— Know what they know.
/
Not Investment Advice

ERIE

NASDAQ · USD
Erie Indemnity Company
Financial Services · Insurance - Property & Casualty
CEO Timothy G. NeCastro Employees 6,667 R&D / revenue 0.0%
Last price
$243.71+2.10%last session
Market cap
$11.3B
P/E (TTM)
19.7x
From 52w high
−26.3%
From 52w low
+19.1%
1-year return
−20.0%
RSI 14 · vs SMA200
60.9 · +0.2%
IS score
64.1/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)

One year, rebased to 100

ERIE   SPY   XLF (sector ETF) · weekly closes
708090100110120Jan 26Apr 26Jul 26Oct 26SPY 116XLF 107ERIE 80

Score DNA

Each bar is a 0-100 score within the scored universe
67
Profitability
43
Growth
51
Value
70
Momentum
100
Risk (safety)
82
Quality
84
Balance sheet
74
Earnings quality

Flags

Strengths
✓ Net cash✓ Insider buying✓ Congress buying
Warnings
None of the computed warning flags fires for ERIE (Altman, Beneish, accruals, FCF, dilution).
Observations
Moat model: Weak, Cost AdvantagePiotroski 6 / 9Beta 0.304 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.
INSForm 4 · 180 days
Insider open-market buys
3
$1.43M bought
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
4
Last disclosed purchase 2026-03-30
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+40
84 new holders, 42 closed
443 filers hold 47.1% · 190 added, 115 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+111
413 funds adding shares
302 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
60.3%
20-day avg 65.1%, 50-day avg 69.1%
Latest 4.8 pp under its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.
Income statement
Revenue$4.1B
Revenue growth YoY+7.2%
Gross margin15.8%
Operating income$719.5M
Operating margin17.7%
Net income$559.3M
Net margin13.8%
EPS (diluted)$10.62
Cash flow
Operating cash flow$686.7M
Capital expenditure$115.7M
Free cash flow$571.0M
FCF conversion (FCF / OCF)83.2%
Stock-based compensation−$94.8M
FCF less SBC$665.8M
Buybacks$0
Dividends$254.3M
Balance sheet & returns
Cash & short-term investments$379.8M
Total debt$0
Net cash$379.8M
Shareholders' equity$2.3B
Goodwill & intangibles$0
Debt / equity0.03
ROE (TTM)24.5%
ROIC (TTM)21.9%
Operating margin by fiscal year
12.1%FY202113.2%FY202215.9%FY202317.8%FY202416.7%FY2025
Revenue $2.6B (FY2021) to $4.1B (FY2025), a 11.5% CAGR.

Valuation

P/E (TTM)19.7x
EV / EBITDA14.0x
Price / sales2.73x
Price / FCF20.4x
FCF yield4.91%
Buyback yield0.00%
SBC / revenue-3.3%
Price / book4.56x
Forward P/E FY202619.2x
Forward P/E FY202719.0x
Forward multiples divide today's price by Street EPS estimates.

ERIE vs industry median

95 companies in Insurance - Property & Casualty
Gross margin 16.5% 54.3% Operating margin 17.9% 11.8% Net margin 14.0% 9.5% ROIC 21.9% 6.2%
ERIE (TTM)Industry median Asset turnover 1.16 vs industry 0.34 · financial leverage 1.44

Earnings delivery

Next report 2026-10-29 · consensus EPS $3.41
67%
beat rate, 8 of 12 quarters
+3.9%
median EPS surprise
7
longest beat streak
+18+22+4+4+21+1+5-15-4+4-121-6
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-07-27 to 2026-04-23. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above
CompanyMkt capP/EROENet marginRev growth12m return
ERIE Erie Indemnity Company $11.3B19.7x24.5%14.0%+7.2% −20.0%
AFG American Financial Group, In $12.4B13.0x20.4%12.4%−1.1% +19.7%
CNA CNA Financial Corporation $13.0B10.5x12.3%8.4%+4.5% +7.3%
ORI Old Republic International C $9.6B8.5x18.6%12.9%+11.6% +5.7%
AIZ Assurant, Inc. $14.0B13.3x18.3%8.6%+9.4% +37.0%
KNSL Kinsale Capital Group, Inc. $8.3B14.8x30.3%32.1%+15.8% —
RE Everest Re Group, Ltd. $15.3B8.0x12.6%14.1%−5.1% —
THG The Hanover Insurance Group, $8.1B11.0x21.9%11.1%+5.8% —
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

