Yahoo! Finance Canada report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Why ERIE Stock surged +4.23% Today — RQD Quant Desk Flash
Erie Indemnity Company (ERIE) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 24% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is ERIE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Erie Indemnity Company (NASDAQ: ERIE) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $261.39 (+4.23% 1D, market cap $11.58B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, ERIE ranks #47 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does ERIE compare to RYAN and FNF in the Financials sector?
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Within the Financials sector (Specialty Insurers), ERIE carries a Roarable B (74/100 RQD), trailing P/E of 20.7x, gross margin of —, and ROIC of 24.3%. By comparison, RYAN (Ryan Specialty Holdings Inc.) holds a C+ grade (67/100 RQD, P/E N/A, ROIC 10.3%, cap $11.07B) and FNF (Fidelity National Financial Inc.) posts a D+ grade (58/100 RQD, P/E 17.9x, ROIC 1.2%, cap $10.80B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while ERIE leads on capital efficiency (24.3% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for ERIE?
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Per ERIE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000922621), Erie Indemnity Company generated $4.07B in revenue (+7.2% YoY), $559.3M in net income, and $503.6M in free cash flow against $3.36B in total assets and $482.4M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 12.4% FCF Margin ($503.6M FCF) & 52% Gross Margin
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Macro rate sensitivity & RSI-14 (56.4) create a -8 pt regime headwind
⚔️ Adversarial Opposing Case: Why the ERIE Bull Thesis Could Fail
Even with a 74/100 (B) score, ERIE faces multiple-compression risk if 20.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($240.95) or 200D SMA ($244.11) invalidates the momentum regime and cuts Target Base ($280.21) toward Bear Floor ($214.34).
Why ERIE Stock surged +4.23% Today — RQD Quant Desk Flash
Erie Indemnity Company (ERIE) surged +4.23% to $261.39, trading at 59% of its 52-week range ($204.63 – $301.61). High-quality cash engine (steady margins, 24% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 59% of its 52-week range ($204.63 – $301.61) with RSI-14 at 56.4 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6.5% around $261.39 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $503.6M annual free cash flow.
Investing.com report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Moby summary of Erie Indemnity Company's Q3 2026 earnings call
Erie Indemnity Q3 2026 EPS matched analyst estimates at $3.48, but revenue fell 14% short; shares were flat after hours despite the mixed quarter.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (ERIE Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
ERIE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ERIE today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ERIE. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ERIE)
1. Head-to-Head Financials Peer Comparison (ERIE vs. RYAN, FNF, EQH, ACT)
Industry: Specialty Insurers (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Erie Indemnity Company (ERIE) ranks #47 by composite RQD confidence (74/100, grade B) and #166 by equity capitalization ($11.58B). Within this direct 5-issuer industry benchmark cohort, ACT leads on earnings valuation at 9.8x trailing P/E, while ERIE leads on capital efficiency and profitability with 24.3% ROIC and — gross margin. ERIE currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| ERIE
ACTIVE
Erie Indemnity Company | B | 74/100 | 20.7x | — | 24.3% | +4.23% | $11.58B | Benchmark Subject |
| RYAN Ryan Specialty Holdings Inc. | C+ | 67/100 | — | — | 10.3% | +1.29% | $11.07B | /ryan-vs-erie → |
| FNF Fidelity National Financial Inc. | D+ | 58/100 | 17.9x | — | 1.2% | +0.57% | $10.80B | /fnf-vs-erie → |
| EQH Equitable Holdings Inc. | D+ | 56/100 | — | — | 0.0% | -1.39% | $14.91B | /eqh-vs-erie → |
| ACT Enact Holdings Inc. | B | 73/100 | 9.8x | — | 12.6% | -1.83% | $6.61B | /act-vs-erie → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000922621In its most recent audited fiscal period (FY2025, filed 2025-12-31), Erie Indemnity Company (ERIE) reported GAAP revenue of $4.07B (+7.2% vs. FY2024 revenue of $3.80B , and +24.4% cumulative change since FY2023) , GAAP net income of $559.3M, operating cash flow of $686.7M, and free cash flow of $503.6M (+14.3% YoY). On the balance sheet, ERIE closed FY2025 with $3.36B in total assets against $482.4M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $4.07B | $559.3M | $686.7M | $503.6M | $3.36B | $482.4M |
| FY2024 (FY) | 2024-12-31 | $3.80B | $600.3M | $611.2M | $440.5M | $2.89B | $405.6M |
| FY2023 (FY) | 2023-12-31 | $3.27B | $446.1M | $381.2M | $234.1M | $6.37B | $1.49B |
3. ERIE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs ERIE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Erie Indemnity Company (NASDAQ: ERIE) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $261.39 (+4.23% 1D, market cap $11.58B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, ERIE ranks #47 in composite RQD confidence.
