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Erie Indemnity CoMIL:1ERIE 63 ROA % is 18.00% as of Mar. 2026, which is 16% above its 10-year median of 15.47. GuruFocus rates MIL:1ERIE with a GF Score™ of 63/100 and a GF Value™ of €398.37. The stock has 1 warning sign investors should review. Among 506 Insurance companies, Erie Indemnity Co ranks better than 97.23% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Erie Indemnity Co's annualizedNet Income for the quarter that ended in Mar. 2026 was €521 Mil.
Erie Indemnity Co's average Total Assets over the quarter that ended in Mar. 2026 was €2,893 Mil. Therefore, Erie Indemnity Co's annualized ROA % for the quarter that ended in Mar. 2026 was 18.00%.
The historical rank and industry rank for Erie Indemnity Co's ROA % or its related term are showing as below:
MIL:1ERIE'
s ROA % Range Over the Past 10 Years
Min: 12.26 Med: 15.47 Max: 22.4
Current: 17.69
During the past 13 years, Erie Indemnity Co's highest ROA % was 22.40%. The lowest was 12.26%. And the median was 15.47%.
MIL:1ERIE's ROA % is ranked better than 97.23% of 506
companies
in the Insurance industry
Industry Median: 2.62
vs MIL:1ERIE: 17.69
Erie Indemnity Co (MIL:1ERIE) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Erie Indemnity Co ROA % Related Terms
Erie Indemnity Co ROA % Historical Data
* Premium members only.
The historical data trend for Erie Indemnity Co's ROA % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance Brokers subindustry, Erie Indemnity Co's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Erie Indemnity Co's ROA % distribution charts can be found below:
* The bar in red indicates where Erie Indemnity Co's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Erie Indemnity Co (MIL:1ERIE) has a ROA % of 18.00% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Erie Indemnity Co and its competitors. This is 16% above median its historical median of 15.47. Over the past decade, Erie Indemnity Co's ROA % has ranged from 12.26 to 22.40. According to the industry distribution chart, Erie Indemnity Co ranks #14 out of 506 companies in the Insurance industry, placing it in the top 2.8%.
Is Erie Indemnity Co's ROA % too high?
Erie Indemnity Co's current ROA % of 18.00% is 16% above median its 10-year median of 15.47. Over the past 10 years, this metric has ranged from a low of 12.26 to a high of 22.40. The Insurance industry median ROA % is 2.62. Erie Indemnity Co's value of 18.00% is 587% above this industry median. Based on the distribution chart, Erie Indemnity Co ranks #14 out of 506 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 63/100, reflecting its overall financial health beyond just this single metric.
How does Erie Indemnity Co's ROA % compare to NP and BRO?
According to the Insurance industry distribution chart, Erie Indemnity Co ranks #14 out of 506 companies for ROA %. This places Erie Indemnity Co in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 2.62. Erie Indemnity Co's value of 18.00% is 587% above this benchmark. Historically, Erie Indemnity Co's own ROA % has ranged from 12.26 to 22.40 over the past decade. While the company's 10-year median is 15.47 vs. the industry median of 2.62, Erie Indemnity Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.62, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Erie Indemnity Co's current ROA % of 18.00% is 587% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Erie Indemnity Co and its competitors. For the Insurance industry, the median ROA % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erie Indemnity Co's current ROA % is 18.00%, which is 16% above median its own 10-year median of 15.47. 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?
Erie Indemnity Co (MIL:1ERIE) has a current ROA % of 18.00%. The stock's GF Value™ is €398.37, compared to a current price of €248.00 — trading 37.7% below its estimated fair value. The current ROA % is 18.00%, which is 16% above median its 10-year median of 15.47 and 587% above the Insurance industry median of 2.62. Erie Indemnity Co's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Erie Indemnity Co (MIL:1ERIE), the current ROA % is 18.00% as of Mar. 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 (MIL:1ERIE) Overvalued in 2026?
Based on GuruFocus' analysis, Erie Indemnity Co stock appears to be undervalued.
The current stock price of €248.00 is trading 37.7% below its estimated GF Value™ of €398.37.
Key valuation signals for MIL:1ERIE:
ROA %: 18.00% (16% above median its 10-year median of 15.47)
GF Value™: €398.37 vs. price of €248.00 (37.7% below fair value)
Industry Position: 587% above the Insurance median (#14 of 506)
No single metric tells the full story. See the MIL:1ERIE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
63GF Score
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