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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt No Debt
ERIE's Cash to Debt is ranked higher than
99% of the 613 Companies
in the Global Insurance Brokers industry.

( Industry Median: 9999.00 vs. ERIE: No Debt )
Ranked among companies with meaningful Cash to Debt only.
ERIE' s Cash to Debt Range Over the Past 10 Years
Min: 0.33  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.59
ERIE's Equity to Asset is ranked higher than
51% of the 615 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.59 vs. ERIE: 0.59 )
Ranked among companies with meaningful Equity to Asset only.
ERIE' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.39 Max: 0.59
Current: 0.59
0.04
0.59
F-Score: 7
WACC vs ROIC
5.47%
21.15%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 44.77
ERIE's Operating margin (%) is ranked higher than
76% of the 663 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.79 vs. ERIE: 44.77 )
Ranked among companies with meaningful Operating margin (%) only.
ERIE' s Operating margin (%) Range Over the Past 10 Years
Min: 7.42  Med: 16.81 Max: 24.99
Current: 44.77
7.42
24.99
Net-margin (%) 58.29
ERIE's Net-margin (%) is ranked higher than
89% of the 664 Companies
in the Global Insurance Brokers industry.

( Industry Median: 11.86 vs. ERIE: 58.29 )
Ranked among companies with meaningful Net-margin (%) only.
ERIE' s Net-margin (%) Range Over the Past 10 Years
Min: 2.6  Med: 4.98 Max: 18.81
Current: 58.29
2.6
18.81
ROE (%) 24.23
ERIE's ROE (%) is ranked higher than
89% of the 667 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.61 vs. ERIE: 24.23 )
Ranked among companies with meaningful ROE (%) only.
ERIE' s ROE (%) Range Over the Past 10 Years
Min: 7.51  Med: 19.60 Max: 23.72
Current: 24.23
7.51
23.72
ROA (%) 1.59
ERIE's ROA (%) is ranked higher than
51% of the 680 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.50 vs. ERIE: 1.59 )
Ranked among companies with meaningful ROA (%) only.
ERIE' s ROA (%) Range Over the Past 10 Years
Min: 1.02  Med: 1.62 Max: 12.81
Current: 1.59
1.02
12.81
Revenue Growth (3Y)(%) -34.20
ERIE's Revenue Growth (3Y)(%) is ranked lower than
91% of the 524 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.90 vs. ERIE: -34.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ERIE' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.2  Med: 8.60 Max: 74.1
Current: -34.2
-34.2
74.1
EBITDA Growth (3Y)(%) -32.00
ERIE's EBITDA Growth (3Y)(%) is ranked lower than
87% of the 395 Companies
in the Global Insurance Brokers industry.

( Industry Median: 9.60 vs. ERIE: -32.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ERIE' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -32  Med: 7.00 Max: 72.9
Current: -32
-32
72.9
EPS Growth (3Y)(%) 3.60
ERIE's EPS Growth (3Y)(%) is ranked lower than
57% of the 382 Companies
in the Global Insurance Brokers industry.

( Industry Median: 8.30 vs. ERIE: 3.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ERIE' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -29  Med: 3.60 Max: 37
Current: 3.6
-29
37
» ERIE's 10-Y Financials

Financials (Next Earnings Date: 2016-07-29)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

ERIE Guru Trades in Q2 2015

Jim Simons 16,271 sh (+61.56%)
Murray Stahl 11,200 sh (+17.44%)
Chuck Royce 549,800 sh (-23.42%)
» More
Q3 2015

ERIE Guru Trades in Q3 2015

Ray Dalio 2,527 sh (New)
Jim Simons 70,471 sh (+333.11%)
Chuck Royce 449,200 sh (-18.30%)
Murray Stahl 8,731 sh (-22.04%)
» More
Q4 2015

ERIE Guru Trades in Q4 2015

Chuck Royce 449,200 sh (unchged)
Ray Dalio Sold Out
Murray Stahl 6,174 sh (-29.29%)
Jim Simons 46,700 sh (-33.73%)
» More
Q1 2016

