ERIE Erie Indemnity margins

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Relative Growth: Rel. Growth: 71
Relative Strength: Rel. Strength: 25
Relative Valuation: Rel. Valuation: 56
Relative Profitability: Rel. Profitability: 64
Gross margin
17.9%
Operating margin
17.9%
EBITDA margin
17.8%
Net margin
14%

Based on the latest figures, Erie Indemnity reports a gross margin of 17.9%, an operating margin of 17.9%, an EBITDA margin of 17.8%, and a net margin of 14%. Gross margin headed the available margin improvements with a 0.3 percentage-point increase, while EBITDA margin dropped by 2 percentage points.

ERIE margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Erie Indemnity recorded average margins of 17.33% gross, 17.33% operating, 18.74% EBITDA, and 14.83% net. Relative to the three-year averages, gross and operating margins are above their three-year averages and EBITDA and net margins are below their three-year averages.

ERIE margin expansion

Year-over-year margin changes in percentage points

Erie Indemnity's gross margin expanded by 0.3 percentage points and operating margin by 0.3 percentage points, but EBITDA margin contracted by 2 percentage points and net margin by 1.7 percentage points.

Gross margin expansion
0.3pp
Operating margin expansion
0.3pp
EBITDA margin expansion
-2pp
Net margin expansion
-1.7pp

ERIE Gross margin

Erie Indemnity's gross margin averaged 17.33% in the last 3 years. Compared with its three-year average, Erie Indemnity's current gross margin is 17.9% and is 0.6 percentage points above its three-year average. Over the last 3 years, Erie Indemnity's gross margin peaked at 18% in Sep 2025 and reached a low of 15.9% in Dec 2023.

ERIE Operating margin

Erie Indemnity recorded an average operating margin of 17.33% across the last 3 years. As of the latest period, Erie Indemnity's current operating margin is 17.9%, which is 0.6 percentage points above its three-year average. During this period, operating margin reached a high of 18% in Sep 2025 and a low of 15.9% in Dec 2023.

ERIE EBITDA margin

Erie Indemnity recorded an average EBITDA margin of 18.74% across the last 3 years. The current EBITDA margin stands at 17.8%, 0.9 percentage points below its three-year average. EBITDA margin was highest at 20.3% in Sep 2025 and lowest at 17.2% in Dec 2023.

ERIE Net margin

Over the last 3 years, Erie Indemnity had an average net margin of 14.83%. Against its three-year average, Erie Indemnity's net margin is currently 14%, 0.8 percentage points below its three-year average. Looking back over the last 3 years, Erie Indemnity's net margin reached 16% at its highest point in Sep 2025 and 13.6% at its lowest in Dec 2023.

ERIE margin group comparison

Margins compared with peer-group, industry and sector averages

Erie Indemnity's gross margin of 17.9% is lower than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.9%, Erie Indemnity's gross margin is 79% lower.

ERIE margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Erie Indemnity's gross margin?

For the period ending Jun 30, 2026, ERIE recorded a gross margin of 17.9%.

What is Erie Indemnity's operating margin?

As of Jun 30, 2026, ERIE has an operating margin of 17.9%.

What is Erie Indemnity's EBITDA margin?

For the period ending Jun 30, 2026, ERIE recorded an EBITDA margin of 17.8%.

What is Erie Indemnity's net margin?

As of Jun 30, 2026, ERIE has a net margin of 14%.

What are the average margins of ERIE?

Erie Indemnity's gross, operating, EBITDA, and net margins averaged 17.3% gross, 17.3% operating, 18.7% EBITDA, and 14.8% net over the last 3 years.

What are the highest historical margins of ERIE?

Looking back across 5 years, ERIE reached 18% gross in Sep 2025, 18% operating in Sep 2025, 20.3% EBITDA in Sep 2025, and 16% net in Sep 2025.

What are the lowest historical margins of ERIE?

Within the 5-year period, ERIE recorded its lowest margins at 12.1% gross in Dec 2021, 12.1% operating in Dec 2021, 13.2% EBITDA in Sep 2022, and 10.4% net in Sep 2022.