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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 581 Companies
in the Global Insurance Brokers industry.

( Industry Median: 133.67 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 0.04
ERIE's Equity to Asset is ranked lower than
97% of the 585 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.58 vs. ERIE: 0.04 )
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: 0.47
Current: 0.04
0.04
0.47
Interest Coverage No Debt
ERIE's Interest Coverage is ranked higher than
99% of the 488 Companies
in the Global Insurance Brokers industry.

( Industry Median: 101.72 vs. ERIE: No Debt )
Ranked among companies with meaningful Interest Coverage only.
ERIE' s Interest Coverage Range Over the Past 10 Years
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 4
WACC vs ROIC
6.07%
235.55%
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 (%) 14.73
ERIE's Operating margin (%) is ranked higher than
50% of the 617 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.62 vs. ERIE: 14.73 )
Ranked among companies with meaningful Operating margin (%) only.
ERIE' s Operating margin (%) Range Over the Past 10 Years
Min: 7.42  Med: 16.97 Max: 24.99
Current: 14.73
7.42
24.99
Net-margin (%) 2.77
ERIE's Net-margin (%) is ranked lower than
66% of the 623 Companies
in the Global Insurance Brokers industry.

( Industry Median: 12.39 vs. ERIE: 2.77 )
Ranked among companies with meaningful Net-margin (%) only.
ERIE' s Net-margin (%) Range Over the Past 10 Years
Min: 2.54  Med: 3.41 Max: 20.54
Current: 2.77
2.54
20.54
ROE (%) 23.32
ERIE's ROE (%) is ranked higher than
86% of the 639 Companies
in the Global Insurance Brokers industry.

( Industry Median: 5.50 vs. ERIE: 23.32 )
Ranked among companies with meaningful ROE (%) only.
ERIE' s ROE (%) Range Over the Past 10 Years
Min: 7.51  Med: 18.70 Max: 23.69
Current: 23.32
7.51
23.69
ROA (%) 0.96
ERIE's ROA (%) is ranked lower than
59% of the 649 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.84 vs. ERIE: 0.96 )
Ranked among companies with meaningful ROA (%) only.
ERIE' s ROA (%) Range Over the Past 10 Years
Min: 0.98  Med: 1.27 Max: 7.6
Current: 0.96
0.98
7.6
Revenue Growth (3Y)(%) 9.90
ERIE's Revenue Growth (3Y)(%) is ranked higher than
61% of the 479 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.80 vs. ERIE: 9.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ERIE' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 4.5  Med: 10.10 Max: 67.8
Current: 9.9
4.5
67.8
EBITDA Growth (3Y)(%) 35.10
ERIE's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 363 Companies
in the Global Insurance Brokers industry.

( Industry Median: 9.50 vs. ERIE: 35.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ERIE' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -10  Med: 13.40 Max: 47.7
Current: 35.1
-10
47.7
EPS Growth (3Y)(%) 1.30
ERIE's EPS Growth (3Y)(%) is ranked lower than
59% of the 361 Companies
in the Global Insurance Brokers industry.

( Industry Median: 8.20 vs. ERIE: 1.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ERIE' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -29  Med: 5.55 Max: 37
Current: 1.3
-29
37
» ERIE's 10-Y Financials

Financials (Next Earnings Date: 2016-02-25)


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

» Details

Guru Trades

Q1 2015

ERIE Guru Trades in Q1 2015

Murray Stahl 9,537 sh (+0.45%)
Chuck Royce 717,900 sh (-8.59%)
Jim Simons 10,071 sh (-20.67%)
» More
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
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 29.97
ERIE's P/E(ttm) is ranked lower than
78% of the 623 Companies
in the Global Insurance Brokers industry.