2026-07-30Earnings Release; Other Events; Exhibits
2026-05-21Officer/Director Change
2026-04-23Earnings Release; Shareholder Vote; Other Events; Exhibits
2026-02-23Results of Operations and Financial Condition; Other Events; Financial Statements and Exhibits
2026-02-20Departure/Election of Directors; Appointment of Officers; Other Events; Financial Statements and Exhibits
2025-12-11Other Events; Financial Statements and Exhibits

Context

Shares outstanding46,189,100
Free float53.9%
Institutional ownership47.1%
Beta0.30
Dividend yield2.40%
Last dividend$1.46 on 2026-10-05
50 / 200-day average$243.13 / $246.30
Large-cap Financial Services median P/E14.0x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where ERIE sits among 53 scored companies in Insurance - Property & Casualty (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.
ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)

Valuation

MeasureERIEIndustry medianIndustry percentileSector median
P/E (TTM) 19.5x 10.5x
91st		 11.9x
PEG (P/E ÷ 3-yr EPS CAGR) 1.08 0.40
93rd		 1.04
Price / sales 2.6x 1.2x
81st		 2.5x
Price / book 4.6x 1.9x
92nd		 1.3x
Price / tangible book 5.1x 2.1x
90th		 1.6x
Price / free cash flow n/a
Price / operating cash flow n/a
Enterprise value n/a
EV / sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / free cash flow n/a
Earnings yield 5.1% 9.2%
21st		 7.9%
FCF yield n/a
Operating cash flow yield n/a
Graham number (per share) $108.21 $75.52
60th		 $50.71

Profitability (TTM)

MeasureERIEIndustry medianIndustry percentileSector median
Gross margin n/a
EBITDA margin n/a
Operating margin 16.9% 14.5%
63rd		 23.3%
EBIT margin 16.3% 15.5%
63rd		 23.3%
Net margin 13.2% 11.2%
69th		 18.7%
NOPAT margin 13.3% 11.5%
62nd		 18.7%
FCF margin n/a
Operating cash flow margin n/a
R&D / revenue 0.0% 0.0%
0th		 0.0%
SG&A / revenue 5.8% 5.7%
52nd		 20.1%
Stock comp / revenue —
Effective tax rate 21.3% 20.9%
68th		 21.0%

Returns on capital

MeasureERIEIndustry medianIndustry percentileSector median
ROE (on average equity) 24.8% 18.3%
74th		 11.9%
ROA 17.3% 3.3%
98th		 1.4%
ROIC n/a
ROCE n/a
Return on tangible assets 21.3% 4.4%
98th		 2.0%
Cash ROIC (OCF / invested capital) n/a
Gross profitability (GP / assets) n/a
ROIC, 3-yr average n/a
ROIC, 5-yr average n/a
ROE, 5-yr average 25.2% 10.8%
95th		 10.7%
Incremental ROIC n/a

Growth

MeasureERIEIndustry medianIndustry percentileSector median
Revenue growth (TTM YoY) 9.7% 8.0%
58th		 7.1%
Revenue growth (QoQ) 7.7% 7.4%
52nd		 2.8%
Revenue CAGR, 3 yr 12.8% 8.4%
66th		 10.8%
Revenue CAGR, 5 yr 11.1% 7.5%
64th		 11.3%
Gross profit CAGR, 3 yr n/a
Operating income CAGR, 3 yr 19.5% 19.9%
43rd		 8.8%
Net income growth (TTM YoY) -7.7% 29.7%
9th		 24.7%
Net income CAGR, 3 yr 17.7% 22.9%
34th		 9.4%
EPS growth (TTM YoY) -7.7% 32.1%
7th		 25.1%
EPS CAGR, 3 yr 18.0% 25.3%
31st		 7.3%
EPS CAGR, 5 yr 16.2% 7.7%
70th		 4.2%
FCF growth (TTM YoY) n/a
FCF CAGR, 3 yr n/a
Operating cash flow CAGR, 3 yr n/a
Book value CAGR, 3 yr 17.2% 12.2%
73rd		 8.9%
Dividend CAGR, 3 yr 2.6% 2.9%
42nd		 1.9%
Sustainable growth rate 13.5% 11.8%
58th		 8.3%

