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Erie Indemnity ERIE

equity

Price History

$19.67$193.05$366.44$539.82
1995-10 · DCA start$20.33

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-60.5%-40.4%-20.2%0.0%
1995-102026-08 · -52.2%

Worst drawdown: −61%, peaking Sep 2024 and bottoming May 2026 — still unrecovered after 23 months.

DCA Backtest

Invested
$37,100
Value today
$165,107
Return
+345.0%
Months invested
371

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $57,174 today, so the real (inflation-adjusted) return is +188.8%.

Lump sum instead — $37,100 all at once in Oct 1995: $471,054 (+1169.7%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Sep 2024): $1,966 on $2,400 invested (-18.1%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
1995
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Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1995-10: +345.0%

About Erie Indemnity

Erie Insurance Group, based in Erie, Pennsylvania, is a property and casualty insurance company offering auto, home, business and life insurance through a network of independent insurance agents. As of 2021, Erie Insurance Group is ranked 347th on the 2021 Fortune 500 list of largest American corporations, based on total revenue for the 2020 fiscal year. (Wikipedia)

It's a listed company categorised under financials and insurance brokers.

It rates Medium-Low Risk at 2.1/5, meaning the rated factors are mostly sound, with one or two areas worth watching.

What pushes the score up: sector / regulatory (4.0/5).

Scoring well: leverage / financial at 1.0/5.

Not yet researched: earnings quality, concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-Low Risk(2.1/5)65% rated

How these ratings work

Market / Volatility2.3/5 · weight 20%
  • Annualised volatility (3yr)3/529.7
  • Max drawdown from ATH3/560.5
  • Beta vs S&P 5001/50.40
Liquidity2.0/5 · weight 15%
  • Avg daily $ volume2/556.9m
  • Float % of shares outstandingnot yet researched
Leverage / Financial1.0/5 · weight 20%
  • Debt / equity1/50.44
  • Interest coverage (EBIT / interest)not yet researched
Earnings Qualityunrated · weight 15%
  • 3yr EPS volatilitynot yet researched
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory4.0/5 · weight 10%
  • Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.