ERIE at a glance
Erie Indemnity (ERIE, SEC CIK 922621) filed its latest 10-K annual report on February 23, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on July 30, 2026 and Form 4 insider filings as recently as October 1, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Erie Indemnity (ERIE) reported revenue of $4.1 billion (up 7.2% from FY2024) and net income of $559.3 million.
- As of June 30, 2026, 33 institutional investment managers tracked by SignalX reported holding Erie Indemnity (ERIE) shares worth $3.4 billion in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $4.1B
- +7.2% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 33 funds
- $3.4B · −1 vs prior quarter
- Latest 8-K
- Jul 30, 2026
- Item 2.02 · Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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%
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
AI summary of the ERIE 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No material changes to 10-K risk factors for fiscal year ended December 31, 2025
- No newly triggered risk factors disclosed in the quarter
- Carried-forward regulatory and compliance risks unchanged from February 23, 2026 10-K
- Carried-forward operational and competitive risks unchanged from February 23, 2026 10-K
- Share-repurchase authorization $150 million, with $17.754 million remaining as of June 30, 2026
AI summary of the ERIE 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Earnings release covers the quarter and six months ended June 30, 2026
- Financial results and supporting financial information attached as Exhibits 99.1 and 99.2
Item 8.01: Other Events
- Quarterly Class A dividend approved at $1.4625 per share
- Dividend No. 385, signaling continuation of Erie Indemnity’s established shareholder distribution program
Item EX-99.1: Item EX-99.1
- 2Q26 net income $180.3M, or $3.45 diluted share, up from $174.7M and $3.34 in 2Q25
- 1H26 net income $330.8M, or $6.32 diluted share, versus $313.1M and $5.99 in 1H25
Item 5.02: Departure/Appointment of Directors or Principal Officers
- CFO Julie M. Pelkowski retiring at end of 2026 after more than 25 years with Erie Indemnity
- Pelkowski served as Executive Vice President and CFO since 2023
Item 2.02: Results of Operations and Financial Condition
- Q1 2026 results for quarter ended March 31, 2026, released April 23, 2026
- Detailed earnings and financial information available in Exhibits 99.1 and 99.2
Item 8.01: Other Events
- Quarterly Class A dividend declared at $1.4625 per share, payable July 21, 2026
- Dividend ex-date and record date both July 7, 2026
Item 5.07: Submission of Matters to a Vote of Security Holders
- 101st Annual Meeting held April 21, 2026 with 2,542 Class B shares entitled to vote
- Shareholders re-elected 10 incumbent directors and elected Elizabeth Hirt Vorsheck for one-year terms
Item EX-99.1: Item EX-99.1
- 1Q 2026 net income rose to $150.5M from $138.4M; diluted EPS increased to $2.88 from $2.65
- Operating income before taxes increased 10.2% to $166.8M, supported by higher management fee revenue
AI summaries of ERIE 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ERIE
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- Fund moves. Which tracked funds opened, added or cut ERIE, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Shine Sarah | J | Sep 30, 2026 | 6.641 | $219.15 |
| DaBreo Anthony | J | Sep 30, 2026 | 4.817 | $219.15 |
| Cook Cody | J | Sep 30, 2026 | 7.209 | $219.15 |
| Shine Sarah | J | Aug 31, 2026 | 4.107 | $255.56 |
| Cook Cody | J | Aug 31, 2026 | 4.415 | $255.56 |
| DaBreo Anthony | J | Aug 31, 2026 | 0.779 | $255.56 |
| Hagen Thomas B | J | Jul 31, 2026 | 65 | $242.04 |
| HARTZ CHARLES SCOTT | J | Jul 31, 2026 | 65 | $242.04 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $3.3B | $3.8B | $4.1B | |
| Operating Income | $520.3M | $676.5M | $717.2M | |
| Net Income | $446.1M | $600.3M | $559.3M | |
| Op. Margin | 15.9% | 17.8% | 17.6% | |
| Net Margin | 13.6% | 15.8% | 13.8% | |
| Balance Sheet | ||||
| Total Assets | $2.5B | $2.9B | $3.4B | |
| Equity | $1.7B | $2.0B | $2.3B | |
| ROE | 26.8% | 30.2% | 24.5% | |
| Cash Flow | ||||
| Operating CF | $381.2M | $611.2M | $686.7M | |
Source: XBRL data in Erie Indemnity (ERIE)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ERIE share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 33 | $3.40B |
| Q1 2026 | 34 | $3.52B |
| Q4 2025 | 32 | $3.91B |
| Q3 2025 | 33 | $4.54B |
| Q2 2025 | 31 | $4.88B |
| Q1 2025 | 28 | $5.08B |
| Q4 2024 | 24 | $4.73B |
| Q3 2024 | 22 | $4.42B |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 237 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ERIE filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 10-Q | Jul 30, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 4 | Jul 23, 2026 | - | - | - |
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ERIE SEC filings: frequently asked questions
Which institutions hold ERIE stock?
As of June 30, 2026, the largest Erie Indemnity (ERIE) holders among the 13F filers tracked by SignalX were PNC Financial Services ($1.2 billion), BlackRock ($401.5 million), Vanguard Capital Management LLC ($392.2 million), State Street Corp ($344.6 million), Vanguard Portfolio Management LLC ($266.4 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ERIE's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Erie Indemnity (ERIE) reported revenue of $4.1 billion (up 7.2% from FY2024) and net income of $559.3 million. The figures come from the XBRL data in the 10-K.
What are the main risks in ERIE's latest 10-K?
In the 10-K filed February 23, 2026, Erie Indemnity (ERIE) flagged: 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. (AI summary of the Risk Factors section.)
What did ERIE report in its latest 8-K?
Erie Indemnity (ERIE) filed an 8-K on July 30, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 8.01 (Other Events). Earnings release covers the quarter and six months ended June 30, 2026.
What are the latest ERIE SEC filings?
Erie Indemnity (ERIE) filed its latest 10-K annual report on February 23, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on July 30, 2026 and a Form 4 insider filing on October 1, 2026.
What is ERIE's SEC CIK number?
Erie Indemnity (ERIE)'s SEC Central Index Key (CIK) is 922621. EDGAR lists every ERIE filing under that number.
Ask anything about ERIE
The research agent reads ERIE's filings, financials, insider trades and 13F holders, then answers with sources.