ERIE Guru Trades in Q1 2016

Paul Tudor Jones 6,400 sh (New)
Jim Simons 96,771 sh (+107.22%)
Chuck Royce 413,100 sh (-8.04%)
Murray Stahl 5,526 sh (-10.50%)
» More
» Details

Insider Trades

Latest Guru Trades with ERIE

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Brokers & Exchanges » Insurance Brokers
Compare:NYSE:BRO, OTCPK:LLTHF, NYSE:EXAM, NAS:CRVL, NYSE:CRD.B, NAS:CISG, NYSE:AJG, NAS:EHTH, NYSE:PN, NAS:KINS, OTCPK:HUTN, NAS:WLTW, NYSE:AON, NYSE:MMC » details
Erie Indemnity Co provides sales, underwriting and policy issuance services to the policyholders of Erie Insurance Exchange. It also operates as a property & casualty insurer through its wholly-owned subsidiaries.

Erie Indemnity Co is a Pennsylvania business corporation incorporated in 1925. It has been the managing attorney-in-fact for the subscribers "policyholders" at the Erie Insurance Exchange "Exchange" since 1925. The Exchange is a subscriber owned, Pennsylvania-domiciled, reciprocal insurer that writes property and casualty insurance. This is done in accordance with a subscribers' agreement', a "limited power of attorney" executed by each subscriber "policyholder", appointing the Company as their common attorney-in-fact to transact business on their behalf and to manage their affairs at the Exchange. The property and casualty insurance operations generate revenue, which accrues to the non-controlling interest, by insuring preferred and standard risks, with personal lines comprising 71% of the 2013 direct written premiums and commercial lines comprising the remaining 29%. Its life insurance operations generate revenue from the sale of individual and group life insurance policies and fixed annuities. These products are offered through the property and casualty insurance agency force to provide an opportunity to cross-sell both personal and commercial accounts. Its investment operations generate revenue from its fixed maturity, equity security and alternative investment portfolios. Property and casualty insurers are subject to extensive supervision in the states in which do business. Property and casualty insurers generally compete on the basis of customer service, price, consumer recognition, coverages offered, claims handling, financial stability and geographic coverage. Property and casualty insurers are subject to supervision and regulation in the states in which transact business.

Ratios

vs
industry
vs
history
P/E(ttm) 28.36
ERIE's P/E(ttm) is ranked lower than
71% of the 522 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.97 vs. ERIE: 28.36 )
Ranked among companies with meaningful P/E(ttm) only.
ERIE' s P/E(ttm) Range Over the Past 10 Years
Min: 14.13  Med: 23.26 Max: 54.51
Current: 28.36
14.13
54.51
PE(NRI) 29.28
ERIE's PE(NRI) is ranked lower than
71% of the 495 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.56 vs. ERIE: 29.28 )
Ranked among companies with meaningful PE(NRI) only.
ERIE' s PE(NRI) Range Over the Past 10 Years
Min: 14.11  Med: 23.39 Max: 53.53
Current: 29.28
14.11
53.53
Price/Owner Earnings (ttm) 31.49
ERIE's Price/Owner Earnings (ttm) is ranked lower than
80% of the 212 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.30 vs. ERIE: 31.49 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ERIE' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 13.11  Med: 27.02 Max: 393.19
Current: 31.49
13.11
393.19
P/B 5.72
ERIE's P/B is ranked lower than
89% of the 677 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.11 vs. ERIE: 5.72 )
Ranked among companies with meaningful P/B only.
ERIE' s P/B Range Over the Past 10 Years
Min: 2.06  Med: 3.77 Max: 6.08
Current: 5.72
2.06
6.08
P/S 37.41
ERIE's P/S is ranked lower than
94% of the 650 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.49 vs. ERIE: 37.41 )
Ranked among companies with meaningful P/S only.
ERIE' s P/S Range Over the Past 10 Years
Min: 0.49  Med: 2.48 Max: 71.49
Current: 37.41
0.49
71.49
PFCF 31.12
ERIE's PFCF is ranked lower than
82% of the 205 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.16 vs. ERIE: 31.12 )
Ranked among companies with meaningful PFCF only.
ERIE' s PFCF Range Over the Past 10 Years
Min: 2.43  Med: 14.70 Max: 310.43
Current: 31.12
2.43
310.43
POCF 29.18
ERIE's POCF is ranked lower than
83% of the 243 Companies
in the Global Insurance Brokers industry.