How does ERIE compare to RYAN and FNF in the Financials sector?
Within the Financials sector (Specialty Insurers), ERIE carries a Roarable B (74/100 RQD), trailing P/E of 20.7x, gross margin of —, and ROIC of 24.3%. By comparison, RYAN (Ryan Specialty Holdings Inc.) holds a C+ grade (67/100 RQD, P/E N/A, ROIC 10.3%, cap $11.07B) and FNF (Fidelity National Financial Inc.) posts a D+ grade (58/100 RQD, P/E 17.9x, ROIC 1.2%, cap $10.80B). Among the 5-stock peer group, ACT leads on earnings multiple (9.8x) while ERIE leads on capital efficiency (24.3% ROIC).
What are the biggest fundamental strengths and SEC risk factors for ERIE?
Per ERIE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000922621), Erie Indemnity Company generated $4.07B in revenue (+7.2% YoY), $559.3M in net income, and $503.6M in free cash flow against $3.36B in total assets and $482.4M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is ERIE trading relative to its 50-day, 200-day, and 52-week technical levels?
ERIE last traded at $261.39 (+4.23% on volume of 719,960 shares), positioning the stock +8.48% above its 50-day simple moving average ($240.95) and +7.08% above its 200-day simple moving average ($244.11). Across its 52-week range of $204.63 to $301.61, ERIE sits at the 58.5% percentile with a 14-day RSI of 56.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.5% ($244.40 to $278.38).
ERIE Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is ERIE stock moving today?
Why ERIE Stock surged +4.23% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 24% return on capital) with steady institutional support.
ERIE — Erie Indemnity Company: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, ERIE scores 74 out of 100, grade B, labeled "Roarable Buy — Good Risk/Reward." The five pillars are:
- Fundamental Cash Engine: 19 / 20. Per the Roarable RQD rating this is the strongest pillar, cited with ROIC of 24.3% and FCF yield of 4.35%. For a prospective investor, this suggests the business converts capital into returns efficiently; the FCF yield indicates cash generation relative to market value, which is the primary support for the valuation case.
- Insider Conviction: 16 / 20. Per the Roarable RQD rating, this reflects SEC Form 4 and Congressional PTR cluster flow. The score implies insider-side activity is constructive, though the underlying trade-level detail is not included in the provided source data.
- Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, cited with Altman Z of 2.5, Piotroski F of 8/9, and Debt/Equity of 0.5. These figures point to a financially sound balance sheet with strong accounting-quality signals.
- Whale / 13F Flow: 12 / 20. Per the Roarable RQD rating, this reflects institutional accumulation and options positioning. The moderate score indicates institutional interest is present but not dominant; the underlying 13F and options detail is not included in the source data.
- Macro Regime Fit: 12 / 20. Per the Roarable RQD rating, cited with Beta of 0.89 and sector sensitivity. A beta below 1 suggests the stock has historically moved less than the broader market, which may appeal to investors seeking lower market sensitivity, though it also implies limited upside amplification in strong rallies.