( Industry Median: 15.40 vs. ERIE: 29.97 )
Ranked among companies with meaningful P/E(ttm) only.
ERIE' s P/E(ttm) Range Over the Past 10 Years
Min: 14.13  Med: 22.70 Max: 54.51
Current: 29.97
14.13
54.51
Forward P/E 26.67
ERIE's Forward P/E is ranked lower than
92% of the 222 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.00 vs. ERIE: 26.67 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 30.98
ERIE's PE(NRI) is ranked lower than
77% of the 506 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.80 vs. ERIE: 30.98 )
Ranked among companies with meaningful PE(NRI) only.
ERIE' s PE(NRI) Range Over the Past 10 Years
Min: 14.11  Med: 22.89 Max: 53.53
Current: 30.98
14.11
53.53
P/B 6.00
ERIE's P/B is ranked lower than
91% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.13 vs. ERIE: 6.00 )
Ranked among companies with meaningful P/B only.
ERIE' s P/B Range Over the Past 10 Years
Min: 2.06  Med: 3.19 Max: 6.13
Current: 6
2.06
6.13
P/S 0.82
ERIE's P/S is ranked higher than
84% of the 779 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.79 vs. ERIE: 0.82 )
Ranked among companies with meaningful P/S only.
ERIE' s P/S Range Over the Past 10 Years
Min: 0.49  Med: 0.80 Max: 3.38
Current: 0.82
0.49
3.38
PFCF 6.40
ERIE's PFCF is ranked higher than
70% of the 321 Companies
in the Global Insurance Brokers industry.

( Industry Median: 12.71 vs. ERIE: 6.40 )
Ranked among companies with meaningful PFCF only.
ERIE' s PFCF Range Over the Past 10 Years
Min: 2.44  Med: 7.16 Max: 295.82
Current: 6.4
2.44
295.82
POCF 5.91
ERIE's POCF is ranked higher than
70% of the 361 Companies
in the Global Insurance Brokers industry.

( Industry Median: 11.13 vs. ERIE: 5.91 )
Ranked among companies with meaningful POCF only.
ERIE' s POCF Range Over the Past 10 Years
Min: 2.4  Med: 6.50 Max: 18.49
Current: 5.91
2.4
18.49
EV-to-EBIT 12.40
ERIE's EV-to-EBIT is ranked higher than
60% of the 598 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.09 vs. ERIE: 12.40 )
Ranked among companies with meaningful EV-to-EBIT only.
ERIE' s EV-to-EBIT Range Over the Past 10 Years
Min: -35  Med: 12.30 Max: 27.2
Current: 12.4
-35
27.2
EV-to-EBITDA 12.40
ERIE's EV-to-EBITDA is ranked higher than
52% of the 603 Companies
in the Global Insurance Brokers industry.

( Industry Median: 12.63 vs. ERIE: 12.40 )
Ranked among companies with meaningful EV-to-EBITDA only.
ERIE' s EV-to-EBITDA Range Over the Past 10 Years
Min: -42.5  Med: 12.10 Max: 27.2
Current: 12.4
-42.5
27.2
PEG 1.84
ERIE's PEG is ranked lower than
64% of the 113 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.15 vs. ERIE: 1.84 )
Ranked among companies with meaningful PEG only.
ERIE' s PEG Range Over the Past 10 Years
Min: 0.3  Med: 1.55 Max: 48.55
Current: 1.84
0.3
48.55
Shiller P/E 32.03
ERIE's Shiller P/E is ranked lower than
84% of the 110 Companies
in the Global Insurance Brokers industry.

