Erie Indemnity Company (ERIE) Stock Price & Analysis
Erie Indemnity Company (ERIE) — MoonshotScore 67/100 (Strong band), calculated Oct 5, 2026. Price $221.09 (-0.46%), as of the Oct 2, 2026 trading session; market cap $10.2B. Expected results Oct 29, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 29.60× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Oct 29, 2026
Erie Indemnity Company · ERIE · NASDAQ · Financial Services · Insurance - Property & Casualty
Research dated 2026-09-13: Erie Indemnity runs the operating machinery of the Erie Insurance Exchange as its attorney-in-fact, handling policy issuance, renewals, sales support, underwriting administration, customer service and technology. Policy issuance and renewal work dominates reported revenue, so durability depends on Exchange activity translating into growing service revenue without renewed profit compression.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Erie Indemnity Company (ERIE)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and durable growth, though the balance sheet is only decent, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Sound; Valuation: Fair; Growth Durability: Growing; Momentum: Falling.
- quarterly revenue $1.09B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 4 of 8
- expected results Oct 29, 2026
Holding back: weak price trend
Helping: business quality, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 70 | Strong | |
| 69 | Strong | |
| 69 | Strong | |
| 69 | Strong | |
| 66 | Strong | |
| 66 | Strong |
The score was 67 in the stored Oct 4, 2026 snapshot and remains 67 in the current publication computed Oct 5, 2026 (0); the largest pillar moves were Growth Durability +8 and Momentum -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $221.09 | |
| Change on the day | -0.46% | |
| 52-week range | $204.63 – $330.54 | |
| Market capitalisation | $10.2B | |
| Price / earnings (trailing) | 17.84 | |
| Shares traded on the day | 143.8K | |
| Beta (volatility vs the S&P 500) | 0.31 | |
| Dividends per share (last 12 months) | $7.21 | |
| Dividend yield (last 12 months) | 3.26% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Chronological order, not a duration scale. The provider's estimated date can change.
What to watch nextOther perspectives
Council score for Erie Indemnity Company (ERIE): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 28, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the ERIE film — every key number, told as a short cinematic story
~2 min · open the film
What is Erie Indemnity Company (ERIE), and what does it report?
Short answer · as of
Although classified with property-and-casualty insurers, Erie Indemnity reports the economics of managing insurance operations for Exchange subscribers.
Research dated 2026-09-13.
Although classified with property-and-casualty insurers, Erie Indemnity reports the economics of managing insurance operations for Exchange subscribers. Its revenue measures services such as issuing and renewing policies, supporting agents, processing underwriting work and providing administrative and technology functions.
Policy issuance and renewal services dwarf the separate service-agreement line. The reported mix is therefore concentrated around maintaining and servicing the Exchange’s policy base rather than spread across a broad collection of unrelated businesses.
What do the latest results show for Erie Indemnity Company (ERIE)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.09B.
Research dated 2026-09-13.
The latest quarter brought higher revenue, operating profit, net income and diluted earnings compared with the preceding period. Revenue and profit also improved against the comparable prior period, while the latest release cleared published revenue and earnings expectations after a run containing several misses.
That quarterly recovery follows an annual result in which revenue advanced but net income declined. Since issuance and renewal services dominate the mix, continued top-line progress must come through that operating channel; the remaining question is how reliably service growth converts into profit and cash.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.09B Jun 30, 2026
- Latest quarter · SG&A
- $0.00 Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $204.12M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.09B | Not available | $0.00 | $204.12M |
| Mar 31, 2026 | $1.01B | Not available | $19.48M | $166.02M |
| Dec 31, 2025 | $951.20M | Not available | $19.29M | $157.74M |
| Sep 30, 2025 | $1.07B | Not available | $0.00 | $210.25M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.09B Jul 30, 2026
- Latest report · revenue estimate
- $1.09B Jul 30, 2026
- Latest report · revenue vs estimate
- In line Jul 30, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 30, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 30, 2026 | $1.09B | $1.09B | $3.4500 | $3.3500 |
| Apr 23, 2026 | $1.01B | $1.09B | $2.8800 | $3.0600 |
| Feb 23, 2026 | $951.02M | $975.56M | −$0.3300 | $1.5900 |
| Oct 30, 2025 | $1.30B | $975.56M | $3.5000 | $3.3700 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.09B | $180M | $3.45 (diluted) |
| Q1 FY2026 | $1.01B | $150M | $2.86 (diluted) |
| Q4 FY2025 | $951M | $63M | $1.20 (diluted) |
| Q3 FY2025 | $1.07B | $183M | $3.47 (diluted) |
What are the financial strengths and risks for Erie Indemnity Company (ERIE)?
