NASDAQ$ERIE

Erie Indemnity Company · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Erie Indemnity's financial results for Q1 2023 were announced, with net income reaching $86.2 million and earnings per diluted share at $1.65.

Erie Indemnity Company reported a net income of $86.2 million, or $1.65 per diluted share, for the first quarter of 2023, compared to $68.6 million, or $1.31 per diluted share, for the same period in 2022. Operating income before taxes increased by $26.2 million, or 31.1 percent, compared to the first quarter of 2022.

  • Net income was $86.2 million, or $1.65 per diluted share.
  • Operating income before taxes increased by $26.2 million, or 31.1 percent.
  • Management fee revenue from policy issuance and renewal services increased by $70.1 million, or 14.4 percent.
  • Management fee revenue from administrative services increased by $0.9 million, or 6.1 percent.

Headline financials

Total Revenue

$752M

Previous: $672M+12.0%
EPS (adj)

$1.65

Previous: $1.31+26.0%
Free Cash Flow

$86.2M

Previous: $68.6M+25.7%
Net Income

$86.2M

Previous: $68.6M+25.7%
Operating Income

$111M

Previous: $84.3M+31.1%
Gross Profit

-$7.24M

Previous: $2.73M-365.2%

Revenue & EPS history

Erie Insurance · Revenue · Quarterly

$752M

Q1 2023+12%vs Q1 2022
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

Revenue by segment

Erie Insurance · $572M total across 2 segments · Q1 2023

  • Policy Issuance & Renewal
    $556M
  • Administrative Services
    $15.7M

Forward guidance

The document contains forward-looking statements subject to risks and uncertainties, including dependence on relationships with the Erie Insurance Exchange, general business and economic conditions, insurance industry competition, the financial condition of the Exchange, regulatory changes, litigation, unexpected events, and severe weather conditions.

Headwinds

  • Dependence upon our relationship with the Erie Insurance Exchange (Exchange) and the management fee under the agreement with the subscribers at the Exchange
  • General business and economic conditions
  • Factors affecting insurance industry competition
  • Dependence upon the independent agency system
  • Ability to maintain our reputation for customer service

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2023

Historical avgQ1 2023

-0.3%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+1.5%

Avg return

30 days after

48%

31 / 64 earnings

Positive

+11.4%

Q4 2023

Best reaction

-11.7%

Q2 2019

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.4%-8.0%-10.4%
Q4 2025-0.8%+2.1%-7.8%
Q3 2025-7.8%-6.9%-4.6%
Q1 2025-11.5%-12.3%-14.7%
Q4 2024+5.7%+10.4%+1.4%
Q3 2024-7.8%-9.2%-2.1%
Q2 2024+9.9%+15.4%+27.6%
Q1 2024-0.2%+0.0%+1.6%
Q4 2023+11.4%+15.7%+16.8%
Q3 2023-7.2%-6.2%-0.5%
Q2 2023+4.3%+4.9%+33.8%
Q1 2023-0.4%+4.3%+0.4%
Q4 2022-1.3%+1.9%-1.6%
Q3 2022+5.7%+8.1%+14.0%
Q2 2022+4.6%+7.3%+12.0%
Q1 2022-4.6%-0.7%-0.5%
Q4 2021+1.4%-2.7%+1.8%
Q3 2021+3.9%+7.3%+5.6%
Q2 2021+0.1%-0.3%-5.3%
Q1 2021-2.8%-3.5%-8.7%
Q4 2020-0.8%-0.4%-8.7%
Q3 2020-0.8%+2.4%-3.5%
Q2 2020+0.1%+1.7%-1.2%
Q1 2020-7.5%-6.5%+1.6%
Q4 2019-10.2%-4.3%+2.4%
Q3 2019+1.1%+1.8%-5.7%
Q2 2019-11.7%-15.6%-19.5%
Q1 2019+5.2%+4.8%+13.3%
Q4 2018+5.6%+10.2%+5.0%
Q3 2018+5.0%+5.9%+7.2%
Q2 2018+2.8%+3.4%+5.8%
Q1 2018-1.5%-1.4%-3.9%
Q4 2017-1.6%-1.0%-1.1%
Q3 2017+2.3%-0.3%+1.0%
Q2 2017+3.9%+3.6%-2.4%
Q1 2017-2.3%-4.0%-4.9%
Q4 2016+2.3%+1.2%+3.7%
Q3 2016-0.6%+1.0%+6.9%
Q2 2016-0.3%+1.6%+2.9%
Q1 2016+1.4%
Q4 2015-5.8%
Q3 2015-0.8%
Q2 2015+5.5%
Q1 2015-4.3%
Q4 2014-5.2%
Q3 2014+1.3%
Q2 2014+1.3%
Q1 2014+4.5%
Q4 2013+3.0%
Q3 2013-2.1%
Q2 2013-1.5%
Q1 2013+0.5%
Q4 2012+0.1%
Q3 2012+6.3%
Q2 2012-6.4%
Q1 2012-9.1%
Q4 2011-1.3%
Q3 2011+0.1%
Q2 2011-2.6%
Q1 2011-0.0%
Q4 2010+1.2%
Q3 2010+3.4%
Q2 2010+0.6%
Q1 2010-4.9%

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