Erie Indemnity Company (ERIE) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Erie Indemnity Company stock (ERIE) is currently trading at $236.09. Erie Indemnity Company PE ratio is 22.48. Erie Indemnity Company PS ratio (Price-to-Sales) is 3.09. Analyst consensus price target for ERIE is $115.00. WallStSmart rates ERIE as Underperform.
- ERIE PE ratio analysis and historical PE chart
- ERIE PS ratio (Price-to-Sales) history and trend
- ERIE intrinsic value — DCF, Graham Number, EPV models
- ERIE stock price prediction 2025 2026 2027 2028 2029 2030
- ERIE fair value vs current price
- ERIE insider transactions and insider buying
- Is ERIE undervalued or overvalued?
- Erie Indemnity Company financial analysis — revenue, earnings, cash flow
- ERIE Piotroski F-Score and Altman Z-Score
- ERIE analyst price target and Smart Rating
Erie Indemnity Company
📊 No data available
Try selecting a different time range
ERIE Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Erie Indemnity Company (ERIE)
ERIE trades 286% above its Graham fair value of $72.76, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Erie Indemnity Company (ERIE) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, return on equity. Concerns around price/book and revenue growth. Mixed signals suggest waiting for clearer direction before acting.
Erie Indemnity Company (ERIE) Key Strengths (2)
Every $100 of shareholder equity generates $26 in profit
Large-cap company with substantial market presence
Supporting Valuation Data
Erie Indemnity Company (ERIE) Areas to Watch (8)
Earnings declining -58.40%, profits shrinking
Very expensive at 5.5x book value
Revenue growing slowly at 2.90% annually
Paying a premium for growth, expensive relative to earnings expansion
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 3.09x sales
Decent profitability, keeps $14 per $100 revenue
Moderate institutional interest at 45.87%
Supporting Valuation Data
Erie Indemnity Company (ERIE) Detailed Analysis Report
Overall Assessment
This company scores 49/100 in our Smart Analysis, earning a D+ grade. Out of 10 metrics analyzed, 2 register as strengths (avg 9.5/10) while 8 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Market Cap. Profitability is solid with Return on Equity at 26.20%.
The Bear Case
The primary concerns are EPS Growth, Price/Book, Revenue Growth. Some valuation metrics including PEG Ratio (2.67), Price/Sales (3.09), Price/Book (5.51) suggest expensive pricing. Growth concerns include Revenue Growth at 2.90%, EPS Growth at -58.40%, which may limit upside. Profitability pressure is visible in Operating Margin at 17.20%, Profit Margin at 13.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 26.20% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 2.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Price/Book are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ERIE Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ERIE's Price-to-Sales ratio of 3.09x trades 89% above its historical average of 1.64x (81th percentile), historically expensive. The current valuation is 16% below its historical high of 3.68x set in Nov 2018, and 693% above its historical low of 0.39x in Jan 2010. Over the past 12 months, the PS ratio has compressed from ~3.5x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Erie Indemnity Company (ERIE) · FINANCIAL SERVICES › INSURANCE BROKERS
The Big Picture
Erie Indemnity Company is a strong growth company balancing expansion with improving profitability. Revenue reached 4.1B with 290% growth year-over-year. Profit margins of 13.8% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 290% YoY, reaching 4.1B. This pace significantly outperforms most INSURANCE BROKERS peers.
ROE of 2620.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Earnings fell 58% YoY while revenue grew 290%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Margin expansion: can Erie Indemnity Company push profit margins above 15% as the business scales?
Growth sustainability: can Erie Indemnity Company maintain 290%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INSURANCE BROKERS industry trends, competitive moves, and regulatory changes that could impact Erie Indemnity Company.
Bottom Line
Erie Indemnity Company offers an attractive blend of growth (290% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(50 last 3 months)
| Insider | Type | Shares |
|---|---|---|
DABREO, ANTHONY Senior Vice President, Life | Buy | +500 |
Data sourced from SEC Form 4 filings
Last updated: 8:27:08 AM
About Erie Indemnity Company(ERIE)
NASDAQ
FINANCIAL SERVICES
INSURANCE BROKERS
USA
Erie Indemnity Company is an administrative agent for underwriters on the Erie Insurance Exchange in the United States. The company is headquartered in Erie, Pennsylvania.