Short answer
Cash and short-term investments were $344.62M at the Jun 30, 2026 balance-sheet date. Operating cash flow was $214.92M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Cash and investments substantially exceed debt, liquidity ratios stand above parity, and recent operating cash flow has remained positive after capital spending. Distress and quality screens reinforce the picture of a profitable, lightly leveraged service operator.
The cash balance has moved sharply between reporting periods, while total liabilities remain much larger than available cash and investments. More importantly, revenue concentration creates a direct business risk: weaker policy issuance or renewal activity at the Exchange would pressure the stream that supplies almost all segment revenue.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $214.92M Jun 30, 2026
- Previous quarter · operating cash flow
- $91.89M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $214.92M | −$41.52M |
| Mar 31, 2026 | $91.89M | −$37.41M |
| Dec 31, 2025 | $171.56M | −$30.77M |
| Sep 30, 2025 | $219.41M | −$34.99M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Erie Indemnity Company (ERIE)?
Short answer · as of
The next earnings report is expected on Oct 29, 2026.
Research dated 2026-09-13.
At the coming release, compare revenue, operating profit and diluted earnings with the latest rebound and with the uneven history of estimate beats and misses. The published annual outlook reflects narrow analyst coverage, making reported operating progression more informative than the appearance of broad consensus.
Cash conversion deserves equal attention. Operating cash flow should continue to cover capital spending while liquidity remains comfortably above debt; a renewed profit decline alongside revenue growth would repeat the unfavorable annual divergence. The declared dividend maintains the recent payout rate after an earlier increase, so distribution continuity should be viewed alongside cash generation rather than in isolation.
How does Erie Indemnity Company compare with its peers?
Short answer
Erie Indemnity Company's score ranks 11th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Erie Indemnity differs from a conventional property-and-casualty carrier because its operating identity is tied to serving a particular reciprocal exchange as attorney-in-fact. The relevant economic unit is the work required to issue, renew and administer Exchange policies, supported by agent, customer and technology services.
That structure produces an unusually concentrated reporting mix. Comparison with similar service businesses should emphasize renewal activity, operating conversion and dependence on the Exchange relationship rather than treating ERIE as a diversified collection of insurance lines.
| Company | Price | Market value | Score |
|---|---|---|---|
| $221.35 Oct 5, 2026 | $7.64B | 96 5-pillar Oct 5, 2026 | |
| $102.56 Oct 5, 2026 | $5.66B | 96 5-pillar Oct 5, 2026 | |
| $369.60 Oct 5, 2026 | $14.6B | 92 5-pillar Oct 5, 2026 | |
| $14.90 Oct 5, 2026 | $5.33B | 92 5-pillar Oct 5, 2026 | |
| $127.75 Oct 5, 2026 | $17.3B | 89 5-pillar Oct 5, 2026 | |
| $55.79 Oct 5, 2026 | $5.13B | 88 5-pillar Oct 5, 2026 | |
| $2035.75 Oct 5, 2026 | $5.01B | 86 5-pillar Oct 5, 2026 | |
| $96.44 Oct 5, 2026 | $60.8B | 84 5-pillar Oct 5, 2026 | |
| $140.31 Oct 5, 2026 | $11.6B | 82 5-pillar Oct 5, 2026 | |
| $333.16 Oct 5, 2026 | $7.51B | 78 5-pillar Oct 5, 2026 | |
| Erie Indemnity Company (ERIE) — this page | $221.09 | $10.2B | 67 |
| $46.44 Oct 5, 2026 | $12.5B | 65 5-pillar Oct 5, 2026 | |
| $1739.18 Oct 5, 2026 | $21.5B | 63 5-pillar Oct 5, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Sep 30, 2026
- Transactions
- 59
- Identified insiders
- 22
- Purchases
- 3
- Sales
- 1
- Other transactions
- 55
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 47.1% Period end Jun 30, 2026
- Previous quarter · ownership
- 43.0% Prior to period end Jun 30, 2026
- Reporting holders
- 451 Period end Jun 30, 2026
- Previous quarter · holders
- 411 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Pnc Financial Services Group, INC. | 4,826,778 |
| Blackrock, INC. | 1,674,602 |
| Vanguard Capital Management LLC | 1,635,926 |
| State Street Corp | 1,437,522 |
| Vanguard Portfolio Management LLC | 1,111,008 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
Erie Indemnity Company Financial Services Stock: Key Questions Answered
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
What does Erie Indemnity do for Erie Insurance Exchange subscribers?