( Industry Median: 11.34 vs. ERIE: 29.18 )
Ranked among companies with meaningful POCF only.
ERIE' s POCF Range Over the Past 10 Years
Min: 2.4  Med: 12.58 Max: 73.74
Current: 29.18
2.4
73.74
EV-to-EBIT 31.62
ERIE's EV-to-EBIT is ranked lower than
73% of the 502 Companies
in the Global Insurance Brokers industry.

( Industry Median: 15.36 vs. ERIE: 31.62 )
Ranked among companies with meaningful EV-to-EBIT only.
ERIE' s EV-to-EBIT Range Over the Past 10 Years
Min: -317  Med: 13.00 Max: 76.1
Current: 31.62
-317
76.1
EV-to-EBITDA 31.62
ERIE's EV-to-EBITDA is ranked lower than
78% of the 519 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.41 vs. ERIE: 31.62 )
Ranked among companies with meaningful EV-to-EBITDA only.
ERIE' s EV-to-EBITDA Range Over the Past 10 Years
Min: -317  Med: 12.80 Max: 76.1
Current: 31.62
-317
76.1
Shiller P/E 32.15
ERIE's Shiller P/E is ranked lower than
81% of the 83 Companies
in the Global Insurance Brokers industry.

( Industry Median: 22.37 vs. ERIE: 32.15 )
Ranked among companies with meaningful Shiller P/E only.
ERIE' s Shiller P/E Range Over the Past 10 Years
Min: 10.42  Med: 22.30 Max: 33.39
Current: 32.15
10.42
33.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.93
ERIE's Dividend Yield is ranked lower than
59% of the 451 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.37 vs. ERIE: 2.93 )
Ranked among companies with meaningful Dividend Yield only.
ERIE' s Dividend Yield Range Over the Past 10 Years
Min: 2.45  Med: 3.08 Max: 6.08
Current: 2.93
2.45
6.08
Dividend Payout 0.81
ERIE's Dividend Payout is ranked lower than
74% of the 276 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.43 vs. ERIE: 0.81 )
Ranked among companies with meaningful Dividend Payout only.
ERIE' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.44 Max: 6.29
Current: 0.81
0.21
6.29
Dividend Growth (3y) 7.20
ERIE's Dividend Growth (3y) is ranked higher than
52% of the 211 Companies
in the Global Insurance Brokers industry.

( Industry Median: 6.30 vs. ERIE: 7.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ERIE' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 5.8  Med: 12.00 Max: 24
Current: 7.2
5.8
24
Forward Dividend Yield 2.98
ERIE's Forward Dividend Yield is ranked lower than
57% of the 427 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.41 vs. ERIE: 2.98 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.15
ERIE's Yield on cost (5-Year) is ranked higher than
56% of the 554 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.90 vs. ERIE: 4.15 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ERIE' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.47  Med: 4.36 Max: 8.61
Current: 4.15
3.47
8.61
3-Year Average Share Buyback Ratio 0.50
ERIE's 3-Year Average Share Buyback Ratio is ranked higher than
79% of the 299 Companies
in the Global Insurance Brokers industry.

