Erie Indemnity Financials

ERIE Stock  USD 430.08  5.05  1.19%   
Based on the key measurements obtained from Erie Indemnity's financial statements, Erie Indemnity may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Erie Indemnity's Property Plant And Equipment Net is projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 194.5 M, whereas Total Stockholder Equity is forecasted to decline to about 971 M. Key indicators impacting Erie Indemnity's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.140.1365
Fairly Up
Slightly volatile
Return On Assets0.190.1804
Notably Up
Slightly volatile
Return On Equity0.170.2683
Way Down
Pretty Stable
Debt Equity Ratio0.05350.0629
Fairly Down
Slightly volatile
Current Ratio1.251.312
Sufficiently Down
Pretty Stable
Investors should never underestimate Erie Indemnity's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Erie Indemnity's cash flow, debt, and profitability to make informed and accurate decisions about investing in Erie Indemnity.

Net Income

468.36 Million

  
Understanding current and past Erie Indemnity Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Erie Indemnity's financial statements are interrelated, with each one affecting the others. For example, an increase in Erie Indemnity's assets may result in an increase in income on the income statement.
Please note, the presentation of Erie Indemnity's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Erie Indemnity's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Erie Indemnity's management manipulating its earnings.

Erie Indemnity Stock Summary

Erie Indemnity competes with Arthur J, Willis Towers, Brown Brown, Aon PLC, and CorVel Corp. Erie Indemnity Company operates as a managing attorney-in-fact for the subscribers at the Erie Insurance Exchange in the United States. Erie Indemnity Company was incorporated in 1925 and is based in Erie, Pennsylvania. Erie Indemnity operates under Insurance Brokers classification in the United States and is traded on NASDAQ Exchange. It employs 5805 people.
Specialization
Financial Services, Insurance Brokers
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS29530P1021
CUSIP29530P102
LocationPennsylvania; U.S.A
Business Address100 Erie Insurance
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.erieinsurance.com
Phone814 870 2000
CurrencyUSD - US Dollar

Erie Indemnity Key Financial Ratios

Erie Indemnity Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.0B2.1B2.2B2.2B2.5B4.6B
Net Debt(238.9M)(65.4M)(89.9M)(19.6M)(31.8M)(33.4M)
Retained Earnings2.4B2.4B2.5B2.6B2.8B1.7B
Other Assets131.6M153.2M132.2M167.1M38.6M36.7M
Net Receivables469.1M494.6M479.1M524.9M634.8M881.8M
Total Liab883.0M929.1M899.6M791.0M809.1M768.7M
Total Current Assets838.6M676.2M701.2M691.3M930.2M816.3M
Other Current Liab(435.8M)(154.6M)(140.4M)(165.9M)538.1M511.2M
Accounts Payable397.9M150.0M138.3M165.9M170.9M118.1M
Cash336.7M161.2M183.7M142.1M144.1M179.3M
Other Current Assets521.9M52.6M56.2M97.2M69.3M65.9M
Other Liab188.8M207.6M177.0M125.9M113.3M107.7M
Net Tangible Assets1.1B1.2B1.3B1.4B1.3B1.5B
Long Term Debt97.9M95.8M93.8M91.7M105.5M110.8M
Capital Surpluse16.5M16.5M16.5M16.5M19.0M18.1M

Erie Indemnity Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense1.2M2.5M856K731K4.1M2.0M
Total Revenue2.5B2.6B2.7B2.8B3.3B2.2B
Gross Profit2.5B2.6B2.7B376.8M520.3M494.2M
Operating Income(212.9M)(266.7M)(286.1M)378.5M520.3M285.6M
Ebit(212.9M)(266.7M)(286.1M)(2.0B)514.4M540.1M
Ebitda(212.9M)(266.7M)(286.1M)430.2M568.0M596.4M
Income Before Tax396.7M368.5M376.4M376.5M561.9M459.6M
Net Income316.8M293.3M297.9M298.6M446.1M468.4M
Income Tax Expense79.9M75.2M78.5M77.9M115.9M123.3M
Cost Of Revenue2.1B2.2B2.6B2.5B2.7B1.9B
Tax Provision79.9M75.2M78.5M77.9M103.4M72.7M
Net Interest Income(2.5M)(856K)(731K)(4.1M)(2.0M)0.0

Erie Indemnity Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash70.3M(175.5M)22.5M(41.6M)2.0M1.9M
Free Cash Flow(102.0M)(55.5M)(148.8M)298.9M288.6M211.4M
Depreciation30.8M34.3M49.1M51.7M53.6M56.3M
Other Non Cash Items1.4M462.4M(297.9M)42.5M31.0M32.5M
Dividends Paid167.7M272.9M192.8M206.8M221.7M232.8M
Capital Expenditures102.0M55.5M148.8M67.2M92.6M97.3M
Net Income316.8M293.3M297.9M298.6M446.1M257.4M
End Period Cash Flow336.7M161.2M183.7M142.1M144.1M162.9M
Investments(23.4M)(187.7M)(36.7M)(41.5M)(137.7M)(144.5M)
Change To Netincome(234.2M)(253.5M)(235.3M)(263.5M)(237.2M)(225.3M)
Net Borrowings(1.9M)(2.0M)(2.0M)(94.1M)(84.7M)(80.4M)

Erie Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Erie Indemnity's current stock value. Our valuation model uses many indicators to compare Erie Indemnity value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Erie Indemnity competition to find correlations between indicators driving Erie Indemnity's intrinsic value. More Info.
Erie Indemnity is rated # 3 in return on equity category among its peers. It is one of the top stocks in return on asset category among its peers reporting about  0.50  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Erie Indemnity is roughly  1.99 . At present, Erie Indemnity's Return On Equity is projected to slightly decrease based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Erie Indemnity by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Erie Indemnity Systematic Risk

Erie Indemnity's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Erie Indemnity volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Erie Indemnity correlated with the market. If Beta is less than 0 Erie Indemnity generally moves in the opposite direction as compared to the market. If Erie Indemnity Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Erie Indemnity is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Erie Indemnity is generally in the same direction as the market. If Beta > 1 Erie Indemnity moves generally in the same direction as, but more than the movement of the benchmark.

Erie Indemnity Thematic Clasifications

Erie Indemnity is part of Insurance investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Insurance industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
InsuranceView
This theme covers USA Equities from Insurance industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in Erie Indemnity Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Erie Indemnity's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Erie Indemnity growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.65

At present, Erie Indemnity's Price Earnings To Growth Ratio is projected to increase significantly based on the last few years of reporting.

Erie Indemnity November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Erie Indemnity help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Erie Indemnity. We use our internally-developed statistical techniques to arrive at the intrinsic value of Erie Indemnity based on widely used predictive technical indicators. In general, we focus on analyzing Erie Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Erie Indemnity's daily price indicators and compare them against related drivers.

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When running Erie Indemnity's price analysis, check to measure Erie Indemnity's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Erie Indemnity is operating at the current time. Most of Erie Indemnity's value examination focuses on studying past and present price action to predict the probability of Erie Indemnity's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Erie Indemnity's price. Additionally, you may evaluate how the addition of Erie Indemnity to your portfolios can decrease your overall portfolio volatility.
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