It acts as attorney-in-fact and supplies policy issuance, renewal, sales support, underwriting processing, customer service, administration and technology services. Those activities, rather than a broad portfolio of unrelated insurance lines, define ERIE’s reported business.
Why do policy issuance and renewal services dominate Erie Indemnity revenue?
They are the core services ERIE performs for the Exchange and account for nearly all reported segment revenue. Changes in that activity therefore carry far more financial weight than the separate service-agreement line.
How does the Erie Insurance Exchange relationship shape ERIE results?
The Exchange is the organizing center of ERIE’s business model: policy administration, agent support, underwriting processing and customer services are delivered around its subscribers. That creates recurring service activity but also concentrates ERIE’s economics around the health and activity of the same operating system.
Did Erie Indemnity earnings recover from the preceding weakness?
The latest period showed a clear rebound in revenue, operating profit, net income and diluted earnings, accompanied by stronger operating cash flow. It also exceeded published revenue and earnings expectations after weaker reports, though the earlier annual gap between revenue growth and profit remains relevant.
What is the ERIE stock price today?
The last price recorded on this page for Erie Indemnity Company (ERIE) is $221.09, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
When are ERIE's next earnings?
The next earnings date listed on this page for Erie Indemnity Company (ERIE) is Oct 29, 2026. Companies sometimes move report dates, so the company's own announcement is the final word on timing.
Does ERIE pay a dividend?
Yes. Erie Indemnity Company (ERIE) shows a trailing 12-month dividend yield of 3.26%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (76 figures)
The 76 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Erie, PA | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "100 Erie Insurance Place, Erie, PA, 16530, US". |
FMP — 65 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $221.09 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T21:14:22.134Z. | |
px.change | Change on the day | -0.46% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $10.2B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:01.000Z. Captured from FMP at 2026-10-04T21:14:21.172Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$1.02 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.09B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 17.84 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 143.8K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.31 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Timothy G. NeCastro | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 6,667 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $2.63B, net result $297.86M; FY2022 revenue $2.84B, net result $298.57M; FY2023 revenue $3.27B, net result $446.06M; FY2024 revenue $3.80B, net result $600.31M; FY2025 revenue $4.07B, net result $559.34M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Service Agreement $24.75M · Policy Issuance and Renewal Services $3.13B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 16.5% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.09B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $204.12M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.01B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $19.48M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $166.02M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $951.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $19.29M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $157.74M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $1.07B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $210.25M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-30.revenue_actual | Revenue · reported — report date 2026-07-30 | $1.09B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.revenue_estimated | Revenue · estimate — report date 2026-07-30 | $1.09B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_actual | EPS · reported — report date 2026-07-30 | $3.4500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_estimated | EPS · estimate — report date 2026-07-30 | $3.3500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_actual | Revenue · reported — report date 2026-04-23 | $1.01B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_estimated | Revenue · estimate — report date 2026-04-23 | $1.09B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_actual | EPS · reported — report date 2026-04-23 | $2.8800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_estimated | EPS · estimate — report date 2026-04-23 | $3.0600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-23.revenue_actual | Revenue · reported — report date 2026-02-23 | $951.02M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-23.revenue_estimated | Revenue · estimate — report date 2026-02-23 | $975.56M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-23.eps_actual | EPS · reported — report date 2026-02-23 | −$0.3300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-23.eps_estimated | EPS · estimate — report date 2026-02-23 | $1.5900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.revenue_actual | Revenue · reported — report date 2025-10-30 | $1.30B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.revenue_estimated | Revenue · estimate — report date 2025-10-30 | $975.56M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.eps_actual | EPS · reported — report date 2025-10-30 | $3.5000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.eps_estimated | EPS · estimate — report date 2025-10-30 | $3.3700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $344.62M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $214.92M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $150.52M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $63.16M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 4.14× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $214.92M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $91.89M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$41.52M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$37.41M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $171.56M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$30.77M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $219.41M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$34.99M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
