Erie Indemnity Company Financial Ratios — EI2 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	19.96	22.49	23.64	- -	- -	26.52	23.53	31.48	30.07	25.27	23.54	21.4	28.67	32.89	26.19
Return on Assets (%)	1.18	1.07	1.01	1.86	12.81	14.23	12.26	16.74	16.7	14.19	13.67	13.32	18.94	22.4	17.92
Return on Capital (%)	1.11	-4.57	-10.07	-5.76	23.72	26.12	22.3	28.93	27.56	23.37	22.14	20.81	28.67	32.89	26.19
Return on Invested Capital (%)	- -	- -	14.41	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	120.95	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	119.35	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	7.66	16.71	18.78	17.64	17.49	19.79	18.38	15.42	15.76	14.34	14.1	13.2	16.98	19.61	17.13
Profit Margin (%)	3.61	2.97	12.39	11.76	11.48	13.01	11.47	11.97	12.59	11.41	11.16	10.47	13.48	15.54	13.48
Net Income to Common Margin (%)	3.61	2.97	12.39	11.76	11.48	13.01	11.47	11.97	12.59	11.41	11.16	10.47	13.48	15.54	13.48
Effective Tax Rate (%)	25.14	31.15	34.06	33.34	34.39	34.28	37.6	22.38	20.14	20.41	20.87	20.69	20.62	20.73	21.29
Dvd Payout Ratio (%)	27.79	21.24	7.98	20.7	72.62	64.64	73.99	54.29	52.92	93.04	64.73	69.25	49.7	39.56	45.46
Sustainable Growth Rate (%)	14.42	17.71	21.75	- -	- -	9.38	6.12	14.39	14.16	1.76	8.3	6.58	14.42	19.88	14.29

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	25	75	100	98	96	94	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	2	2	2	2	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	25	75	98	96	94	92	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	-0.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	-0.29	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	1	2	1	1	4	2	- -	- -	- -
Common Equity/Total Assets	5.44	4.16	4.4	-498.55	54.68	52.74	51.47	54.75	56.21	56.12	59.88	64.68	67.27	68.8	68.05
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	3.03	8.72	10.05	8.46	7.9	6.83	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	2.94	8.02	9.12	7.79	7.31	6.39	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	1.6	4.49	5.5	4.75	4.43	4.09	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	3.03	8.72	10.24	8.63	8.07	6.99	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	2.94	8.02	9.29	7.95	7.47	6.53	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	1.6	4.49	5.61	4.85	4.53	4.19	- -	- -	- -	- -
Net Debt to Equity	-2.94	-5.89	-5.99	-13.05	-23.77	-20.11	-16.45	-17.12	-21.08	-5.5	-6.69	-8.99	-7.91	-13.83	-13.83
Net Debt/Capital (%)	-3.03	-6.26	-6.37	-15.01	-31.18	-25.18	-19.68	-20.66	-26.71	-5.82	-7.17	-9.87	-8.59	-16.05	-16.04
EBITDA	- -	- -	1,588	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	1,577	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	1,567	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.44	4.16	4.4	-498.55	54.68	52.74	51.47	54.75	56.21	56.12	59.88	64.68	67.27	68.8	68.05
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	3.03	8.72	10.05	8.46	7.9	6.83	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	2.94	8.02	9.12	7.79	7.31	6.39	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	1.6	4.49	5.5	4.75	4.43	4.09	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	3.03	8.72	10.24	8.63	8.07	6.99	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	2.94	8.02	9.29	7.95	7.47	6.53	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	1.6	4.49	5.61	4.85	4.53	4.19	- -	- -	- -	- -
CFO/Total Liabilities	4.47	- -	9.89	- -	- -	- -	- -	- -	- -	36.87	44.78	46.29	47.11	67.81	64.05
CFO/CapEx	32.73	- -	84	- -	- -	- -	- -	- -	- -	6.17	2.71	5.45	4.11	4.9	5.94
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	4.09	4.54	1.02	1.7	4.46	4.45	4.31	5.55	5.48	5.34	5.48	5.68	- -	- -	- -
Days Sales Outstanding	89.2	80.45	357.1	214.48	81.92	81.98	84.67	65.8	66.61	68.4	66.57	64.27	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14,745
- Cash & Cash Equivalents	185	400	452	92	183	189	216	266	337	161	184	130	132	275	316
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	5,512	6,149	6,816	7,280	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	25	75	100	98	96	94	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14,392
Total Capital	6,293	6,791	7,550	703	770	842	932	1,073	1,231	1,284	1,436	1,448	1,663	1,987	2,283
Total Debt/Capital (%)	- -	- -	- -	- -	- -	2.94	8.02	9.29	7.95	7.47	6.53	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.47
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20.96
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.21
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14,750
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14,397
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	275.24
TTM Sales	4,675	5,381	1,313	1,425	1,522	1,617	1,718	2,408	2,517	2,570	2,670	2,851	3,309	3,862	4,149
TTM EBITDA	- -	- -	1,588	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	1,567	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	360	- -	903	- -	- -	- -	- -	- -	- -	343	406	368	381	611	687
TTM Free Cash Flow to Firm	349	- -	892	- -	- -	- -	- -	- -	- -	288	257	301	289	486	571