Margin history & stability

MeasureERIEIndustry medianIndustry percentileSector median
Gross margin, 3-yr average n/a
Operating margin, 3-yr average 17.2% 10.5%
73rd		 21.4%
Net margin, 3-yr average 14.6% 8.2%
83rd		 16.5%
FCF margin, 3-yr average n/a
Revenue stability (0-1) 0.98 0.94
81st		 0.86
Earnings stability (0-1) 0.85 0.44
85th		 0.37
Margin stability (0-1) 0.79 0.72
71st		 0.81

Liquidity (latest quarter)

MeasureERIEIndustry medianIndustry percentileSector median
Cash & short-term investments n/a
Net cash (− = net debt) n/a
Working capital n/a
Current ratio n/a
Quick ratio n/a
Cash ratio (cash + ST investments / current liabilities) n/a
Defensive interval (days) n/a

Leverage & solvency (latest quarter)

MeasureERIEIndustry medianIndustry percentileSector median
Total debt n/a
Debt / equity n/a
Net debt / equity n/a
Debt / assets n/a
Debt / capital n/a
Debt / EBITDA n/a
Net debt / EBITDA n/a
Interest coverage (EBIT / interest) n/a
Cash interest coverage n/a
Debt payback (years of OCF) n/a
Liabilities / assets 30.6% 76.7%
0th		 86.2%
IS credit model rating AA+ — —
Implied credit spread (bps) 65 80
2nd		 175

Efficiency

MeasureERIEIndustry medianIndustry percentileSector median
Asset turnover n/a
Fixed asset turnover n/a
Inventory turnover n/a
Receivables turnover n/a
Days sales outstanding n/a
Days inventory outstanding n/a
Days payables outstanding n/a
Cash conversion cycle (days) n/a
Capex / revenue n/a
Capex / depreciation n/a
Operating expense ratio n/a

Cash flow & earnings quality

MeasureERIEIndustry medianIndustry percentileSector median
Operating cash flow / net income n/a
FCF / net income n/a
FCF / operating cash flow n/a
Capex / operating cash flow n/a
Accruals ratio n/a
Sloan accruals ratio n/a
Earnings quality score (0-1) n/a

Dividends & buybacks

MeasureERIEIndustry medianIndustry percentileSector median
Dividend yield 2.4% 1.6%
60th		 2.3%
Dividend per share (TTM) $5.85 $1.28
88th		 $1.03
Payout ratio (dividends / net income) 45.6% 19.5%
71st		 30.0%
Dividends / FCF n/a
Dividend growth (YoY) 7.1% 7.8%
46th		 6.4%
Buyback yield 0.0% 1.5%
4th		 1.7%
Shareholder yield (dividends + buybacks) 2.3% 3.9%
31st		 5.2%
Share count change (YoY) -0.0% -0.8%
74th		 -0.3%
Buybacks, last 5 years $0 $125.1M
0th		 $85.3M

Scores & forensic checks

MeasureERIEIndustry medianIndustry percentileSector median
IS score 64 59
79th		 53
IS profitability 67 51
81st		 59
IS growth 43 61
14th		 57
IS value 51 76
21st		 77
IS momentum 70 86
24th		 76
IS risk (safety) 100 100
19th		 65
IS quality 82 78
85th		 71
IS balance sheet 84 69
92nd		 51
IS earnings quality 74 69
85th		 74
IS cash flow 67 75
44th		 71
Piotroski F-score (0-9) 6 6
33rd		 6
Altman Z-score —
Beneish M-score —
Ohlson O-score −9.99 −6.61
0th		 −6.00
IS credit score 90 87
56th		 68

Per share

MeasureERIEIndustry medianIndustry percentileSector median
EPS, diluted (TTM) $11.03 $4.92
67th		 $3.36
Book value per share $47.17 $37.25
56th		 $28.13
Tangible book per share $53.41 $23.17
71st		 $21.49
Revenue per share $83.31 $73.91
56th		 $17.62
FCF per share n/a
Operating cash flow per share n/a
Cash per share n/a

Size (TTM)

