Filing Flows › Erie Indemnity (ERIE) › Q3 2026
Erie Indemnity (ERIE) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 29, 2026
Erie Indemnity (ERIE) reported revenue of $1.1B for the third quarter 2026 (Q3 2026), +0.3% from a year earlier and -2% from the quarter before. Operating margin was 19.4%, net earnings $182M (17.0% of revenue).
Erie Indemnity, Q3 2026: revenue $1.1B (+0.3% year over year), operating margin 19.4%, net earnings $182M, operating cash flow $213M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.1B | -2% | +0.3% |
| Operating profit | $207M | +2% | -0.7% |
| Net earnings | $182M | +0.9% | -0.5% |
| Operating cash flow | $213M | -0.7% | -3% |
| Free cash flow | $185M | +7% | +0.5% |
What changed
Revenue was $1.1B in Q3 2026, roughly flat year over year and down 2% from the previous quarter. Management fee revenue - policy issuance and renewal services was the largest line at 79% of revenue. Management fee revenue - policy issuance and renewal services added $0.02B year over year (up 3%), 683% of the total change. Service agreement revenue declined 19%.
Operating profit was $0.21B, a 19.4% margin (down 0.2 points year over year). Operating profit fell $1.5M even though revenue rose $3.2M versus Q3 2025, so costs grew faster than sales. Total costs grew 1% against flat revenue. Net earnings were $0.18B, roughly flat year over year. The effective tax rate was 21.8%.
Operating cash flow was $0.21B (down 3% year over year), 117% of net earnings. Working capital and other items added $0.03B. Capital expenditures of $0.03B left free cash flow of $0.19B.
Questions
What was Erie Indemnity's revenue in the third quarter 2026?
Erie Indemnity (ERIE) reported revenue of $1.1B for the third quarter 2026 (Q3 2026), +0.3% from a year earlier and -2% from the quarter before.
Was Erie Indemnity profitable in the third quarter 2026?
Operating profit was $207M (19.4% of revenue) and net earnings $182M.
Source: Erie Indemnity 10-Q on SEC EDGAR.