Erie Indemnity

Financials Insurance Brokers Erie, Pennsylvania Last filing Feb 23, 2026 · FY2025

                    Revenue
                    FY2019
                
$34.5M
                    
                    +10.3%
                    
                    Net income
                    FY2025
                
$559.3M
                    
                    -6.8%
                    
                    Total assets
                    FY2025
                
$3.4B
                    ROA +16.7%
                    
                    P96
                    
                    +16.2%
                    
                    Operating cash flow
                    FY2025
                
$686.7M
                    
                    +12.3%

18 yrs · FY2008–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s revenue.

Balance Sheet

Assets, liabilities, and equity

24 accounts · 10 years

Total assets $3.4B

Total liabilities $1.1B

Shareholders equity $2.3B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	—	—	—	—	—	—	977.2%	853.0%	824.8%	869.8%
Short Term Investments	—	—	—	—	—	—	95.2%	1288.1%	272.2%	258.3%
Accounts Receivable	—	—	—	—	—	—	0.0%	0.0%	0.0%	0.0%
Prepaid Expenses	—	—	—	—	—	—	130.4%	118.1%	133.4%	138.8%
Other Current Assets	—	—	—	—	—	—	281.1%	197.2%	110.1%	92.5%
Total Current Assets	—	—	—	—	—	—	2586.8%	3742.5%	3065.9%	3061.7%
Operating Lease Assets	—	—	—	—	—	—	—	—	—	—
Other Noncurrent Assets	—	—	—	—	—	—	281.1%	197.2%	110.1%	92.5%
Total Assets	—	—	—	—	—	—	5851.0%	5693.6%	6369.2%	7125.9%
Liabilities
Accounts Payable	—	—	—	—	—	—	391.6%	356.3%	399.7%	405.5%
Accrued Liabilities	—	—	—	—	—	—	1705.5%	1751.5%	1949.6%	2160.4%
Deferred Revenue	—	—	—	—	—	—	104.3%	108.4%	—	—
Other Current Liabilities	—	—	—	—	—	—	62.7%	38.1%	5.6%	8.6%
Total Current Liabilities	—	—	—	—	—	—	1705.5%	1751.5%	1949.6%	2160.4%
Deferred Revenue Noncurrent	—	—	—	—	—	—	53.5%	57.2%	—	—
Deferred Tax Liabilities	—	—	—	—	—	—	84.8%	—	—	—
Other Noncurrent Liabilities	—	—	—	—	—	—	62.7%	38.1%	5.6%	8.6%
Total Liabilities	—	—	—	—	—	—	2562.4%	2576.2%	3091.2%	3367.7%
Equity
Additional Paid In Capital	—	—	—	—	—	—	47.8%	52.7%	63.0%	75.0%
Retained Earnings	—	—	—	—	—	—	6899.5%	7144.2%	8185.3%	9504.1%
Treasury Stock	—	—	—	—	—	—	3363.1%	3706.3%	4418.5%	5317.4%
Accumulated Other Comprehensive Income	—	—	—	—	—	—	-339.1%	-417.1%	-596.7%	-558.4%
Total Stockholders Equity	—	—	—	—	—	—	3288.6%	3117.3%	3277.9%	3758.2%
Total Liabilitiesand Equity	—	—	—	—	—	—	5851.0%	5693.6%	6369.2%	7125.9%

Income Statement

Revenue, expense, and profitability

9 accounts · 10 years

Revenue $34.5M

Operating income $717.2M

Net income $559.3M

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Expenses Depreciation and Amortization	—	—	—	—	—	—	48.8%	42.9%	56.6%	69.5%
Expenses Operating Expenses	—	—	—	—	—	—	6151.9%	6524.5%	5358.5%	5994.9%
Other Income Expense Operating Income	—	—	—	—	—	—	1037.0%	1102.5%	1109.7%	1350.3%
Other Income Expense Interest Income	—	—	—	—	—	—	100.0%	100.0%	100.0%	100.0%
Other Income Expense Other Income/expense	—	—	—	—	—	—	0.7%	11.7%	-7.3%	-5.4%
Other Income Expense Income Before Tax	—	—	—	—	—	—	1151.2%	1188.8%	1207.0%	1472.6%
Income Tax Income Tax Expense	—	—	—	—	—	—	231.8%	266.0%	453.8%	504.8%
net Income net Income	—	—	—	—	—	—	919.4%	922.8%	753.2%	967.8%
net Income Comprehensive Income	—	—	—	—	—	—	958.3%	1005.3%	721.5%	855.0%

