ERIE

SELL

Erie Indemnity Company

Financial Services · Rank #158 · Analyzed Apr 20, 2026

$244.81

Current Price

$148.26

Intrinsic Value

-27.3%

Upside/Downside

3.5/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score3.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 27.3%

Fair Value Range

Low$39.55

Base (IV)$148.26

High$177.91

Entry Points

Conservative$39.55

Moderate$93.90

Aggressive$148.26

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity26.2% → 1.0/1.0

Debt LevelD/E 3 → 1.0/1.0

Revenue QualityGrowth 7.4%, margin Δ+0.0% +recovery → 1.0/1.0

Moat Strength2.0/5 → 0/1.0

Profit Margins13.8% → 0.5/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.