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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 : 8/10

vs
industry
vs
history
Cash to Debt No Debt
ERIE's Cash to Debt is ranked higher than
73% of the 677 Companies
in the Global Insurance Brokers industry.

( Industry Median: 161.88 vs. ERIE: No Debt )
ERIE' s 10-Year Cash to Debt Range
Min: 0.33   Max: No Debt
Current: No Debt

Equity to Asset 0.04
ERIE's Equity to Asset is ranked lower than
67% of the 556 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.35 vs. ERIE: 0.04 )
ERIE' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.46
Current: 0.04

0.04
0.46
Interest Coverage No Debt
ERIE's Interest Coverage is ranked higher than
79% of the 526 Companies
in the Global Insurance Brokers industry.

( Industry Median: 160.75 vs. ERIE: No Debt )
ERIE' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 4
Z-Score: 0.79
WACC vs ROIC
6.40%
170.44%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 13.55
ERIE's Operating margin (%) is ranked higher than
63% of the 726 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.70 vs. ERIE: 13.55 )
ERIE' s 10-Year Operating margin (%) Range
Min: 7.42   Max: 29.41
Current: 13.55

7.42
29.41
Net-margin (%) 2.74
ERIE's Net-margin (%) is ranked lower than
51% of the 729 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.53 vs. ERIE: 2.74 )
ERIE' s 10-Year Net-margin (%) Range
Min: 2.54   Max: 21.83
Current: 2.74

2.54
21.83
ROE (%) 22.67
ERIE's ROE (%) is ranked higher than
89% of the 737 Companies
in the Global Insurance Brokers industry.

( Industry Median: 7.99 vs. ERIE: 22.67 )
ERIE' s 10-Year ROE (%) Range
Min: 7.51   Max: 26.62
Current: 22.67

7.51
26.62
ROA (%) 0.97
ERIE's ROA (%) is ranked higher than
55% of the 742 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.32 vs. ERIE: 0.97 )
ERIE' s 10-Year ROA (%) Range
Min: 0.98   Max: 9.8
Current: 0.97

0.98
9.8
Revenue Growth (3Y)(%) 9.90
ERIE's Revenue Growth (3Y)(%) is ranked higher than
78% of the 598 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.10 vs. ERIE: 9.90 )
ERIE' s 10-Year Revenue Growth (3Y)(%) Range
Min: 4.5   Max: 67.8
Current: 9.9

4.5
67.8
EBITDA Growth (3Y)(%) 35.10
ERIE's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 448 Companies
in the Global Insurance Brokers industry.

( Industry Median: -0.50 vs. ERIE: 35.10 )
ERIE' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 47.7
Current: 35.1

0
47.7
EPS Growth (3Y)(%) 1.30
ERIE's EPS Growth (3Y)(%) is ranked higher than
69% of the 446 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.60 vs. ERIE: 1.30 )
ERIE' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.1   Max: 37.2
Current: 1.3

-29.1
37.2
» ERIE's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

ERIE Guru Trades in Q1 2014

Jim Simons 35,088 sh (+73.09%)
Chuck Royce 939,600 sh (unchged)
Joel Greenblatt Sold Out
» More
Q2 2014

ERIE Guru Trades in Q2 2014

Murray Stahl 10,433 sh (New)
Chuck Royce 939,600 sh (unchged)
Jim Simons 12,368 sh (-64.75%)
» More
Q3 2014

ERIE Guru Trades in Q3 2014

Murray Stahl 10,749 sh (+3.03%)
Jim Simons 12,571 sh (+1.64%)
Chuck Royce 939,600 sh (unchged)
» More
Q4 2014

ERIE Guru Trades in Q4 2014

Jim Simons 12,695 sh (+0.99%)
Murray Stahl 9,494 sh (-11.68%)
Chuck Royce 785,400 sh (-16.41%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 26.30
ERIE's P/E(ttm) is ranked higher than
68% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 34.10 vs. ERIE: 26.30 )
ERIE' s 10-Year P/E(ttm) Range
Min: 14.13   Max: 54.51
Current: 26.3

14.13
54.51
Forward P/E 27.78
ERIE's Forward P/E is ranked higher than
78% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 27.78 )
N/A
PE(NRI) 27.10
ERIE's PE(NRI) is ranked higher than
71% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 34.50 vs. ERIE: 27.10 )
ERIE' s 10-Year PE(NRI) Range
Min: 14.11   Max: 54.28
Current: 27.1

14.11
54.28
P/B 5.50
ERIE's P/B is ranked lower than
59% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.83 vs. ERIE: 5.50 )
ERIE' s 10-Year P/B Range
Min: 2.06   Max: 6.08
Current: 5.5

2.06
6.08
P/S 0.73
ERIE's P/S is ranked higher than
90% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 5.35 vs. ERIE: 0.73 )
ERIE' s 10-Year P/S Range
Min: 0.49   Max: 3.38
Current: 0.73