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.83
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14,392
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	267.7
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.47
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.29
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	28.97
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	37.23
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.11
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.46
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.03
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.32
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.13
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.46
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.03
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.32
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.13
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.14
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.91
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.02
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.98
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.97
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.6
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	30.33
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.01
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32.14
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	41.3
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.52
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.34
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.6
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.29
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	281.99
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	450.85
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	17,991
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23,222
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13,645

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	54	53	53	52	52	52	52	52	52	52	52	52	52	52	52
Diluted Weighted Avg Shares	61	60	59	59	59	59	58	58	58	52	52	52	52	52	52
Basic Weighted Avg Shares	55	53	53	52	52	52	52	52	52	46	46	46	46	46	46
Revenue per Share	85.02	100.65	24.88	27.21	29.11	30.93	32.85	46.05	48.13	55.64	57.79	61.73	71.65	83.62	89.81
EBITDA per Share	- -	- -	30.1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	29.7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.07	2.99	3.08	3.2	3.34	4.02	3.77	5.51	6.06	6.35	6.45	6.46	9.66	13	12.11
Basic EPS from Cont Ops	4.87	11.58	3.08	3.2	3.34	4.02	3.77	5.51	6.06	6.35	6.45	6.46	9.66	13	12.11
Diluted EPS, GAAP	2.76	2.68	2.76	2.85	2.98	3.59	3.37	4.93	5.42	5.61	5.69	5.71	8.53	11.48	10.69
Diluted EPS from Cont Ops	4.38	10.38	2.76	2.85	2.98	3.59	3.37	4.93	5.42	5.61	5.69	5.71	8.53	11.48	10.69
Dividend per Share	1.86	4.28	1.58	2.26	2.43	2.6	2.79	2.99	3.21	5.91	4.17	4.48	4.8	5.14	5.5
Cash Flow per Share	6.55	- -	17.11	- -	- -	- -	- -	- -	- -	7.42	8.72	7.93	8.25	13.23	14.87
Free Cash Flow per Basic Share	6.35	- -	16.91	- -	- -	- -	- -	- -	- -	6.21	5.5	6.47	6.25	10.53	12.36
Cash & Equivalents per Share	159.6	180.38	190.42	2.96	4.68	4.69	5.49	12.79	7.07	3.42	4.25	2.95	4.08	6.11	6.75
Book Value per Share	14.47	12.11	13.96	-125.78	14.72	15.62	16.4	18.62	21.67	22.72	25.67	27.7	31.8	38	43.67
Tangible Book Value per Share	14.47	12.11	13.96	-125.78	14.72	15.62	16.4	18.62	21.67	22.72	25.67	27.7	31.8	38	43.67