ER
ERIE
Jun 30, 2025
Quarter ended Jun 30, 2025 · FY2025 Q2

Erie Indemnity Company stock research

Erie Indemnity (ERIE) Free Cash Flow — Quarter Ended Jun 30, 2025

Free cash flow and margin improved significantly compared to both the preceding quarter and the same quarter a year earlier, driven by higher operating cash flow and lower capital expenditure. Revenue increased, supporting the stronger cash conversion.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Free cash flow and margin improved significantly compared to both the preceding quarter and the same quarter a year earlier, driven by higher operating cash flow and lower capital expenditure. Revenue increased, supporting the stronger cash conversion.

  • Revenue was higher than in both comparison periods. Operating cash flow rose more than revenue, while capital expenditure declined, leading to free cash flow that was higher and a margin that improved.
  • Compared to the preceding quarter, all metrics improved: revenue, operating cash flow, free cash flow, and margin were higher, while capital expenditure was lower. Versus the same quarter a year earlier, the same pattern held.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$564.0M

Trailing twelve-month free cash flow.

Quarter free cash flow

$157.3M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$177.6M

Cash generated by operations before capital spending.

CapEx

$20.3M

Capital spending and related asset purchases.

FCF margin

14.8%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2024-09-30$999.9M$199.2M$27.7M$171.5M17.1%
2024-12-31$924.1M$193.5M$46.6M$146.8M15.9%
2025-03-31$989.4M$118.1M$29.7M$88.4M8.9%
2025-06-30$1.1B$177.6M$20.3M$157.3M14.8%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income90.1%Shows whether accounting earnings convert into cash.
CapEx / revenue1.9%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Strong cash performance

The increase in free cash flow was primarily driven by a higher operating cash flow, supported by revenue growth and lower capital spending.

The higher margin and cash generation enhance the company's financial position.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue was higher than in both comparison periods. Operating cash flow rose more than revenue, while capital expenditure declined, leading to free cash flow that was higher and a margin that improved.

Compared to the preceding quarter, all metrics improved: revenue, operating cash flow, free cash flow, and margin were higher, while capital expenditure was lower. Versus the same quarter a year earlier, the same pattern held.

Monitor capital expenditure levels, as the reduction from prior periods contributed to the free cash flow improvement.