Why does ERIE lag the market?
Up 2% over three years while the S&P 500 rose 80%.
- Down 50% from its 2024 high while the business held:
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Up 2% over three years while the S&P 500 rose 80%.
| Latest filing | 8-K, Nov 3 |
Erie Indemnity filed an 8-K reporting a change of CEO
ERIE closed +3.8% the next session (Nov 4).
After its last 4 reports it closed -0.2% on average, higher 2 of 4 times.
ERIE is #11 of 17 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 11 |
Sales over four quarters against a year before: ERIE +2%, ARX +55%, NP +34%, RYAN +9.8%.
Expected to report Mon Feb 22, after the close (in 104 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
Revenue of $1.1B, about the same as a year ago.
“Commissions increased $24.0 million in the third quarter of 2026, compared to the third quarter of 2025, primarily driven by an increase in agent incentive compensation and the growth in direct and affiliated assumed written premium.”
| Line | Q3 2026 | Q2 2026 | Q3 2025 |
|---|---|---|---|
| Policy Issuance and Renewal Services | $847M | $863M | $825M |
Each quarter's sales and their share of its total. Figures as filed (SEC filing, Oct 29)
No outlook figures read from this release.
“Commissions increased $96.6 million in the first nine months of 2026 compared to the first nine months of 2025, primarily driven by an increase in agent incentive compensation and the growth in direct and affiliated assumed written premium.”
From its results filing (SEC filing · Oct 29)
Sales grew 9.9% a year over 5 years, fiscal 2020 to 2025.
Pays $5.85 a share a year.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 29, 2026 | +0.1% | +4.2% | +13.9% |
| Jul 30, 2026 | +2.9% | +3.6% | +8.7% |
| Apr 23, 2026 | -0.1% | -6.1% | -12.0% |
Sales grew every year from 2018 to 2025, to $4.1B. It made a profit in each of the eight years.
RSI 62.1, MACD above signal, above both averages. Not scored.
One insider bought $1.4M across 3 filings in the last 6 months. No open-market sales on record. The newest:
6 trades disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: ERIE is 0.2% of SCHD, under 0.1% of DGRO, and under 0.1% of VIG, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jul 31 to Aug 31, 2026.
Erie Indemnity Co mainly performs services on behalf of the Erie Insurance Exchange relating to sales, underwriting, and issuance of policies. Erie Indemnity's results are tied to the performance of the Insurance Exchange, which principally provides automobile and homeowners insurance for individuals, along with multiperil, workers' compensation, and commercial automobile insurance for its commercial clients. The company operates exclusively in the United States.
“We do not directly compete against other such companies, given we are appointed by the subscribers at the Exchange to provide these services.”
ERIE scores 6 today, which Breakaway calls Average. It is #11 of 17 in Insurance Agents, Brokers & Service by Quality Score, with 3 of 14 chart checks firing. Up 2% over three years while the S&P 500 rose 80%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
ERIE scores 6 today, which Breakaway calls Average (6 to 10). That is #11 of 17 in Insurance Agents, Brokers & Service by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind ERIE's 6.
One insider bought $1.4M across 3 filings in the last 6 months. No open-market sales on record. The newest is Elizabeth A. Vorsheck, 10% owner, who bought $800K on Jun 2. Every filing, with the scored weight, for Pro members.
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Insider and Congress trades, the chart, and the financials, in one score.
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