Erie Indemnity (ERIE)
Financials · Property & Casualty Insurance Services · NASDAQ
Erie Indemnity acts as the management company for the Erie Insurance Exchange, earning fees for underwriting, policy issuance, and administrative support services.
What Erie Indemnity does
Erie Indemnity provides management and administrative services to the Erie Insurance Exchange, a reciprocal insurance organization. The company facilitates the issuance and renewal of insurance policies and provides various administrative and management services essential to the Exchange's insurance operations.
Themes: Insurance management services, Reciprocal insurance operations, P&C insurance ecosystem
Fundamentals
- Price$264.85 as of 2026-08-21 close
- Market cap$12.1B as of 2026-08-24
- 1-year return-26.4% 2025-08-21 close $359.82 → 2026-08-21 close $264.85
- P/E20.96 as of 2026-08-24
- Net margin+14.0% as of 2026-08-24
- Gross margin+17.9% as of 2026-08-24
- ROE+24.5% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+3.7% as of 2026-08-24
- Revenue CAGR (3y)+12.7% SEC XBRL
- Beta0.32 as of 2026-08-24
- Last reported earnings2026-07-30 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.6%; pays a dividend.
How ERIE compares in its sector
- price-to-earnings ratiotop 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- gross marginbottom 10% 176 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)top 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
ERIE is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no shareholder return data.
Short-term score
64.3 #71 of 1,704 scored · #12 of 277 in Financials
Catalysts 74th: open-market insider buys in 90 days 52, the analyst consensus rating is unchanged since the prior reading; volume and participation 69th: trading volume is about normal versus its 30-day average; weakest is setup 54th: day-to-day price swings are about average versus its own recent 6-month history.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, ERIE's dividend was covered by reported results (earnings payout 45%, free-cash-flow payout 45%). This describes past coverage, not a forecast.
- Earnings payout45% dividends / net income
- Free-cash-flow payout45% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Erie Indemnity looks technically
Erie Indemnity (ERIE) is trading 3.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed below its 200-day average about 409 trading days ago — a "death cross", a bearish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 61, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 3 trading days ago. It is 28.2% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 3.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +3.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $239.54 | $239.54 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $256.19 | $256.19 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 37 calendar days ago — the swings before that are what the structure reading is measured on | 37 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 409 trading days ago — a "death cross", a bearish long-term signal | 409 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 3.4% above | +3.4% |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend) | 22.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 61, neither overbought (above 70) nor oversold (below 30) | 61.2 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($231.04 to $270.47) — its "stochastic" reading is 86 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 85.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 18 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $368.80 | $368.80 |
|---|---|---|
| From the 52-week high | it is 28.2% below its 52-week high (its highest price of the past year) | -28.2% |
| Above the 52-week low | it is 29.4% above its 52-week low (its lowest price of the past year) | +29.4% |
| Below the 52-week high | it is 28.2% below its highest point of the past year | 28.2% |
| Since a 20-day breakout | it made a new 20-day high about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day high about 3 trading days ago | 3 sessions |
| All-time high | its highest closing price on record is $547.00 (set on 2024-09-25) | $547.00 |
| Given back of the 52-week move | over the past year its closes ranged ($207.24 to $366.36), and it has recovered roughly a third of its fall from last year’s high — 36% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $305.58 to $310.67. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 36.2% |
| From the all-time high | it is 51.6% below its all-time high | -51.6% |
| Nearest price level | it is trading 0.9% above a support level at $262.47 — a price it turned at twice since 2026-04-13, most recently on 2026-07-07. Since 2024-08-21 it has 4 such levels below the current price and 13 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.9% |
| All-time low | its lowest closing price on record is $19.50 (set on 2008-10-10) | $19.50 |
| Above the all-time low | it is 1258.2% above its all-time low | +1,258% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 46th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $9.86 between its high and its low — about 3.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $9.86 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $230.63 and $270.57 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $230.63 – $250.60 – $270.57 |
| Typical daily range (% of price) | its price moves about 3.7% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.7% |
| Stretch from the 200-day average | it is trading 0.9 daily ranges above its 200-day average price (3.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.26× |
|---|
Analyst
2
| Change in the average price target | not available for this company yet | n/a |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 at essentially the same price it closed at the session before — no meaningful overnight gap | +0.0% |
|---|---|---|
| Open gap | it gapped 2.4% above the previous close 18 sessions ago and has not traded back through the level it left behind at 228.26 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.4% |
| Gap filled | a 2.9% gap up opened on 2026-07-31 has been "filled" 15 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 15 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 20.4 percentage points (the stock gained 22.7% while the market gained 2.3%) | +20.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 14.8 percentage points (the stock gained 17.9% while the market gained 3.1%) | +14.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 14.1 percentage points (the stock lost 3.0% while the market gained 11.1%) | -14.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 46.9 percentage points (the stock lost 26.4% while the market gained 20.5%) | -46.9% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, lagging the market over 6 months, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 13% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.2% of the share price, which is taken to mean a barrier that gives way easily. | +13.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $245.90 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +7.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% above the average price paid since it last reported on 2026-07-30 (its 10-Q), so the typical buyer over that stretch is showing a gain. That average is $250.85 — a volume-weighted average of daily closes over 17 sessions, not a true tick-by-tick VWAP. | +5.6% |
