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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 2.45
ERIE's Cash-to-Debt is ranked lower than
60% of the 682 Companies
in the Global Insurance Brokers industry.

( Industry Median: 5.11 vs. ERIE: 2.45 )
Ranked among companies with meaningful Cash-to-Debt only.
ERIE' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.04  Med: No Debt Max: No Debt
Current: 2.45
1.04
No Debt
Equity-to-Asset 0.52
ERIE's Equity-to-Asset is ranked higher than
50% of the 631 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.54 vs. ERIE: 0.52 )
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: 0.52
0.04
0.59
Debt-to-Equity 0.11
ERIE's Debt-to-Equity is ranked higher than
79% of the 399 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.41 vs. ERIE: 0.11 )
Ranked among companies with meaningful Debt-to-Equity only.
ERIE' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01  Med: 0.04 Max: 0.11
Current: 0.11
0.01
0.11
Debt-to-EBITDA 0.28
ERIE's Debt-to-EBITDA is ranked higher than
87% of the 383 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.68 vs. ERIE: 0.28 )
Ranked among companies with meaningful Debt-to-EBITDA only.
ERIE' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.08  Med: 0.16 Max: 0.28
Current: 0.28
0.08
0.28
WACC vs ROIC
3.28%
38.59%
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 : 2/10

vs
industry
vs
history
Net Margin % 11.55
ERIE's Net Margin % is ranked lower than
54% of the 667 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.87 vs. ERIE: 11.55 )
Ranked among companies with meaningful Net Margin % only.
ERIE' s Net Margin % Range Over the Past 10 Years
Min: 2.54  Med: 8.96 Max: 13.01
Current: 11.55
2.54
13.01
ROE % 29.49
ERIE's ROE % is ranked higher than
88% of the 671 Companies
in the Global Insurance Brokers industry.

( Industry Median: 6.44 vs. ERIE: 29.49 )
Ranked among companies with meaningful ROE % only.
ERIE' s ROE % Range Over the Past 10 Years
Min: 7.51  Med: 22.9 Max: 29.49
Current: 29.49
7.51
29.49
ROA % 15.57
ERIE's ROA % is ranked higher than
88% of the 687 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.01 vs. ERIE: 15.57 )
Ranked among companies with meaningful ROA % only.
ERIE' s ROA % Range Over the Past 10 Years
Min: 1.01  Med: 1.61 Max: 15.57
Current: 15.57
1.01
15.57
3-Year Revenue Growth Rate 6.60
ERIE's 3-Year Revenue Growth Rate is ranked higher than
56% of the 609 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.50 vs. ERIE: 6.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ERIE' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -34  Med: 7.55 Max: 60.4
Current: 6.6
-34
60.4
3-Year EBITDA Growth Rate 8.20
ERIE's 3-Year EBITDA Growth Rate is ranked higher than
53% of the 422 Companies
in the Global Insurance Brokers industry.

( Industry Median: 6.80 vs. ERIE: 8.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ERIE' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 8.2
Current: 8.2
0
8.2
3-Year EPS without NRI Growth Rate 5.70
ERIE's 3-Year EPS without NRI Growth Rate is ranked higher than
51% of the 500 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.60 vs. ERIE: 5.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ERIE' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -29.1  Med: 8.35 Max: 37.3
Current: 5.7
-29.1
37.3
GuruFocus has detected 4 Warning Signs with Erie Indemnity Co ERIE.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ERIE's 30-Y Financials

Financials (Next Earnings Date: 2019-02-23 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2017

ERIE Guru Trades in Q4 2017

Murray Stahl 3,400 sh (+3.28%)
Jim Simons 132,371 sh (+1.92%)
Chuck Royce 354,076 sh (-3.18%)
» More
Q1 2018

ERIE Guru Trades in Q1 2018

Ray Dalio 2,288 sh (New)
Murray Stahl 3,414 sh (+0.41%)
Chuck Royce 354,410 sh (+0.09%)
Jim Simons 148,400 sh (+12.11%)
» More
Q2 2018

