ERIE Erie Indemnity

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Attorney-in-fact for Erie Insurance Exchange, earning management fees capped at 25% of direct/affiliated assumed premiums written
• • Exchange mix: personal lines 71%, commercial lines 29% of 2025 direct and affiliated assumed written premiums
• • Sole customer is the Exchange — no direct competition for attorney-in-fact role; competitive pressure indirect via Exchange's P&C market
• • Workforce 6,667 full-time employees as of Dec 31, 2025; avg tenure 10.9 years; voluntary turnover rate 6.3%
• • ~50% of employees provide claims/life insurance services exclusively for Exchange and subsidiaries, reimbursed monthly at cost

Risk Factors

• • Erie Indemnity's sole revenue source is management fees capped at 25% of Exchange's direct written premiums — any rate cut or premium decline directly impairs all revenue
• • Competitive disruption from AI/machine learning adoption by rivals in underwriting; Exchange risks material market share loss if response is too slow
• • Workforce concentration risk: majority of operations based in Erie, Pennsylvania — single regional disruption could halt policy, claims, and underwriting services
• • Regulatory scrutiny of ESG/DEI practices intensifying under evolving U.S. rules — litigation, fines, and reputational damage explicitly flagged as material exposure
• • ~30% of fixed maturity portfolio maturing within three years, creating reinvestment risk in a potentially lower-rate environment

Management Discussion & Analysis

• • Management fee revenue (policy issuance & renewal) $3.13B, up 8.2% YoY; driven by Exchange premiums written growing 8.9% to $13.0B
• • Operating income $717.2M, up 6.0% YoY; net income $559.3M, down 6.8% YoY due to $100M charitable contribution reducing after-tax income by $80.6M
• • Policy issuance segment operating margin 20.4% ($643.1M / $3,156.6M) vs 20.8% in 2024; administrative services operating margin held flat at ~8.1% of total revenue
• • Operating cash flow $686.7M vs $611.2M in 2024; dividends increased 7.1%; capex/investing outflows $439.3M (up from $226.9M) driven by $226.7M net increase in AFS securities purchases; $77.5M remaining HQ renovation commitments
• • Key risks: Exchange AM Best downgraded A+ to A in Sept 2025; new business policies down 22.8%; tariff/inflation uncertainty flagged; 2026 management fee rate held at 25%

What are the latest ERIE SEC filings in 2026?

Erie Indemnity (ERIE) has filed a 10-K annual report on February 23, 2026, a 10-Q quarterly report on April 23, 2026, an 8-K current report on July 30, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did ERIE file its most recent 10-K annual report?

Erie Indemnity (ERIE) filed its most recent 10-K annual report on February 23, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view ERIE 10-Q quarterly reports?

Erie Indemnity (ERIE)'s most recent 10-Q quarterly report was filed on April 23, 2026. SignalX displays every ERIE 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has ERIE filed recently?

Erie Indemnity (ERIE)'s most recent 8-K was filed on July 30, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find ERIE insider trading activity (Form 4)?

SignalX aggregates every ERIE Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does ERIE file with the SEC?

Erie Indemnity (ERIE) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new ERIE filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Erie Indemnity (ERIE).

What is ERIE's SEC CIK number?

Erie Indemnity (ERIE)'s SEC CIK (Central Index Key) number is 922621. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 922621 to look up all ERIE filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find ERIE return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Erie Indemnity (ERIE) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.