MeasureERIEIndustry medianIndustry percentileSector median
Market cap $11.3B $2.5B
77th		 $2.5B
Revenue $4.4B $2.0B
56th		 $1.0B
EBITDA $768.6M $307.4M
60th		 $269.3M
Net income $577.0M $219.9M
63rd		 $168.0M
Free cash flow n/a
Total assets $3.6B $6.4B
40th		 $8.5B
Shareholders' equity $2.5B $1.7B
60th		 $1.5B
Employees 6,667 1,800
65th		 1,392

Insider transactions, last 6 months

Form 4 · most recent 12
DateInsiderTypeSharesPriceValueOwned after
2026-09-30Shine Sarah
Executive Vice President
 Other 7$219.15$1,455579
2026-09-30Dabreo Anthony
Senior Vice President, Life
 Other 5$219.15$1,056926
2026-09-30Cook Cody
Executive Vice President
 Other 7$219.15$1,5801,171
2026-08-31Cook Cody
Executive Vice President
 Other 4$255.56$1,1281,163
2026-08-31Shine Sarah
Executive Vice President
 Other 4$255.56$1,050573
2026-08-31Dabreo Anthony
Senior Vice President, Life
 Other 1$255.56$199921
2026-07-31Connell Eugene C
Director
 Other 65——3,454
2026-07-31Borneman J Ralph Jr
Director
 Other 65——20,625
2026-07-31Correnti Salvatore
Director
 Other 65——2,867
2026-07-31Datesh Luann
Director
 Other 65——4,256
2026-07-31Edwards William David
Director
 Other 65——67
2026-07-31Hagen Jonathan Hirt
Director
 Other 65——17,176

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types
MarAprMayJunJulAugSep

By transaction type, 6 months

TypeDirectionFilingsSharesValue
Award / grantAcquired4287—
Open-market buyAcquired37,000$1.4M
Open-market saleDisposed1465$100,952
OtherAcquired854,435$30,118
—Disposed20—
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

FiledFilerShares proposedEst. proceeds
2024-08-16Lorianne Feltz1,000$467,340
2023-08-18Marc Cipriani2,000$567,040
A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 6 trades (4 purchases) · Senate 4 (4 purchases)
TradedMemberChamberTypeAmountDisclosed
2026-03-30John FettermanSenatePurchase$1,001 - $15,0002026-04-03
2026-03-30John Karl FettermanSenatePurchase$1,001 - $15,0002026-04-03
2026-03-27John FettermanSenatePurchase$1,001 - $15,0002026-04-03
2026-03-27John Karl FettermanSenatePurchase$1,001 - $15,0002026-04-03
2026-02-10Gilbert CisnerosHouseSale$1,001 - $15,0002026-03-10
2026-02-10Gilbert Ray CisnerosHouseSale$1,001 - $15,0002026-03-10
2026-01-29Ro KhannaHousePurchase$1,001 - $15,0002026-02-10
2025-12-19Gilbert CisnerosHousePurchase$1,001 - $15,0002026-01-13
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed
ManagerSharesValue% of shares out
BlackRock, Inc.1,674,602$401.5M3.63%
VANGUARD CAPITAL MANAGEMENT LLC1,635,926$392.2M3.54%
STATE STREET CORP1,437,522$344.6M3.11%
VANGUARD PORTFOLIO MANAGEMENT LLC1,111,008$266.4M2.41%
Invesco Ltd.1,091,087$261.6M2.36%
GEODE CAPITAL MANAGEMENT, LLC899,461$215.0M1.95%
Sixth Street Partners Management Company, L.P.855,967$205.2M1.85%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC855,967$205.2M1.85%
ProShare Advisors LLC641,437$153.8M1.39%
BANK OF AMERICA CORP /DE/526,267$126.2M1.14%
MORGAN STANLEY305,297$73.2M0.66%
DIMENSIONAL FUND ADVISORS LP260,197$62.4M0.56%
Vest Financial, LLC191,289$45.9M0.41%
NORGES BANK171,369$41.1M0.37%
Bank of New York Mellon Corp164,118$39.3M0.36%

Institutional ownership by quarter

2023-092026-0647.1%
% of shares held by 13F filers
2023-092026-06443
Number of 13F filers holding

Holder changes by quarter

QuarterHoldersOwnershipNewIncreasedReducedClosed
2026-06-3044347.1%8419011542
2026-03-3140343.3%5517312663
2025-12-3142245.1%5917313347
2025-09-3041844.7%6016513247
2025-06-3041043.9%6017013056
2025-03-3141343.0%6813314752
2024-12-3140037.5%8414711943
2024-09-3036937.0%8811812324
2024-06-3031136.3%3510511937
2024-03-3131836.6%5210610830
2023-12-3129836.2%3310111836
2023-09-3030336.6%718111446

