0
Accounts Receivable	$735.6M+4.0%	$707.1M+13.1%	$625.3M+19.1%	$524.9M+9.6%	$479.1M-3.1%	$494.6M+5.5%	$468.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$1.3B+29.7%	$991.7M+12.8%	$879.2M+1.0%	$870.4M-4.1%	$907.7M-0.3%	$910.5M+30.5%	$697.9M+101.6%	$346.2M-49.6%	$687.5M+4.6%	$657.2M+22.2%	$537.9M+2.2%	$526.5M	$0	$0	$0
Total Liabilities	$1.1B+18.9%	$901.4M+11.4%	$809.1M+2.3%	$791.0M-12.1%	$899.6M-3.2%	$929.1M+5.2%	$883.0M+9.7%	$804.7M-0.5%	$808.5M+10.4%	$732.0M+14.8%	$637.8M+3.5%	$616.1M-96.1%	$15.9B+7.7%	$14.8B+9.1%	$13.6B
Current Liabilities	$945.6M+17.8%	$802.5M+13.2%	$709.0M+6.6%	$665.1M+5.4%	$630.9M+0.5%	$627.7M+6.8%	$587.7M+7.4%	$547.1M+7.3%	$509.9M+8.6%	$469.6M+5.4%	$445.7M+11.4%	$400.2M	N/A	N/A	N/A
Non-Current Liabilities	$126.5M+28.0%	$98.8M-1.3%	$100.2M-20.5%	$125.9M-53.1%	$268.7M-10.8%	$301.4M+2.1%	$295.3M+14.6%	$257.6M-13.7%	$298.6M+13.8%	$262.4M+36.6%	$192.1M-11.0%	$215.9M	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	$0-100.0%	$91.7M-2.2%	$93.8M-2.1%	$95.8M-2.1%	$97.9M+31.0%	$74.7M+201.7%	$24.8M	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.3B+14.9%	$2.0B+19.5%	$1.7B+14.8%	$1.4B+7.9%	$1.3B+13.0%	$1.2B+4.8%	$1.1B+16.4%	$973.7M+13.6%	$857.3M+4.9%	$816.9M+6.2%	$769.5M+9.4%	$703.1M-4.2%	$734.0M+14.4%	$641.9M-17.8%	$781.0M
Retained Earnings	$3.5B+9.5%	$3.2B+12.8%	$2.8B+8.5%	$2.6B+3.5%	$2.5B+4.2%	$2.4B+0.7%	$2.4B+6.5%	$2.2B+4.2%	$2.1B+3.6%	$2.1B+3.6%	$2.0B+2.3%	$1.9B	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.6B+13.7%	$3.4B+13.8%	$3.4B+16.2%	$3.3B+16.1%	$3.1B+16.2%	$3.0B+16.1%	$2.9B+16.9%	$2.9B+19.6%
Current Assets	$1.2B-5.0%	$1.2B+3.4%	$1.2B+4.7%	$1.5B+36.5%	$1.3B+24.4%	$1.1B+19.2%	$1.1B+23.1%	$1.1B+25.6%
Cash & Equivalents	$282.9M-21.0%	$268.6M+3.2%	$345.9M+15.9%	$568.6M+157.0%	$358.0M+109.8%	$260.4M+79.7%	$298.4M+107.1%	$221.2M+115.0%
Short-Term Investments	$61.7M+4.3%	$54.0M+1.9%	$33.9M-24.0%	$59.8M+23.2%	$59.2M+23.9%	$53.0M-30.9%	$44.6M-45.6%	$48.6M-30.4%
Accounts Receivable	$753.2M-2.1%	$743.2M+3.2%	$735.6M+4.0%	$780.5M+5.9%	$769.1M+8.6%	$719.9M+12.2%	$707.1M+13.1%	$737.0M+18.7%
Long-Term Investments	$1.3B+26.6%	$1.3B+23.7%	$1.3B+29.7%	$970.2M-3.0%	$1.0B+10.8%	$1.0B+17.3%	$991.7M+12.8%	$1.0B+18.3%
Total Liabilities	$1.1B+15.5%	$1.0B+13.6%	$1.1B+18.9%	$1.0B+10.8%	$943.7M+9.3%	$900.9M+8.6%	$901.4M+11.4%	$916.2M+17.1%
Current Liabilities	$968.4M+12.4%	$899.9M+10.8%	$945.6M+17.8%	$897.6M+11.2%	$861.7M+11.6%	$812.3M+11.7%	$802.5M+13.2%	$806.9M+18.5%
Non-Current Liabilities	$121.5M+48.2%	$123.3M+39.1%	$126.5M+28.0%	$117.9M+7.9%	$82.0M-9.8%	$88.6M-13.2%	$98.8M-1.3%	$109.3M+7.4%
Total Equity	$2.5B+12.9%	$2.4B+13.8%	$2.3B+14.9%	$2.3B+18.5%	$2.2B+19.5%	$2.1B+19.8%	$2.0B+19.5%	$1.9B+20.8%
Retained Earnings	$3.7B+9.2%	$3.5B+9.5%	$3.5B+9.5%	$3.5B+12.8%	$3.3B+12.6%	$3.2B+12.8%	$3.2B+12.8%	$3.1B+11.7%

