Filing Flows › Erie Indemnity (ERIE) › Q3 2025
Erie Indemnity (ERIE) Q3 2025 earnings results (third quarter 2025)
10-Q filed Oct 30, 2025
Erie Indemnity (ERIE) reported revenue of $1.1B for the third quarter 2025 (Q3 2025), +7% from a year earlier and +0.6% from the quarter before. Operating margin was 19.6%, net earnings $183M (17.1% of revenue).
Erie Indemnity, Q3 2025: revenue $1.1B (+7% year over year), operating margin 19.6%, net earnings $183M, operating cash flow $219M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.1B | +0.6% | +7% |
| Operating profit | $209M | +5% | +16% |
| Net earnings | $183M | +5% | +14% |
| Operating cash flow | $219M | +24% | +10% |
| Free cash flow | $184M | +17% | +8% |
What changed
Revenue was $1.1B in Q3 2025, up 7% year over year and up 1% from the previous quarter. Management fee revenue - policy issuance and renewal services was the largest line at 77% of revenue. Management fee revenue - policy issuance and renewal services added $0.06B year over year (up 7%), 84% of the total change.
Operating profit was $0.21B, a 19.6% margin (up 1.6 points year over year). Of the extra revenue versus a year earlier, 43% reached operating profit, above the 18% margin then. Total costs grew 5% against revenue growth of 7%. Net earnings were $0.18B, up 14% year over year. The effective tax rate was 21.4%.
Operating cash flow was $0.22B (up 10% year over year), 120% of net earnings. Working capital and other items added $0.04B. Capital expenditures of $0.03B left free cash flow of $0.18B.
Questions
What was Erie Indemnity's revenue in the third quarter 2025?
Erie Indemnity (ERIE) reported revenue of $1.1B for the third quarter 2025 (Q3 2025), +7% from a year earlier and +0.6% from the quarter before.
Was Erie Indemnity profitable in the third quarter 2025?
Operating profit was $209M (19.6% of revenue) and net earnings $183M.
Source: Erie Indemnity 10-Q on SEC EDGAR.