Schedule 13D / 13G filers

FiledFormFiler% of classShares
2026-03-26SCHEDULE 13G/AThe Vanguard Group0.0%0
2025-05-09SCHEDULE 13G/AThe PNC Financial Services Group, Inc.11.0%5,075,229
2025-02-07SCHEDULE 13G/AThe PNC Financial Services Group, Inc.12.5%5,774,234
2025-01-30SCHEDULE 13G/AThe Vanguard Group6.4%2,953,455
Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETFWeight in fundHolding value
RSP0.19%$186.6M
NOBL1.58%$179.4M
VITSX0.01%$177.9M
VSMPX0.01%$177.9M
VTSAX0.01%$177.9M
VTI0.01%$177.9M

Share structure

Shares outstanding46,189,100
Float24,899,759
Free float53.9%

Income statement

Fiscal years, USD
FY2021FY2022FY2023FY2024FY2025
Revenue$2.6B$2.8B$3.3B$3.8B$4.1B
Cost of revenue$2.3B$2.5B$2.7B$3.1B$3.4B
Gross profit$318.1M$376.2M$520.3M$676.5M$640.8M
R&D$0$0$0$0$0
SG&A$4.1M$6.0M$32.6M$33.4M$74.1M
Operating income$318.1M$376.2M$520.3M$676.5M$719.5M
EBITDA$351.2M$428.4M$600.2M$766.3M$787.4M
Pretax income$376.4M$376.5M$561.9M$757.3M$710.6M
Income tax$78.5M$77.9M$115.9M$157.0M$151.3M
Net income$297.9M$298.6M$446.1M$600.3M$559.3M
EPS, diluted$5.69$5.71$8.53$11.48$10.62
Diluted shares46.2M46.2M52.7M52.7M52.7M

Balance sheet

FY2021FY2022FY2023FY2024FY2025
Cash & short-term investments$222.1M$166.4M$226.1M$319.4M$379.8M
Receivables$479.1M$524.9M$634.8M$718.1M$735.6M
Inventory$0−$9.7M$0$0$0
Total current assets$763.7M$778.8M$930.2M$1.1B$1.2B
PP&E, net$374.8M$413.9M$442.6M$513.5M$571.5M
Goodwill & intangibles$0$42.8M−$49.5M$0$0
Total assets$2.2B$2.2B$2.5B$2.9B$3.4B
Accounts payable$138.3M$163.2M$170.9M$185.1M$0
Total current liabilities$630.9M$708.5M$709.0M$802.5M$945.6M
Long-term debt$91.7M$0$0$0$0
Total liabilities$899.6M$791.0M$809.1M$901.4M$1.1B
Shareholders' equity$1.3B$1.4B$1.7B$2.0B$2.3B

Cash flow statement

Outflows are negative
FY2021FY2022FY2023FY2024FY2025
Net income$297.9M$298.6M$446.1M$600.3M$559.3M
Depreciation & amortization$49.1M$51.7M$53.6M$63.9M$0
Stock-based compensation$0$0$0$0−$94.8M
Change in working capital$86.0M−$34.6M−$148.4M−$60.9M$31.3M
Operating cash flow$402.8M$366.2M$381.2M$611.2M$686.7M
Capital expenditure−$148.8M−$67.2M−$92.6M−$124.8M−$115.7M
Free cash flow$254.0M$298.9M$288.6M$486.4M$571.0M
Investing cash flow−$185.5M−$106.9M−$157.6M−$226.9M−$439.3M
Net debt issued / repaid−$2.0M−$94.1M$0$0$0
Buybacks$0$0$0$0$0
Dividends paid−$192.8M−$206.8M−$221.7M−$237.5M−$254.3M