ERIE Guru Trades in Q2 2018

Murray Stahl 3,467 sh (+1.55%)
Jim Simons 167,400 sh (+12.80%)
Ray Dalio Sold Out
Chuck Royce 335,310 sh (-5.39%)
» More
Q3 2018

ERIE Guru Trades in Q3 2018

Jim Simons 186,671 sh (+11.51%)
Chuck Royce 256,318 sh (-23.56%)
Murray Stahl 3,137 sh (-9.52%)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Brokers & Exchanges » Insurance Brokers    NAICS: 524128    SIC: 6411
Compare:NYSE:BRO, LSE:JLT, NAS:FANH, ASX:SDF, NAS:CRVL, XLJU:ZVTG, LSE:SBRE, XPAR:APR, ASX:AUB, ASX:PSI, BSP:WIZS3, NYSE:CRD.A, NAS:EHTH, NAS:KINS, XTER:VVV3, CAS:AFM, MIL:ASSI, ROCO:5878, BSP:BRIN3, WAR:EUC » details
Headquarter Location:USA
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 primarily performs services on behalf of the Erie Insurance Exchange relating to sales, underwriting, and issuance of policies. Erie Indemnity's results are tied to the performance of the Insurance Exchange, which principally provides automobile and homeowners insurance for individuals, along with multiperil, workers' compensation, and commercial automobile insurance for its commercial clients. Erie Indemnity's management fee is typically 25% of the Exchange's premiums, and this accounts for all of Erie Indemnity's revenue. The company operates exclusively in the United States.

Ratios

vs
industry
vs
history
PE Ratio 26.48
ERIE's PE Ratio is ranked lower than
71% of the 532 Companies
in the Global Insurance Brokers industry.

( Industry Median: 17.59 vs. ERIE: 26.48 )
Ranked among companies with meaningful PE Ratio only.
ERIE' s PE Ratio Range Over the Past 10 Years
Min: 14.07  Med: 25.61 Max: 53.53
Current: 26.48
14.07
53.53
PE Ratio without NRI 26.48
ERIE's PE Ratio without NRI is ranked lower than
71% of the 530 Companies
in the Global Insurance Brokers industry.

( Industry Median: 18.01 vs. ERIE: 26.48 )
Ranked among companies with meaningful PE Ratio without NRI only.
ERIE' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.07  Med: 25.61 Max: 53.53
Current: 26.48
14.07
53.53
Price-to-Owner-Earnings 32.20
ERIE's Price-to-Owner-Earnings is ranked lower than
79% of the 250 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.75 vs. ERIE: 32.20 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ERIE' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 13.65  Med: 32.79 Max: 384.73
Current: 32.2
13.65
384.73
PB Ratio 7.42
ERIE's PB Ratio is ranked lower than
91% of the 659 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.16 vs. ERIE: 7.42 )
Ranked among companies with meaningful PB Ratio only.
ERIE' s PB Ratio Range Over the Past 10 Years
Min: 2.07  Med: 5.31 Max: 7.89
Current: 7.42
2.07
7.89
PS Ratio 3.43
ERIE's PS Ratio is ranked lower than
51% of the 640 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.42 vs. ERIE: 3.43 )
Ranked among companies with meaningful PS Ratio only.
ERIE' s PS Ratio Range Over the Past 10 Years
Min: 0.49  Med: 2.5 Max: 15.37
Current: 3.43
0.49
15.37
Price-to-Free-Cash-Flow 39.80
ERIE's Price-to-Free-Cash-Flow is ranked lower than
82% of the 168 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.03 vs. ERIE: 39.80 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ERIE' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.44  Med: 15.03 Max: 79.01
Current: 39.8
2.44
79.01
Price-to-Operating-Cash-Flow 30.38
ERIE's Price-to-Operating-Cash-Flow is ranked lower than
84% of the 198 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.69 vs. ERIE: 30.38 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ERIE' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.4  Med: 14.58 Max: 63.49
Current: 30.38
2.4
63.49
EV-to-EBIT 18.48
ERIE's EV-to-EBIT is ranked lower than
57% of the 411 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.83 vs. ERIE: 18.48 )
Ranked among companies with meaningful EV-to-EBIT only.
ERIE' s EV-to-EBIT Range Over the Past 10 Years
Min: 18.2  Med: 21.2 Max: 79.3
Current: 18.48
18.2
79.3
EV-to-EBITDA 18.48
ERIE's EV-to-EBITDA is ranked lower than
62% of the 414 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.58 vs. ERIE: 18.48 )
Ranked among companies with meaningful EV-to-EBITDA only.
ERIE' s EV-to-EBITDA Range Over the Past 10 Years
Min: 18.2  Med: 21.2 Max: 79.3
Current: 18.48
18.2
79.3
EV-to-Revenue 2.95
ERIE's EV-to-Revenue is ranked higher than
59% of the 587 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.20 vs. ERIE: 2.95 )
Ranked among companies with meaningful EV-to-Revenue only.
ERIE' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.6  Med: 2.4 Max: 39
Current: 2.95
0.6
39
Shiller PE Ratio 37.53
ERIE's Shiller PE Ratio is ranked lower than
79% of the 165 Companies
in the Global Insurance Brokers industry.