Not reported in any period shown, so not listed: Inventory, Goodwill, Long-Term Debt.

ERIE Cash Flow Statement

ERIE quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$697.8M	$686.7M+12.3%	$611.2M+60.3%	$381.2M+4.1%	$366.2M-9.1%	$402.8M+17.6%	$342.6M-6.0%	$364.5M+38.3%	$263.6M+33.7%	$197.1M-22.5%	$254.3M+17.0%	$217.4M+16.9%	$186.0M-14.7%	$218.0M-62.2%	$577.0M+60.3%	$360.0M
Depreciation & Amortization	N/A	$69.5M+22.9%	$56.5M+19.2%	$47.4M+3.3%	$45.9M+23.4%	$37.2M+75.5%	$21.2M+26.2%	$16.8M+25.4%	$13.4M-9.5%	$14.8M-2.0%	$15.1M-5.0%	$15.9M+1.3%	$15.7M+4.7%	$15.0M-11.8%	$17.0M+325.0%	$4.0M
Capital Expenditures	$144.7M	$115.7M-7.3%	$124.8M+34.8%	$92.6M+37.9%	$67.2M-54.8%	$148.8M+168.0%	$55.5M-45.6%	$102.0M+81.3%	$56.3M+94.6%	$28.9M+14.8%	$25.2M	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	$553.1M	$571.0M+17.4%	$486.4M+68.6%	$288.6M-3.5%	$298.9M+17.7%	$254.0M-11.5%	$287.1M+9.4%	$262.5M+26.6%	$207.3M+23.2%	$168.2M-26.6%	$229.1M	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$537.4M	-$439.3M-93.6%	-$226.9M-44.0%	-$157.6M-47.4%	-$106.9M+42.4%	-$185.5M+23.7%	-$243.2M-95.2%	-$124.6M-53.1%	-$81.4M-9.0%	-$74.7M+45.5%	-$136.9M-22116.7%	$622K	N/A	N/A	N/A	N/A
Financing Cash Flow	-$235.5M	-$199.9M+13.1%	-$230.0M-3.8%	-$221.7M+26.3%	-$300.8M-54.4%	-$194.8M+29.1%	-$274.9M-62.1%	-$169.6M-29.0%	-$131.5M-37.2%	-$95.8M+13.8%	-$111.2M+12.3%	-$126.9M	N/A	N/A	N/A	N/A
Dividends Paid	$263.4M	$254.3M+7.1%	$237.5M+7.1%	$221.7M+7.2%	$206.8M+7.2%	$192.8M-29.4%	$272.9M+62.8%	$167.7M+7.1%	$156.5M+7.3%	$145.8M+7.2%	$136.0M+7.2%	$126.9M+7.0%	$118.5M+41.7%	$83.6M-63.5%	$229.0M+124.5%	$102.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0-100.0%	$19.7M-37.9%	$31.7M-54.7%	$70.0M-54.8%	$155.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$214.9M+21.0%	$91.9M-22.2%	$171.6M-11.3%	$219.4M+10.2%	$177.6M+35.1%	$118.1M+35.5%	$193.5M+30.3%	$199.2M+277.5%
Capital Expenditures	$41.5M+105.0%	$37.4M+26.1%	$30.8M-34.0%	$35.0M+26.3%	$20.3M-27.8%	$29.7M+32.2%	$46.6M+127.0%	$27.7M+2.3%
Free Cash Flow	$173.4M+10.2%	$54.5M-38.4%	$140.8M-4.1%	$184.4M+7.6%	$157.3M+52.2%	$88.4M+36.6%	$146.8M+14.8%	$171.5M+568.1%
Investing Cash Flow	-$145.9M-276.0%	-$88.7M+9.2%	-$338.3M-498.7%	$35.5M+139.1%	-$38.8M+26.3%	-$97.8M-262.1%	-$56.5M-9.0%	-$90.8M-142.3%
Financing Cash Flow	-$54.7M-33.1%	-$80.4M-37.8%	-$56.0M+6.4%	-$44.4M+23.2%	-$41.1M+22.5%	-$58.4M+1.7%	-$59.8M-7.8%	-$57.8M-4.3%
Dividends Paid	$68.1M+7.1%	$68.1M+7.1%	$63.6M+7.1%	$63.6M+7.1%	$63.6M+7.1%	$63.6M+7.1%	$59.4M+7.1%	$59.4M+7.1%