0.49
3.38
PFCF 6.10
ERIE's PFCF is ranked higher than
93% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 6.10 )
ERIE' s 10-Year PFCF Range
Min: 2.44   Max: 295.82
Current: 6.1

2.44
295.82
POCF 5.85
ERIE's POCF is ranked higher than
92% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 5.85 )
ERIE' s 10-Year POCF Range
Min: 2.39   Max: 21.23
Current: 5.85

2.39
21.23
EV-to-EBIT 13.08
ERIE's EV-to-EBIT is ranked higher than
85% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 44.49 vs. ERIE: 13.08 )
ERIE' s 10-Year EV-to-EBIT Range
Min: -35   Max: 27.2
Current: 13.08

-35
27.2
PEG 1.63
ERIE's PEG is ranked higher than
95% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 1.63 )
ERIE' s 10-Year PEG Range
Min: 0.29   Max: 263.06
Current: 1.63

0.29
263.06
Shiller P/E 28.50
ERIE's Shiller P/E is ranked higher than
82% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 28.50 )
ERIE' s 10-Year Shiller P/E Range
Min: 9.86   Max: 31.57
Current: 28.5

9.86
31.57
Days Sales Outstanding 76.35
ERIE's Days Sales Outstanding is ranked higher than
73% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 219.50 vs. ERIE: 76.35 )
ERIE' s 10-Year Days Sales Outstanding Range
Min: 63   Max: 415.49
Current: 76.35

63
415.49

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.12
ERIE's Dividend Yield is ranked higher than
61% of the 460 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.45 vs. ERIE: 3.12 )
ERIE' s 10-Year Dividend Yield Range
Min: 1.62   Max: 6.08
Current: 3.12

1.62
6.08
Dividend Payout 0.81
ERIE's Dividend Payout is ranked higher than
74% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 0.81 )
ERIE' s 10-Year Dividend Payout Range
Min: 0.12   Max: 1.49
Current: 0.81

0.12
1.49
Dividend growth (3y) 7.20
ERIE's Dividend growth (3y) is ranked higher than
78% of the 304 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.00 vs. ERIE: 7.20 )
ERIE' s 10-Year Dividend growth (3y) Range
Min: 5.8   Max: 44.1
Current: 7.2

5.8
44.1
Yield on cost (5-Year) 4.39
ERIE's Yield on cost (5-Year) is ranked higher than
72% of the 460 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.65 vs. ERIE: 4.39 )
ERIE' s 10-Year Yield on cost (5-Year) Range
Min: 2.29   Max: 8.61
Current: 4.39

2.29
8.61
Share Buyback Rate 1.50
ERIE's Share Buyback Rate is ranked higher than
87% of the 424 Companies
in the Global Insurance Brokers industry.

( Industry Median: -1.40 vs. ERIE: 1.50 )
ERIE' s 10-Year Share Buyback Rate Range
Min: 5.8   Max: 0
Current: 1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 5.50
ERIE's Price/Tangible Book is ranked lower than
52% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.60 vs. ERIE: 5.50 )
ERIE' s 10-Year Price/Tangible Book Range
Min: 2.19   Max: 8.14
Current: 5.5

2.19
8.14
Price/DCF (Projected) 0.60
ERIE's Price/DCF (Projected) is ranked higher than
95% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 0.60 )
ERIE' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 1.6
Current: 0.6

0.42
1.6
Price/Median PS Value 0.80
ERIE's Price/Median PS Value is ranked higher than
86% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.30 vs. ERIE: 0.80 )
ERIE' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 4.52
Current: 0.8

0.6
4.52
Price/Peter Lynch Fair Value 2.60
ERIE's Price/Peter Lynch Fair Value is ranked higher than
92% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 2.60 )
ERIE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 5.26
Current: 2.6

0.6
5.26
Price/Graham Number 1.30
ERIE's Price/Graham Number is ranked higher than
82% of the 861 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.00 vs. ERIE: 1.30 )
ERIE' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 2.29
Current: 1.3

0.66
2.29
Earnings Yield (Greenblatt) 7.90
ERIE's Earnings Yield (Greenblatt) is ranked higher than
81% of the 718 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.10 vs. ERIE: 7.90 )
ERIE' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 15.7
Current: 7.9

3.7
15.7
Forward Rate of Return (Yacktman) 23.09
ERIE's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 285 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.93 vs. ERIE: 23.09 )
ERIE' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.3   Max: 89.7
Current: 23.09

-4.3
89.7

Business Description

Industry: Brokers & Exchanges » Insurance Brokers
Compare:BRO, AON, WSH, MMC, NFP » details
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 Company operates its business in four reportable segments; management operations, property and casualty insurance operations, life insurance operations and investment operations. Its management operations generates internal management fee revenue, which accrues to the Company's shareholder interest, as it provides services to the Exchange relating to the sales, underwriting, and issuance of policies. 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 they 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 they transact business.
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