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end
FY2021FY2022FY2023FY2024FY2025
Gross margin12.1%13.2%15.9%17.8%21.7%
Operating margin12.1%13.2%15.9%17.8%16.7%
Net margin11.3%10.5%13.6%15.8%13.0%
FCF margin9.6%10.5%8.8%12.8%13.3%
ROE23.5%21.4%28.7%32.9%26.2%
ROIC20.7%21.2%28.7%32.0%29.7%
ROA13.7%13.3%18.9%22.4%17.9%
Debt / equity0.070.080.000.000.00
Interest coverage76.0x190.3x———
Current ratio1.211.101.311.431.27
Revenue growth+3.8%+7.8%+15.1%+16.1%+13.4%
EPS growth+2.3%−0.5%+49.4%+35.5%−7.5%
P/E at year end31.5x41.8x38.5x35.4x26.9x
EV / EBITDA at year end27.3x29.5x28.3x27.4x20.3x
FCF yield at year end2.70%2.39%1.68%2.29%3.80%
Dividend payout64.7%69.3%49.7%39.6%45.5%

Revenue by segment

FY2022FY2023FY2024FY2025
Policy Issuance and Renewal Services$2.1B$2.4B$2.9B$3.1B
Service Agreement$25.7M$26.1M$26.4M$24.8M

Street estimates by fiscal year

Next report 2026-10-29 · consensus EPS $3.41 · these are analysts' numbers, not ours
Fiscal yearRevenue (mean)Revenue rangeEPS (mean)EPS rangeAnalystsP/E on mean EPS
2026$4.2B$4.2B – $4.2B$12.70$12.55 – $12.85119.2x
2027$4.6B$4.6B – $4.6B$12.80$12.80 – $12.80119.0x

Reported vs expected, every quarter on file

ReportedEPS expectedEPS actualEPS surpriseRevenue expectedRevenue actualRevenue surprise
2026-04-23$3.06$2.88−5.9%$1.1B$1.0B−7.0%
2026-02-23$1.59$-0.33−120.8%$975.6M$951.0M−2.5%
2025-10-30$3.37$3.50+3.9%$975.6M$1.3B+33.7%
2025-08-07$3.48$3.34−4.0%$1.1B$1.1B−2.6%
2025-04-24$3.10$2.65−14.5%$986.5M$989.4M+0.3%
2025-02-27$2.76$2.91+5.4%$925.1M$338.7M−63.4%
2024-10-31$3.02$3.06+1.3%$985.1M$999.9M+1.5%
2024-07-25$2.58$3.13+21.3%$934.0M$988.2M+5.8%
2024-04-25$2.29$2.38+3.9%$835.6M$880.5M+5.4%
2024-02-26$2.03$2.12+4.4%$772.6M$817.7M+5.8%
2023-10-26$2.06$2.51+21.8%$772.6M$858.9M+11.2%
2023-07-27$1.91$2.25+17.8%$839.9M$851.5M+1.4%
2023-04-27$1.48$1.65+11.5%$705.0M$747.7M+6.1%
2023-03-01$1.31$1.25−4.6%$675.6M$700.9M+3.7%
2022-10-27$1.71$1.61−5.8%$719.0M$740.7M+3.0%
2022-07-28$1.56$1.53−1.9%$707.5M$724.0M+2.3%
2022-04-28$1.43$1.31−8.4%$650.6M$675.1M+3.8%
2022-02-24$1.19$1.05−11.8%$631.9M$648.3M+2.6%
2021-10-28$1.62$1.72+6.2%$684.0M$708.4M+3.6%
2021-07-29$1.48$1.51+2.0%$667.2M$696.4M+4.4%
2021-04-29$1.46$1.41−3.4%$627.3M$648.2M+3.3%
2021-02-25$1.21$1.20−0.8%$626.0M$620.9M−0.8%
2020-10-29$1.50$1.71+14.0%$573.2M$666.3M+16.2%
2020-07-30$1.41$1.57+11.3%$590.1M$670.9M+13.7%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)
0.006-150.106-220.006-290.107-060.107-130.107-200.107-270.108-030.108-100.108-170.108-240.108-31
Week ofNotionalSharesTrades
2026-08-31$77.1M300,28619,575
2026-08-24$96.1M368,22720,788
2026-08-17$76.8M293,56922,636
2026-08-10$89.2M350,22121,531
2026-08-03$92.9M376,84423,668
2026-07-27$93.5M392,67823,702

