ERIE
Financial Services · Insurance Brokers
Performance
ERIE (ERIE) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
ERIE (ERIE) operates in the Insurance Brokers space within the Financial Services sector. With a market cap of $11.9B, it qualifies as a mid-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.
- Forward P/E (16.2×) is lower than trailing P/E (20.9×) — analysts expect earnings to improve
- Healthy profit margin of 14.0%
- ROE of 25.9% shows management efficiently converts equity into profit
- Dividend yield of 2.61% provides consistent income on top of price appreciation
- Price is near its 52-week low — potential entry point with asymmetric upside
- Low beta of 0.31 — less volatile than the market, suitable for conservative portfolios
- High debt-to-equity of 2.11× increases financial risk, especially with elevated interest rates
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
2.61%
5Y Avg Annual
$4.5372
Last Payment
$1.4630
Ex-Date
04/07/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest04/07/2026 | 04/21/2026 | $1.4630 | 2.57% |
01/06/2026 | 01/20/2026 | $1.4630 | 2.57% |
10/06/2025 | 10/20/2025 | $1.3650 | 2.40% |
07/08/2025 | 07/22/2025 | $1.3650 | 2.40% |
04/07/2025 | 04/21/2025 | $1.3650 | 2.40% |
01/07/2025 | 01/21/2025 | $1.3650 | 2.40% |
10/07/2024 | 10/21/2024 | $1.2750 | 2.24% |
07/09/2024 | 07/23/2024 | $1.2750 | 2.24% |
Magic Number
Shares needed to self-fund your next purchase
$227.58
Price
$1.4630
Last div. (quarterly)
156
shares
Own 156 ERIE shares ($35,501.70) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$35,501.70
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Aug 6, 2026
51
days
EPS (TTM)
$10.91
P/E (TTM)
20.9
Fwd P/E
16.2
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $227.57
Graham Number
√(22.5 × EPS × Book Value)
$105.11
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$79.67
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
9/10
90% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
25.9%Return on equity — measures how efficiently capital is used
Positive profit margin
14.0%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+2.3%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+8.7%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
2.11×Low financial leverage reduces risk of distress
Current ratio above 1
1.29×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$51M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.61%Stock must distribute income to shareholders
Related Assets
Financial Services
About ERIE
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.
Sector
Financial Services
Industry
Insurance Brokers
Location
Erie, United States
Employees
6,667