own.insiders | Insider transactions via FMP | 59 transactions · 3 purchases, 1 sales, 55 other transactions · 22 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Sep 30, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 47.1% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 43.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 451 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 411 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Pnc Financial Services Group, INC. — shares in provider snapshot | 4,826,778 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Blackrock, INC. — shares in provider snapshot | 1,674,602 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Vanguard Capital Management LLC — shares in provider snapshot | 1,635,926 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | State Street Corp — shares in provider snapshot | 1,437,522 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 1,111,008 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 29, 2026 | UNRECORDED | Stored earnings-calendar observation — Captured 2026-09-14 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 4 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-15 · Expired observation | |
px.range52 | 52-week range | $204.63 – $330.54 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 29.60× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $344.62M at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $7.21 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 5 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 3.26% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-30.revenue_actual.comparison | Latest report · revenue vs estimate | In line | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.09B) with the recorded estimate ($1.09B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-30.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($3.4500) with the recorded estimate ($3.3500) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 67 of 100 · Strong · pillars 93 / 66 / 65 / 72 / 6 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 67 (stored snapshot Oct 4, 2026) → 67 (current publication computed Oct 5, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-30. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-30.revenue_actual,earn.history.depth.2026-07-30.revenue_estimated,earn.history.depth.2026-07-30.revenue_actual.comparison,earn.history.depth.2026-07-30.eps_actual.comparison,earn.history.depth.2026-07-30.eps_actual,earn.history.depth.2026-07-30.eps_estimated,earn.history.depth.2026-04-23.revenue_actual,earn.history.depth.2026-04-23.revenue_estimated,earn.history.depth.2026-04-23.eps_actual,earn.history.depth.2026-04-23.eps_estimated,earn.history.depth.2026-02-23.revenue_actual,earn.history.depth.2026-02-23.revenue_estimated,earn.history.depth.2026-02-23.eps_actual,earn.history.depth.2026-02-23.eps_estimated,earn.history.depth.2025-10-30.revenue_actual,earn.history.depth.2025-10-30.revenue_estimated,earn.history.depth.2025-10-30.eps_actual,earn.history.depth.2025-10-30.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Service Agreement: $24.75M; Policy Issuance and Renewal Services: $3.13B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Sector / industry (provider taxonomy) | Financial Services / Insurance - Property & Casualty The company's SEC filings classify it under SIC 6411 — Insurance Agents, Brokers & Service. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-30 | FMP | Financial Modeling Prep (FMP) earnings |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Most recent periodic reports | 2026-07-30 | OFFICIAL | SEC EDGAR filer submissions | |
| Cash, investments and debt | Total debt: $63.16M; Liquidity basis: cash and short-term investments; Total liabilities: $1.09B; Cash and short-term investments: $344.62M; Cash and investments: $495.10M; Long-term investments: $150.52M; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $495.10M; Cash and short-term investments: $344.60M; Long-term investments: $150.50M; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Trailing twelve-month ratio set | Quick ratio: 1.25; Current ratio: 1.25; Debt to equity: 0.03; Net margin: 14%; Gross margin: 16.5%; Operating margin: 17.9%; Return on assets: 16.2%; Return on equity: 24.5% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 9.46; Piotroski F-score: 6 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-10-29; EPS estimate: $3.41 per share; Revenue estimate: $1.09B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
At most 1 analyst contributed — treat this as thin coverage, not a consensus. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Next scheduled dividend | Ex date: 2026-10-05; Declared on: 2026-07-28; Record date: 2026-10-05; Payment date: 2026-10-20; Amount per share: $1.46 Amount is per share as declared, before any withholding. Owning the share before the ex-date is what carries entitlement. | 2026-07-28 | FMP | Financial Modeling Prep (FMP) dividend calendar |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-07-07 | FMP | Financial Modeling Prep (FMP) dividend history |
Data provided for informational purposes only.