Short-sale share of off-exchange volume

daily 20-day average
07-2310-1560.3%
DateShort shareShort volumeTotal volume
2026-10-1560.3%35,87759,473
2026-10-1479.4%80,507101,387
2026-10-1367.6%43,14363,793
2026-10-1277.5%56,75373,206
2026-10-0941.0%22,40254,643
2026-10-0862.9%62,30399,035
2026-10-0760.2%44,26873,494
2026-10-0659.2%21,51036,317
2026-10-0559.4%17,81930,001
2026-10-0257.3%20,23435,294
A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month
+0.3Jan-0.1Feb-0.2Mar+0.4Apr-0.5May+2.1Jun+2.2Jul+2.1Aug-0.2Sep+1.3Oct+3.0Nov+2.3Dec
MonthAvg returnUp yearsYears
Jan+0.3%55%20
Feb−0.1%40%20
Mar−0.2%43%21
Apr+0.4%60%20
May−0.5%50%20
Jun+2.1%60%20
Jul+2.2%55%20
Aug+2.1%60%20
Sep−0.2%55%20
Oct+1.3%50%20
Nov+3.0%70%20
Dec+2.3%70%20
History, not a forecast.

Indicators

as of 2026-10-16
RSI 1460.9
MFI65.4
ADX25.7
Stochastic %K / %D88.4 / 81.7
Williams %R-1.1
CCI202
TSI / signal-5.2 / -17.1
Chaikin money flow0.01
ATR$7.44
Bollinger width12.7%
Volume vs 20-day avg1.16x
SupertrendUp

Moving averages and bands

level (price vs level)
SMA 20$225.46 (+8.1%)
SMA 50$241.61 (+0.9%)
SMA 200$243.11 (+0.2%)
EMA 21$230.63 (+5.7%)
EMA 50$234.78 (+3.8%)
EMA 200$250.33 (−2.6%)
Bollinger upper$239.81 (+1.6%)
Bollinger lower$211.11 (+15.4%)
Parabolic SAR$221.45 (+10.1%)
Open the live chart, 110+ indicators

About Erie Indemnity Company

Erie Indemnity Company operates as a managing attorney-in-fact for the subscribers at the Erie Insurance Exchange in the United States. It provides issuance and renewal services; sales related services, including agent compensation and sales and advertising support services; underwriting services that include underwriting and policy processing; and other services consist of customer services and administrative support services, as well as information technology services. The company was incorporated in 1925 and is based in Erie, Pennsylvania.

https://www.erieinsurance.com

Key executives

NameTitlePayBorn
Timothy Gerard NeCastroPresident & Chief Executive Officer$3.2M1960
Parthasarathy SrinivasaExecutive Vice President & Chief Information Officer$1.0M1972
Julie Marie PelkowskiExecutive Vice President & Chief Financial Officer$890,9271970
Brian William BolashExecutive Vice President, Corporate Secretary & General Counsel$849,1941966
Douglas Edward Smith FCAS MAAAExecutive Vice President of Sales & Products$846,6491974
Charles Michael FletcherSenior Vice President of Sales & Marketing——
Jeffrey William BrinlingSenior Vice President of Corporate Services—1969
Marc CiprianiSenior Vice President of Underwriting——

Executive pay, latest proxy

ExecutiveYearSalaryStock awardsIncentiveTotal
Jeffrey A. Ludrof, Former President and CEO*2007$805,365$1.4M$0$8.6M
John J. Brinling, Jr., President and CEO**2007$336,660$1.0M$244,688$2.7M
Philip A. Garcia, Executive Vice President and Chief Financial Officer2007$398,015$540,030$221,317$1.3M
Thomas B. Morgan, Executive Vice President, Insurance Operations***2007$377,028$551,189$247,765$1.3M
Douglas F. Ziegler, Senior Vice President and Chief Investment Officer2007$327,380$417,805$32,673$975,743
Michael J. Krahe, Executive Vice President, Human Development and Leadership2007$296,385$344,709$165,000$951,029

Employees

6k20186k20196k20206k20216k20226k20237k20247k2025

Dividends

Ex-dateAmountPaid
2026-10-05$1.4622026-10-20
2026-07-07$1.4622026-07-21
2026-04-07$1.4622026-04-21
2026-01-06$1.4622026-01-21
2025-10-06$1.3652025-10-21
2025-07-08$1.3652025-07-22
2025-04-07$1.3652025-04-22
2025-01-07$1.3652025-01-22

Moat model

Weak · Cost Advantage · 2026-06-30
Cost advantage63
Intangibles36
Switching costs53
Network effect42
Efficient scale60
Our component scores (0-100) and overall 50.2; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms