Analysis for ERIE
- 📈 Growth — 25/30
- 💰 Profitability — 17/20
- 🏦 Financial Health — 18/20
- 💵 Valuation — 12/20
- ⚠️ Risk — 4/10
Summary:
📈 Growth & Financial Trajectory
Across the seven quarters, Revenues rose from about $1.00B in 2024 Q3 to about $1.09B in 2026 Q2, a roughly 9% gain. Net income grew from about $159.8M to $180.3M, up ~13%, with modest quarterly fluctuations (notably a dip in 2025 Q1). The path shows durable profitability and solid operating cash flow.
💰 Margins & Cash Flow
Operating margin stayed in the high teens, around 19% in 2026 Q2, supported by a stable cost base. Net cash flow from operating activities remained robust, typically in the $170M–$220M range, while investing cash flow was negative and financing activity modest.
🛡️ Balance Sheet & Liquidity
Assets run around $3.0B–$3.56B, with equity near $2.0B–$2.47B. Current ratio hovers near 1.25x, noncurrent liabilities are modest (~$120M), and leverage remains comfortable, indicating resilience and liquidity.
⚠️ Key Drivers & Risks
- Drivers: Stable underwriting economics and strong operating cash flow.
- Risks: Regulatory sensitivity and investment yield/valuation volatility; reliance on a single insurer platform could pressure margins.