A
Erie Indemnity Company — Earnings Quality Grade A
ERIE · Financial Services
Strong financial health
Revenue
$4.1B
2025
Net Income
$559M
2025
Gross Margin
—
Free Cash Flow
$571M
01
Screening Summary
9
Passed
0
Watch
0
Failed
—
M-Score
02
Financial Trends
Revenue & Net Income ($B)
Margins (%)
03
18-Point Screening
01
Revenue Quality
—
A1DSO Change
Insufficient data
—
A2AR vs Revenue Growth
Insufficient data
✓
A3Revenue vs CFFO
Revenue 7.4%, CFFO 12.3%. Cash follows revenue
02
Expense Quality
✓
B1Inventory vs COGS
No material inventory
✓
B2CapEx vs Revenue
CapEx growth -7.3% vs revenue 7.4%. Normal
—
B3SG&A Ratio
Insufficient data
—
B4Gross Margin
Insufficient data
03
Cash Flow Quality
✓
C1CFFO vs Net Income
CFFO/NI = 1.23. Profits backed by cash
✓
C2Free Cash Flow
FCF $0.6B, FCF/NI = 1.02
✓
C3Accruals Ratio
Accruals ratio = -3.8%. Low accruals
—
C4Cash vs Debt
Insufficient data
04
Balance Sheet Health
✓
D1Goodwill + Intangibles
No goodwill. Clean balance sheet
—
D2Leverage
Insufficient data
—
D3Soft Asset Growth
Insufficient data
—
D4Asset Impairment
No write-off data
05
Acquisition Risk
✓
E1Serial Acquirer FCF
FCF after acquisitions positive
✓
E2Goodwill Surge
No goodwill
06
Manipulation Score
—
F1Beneish M-Score
Insufficient data
Altman Z-Score — Not Applicable
Erie Indemnity Company is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09