ER
ERIE
Sep 30, 2025
Quarter ended Sep 30, 2025 · FY2025 Q3

Erie Indemnity Company stock research

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

Free cash flow improved from the prior quarter and was higher than the year-ago quarter, driven by stronger operating cash flow despite increased capital expenditure. The free cash flow margin also improved compared to both periods.

Free cash flow takeaway

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

Free cash flow improved from the prior quarter and was higher than the year-ago quarter, driven by stronger operating cash flow despite increased capital expenditure. The free cash flow margin also improved compared to both periods.

  • Operating cash flow grew relative to the prior quarter and the year-ago quarter, while capital expenditure increased. As a result, free cash flow and its margin improved, indicating a stronger cash conversion efficiency.
  • Compared to the prior quarter, revenue was stable, operating cash flow and free cash flow were higher, and capital expenditure increased. Compared to the year-ago quarter, revenue was higher, operating cash flow and free cash flow were higher, and capital expenditure also increased.

FCF snapshot

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

TTM free cash flow

$577.0M

Trailing twelve-month free cash flow.

Quarter free cash flow

$184.4M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$219.4M

Cash generated by operations before capital spending.

CapEx

$35.0M

Capital spending and related asset purchases.

FCF margin

17.3%

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
2024-12-31$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%
2025-09-30$1.1B$219.4M$35.0M$184.4M17.3%

Cash conversion quality

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

FCF / net income100.9%Shows whether accounting earnings convert into cash.
CapEx / revenue3.3%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

Operating Cash Flow Strength

Operating cash flow improved from the prior quarter and the year-ago quarter, providing the primary lift to free cash flow despite higher capital spending.

This drove the improvement in free cash flow and its margin.

What the cash flow says

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

Operating cash flow grew relative to the prior quarter and the year-ago quarter, while capital expenditure increased. As a result, free cash flow and its margin improved, indicating a stronger cash conversion efficiency.

Compared to the prior quarter, revenue was stable, operating cash flow and free cash flow were higher, and capital expenditure increased. Compared to the year-ago quarter, revenue was higher, operating cash flow and free cash flow were higher, and capital expenditure also increased.

The increase in capital expenditure from both the prior quarter and the year-ago quarter warrants monitoring.