ERIE · Erie Indemnity Co
Price & Indicators
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Metrics snapshot
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AI Brief
Q2 FY26 earnings call · Jul 31, 2026TL;DR. Erie Indemnity's Q2 2026 results showed continued underwriting and earnings improvement, with the Exchange's combined ratio improving 13 points to 103.9% and YTD operating income up 5.8%, but growth moderated as direct written premium rose only 3.3% and policies in force declined 2% with retention slipping to 87.5%.
- + YTD operating income increased 5.8% to $370.9 million and net income per diluted share rose to $6.32 from $5.99.
- + Policyholder surplus grew to approximately $10.7 billion at quarter-end from $10.1 billion at year-end 2025, reflecting continued financial strength of the Exchange.
- + Management fee revenue from policy issuance and renewal services grew 4.7% in Q2 and 4.5% YTD.
- − Policies in force declined 2% and retention ratio slipped to 87.5%.
- − Combined ratio remains above 100% at 103.9% in Q2, indicating the Exchange is still unprofitable on an underwriting basis.
- − Commission expense rose 9.6% in Q2 ($44.7 million) and 8.1% YTD, primarily from higher agent incentive compensation tied to improved underwriting profitability.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Strong SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Insurance Brokers — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ERIE
this stock
Erie Indemnity Co
|
$10.23B | -22.9% | +6.0% | — | 5.2% |
|
MRSH
Marsh & Mclennan Companies, Inc.
|
$81.66B | -8.3% | +10.3% | 20.9 | 1.2% |
|
AJG
Arthur J. Gallagher & Co.
|
$58.90B | -12.6% | +10.1% | 38.1 | 2.5% |
|
AON
Aon plc
|
$58.11B | -23.6% | +7.7% | 15.1 | 1.7% |
|
WTW
Willis Towers Watson PLC
|
$27.30B | -12.2% | -2.2% | 18.2 | 2.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ERIE | -0.8% | -14.4% | -15.4% | +0.9% | -22.9% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.6% | -14.0% | -27.6% | 0.0% | -35.7% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.