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Upturn AI SWOT - About
ERIE 
Erie Indemnity Company (ERIE)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: ERIE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $115
1 Year Target Price $115
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 51.91% | Avg. Invested days 44 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.53B USD | Price to earnings Ratio 29.68 | 1Y Target Price 115 |
Price to earnings Ratio 29.68 | 1Y Target Price 115 | ||
Volume (30-day avg) 1 | Beta 0.32 | 52 Weeks Range 331.01 - 539.84 | Updated Date 08/29/2025 |
52 Weeks Range 331.01 - 539.84 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.53% | Basic EPS (TTM) 11.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.73% | Operating Margin (TTM) 19.32% |
Management Effectiveness
Return on Assets (TTM) 15.57% | Return on Equity (TTM) 31.14% |
Valuation
Trailing PE 29.68 | Forward PE - | Enterprise Value 18075623020 | Price to Sales(TTM) 4.66 |
Enterprise Value 18075623020 | Price to Sales(TTM) 4.66 | ||
Enterprise Value to Revenue 4.43 | Enterprise Value to EBITDA - | Shares Outstanding 46189100 | Shares Floating 19539678 |
Shares Outstanding 46189100 | Shares Floating 19539678 | ||
Percent Insiders 45.49 | Percent Institutions 40.48 |
Upturn AI SWOT
Erie Indemnity Company
Company Overview
History and Background
Erie Indemnity Company was founded in 1925 by H.O. Hirt and O.G. Crawford in Erie, Pennsylvania. Initially offering auto insurance, it expanded to provide a range of insurance products and services throughout the United States.
Core Business Areas
- Property and Casualty Insurance: Erie Indemnity Company primarily provides property and casualty insurance products, including auto, home, commercial, and umbrella coverage.
Leadership and Structure
Erie Indemnity Company is led by a board of directors and executive management team. The company operates with a hierarchical structure to oversee its insurance operations.
Top Products and Market Share
Key Offerings
- Auto Insurance: Erie's auto insurance offers various coverage options. Market share data is not readily available but itu2019s a major product for the company. Competitors: GEICO (BRK.A), State Farm, Progressive (PGR).
- Homeowners Insurance: Erie's homeowners insurance protects properties from various perils. Market share data is not readily available but is a core offering. Competitors: State Farm, Allstate (ALL), Liberty Mutual.
- Commercial Insurance: Erie provides commercial insurance products. Market share data is not readily available. Competitors: The Hartford (HIG), Travelers (TRV).
Market Dynamics
Industry Overview
The property and casualty insurance industry is competitive and highly regulated, influenced by economic conditions, natural disasters, and technological advancements.
Positioning
Erie Indemnity Company is positioned as a regional insurer known for strong customer service and personalized coverage options.
Total Addressable Market (TAM)
The TAM for property and casualty insurance is in the hundreds of billions of dollars annually. Erie has a regional presence, focusing on specific geographic markets.
Upturn SWOT Analysis
Strengths
- Strong customer service reputation
- Regional focus allows for personalized service
- Financial stability
- Diversified product offerings within P&C
Weaknesses
- Limited geographic presence compared to national insurers
- Lower brand awareness outside of its core regions
- Potentially higher operating costs in certain markets
Opportunities
- Expansion into new geographic markets
- Leveraging technology to improve efficiency and customer experience
- Growing demand for cyber insurance and other specialized coverage
- Capitalizing on increasing insurance premiums
Threats
- Increased competition from national insurers
- Impact of climate change and natural disasters
- Changes in regulatory requirements
- Economic downturns affecting insurance demand
Competitors and Market Share
Key Competitors
- BRK.A
- ALL
- PGR
- TRV
- HIG
Competitive Landscape
Erie Indemnity Company faces competition from larger national insurers with greater resources and brand recognition. Erie's strength lies in its regional focus and customer service. Market shares are based on the P&C Insurance sector
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on market factors and is not calculated.
Future Projections: Future projections depend on analyst estimates and are not calculated.
Recent Initiatives: Recent strategic initiatives depend on Erie's current plans and are not calculated.
Summary
Erie Indemnity Company is a regional insurer with strengths in customer service and financial stability. Its limited geographic footprint poses a challenge against larger national competitors. Growth opportunities exist through expansion and technology adoption while navigating economic and regulatory threats. Competitors are ALL, BRK.A and PGR.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Market Analysis
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Erie Indemnity Company
Exchange NASDAQ | Headquaters Erie, PA, United States | ||
IPO Launch date 1995-10-02 | President & CEO Mr. Timothy Gerard NeCastro C.I.C., CPA | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 6715 | Website https://www.erieinsurance.com |
Full time employees 6715 | Website https://www.erieinsurance.com | ||
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 comprise 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.
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