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Share Buybacks.

ERIE Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ERIE quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	17.6%-0.2pp	17.8%+1.9pp	15.9%+2.7pp	13.3%+1.2pp	12.1%-1.2pp	13.3%-1.1pp	14.4%0.0pp	14.4%-2.7pp	17.2%-1.2pp	18.4%+2.9pp	15.4%-0.4pp	15.8%-0.3pp	16.1%	N/A	N/A
Net Margin	13.8%-2.1pp	15.8%+2.2pp	13.7%+3.1pp	10.5%-0.8pp	11.3%-0.2pp	11.6%-1.2pp	12.8%+0.7pp	12.1%+0.5pp	11.6%-1.5pp	13.2%+1.6pp	11.6%-0.3pp	11.9%-0.6pp	12.5%+9.6pp	2.9%-0.6pp	3.5%
Return on Equity	24.5%-5.7pp	30.2%+3.4pp	26.8%+6.2pp	20.6%-1.6pp	22.2%-2.5pp	24.7%-3.3pp	28.0%-1.6pp	29.6%+6.6pp	23.0%-2.8pp	25.8%+3.0pp	22.7%-1.1pp	23.8%+1.7pp	22.1%-2.8pp	24.9%+3.3pp	21.6%
Return on Assets	16.7%-4.1pp	20.8%+2.7pp	18.0%+4.7pp	13.3%0.0pp	13.3%-0.6pp	13.9%-1.9pp	15.7%-0.5pp	16.2%+4.4pp	11.8%-1.8pp	13.6%+1.2pp	12.4%-0.3pp	12.7%+11.7pp	1.0%-0.1pp	1.0%-0.1pp	1.2%
Current Ratio	1.27-0.2x	1.43+0.1x	1.31+0.1x	1.170.0x	1.210.0x	1.17-0.3x	1.52-0.6x	2.14+0.6x	1.57+0.2x	1.420.0x	1.43+0.1x	1.33	N/A	N/A	N/A
Debt-to-Equity	0.470.0x	0.450.0x	0.49+0.5x	0.00-0.1x	0.070.0x	0.080.0x	0.080.0x	0.100.0x	0.09+0.1x	0.03-0.8x	0.830.0x	0.88-20.8x	21.72-1.3x	23.06+5.7x	17.37
Asset Turnover	1.21-0.1x	1.310.0x	1.32+0.1x	1.27+0.1x	1.170.0x	1.200.0x	1.23-0.1x	1.34+0.3x	1.020.0x	1.030.0x	1.070.0x	1.07+1.0x	0.08-0.3x	0.360.0x	0.34
FCF Margin	14.0%+1.2pp	12.8%+4.0pp	8.8%-1.7pp	10.5%+0.9pp	9.6%-1.7pp	11.3%+0.7pp	10.6%+1.9pp	8.7%-1.2pp	9.9%-4.4pp	14.3%	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	18.7%-0.1pp	16.5%+1.2pp	16.6%-1.5pp	19.6%+1.6pp	18.8%-0.4pp	15.3%-0.5pp	18.1%+2.6pp	18.0%+0.7pp
Net Margin	16.5%+0.1pp	14.9%+0.9pp	6.7%-9.8pp	17.1%+1.2pp	16.5%-0.1pp	14.0%-0.2pp	16.4%+2.9pp	16.0%+0.7pp
Return on Equity	7.3%-0.7pp	6.4%-0.3pp	2.8%-4.9pp	7.9%-0.3pp	8.0%-1.0pp	6.7%-0.5pp	7.6%+1.0pp	8.2%+0.1pp
Return on Assets	5.1%-0.5pp	4.5%-0.2pp	1.9%-3.4pp	5.5%-0.1pp	5.6%-0.5pp	4.7%-0.2pp	5.3%+0.8pp	5.6%+0.1pp
Current Ratio	1.25-0.2x	1.29-0.1x	1.27-0.2x	1.67+0.3x	1.47+0.2x	1.38+0.1x	1.43+0.1x	1.36+0.1x
Debt-to-Equity	0.440.0x	0.430.0x	0.470.0x	0.440.0x	0.430.0x	0.440.0x	0.450.0x	0.470.0x
Asset Turnover	0.310.0x	0.300.0x	0.280.0x	0.320.0x	0.340.0x	0.330.0x	0.320.0x	0.350.0x
FCF Margin	15.9%+1.1pp	5.4%-3.6pp	14.8%-1.1pp	17.3%+0.1pp	14.8%+4.4pp	8.9%+1.6pp	15.9%+0.3pp	17.2%+14.2pp

