Erie Indemnity Company
Erie Indemnity Company is classed by the SEC under Insurance Agents, Brokers & Service (industry code 6411), based in Erie, PA. In its latest annual figures on file, for the fiscal year ended 2021-12-31, it reported revenue of $2.6 billion and a profit of $298 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a brokerage business: prior from its industry code (SEC 6411, Insurance Agents, Brokers & Service); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.8 out of ten, 8 of 9 metrics filed and 1 estimated: past 7.2 out of ten, present 7.4 out of ten, future 5.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.2 out of ten. No warning events in its filings since 2017. 72nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 6.8 out of ten. +10.9% a year over 10 filed years; profitable in 10 of 10. 68th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 7.8 out of ten. CrossAssetData estimate 7.8/10, confidence 35 of 100 (one part). 78th percentile among 29 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 8.3 out of ten. ROE 24%: 24¢ of profit per shareholder dollar. Leverage 32%: owes 32¢ per asset dollar. 83rd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 6.3 out of ten. top 37% of 30 in its family; net margin 13.8%. 63rd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 8.4 out of ten. top 16% of 21 in its family for leadership; chief executive since 2017. 84th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 6.1 out of ten. top 39% of 29 in its family for room to expand. 61st percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.4 out of ten. top 36% of 29 in its family for growth drivers. 64th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.1 out of ten. bottom 41% of 25 in its family for expectations against reality. 41st percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-23 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-30 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 for the period ended 2026-07-28 (on EDGAR). Newest filing: Form 4, 2026-10-01. Filings on record since 1995. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Policy Issuance and Renewal Services 77%, Administrative Services Reimbursements 21%, Administrative Services Management Fee 2%, Service Agreement 1%. As tagged in its annual report (Form 10-K, filed 2026-02-23).
Who runs it
Necastro, Timothy G (President & CEO); Cook, Cody (Executive Vice President); Dabreo, Anthony (Senior Vice President, Life); Shine, Sarah (Executive Vice President); Connell, Eugene C (Senior Vice President); Cipriani, Marc (Senior Vice President); Dugan, Sean (Executive Vice President); Lucore, George R (Executive Vice President); Pelkowski, Julie Marie (EVP & CFO); Srinivasa, Parthasarathy (EVP, Chief Information Officer); and 13 more. 23 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-01.
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