( Industry Median: 20.65 vs. ERIE: 32.03 )
Ranked among companies with meaningful Shiller P/E only.
ERIE' s Shiller P/E Range Over the Past 10 Years
Min: 10.42  Med: 21.55 Max: 33.05
Current: 32.03
10.42
33.05

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
ERIE's Dividend Yield is ranked lower than
56% of the 538 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.34 vs. ERIE: 2.87 )
Ranked among companies with meaningful Dividend Yield only.
ERIE' s Dividend Yield Range Over the Past 10 Years
Min: 2.03  Med: 3.07 Max: 6.08
Current: 2.87
2.03
6.08
Dividend Payout 0.84
ERIE's Dividend Payout is ranked lower than
75% of the 324 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.53 vs. ERIE: 0.84 )
Ranked among companies with meaningful Dividend Payout only.
ERIE' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.42 Max: 6.29
Current: 0.84
0.21
6.29
Dividend Growth (3y) 7.20
ERIE's Dividend Growth (3y) is ranked higher than
62% of the 203 Companies
in the Global Insurance Brokers industry.

( Industry Median: -3.50 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: 12.10 Max: 24
Current: 7.2
5.8
24
Forward Dividend Yield 3.07
ERIE's Forward Dividend Yield is ranked lower than
58% of the 470 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.67 vs. ERIE: 3.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.06
ERIE's Yield on cost (5-Year) is ranked higher than
57% of the 542 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.43 vs. ERIE: 4.06 )
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: 2.87  Med: 4.35 Max: 8.61
Current: 4.06
2.87
8.61
3-Year Average Share Buyback Ratio 1.50
ERIE's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 314 Companies
in the Global Insurance Brokers industry.

( Industry Median: -1.70 vs. ERIE: 1.50 )
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: 0.4  Med: 1.60 Max: 5.8
Current: 1.5
0.4
5.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 5.97
ERIE's Price/Tangible Book is ranked lower than
88% of the 701 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.24 vs. ERIE: 5.97 )
Ranked among companies with meaningful Price/Tangible Book only.
ERIE' s Price/Tangible Book Range Over the Past 10 Years
Min: 2.19  Med: 3.17 Max: 8.14
Current: 5.97
2.19
8.14
Price/Projected FCF 0.74
ERIE's Price/Projected FCF is ranked higher than
67% of the 310 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.02 vs. ERIE: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
ERIE' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.38  Med: 0.98 Max: 1.79
Current: 0.74
0.38
1.79
Price/DCF (Earnings Based) 3.90
ERIE's Price/DCF (Earnings Based) is ranked lower than
100% of the 31 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.56 vs. ERIE: 3.90 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.06
ERIE's Price/Median PS Value is ranked lower than
64% of the 692 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.91 vs. ERIE: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
ERIE' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.65  Med: 3.67 Max: 6.19
Current: 1.06
0.65
6.19
Price/Peter Lynch Fair Value 3.12
ERIE's Price/Peter Lynch Fair Value is ranked lower than
93% of the 117 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.95 vs. ERIE: 3.12 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ERIE' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.55  Med: 1.22 Max: 6.05
Current: 3.12
0.55
6.05
Price/Graham Number 2.87
ERIE's Price/Graham Number is ranked lower than
83% of the 560 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.98 vs. ERIE: 2.87 )
Ranked among companies with meaningful Price/Graham Number only.
ERIE' s Price/Graham Number Range Over the Past 10 Years
Min: 1.24  Med: 1.63 Max: 2.79
Current: 2.87
1.24
2.79
Earnings Yield (Greenblatt) (%) 8.05
ERIE's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 605 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.20 vs. ERIE: 8.05 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ERIE' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.7  Med: 8.00 Max: 15.7
Current: 8.05
3.7
15.7
Forward Rate of Return (Yacktman) (%) 21.90
ERIE's Forward Rate of Return (Yacktman) (%) is ranked higher than
75% of the 167 Companies
in the Global Insurance Brokers industry.

( Industry Median: 11.45 vs. ERIE: 21.90 )
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: 17.80 Max: 85.1
Current: 21.9
-2.2
85.1

More Statistics

Revenue(Mil) $6172
EPS $ 3.24
Beta0.56
Short Percentage of Float0.85%
52-Week Range $79.00 - 101.80
Shares Outstanding(Mil)46.19

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.
» More Articles for NAS:ERIE

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