Price levels it has turned at before
ERIE last closed at $264.85 on 2026-08-21. Since 2024-08-21 it has turned at 4 prices below its last close and 13 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $262.47 | Support | 0.9% below the last close | turned there twice · 2026-04-13 to 2026-07-07 |
| $268.73 | Resistance | 1.5% above the last close | turned there twice · 2026-01-28 to 2026-02-10 |
| $276.69 | Resistance | 4.5% above the last close | turned there five times · 2025-11-10 to 2026-03-05 |
| $290.83 | Resistance | 9.8% above the last close | turned there three times · 2025-12-30 to 2026-02-06 |
| $235.31 | Support | 11.2% below the last close | turned there three times · 2026-03-11 to 2026-06-11 |
| $210.07 | Support | 20.7% below the last close | turned there three times · 2026-05-04 to 2026-07-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Tested and reclaimed 200-day support · Pulled back from the 12-month high · Broke out to a new 20-day high · lagging the market · At the top of its 14-day range (stochastic above 80) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst EPS estimate for ERIE
- Consensus EPS estimate$3.41 next reporting period, as of 2026-08-19
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Dependence on the financial results and operations of the Erie Insurance Exchange","Regulatory changes affecting the insurance industry and reciprocal exchanges","Risks associated with the investment portfolio performance"]
What changed in the latest 10-Q
AI-assisted comparison of ERIE's 10-Q filed 2026-04-23 against the prior one filed 2025-10-30.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to Annual Report on Form 10-K filed 'February 23, 2026' (newer filing) versus 'February 27, 2025' (older filing)
- Added 'Part II, Item 7' reference in newer filing (previously stated as 'Item 7')
- Added bullet point risk factor: 'ability to attract, develop, retain, and protect talented management and employees' (newer filing, 2026-04-23)
- Added reference to 'See Part I, Item 1. "Financial Statements - Note 4, Segment Information, of Notes to Consolidated Financial Statements"' in newer filing regarding expense categories
- Text truncates mid-sentence in newer filing at 'Claims handling servic' (incomplete)
- Removed:
- Removed 'recently issued accounting standards' language; changed to 'recently adopted and issued accounting standards' in newer filing
- Removed phrase 'and issuance of policies' detail; changed to 'and issuance of policies.' with period in newer filing
- Removed 'and policy processing' detail; changed to 'and policy processing.' in newer filing
- Removed 'See Part I, Item 1. "Financial Statements - Note 2, Significant Accounting Policies..." for discussion of recently issued accounting standards' (older language)
- Removed references to claims handling services, life insurance management services, and investment management services descriptions that appeared in older filing
- Reworded:
- Changed 'ability to attract and retain talented management and employees' to 'ability to attract, develop, retain, and protect talented management and employees' (added 'develop' and 'protect')
- Changed 'underwriting and issuance of policies' to 'sales, underwriting, and issuance of policies' (added 'sales' explicitly)
- Changed 'underwriting and policy processing' to 'underwriting and policy processing' with added clause about IT services support
- Rephrased 'Included in these expenses are allocations of costs for departments' to 'Included in expenses for these services are allocations of costs for departments' (substituted 'these services' for 'these expenses')
- Changed 'partnerships, and corporations' to 'partnerships, and corporations' (punctuation consistency)
- Changed comma usage in forward-looking statements section: 'intentions, and adequacy' to 'intentions and adequacy' (removed comma before 'and')
- Notes:
- Newer filing text is truncated at 'Claims handling servic', preventing full comparison of subsequent sections
- Page number changes in INDEX (23 vs 26, 24 vs 27, 27 vs 30, 33 vs 36, 34 vs 37, 36 vs 39) reflect content reorganization but exact cause cannot be determined from provided text
- Comparison limited to MD&A header and opening sections; substantive results of operations and financial condition sections not fully visible in newer filing
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
3 open-market purchases and 0 open-market sales by insiders in the last 90 days.
- Last 90 days3 buys ($1M) · 0 sells — 1 buying insider
- Last 180 days3 buys ($1M) · 1 sell ($100952) — 1 buying, 1 selling insiders
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-02. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about ERIE's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Congressional trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 2 matched disclosures for ERIE from U.S. House Clerk Periodic Transaction Report filings.
Congressional trading disclosures →Institutional ownership (13F)
6 institutional 13F filers reported holding ERIE as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 6
- Reported shares held 3,026,824
- Reported value $760,671,178
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
ERIE had 2,846,745 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for ERIE because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 2,846,745
- Prior settlement (shares) 2,946,827
- Reported change -3.4%
- Days to cover (reported) 8.89
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Progressive (PGR)
- Allstate (ALL)
- Travelers (TRV)
- State Farm
- GEICO
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare ERIE vs…
Frequently asked questions
What does Erie Indemnity (ERIE) do?
Erie Indemnity provides management and administrative services to the Erie Insurance Exchange, a reciprocal insurance organization. The company facilitates the issuance and renewal of insurance policies and provides various administrative and management services essential to the Exchange's insurance operations.
What sector is Erie Indemnity (ERIE) in?
Erie Indemnity (ERIE) is classified in the Financials sector. Its industry is Property & Casualty Insurance Services. It trades on NASDAQ.
Does ERIE pay a dividend?
Yes — Erie Indemnity (ERIE) pays a dividend, with an indicated yield of about 1.63% (market data, as of 2026-08-24). Informational only — not financial advice.
Who are Erie Indemnity's (ERIE) competitors?
Notable peers of Erie Indemnity (ERIE) include Progressive, Allstate, Travelers, State Farm and GEICO. This peer set is informational only — not financial advice.
Has there been recent Congressional stock trading in ERIE?
Yes — we hold 2 matched STOCK Act disclosures for ERIE from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Erie Indemnity (ERIE) overbought or oversold right now?
Erie Indemnity (ERIE) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 61, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on ERIE come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.