ERIE INDEMNITY CO

ERIE 10-K · Q4 2025
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ERIE Q4 2025 request

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Income Statement

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Income Statement
Metric Q4 2025 Q4 2024 YoY
Revenue 951,023 924,090 +2.9%
Show Product Lines breakouts
Administrative services reimbursement revenue 198,028 201,987 -2.0%
Administrative services reimbursement revenue · Management Operations 198,028 201,987 -2.0%
Administrative services reimbursement revenue · Transferred Over Time 198,028 201,987 -2.0%
Administrative services · Transferred Over Time 217,314 219,203 -0.9%
Management fee revenue - administrative services 19,286 17,216 +12.0%
Management fee revenue - administrative services · Transferred Over Time 19,286 17,216 +12.0%
Management fee revenue - policy issuance and renewal services 727,629 698,340 +4.2%
Management fee revenue - policy issuance and renewal services · Transferred At Point In Time 727,629 698,340 +4.2%
Management fee revenue · Management Operations 746,915 715,556 +4.4%
Service agreement revenue 6,080 6,547 -7.1%
Service agreement revenue · Management Operations 6,080 6,547 -7.1%
Show Business Segments breakouts
Management Operations 951,023 924,090 +2.9%
Operating Expenses 793,309 756,780 +4.8%
Show Product Lines breakouts
Administrative services reimbursement revenue 198,028 201,987 -2.0%
Administrative services reimbursement revenue · Management Operations 198,028 201,987 -2.0%
Management fee revenue - policy issuance and renewal services 595,281 554,793 +7.3%
Management fee revenue - policy issuance and renewal services · Management Operations 595,281 554,793 +7.3%
Show Business Segments breakouts
Management Operations 793,309 756,780 +4.8%
Operating Income 157,714 167,310 -5.7%
Show Business Segments breakouts
Management Operations 157,714 167,310 -5.7%
Net Investment Income And Income Loss From Equity Method Investments 24,826 20,920 +18.7%
Debt And Equity Securities Gain Loss 24 246 -90.2%
Debt Securities And Financing Receivables Impairment Loss Recoveries -679 -361 -88.1%
Show Financial Instrument breakouts
Loans Receivable -283 -277 -2.2%
Investment Income Nonoperating 24,171 20,805 +16.2%
Show Business Segments breakouts
Management Operations 24,171 20,805 +16.2%
Other Non-Operating Income (Expense) 464 3,693 -87.4%
Show Business Segments breakouts
Management Operations 464 3,693 -87.4%
Income Before Taxes 82,349 191,808 -57.1%
Income Tax Expense (Benefit) 18,969 39,779 -52.3%
Show Business Segments breakouts
Management Operations 18,969 39,779 -52.3%
Net Income 63,380 152,029 -58.3%
Show Business Segments breakouts
Management Operations 63,380 152,029 -58.3%
EPS (Basic) (Q) — — —
Show Statement Class Of Stock breakouts
Common Class A 1.36 3.26 -58.3%
Common Class B 205 490 -58.2%
EPS (Diluted) (Q) — — —
Show Statement Class Of Stock breakouts
Common Class A 1.21 2.91 -58.4%
Common Class B 204 489 -58.3%
Wtd Avg Shares (Basic) (Q) — — —
Show Statement Class Of Stock breakouts
Common Class A 12 6 +100.0%
Common Class B 0 0 —
Wtd Avg Shares (Diluted) (Q) — — —
Show Statement Class Of Stock breakouts
Common Class A 627 5,265 -88.1%
Common Class B 0 0 —
Comprehensive Income 42,606 102,872 -58.6%
Other Comprehensive Income -20,774 -49,157 +57.7%
Net Income Loss Available To Common Stockholders Basic (Q) — — —
Show Statement Class Of Stock breakouts
Common Class A 62,861 150,785 -58.3%
Common Class B 519 1,244 -58.3%
Income Loss From Equity Method Investments (Q) — — —
Show Investment Type breakouts
Equity Method Investment Nonconsolidated Investee Or Group Of Investees 2,280 1,837 +24.1%
Interest And Dividend Income Operating (Q) — — —
Show Investment Type breakouts
Agent loans 1,783 1,477 +20.7%
Cash equivalents and other 5,049 3,637 +38.8%
Debt Securities 15,212 12,994 +17.1%
Equity Securities 1,104 1,222 -9.7%
Communications And Information Technology (Q) — — —
Show Business Segments breakouts
Management Operations 61,041 56,574 +7.9%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Current Assets
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 345,874 298,397 +15.9%
Available For Sale Securities Debt Securities Current 33,902 44,604 -24.0%
Restricted Investments Current 3,436 0 —
Accounts Receivable 735,589 707,060 +4.0%
Show Related Party Transactions By Related Party breakouts
Affiliated Entity 735.6 707.1 +4.0%
Prepaid Expenses & Other Current Assets 66,061 83,902 -21.3%