( Industry Median: 22.49 vs. ERIE: 37.53 )
Ranked among companies with meaningful Shiller PE Ratio only.
ERIE' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.46  Med: 24.11 Max: 41.52
Current: 37.53
10.46
41.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.59
ERIE's Dividend Yield % is ranked lower than
51% of the 635 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.86 vs. ERIE: 2.59 )
Ranked among companies with meaningful Dividend Yield % only.
ERIE' s Dividend Yield % Range Over the Past 10 Years
Min: 2.39  Med: 3.06 Max: 6.08
Current: 2.59
2.39
6.08
Dividend Payout Ratio 0.68
ERIE's Dividend Payout Ratio is ranked lower than
75% of the 367 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.41 vs. ERIE: 0.68 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ERIE' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.68  Med: 0.8 Max: 1.49
Current: 0.68
0.68
1.49
3-Year Dividend Growth Rate 7.20
ERIE's 3-Year Dividend Growth Rate is ranked higher than
53% of the 221 Companies
in the Global Insurance Brokers industry.

( Industry Median: 6.30 vs. ERIE: 7.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ERIE' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.6 Max: 27.6
Current: 7.2
0
27.6
Forward Dividend Yield % 2.53
ERIE's Forward Dividend Yield % is ranked lower than
54% of the 618 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.03 vs. ERIE: 2.53 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.67
ERIE's 5-Year Yield-on-Cost % is ranked higher than
53% of the 643 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.57 vs. ERIE: 3.67 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ERIE' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.38  Med: 4.33 Max: 8.61
Current: 3.67
3.38
8.61

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 7.41
ERIE's Price-to-Tangible-Book is ranked lower than
88% of the 623 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.16 vs. ERIE: 7.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ERIE' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 2.43  Med: 3.43 Max: 8.15
Current: 7.41
2.43
8.15
Price-to-Intrinsic-Value-Projected-FCF 2.71
ERIE's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
86% of the 232 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.24 vs. ERIE: 2.71 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ERIE' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.38  Med: 1.11 Max: 2.75
Current: 2.71
0.38
2.75
Price-to-Median-PS-Value 1.37
ERIE's Price-to-Median-PS-Value is ranked lower than
76% of the 596 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.95 vs. ERIE: 1.37 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ERIE' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.21  Med: 1.23 Max: 5.82
Current: 1.37
0.21
5.82
Price-to-Graham-Number 2.95
ERIE's Price-to-Graham-Number is ranked lower than
87% of the 453 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.95 vs. ERIE: 2.95 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ERIE' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.24  Med: 1.77 Max: 3.34
Current: 2.95
1.24
3.34
Earnings Yield (Greenblatt) % 5.41
ERIE's Earnings Yield (Greenblatt) % is ranked higher than
58% of the 552 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.94 vs. ERIE: 5.41 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ERIE' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.3  Med: 4.7 Max: 5.5
Current: 5.41
1.3
5.5

More Statistics

Revenue (TTM) (Mil) $2,233.79
EPS (TTM) $ 4.93
Beta0.07
Volatility11.29%
52-Week Range $106.63 - 147.17
Shares Outstanding (Mil)52.29

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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