( Industry Median: -2.20 vs. ERIE: 0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ERIE' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0.3  Med: 1.40 Max: 7.1
Current: 0.5
0.3
7.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 5.76
ERIE's Price/Tangible Book is ranked lower than
86% of the 636 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.12 vs. ERIE: 5.76 )
Ranked among companies with meaningful Price/Tangible Book only.
ERIE' s Price/Tangible Book Range Over the Past 10 Years
Min: 2.19  Med: 3.18 Max: 8.15
Current: 5.76
2.19
8.15
Price/Projected FCF 1.50
ERIE's Price/Projected FCF is ranked lower than
65% of the 227 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.99 vs. ERIE: 1.50 )
Ranked among companies with meaningful Price/Projected FCF only.
ERIE' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.38  Med: 1.04 Max: 1.81
Current: 1.5
0.38
1.81
Price/Median PS Value 15.07
ERIE's Price/Median PS Value is ranked lower than
100% of the 611 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.95 vs. ERIE: 15.07 )
Ranked among companies with meaningful Price/Median PS Value only.
ERIE' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.21  Med: 1.25 Max: 26.08
Current: 15.07
0.21
26.08
Price/Graham Number 2.74
ERIE's Price/Graham Number is ranked lower than
84% of the 426 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.04 vs. ERIE: 2.74 )
Ranked among companies with meaningful Price/Graham Number only.
ERIE' s Price/Graham Number Range Over the Past 10 Years
Min: 1.24  Med: 1.64 Max: 3.34
Current: 2.74
1.24
3.34
Earnings Yield (Greenblatt) (%) 3.18
ERIE's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 684 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.87 vs. ERIE: 3.18 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ERIE' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 6.70 Max: 15.3
Current: 3.18
1.3
15.3
Forward Rate of Return (Yacktman) (%) 4.08
ERIE's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 187 Companies
in the Global Insurance Brokers industry.

( Industry Median: 10.47 vs. ERIE: 4.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ERIE' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.2  Med: 18.00 Max: 85.1
Current: 4.08
-2.2
85.1

More Statistics

Revenue (TTM) (Mil) $311.5
EPS (TTM) $ 3.45
Beta0.52
Short Percentage of Float0.57%
52-Week Range $79.39 - 101.80
Shares Outstanding (Mil)46.19
» More Articles for ERIE

Headlines

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More From Other Websites
Erie Indemnity posts 2Q profit Jul 28 2016
Erie Indemnity posts 2Q profit Jul 28 2016
ERIE INDEMNITY CO Files SEC form 8-K, Results of Operations and Financial Condition, Change in... Jul 28 2016
NeCastro takes on CEO role at Erie Insurance Jul 28 2016
Erie Indemnity Reports Second Quarter 2016 Results Jul 28 2016
Erie Indemnity Reports Second Quarter 2016 Results Jul 28 2016
NeCastro takes on CEO role at Erie Insurance Jul 28 2016
CFO Moves: Waste Management, Erie Indemnity Jul 28 2016
Q2 2016 Erie Indemnity Co Earnings Release - After Market Close Jul 28 2016
ERIE INDEMNITY CO Files SEC form 8-K, Change in Directors or Principal Officers, Other Events,... Jul 27 2016
Erie Indemnity Company names Chief Financial Officer Jul 27 2016
Erie Indemnity Company names Chief Financial Officer Jul 27 2016
10:30 am Erie Indemnity promotes interim CFO Gregory Gutting to permanent CFO, effective August 1 Jul 27 2016
Insurance Brokers Q2 Earnings Preview: EHTH, ERIE, AJG, MMC Jul 27 2016
Erie Indemnity Co. breached its 50 day moving average in a Bearish Manner : ERIE-US : July 19, 2016 Jul 19 2016
Erie Indemnity to host second quarter 2016 conference call and webcast Jul 13 2016
Erie Indemnity to host second quarter 2016 conference call and webcast Jul 13 2016
ERIE INDEMNITY CO Files SEC form 8-K, Change in Directors or Principal Officers Jul 06 2016
ERIE INDEMNITY CO Files SEC form 8-K, Change in Directors or Principal Officers Jun 29 2016
Erie Indemnity Co. breached its 50 day moving average in a Bearish Manner : ERIE-US : June 28, 2016 Jun 28 2016

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