Accrued Investment Income Receivable 14,311 11,069 +29.3%
Total Current Assets 1,199,173 1,145,032 +4.7%
Non-Current Assets
Available For Sale Securities Debt Securities Noncurrent 1,286,566 991,726 +29.7%
Equity Securities F V N I Noncurrent 70,624 85,891 -17.8%
Restricted Investments Noncurrent 61,063 7,285 +738.2%
Notes And Loans Receivable Net Noncurrent 93,953 80,597 +16.6%
Defined Benefit Plan Assets For Plan Benefits Noncurrent 24,137 21,311 +13.3%
Other Non-Current Assets 48,489 43,278 +12.0%
Total Assets 3,355,481 2,888,614 +16.2%
Other Assets
Finite Lived Intangible Assets And Property Plant And Equipment Net 571,476 513,494 +11.3%
Current Liabilities
Accrued Sales Commission Current 425,320 408,309 +4.2%
Agent Incentive Compensation Payable Current 132,560 75,458 +75.7%
Accounts Payable And Accrued Liabilities Current 200,701 190,028 +5.6%
Dividends Payable Current 68,109 63,569 +7.1%
Deferred Revenue (Current) 47,561 42,761 +11.2%
Deferred Compensation Liability Current 9,400 14,874 -36.8%
Deposits Received For Securities Loaned At Carrying Value 61,936 7,513 +724.4%
Total Current Liabilities 945,587 802,512 +17.8%
Non-Current Liabilities
Defined Benefit Pension Plan Liabilities Noncurrent 33,410 28,070 +19.0%
Contract With Customer Liability Noncurrent 23,274 21,170 +9.9%
Deferred Compensation Liability Classified Noncurrent 22,050 19,721 +11.8%
Deferred Tax Liabilities 24,788 6,418 +286.2%
Other Non-Current Liabilities 22,998 23,465 -2.0%
Total Liabilities 1,072,107 901,356 +18.9%
Stockholders' Equity
Common Stock (Q) — — —
Show Statement Class Of Stock breakouts
Common Class A 1,992 1,992 0.0%
Common Class B 178 178 0.0%
Additional Paid In Capital Common Stock 16,492 16,466 +0.2%
Accumulated Other Comprehensive Income -52,021 -47,591 -9.3%
Retained Earnings 3,462,823 3,162,303 +9.5%
Stockholders Equity Before Treasury Stock 3,429,464 3,133,348 +9.5%
Treasury Stock Common Value -1,171,014 -1,169,074 -0.2%
Common Stock Issued Stock Trust 24,924 22,984 +8.4%
Total Stockholders' Equity 2,283,374 1,987,258 +14.9%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment -53,213 -29,863 -78.2%
Accumulated Net Unrealized Investment Gain Loss 1,192 -17,728 +106.7%
Accumulated Other Comprehensive Income -52,021 -47,591 -9.3%
Additional Paid In Capital 16,492 16,466 +0.2%
Common Stock · Common Class A 1,992 1,992 0.0%
Common Stock · Common Class B 178 178 0.0%
Deferred compensation 24,924 22,984 +8.4%
Retained Earnings 3,462,823 3,162,303 +9.5%
Treasury Stock Common -1,171,014 -1,169,074 -0.2%
Total Liabilities & Equity 3,355,481 2,888,614 +16.2%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Proceeds From Insurance Agency Management Fees Received 791,468 736,108 +7.5%
Administrative Services Reimbursements Received 204,644 218,789 -6.5%
Proceeds From Fees Received 6,080 6,542 -7.1%
Proceeds From Interest And Dividends Received And Equity Method Investment Dividends Or Distributions 19,446 18,596 +4.6%
Payments For Commissions -377,672 -375,303 -0.6%
Payment For Agent Incentive Compensation -4,868 -6,565 +25.8%
Payments To Employees -63,945 -60,049 -6.5%
Payments For Other Operating Activities -80,105 -78,598 -1.9%
Administrative Services Expenses Paid -204,789 -209,523 +2.3%
Income Taxes Paid 1 -35,992 +100.0%
Net Cash from Operations 171,557 193,458 -11.3%
Investing Activities
Purchases of Investments -471,450 -100,266 -370.2%
Payments To Acquire Equity Securities Fv Ni -21,159 -7,134 -196.6%
Proceeds From Sale Of Available For Sale Securities Debt 127,944 48,802 +162.2%
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 53,234 44,467 +19.7%
Proceeds From Sale Of Equity Securities Fv Ni 5,050 5,941 -15.0%
Payments To Acquire Productive Assets -30,767 -46,643 +34.0%
Payments To Acquire Loans Receivable -4,759 -4,045 -17.7%
Proceeds From Collection Of Loans Receivable 3,517 2,393 +47.0%
Net Cash from Investing -338,276 -56,506 -498.7%
Financing Activities
Payments Of Dividends Common Stock -63,569 -59,376 -7.1%
Increase Decrease In Securities Lending Payable 7,611 -392 +2041.6%
Net Cash from Financing -55,958 -59,768 +6.4%
Supplemental
Noncash Or Part Noncash Acquisition Fixed Assets Acquired1 2,102 4,462 -52.9%
Right Of Use Asset Obtained In Exchange For Operating Lease Liability 1,038 765 +35.7%
Other Cash Flow
Net Change in Cash -222,677 77,184 -388.5%

Values in thousands USD. Source: SEC EDGAR 10-K filing.

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