Valuation tradeoffs: per the market data, trailing P/E is 20.7 and forward P/E is 19.3, with EV/EBITDA at 13.3. The stock sits at $250.79 within a 52-week range of $204.63 - $301.61, so it trades roughly in the middle-upper portion of that band. Upside drivers implied by the rating are cash generation and returns on capital; the primary valuation tradeoff is that a high ROIC and strong FCF are already reflected in a multiple that is not depressed. The rating is a model-based composite and does not constitute personalized financial advice.
Snapshot
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $4067.3M | $717.2M | $559.3M | N/A | $503.6M | N/A | $482.4M |
| FY 2024 | $3795.1M | $676.5M | $600.3M | N/A | $440.5M | N/A | $405.6M |
| FY 2023 | $3268.9M | $520.3M | $446.1M | N/A | $234.1M | N/A | $1490.8M |
Per the SEC financials, revenue grew from $3268.9M (FY 2023) to $4067.3M (FY 2025), and operating income rose from $520.3M to $717.2M over the same period. Net income was $559.3M in FY 2025 versus $600.3M in FY 2024, a decline year over year. Per the market data, operating margin is 17.6%, net margin is 13.8%, and ROIC is 24.3%. Per the Roarable RQD rating, Altman Z is 2.5 and Piotroski F is 8/9, and Debt/Equity is 0.5. Reported debt fell from $1490.8M (FY 2023) to $482.4M (FY 2025). Gross margin is listed as 0%, which the source does not clarify further.
Recent Catalysts & News Wire Analysis
Per the recent news feed, ERIE received multiple coverage items in the window before the data timestamp:
- A Benzinga item and an Investing.com item reference the Q3 2026 earnings call transcript, with one headline stating the company "tops Q3 2026 profit view, shares rise." Per that headline, the earnings result was received positively.
- A TradingView item is titled "Erie Indemnity Reports Third Quarter 2026 Results." Per the source, the company published Q3 2026 results.
- An Investing.com item asks why the stock is rallying roughly 3% today, categorized as a catalyst.
- Yahoo Finance coverage previews the "next earnings report," indicating a further upcoming event. The date is not available in source data.
Risk watch items: the feed does not identify specific risks beyond general market commentary. Proprietary signals: per the Butterfly Supply-Chain Graph, no proprietary signals are present.
Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples
Per the Butterfly Supply-Chain Graph, supply_chain is "NONE," with no butterfly links and no proprietary signals. Upstream and downstream dependency mapping is not available in source data. Sector correlation data is not available in source data. Second-order bottlenecks are not available in source data. A prospective investor should note that the absence of graph linkage means this dossier cannot quantify ripple effects from peers or suppliers.
Open Questions
- What is the specific source and date of the Q3 2026 results, and what were the reported EPS and revenue figures versus expectations?
- The FY 2025 and FY 2024 EPS and cash balances are listed as N/A. What are the reported per-share earnings and cash positions for those periods?
- What drove the decline in net income from $600.3M (FY 2024) to $559.3M (FY 2025) despite revenue growth?
- What is the date of the next earnings report referenced in the news feed?
- What insider, 13F, and Congressional transactions underlie the Insider Conviction and Whale Flow pillar scores?
ERIE Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Erie Indemnity Company (ERIE) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Erie Indemnity Company (ERIE) market action, institutional positioning, and fundamental catalysts.
ERIE Bull vs. Bear Conversation Board — What's Your Call at $261.39?
🔥 Official Bull vs. Bear Debate: Is ERIE (B • RQD 74/100) a Buy at $250.79?
Welcome to the ERIE (Erie Indemnity Company) Roar Pit. Current RQD Composite is 74/100 (Roarable Buy — Good Risk/Reward) in Specialty Insurers. Bulls point to capital efficiency (24.3% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on ERIE — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on ERIE, but look at what you are paying: 20.7x trailing P/E with tightening sector spreads. Unless Erie Indemnity Company expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
ERIE cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on ERIE, the market is fixating on short-term headline noise in Specialty Insurers and ignoring the balance sheet and cash flow trajectory. At $250.79 (52-wk range $204.63 - $301.61), any beat on forward guidance forces shorts and underweight funds to chase.