Cash Flow Statement

Operating, investing, and financing flows

14 accounts · 10 years

Operating cash flow $686.7M

Investing cash flow $-439.3M

Financing cash flow $-199.9M

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	—	—	—	—	—	—	919.4%	922.8%	753.2%	967.8%
Operating Activities Depreciation and Amortization	—	—	—	—	—	—	48.8%	42.9%	56.6%	69.5%
Operating Activities Changes In Operating Assets and Liabilities	—	—	—	—	—	—	12.6%	-10.4%	29.2%	21.5%
Operating Activities net Cash From Operating Activities	—	—	—	—	—	—	1057.8%	843.9%	753.7%	1170.1%
Investing Activities Purchases of Investments	—	—	—	—	—	—	193.7%	13.1%	1495.6%	1701.3%
Investing Activities Proceeds From Sale of Investments	—	—	—	—	—	—	46.7%	13.3%	551.8%	411.7%
Investing Activities Other Investing Activities	—	—	—	—	—	—	685.2%	666.1%	761.2%	809.8%
Investing Activities net Cash From Investing Activities	—	—	—	—	—	—	-361.7%	-260.6%	-285.5%	-630.0%
Financing Activities Dividends Paid	—	—	—	—	—	—	486.5%	501.0%	557.3%	625.6%
Financing Activities net Cash From Financing Activities	—	—	—	—	—	—	-492.1%	-421.0%	-366.3%	-511.6%
Cash Reconciliation Effect of Exchange Rate On Cash	—	—	—	—	—	—	977.2%	853.0%	824.8%	—
Cash Reconciliation net Change In Cash	—	—	—	—	—	—	204.1%	162.3%	101.9%	28.4%
Cash Reconciliation Cash At Beginning of Period	—	—	—	—	—	—	977.2%	853.0%	824.8%	869.8%
Cash Reconciliation Cash At End of Period	—	—	—	—	—	—	977.2%	853.0%	824.8%	869.8%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	+1037.0%	+1102.5%	+1109.7%	+1350.3%
Net margin	—	—	—	—	—	—	+919.4%	+922.8%	+753.2%	+967.8%
FCF margin	—	—	—	—	—	—	—	—	—	—
Growth
Revenue CAGR (3y)	—	—	—	—	—	—	+16.6%	+18.7%	+15.6%	+11.9%
Returns
ROE	+24.5%	+30.2%	+26.8%	+20.6%	+22.2%	+24.7%	+28.0%	+29.6%	+23.0%	+25.8%
ROA	+16.7%	+20.8%	+18.0%	+13.3%	+13.3%	+13.9%	+15.7%	+16.2%	+11.8%	+13.6%
ROIC	—	—	—	—	+20.1%	+24.0%	+31.9%	+33.1%	+25.3%	+29.6%
Liquidity
Current ratio	1.27x	1.43x	1.31x	1.17x	1.21x	1.17x	1.52x	2.14x	1.57x	1.42x
Quick ratio	1.14x	1.25x	1.09x	1.00x	1.05x	1.04x	0.57x	0.49x	0.42x	0.40x
Leverage
D/E	0.47x	0.45x	0.49x	0.55x	0.67x	0.78x	0.78x	0.83x	0.94x	0.90x
Interest coverage	—	—	—	187.26x	76.98x	462.60x	417.45x	139.98x	234.45x	2906.11x
Efficiency
Asset turnover	—	—	—	—	—	—	0.02x	0.02x	0.02x	0.01x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Erie Indemnity

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