ERIE Erie Indemnity Company
Financial Services
Price
$251.54
Intrinsic value
$139.59
Buy price
$111.68
Discount
-80.2%
DCF walkthrough
Near-term growth (g1)13.31%
Terminal growth (g2)3.50%
Years of g1 growth4
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $686,657,000.00
- Total debt
- $63,157,000.00
- Cash & STI
- $305,008,992.00
- Shares out.
- 52,301,239
Overvalued [LOW CF reliability]
Intrinsic value$139.58
Buy price (with MOS)$111.67
Current price$251.54
Discount to intrinsic value-80.2%
7-step quality scorecard
ROE quality
HIGH_CONSISTENT- Average ROE
- 25.5%
- Current ROE
- 24.5%
- Minimum ROE
- 20.6%
Debt quality
CONSERVATIVE- Debt / Equity
- 0.03x
Moat proxy
MODERATE_PROXYCash-flow reliability
LOW- Operating CF / Net income
- 1.19x
Technical chart
Confluence: DOWNTREND (0/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- revenueCAGR
- Valuation model
- DCF_OCF
- Debt as % of DCF PV
- 0.9%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.