Not reported in any period shown, so not listed: Gross Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Erie Indemnity Co ERIE	FY2025	$4.1B	$559.3M	13.8%	$11.6B	—
Brown & Brown, Inc. BRO	FY2025	$5.9B	$1.1B	17.9%	$20.0B	41/100
Willis Towers Watson Public Limited Company WTW	FY2025	$9.7B	$1.6B	16.5%	$26.8B	16/100
Aon plc AON	FY2025	$17.2B	$3.7B	21.5%	$57.2B	18/100
Arthur J. Gallagher & Co. AJG	FY2025	$13.9B	$1.5B	10.7%	$58.0B	27/100
Marsh & McLennan Companies, Inc. MMC	FY2025	$27.0B	$4.2B	15.4%	$89.5B	28/100

Where Erie Indemnity Co Ranks

Frequently Asked Questions

What is Erie Indemnity Co's annual revenue?

Erie Indemnity Co (ERIE) reported $4.1B in total revenue for fiscal year 2025. This represents a 7.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Erie Indemnity Co's revenue growing?

Erie Indemnity Co (ERIE) revenue grew by 7.2% year-over-year, from $3.8B to $4.1B in fiscal year 2025.

Is Erie Indemnity Co profitable?

Yes, Erie Indemnity Co (ERIE) reported a net income of $559.3M in fiscal year 2025, with a net profit margin of 13.8%.

What is Erie Indemnity Co's EBITDA?

Erie Indemnity Co (ERIE) had EBITDA of $786.6M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Erie Indemnity Co's operating margin?

Erie Indemnity Co (ERIE) had an operating margin of 17.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Erie Indemnity Co's net profit margin?

Erie Indemnity Co (ERIE) had a net profit margin of 13.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Erie Indemnity Co's return on equity (ROE)?

Erie Indemnity Co (ERIE) has a return on equity of 24.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Erie Indemnity Co's free cash flow?

Erie Indemnity Co (ERIE) generated $571.0M in free cash flow during fiscal year 2025. This represents a 17.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Erie Indemnity Co's operating cash flow?

Erie Indemnity Co (ERIE) generated $686.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Erie Indemnity Co's total assets?

Erie Indemnity Co (ERIE) had $3.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Erie Indemnity Co's capital expenditures?

Erie Indemnity Co (ERIE) invested $115.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Erie Indemnity Co's current ratio?

Erie Indemnity Co (ERIE) had a current ratio of 1.27 as of fiscal year 2025, which is considered adequate.

What is Erie Indemnity Co's debt-to-equity ratio?

Erie Indemnity Co (ERIE) had a debt-to-equity ratio of 0.47 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Erie Indemnity Co's return on assets (ROA)?

Erie Indemnity Co (ERIE) had a return on assets of 16.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Erie Indemnity Co's P/E ratio?

Erie Indemnity Co (ERIE) trades at 20.1x earnings, its market capitalization divided by net income of $577.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $11.6B as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Erie Indemnity Co's price-to-sales ratio?

Erie Indemnity Co (ERIE) trades at 2.8x sales, its market capitalization divided by revenue of $4.1B revenue, trailing 12 months to June 30, 2026. The market capitalization is $11.6B as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Erie Indemnity Co's Piotroski F-Score?

Erie Indemnity Co (ERIE) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Erie Indemnity Co's earnings high quality?

Erie Indemnity Co (ERIE) has an earnings quality ratio of 1.23x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.