ERIE (Erie Indemnity Co) Moat Score: 5/10 (As of Jul. 06, 2026)


ERIE Erie Indemnity Co ERIE
67 GF Score
Price $257.80
GF Value $348.68
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Erie Indemnity Co Moat Score?

Erie Indemnity Co ERIE -0.56% 67 Moat Score is 5 as of Jul. 06, 2026. GuruFocus rates ERIE with a GF Score™ of 67/100 and a GF Value™ of $348.68 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 598 Insurance companies, Erie Indemnity Co ranks better than 88.8% on this metric.

Erie Indemnity Co has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Erie Indemnity Co has Narrow Moat: Erie Indemnity Co benefits from strong brand recognition and customer loyalty in the insurance sector. It has some pricing power and a solid distribution network, but the competitive nature of the industry and lack of significant regulatory barriers limit its moat to narrow.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Erie Indemnity Co might have Narrow Moat - Solid narrow moat.

Erie Indemnity Co  (NAS:ERIE) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Erie Indemnity Co Moat Score Related Terms

ERIE vs NP, BRO, CRVL: Moat Score Comparison

For the Insurance Brokers subindustry, Erie Indemnity Co's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Erie Indemnity Co Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Erie Indemnity Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Erie Indemnity Co's Moat Score falls into.


ERIE
67GF Score
Erie Indemnity Co ERIE
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Erie Indemnity Co (ERIE) has a Moat Score of 5 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Erie Indemnity Co ranks #67 out of 598 companies in the Insurance industry, placing it in the top 11.2%.
Is Erie Indemnity Co's Moat Score too high?
Erie Indemnity Co's current Moat Score is 5. Based on the distribution chart, Erie Indemnity Co ranks #67 out of 598 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Erie Indemnity Co has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Erie Indemnity Co's Moat Score compare to NP and BRO?
According to the Insurance industry distribution chart, Erie Indemnity Co ranks #67 out of 598 companies for Moat Score. This places Erie Indemnity Co in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Erie Indemnity Co's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erie Indemnity Co stock overvalued right now?
Based on GuruFocus' analysis, Erie Indemnity Co (ERIE) is currently considered Modestly Undervalued. The stock's GF Value™ is $348.68, compared to a current price of $257.80 — trading 26.1% below its estimated fair value. The current Moat Score is 5. Erie Indemnity Co's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Erie Indemnity Co (ERIE), the current Moat Score is 5 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Erie Indemnity Co (ERIE) Overvalued in 2026?

Based on GuruFocus' analysis, Erie Indemnity Co stock appears to be undervalued. The current stock price of $257.80 is trading 26.1% below its estimated GF Value™ of $348.68. GuruFocus considers Erie Indemnity Co to be Modestly Undervalued.

Key valuation signals for ERIE:

  • Moat Score: 5
  • GF Value™: $348.68 vs. price of $257.80 (26.1% below fair value)
  • GF Score™: 67/100 with 1 warning sign

No single metric tells the full story. See the ERIE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Erie Indemnity Co Business Description

Other Exchanges EI2:Germany
Address 100 Erie Insurance Place, Erie, PA, USA, 16530-0001
Erie Indemnity Co mainly 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. The company operates exclusively in the United States.
67GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$257.80
Price
$348.68
GF Value