ER
ERIE
Dec 31, 2025
Quarter ended Dec 31, 2025 · FY2025 Q4

Erie Indemnity Company stock research

Erie Indemnity (ERIE) Free Cash Flow — Quarter Ended Dec 31, 2025

Free cash flow margin weakened from the prior quarter but improved slightly year-over-year. The decline from the preceding quarter was driven by lower revenue and reduced operating cash flow.

Free cash flow takeaway

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

Free cash flow margin weakened from the prior quarter but improved slightly year-over-year. The decline from the preceding quarter was driven by lower revenue and reduced operating cash flow.

  • Revenue declined from the prior quarter, and operating cash flow also decreased, resulting in a lower free cash flow margin. Capital expenditure was lower than both the prior quarter and the same quarter a year ago.
  • Compared with the immediately preceding quarter, revenue, operating cash flow, free cash flow, and free cash flow margin all decreased. Compared with the same quarter one year earlier, revenue and free cash flow were higher, while free cash flow margin was slightly improved.

FCF snapshot

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

TTM free cash flow

$571.0M

Trailing twelve-month free cash flow.

Quarter free cash flow

$140.8M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$171.6M

Cash generated by operations before capital spending.

CapEx

$30.8M

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
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%
2025-12-31$951.0M$171.6M$30.8M$140.8M14.8%

Cash conversion quality

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

FCF / net income222.1%Shows whether accounting earnings convert into cash.
CapEx / revenue3.2%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.

Watch

Operating cash flow decline

Operating cash flow decreased from the prior quarter, which was the primary factor behind the weakened free cash flow and margin.

If operating cash flow continues to decline, free cash flow margin may remain under pressure.

What the cash flow says

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

Revenue declined from the prior quarter, and operating cash flow also decreased, resulting in a lower free cash flow margin. Capital expenditure was lower than both the prior quarter and the same quarter a year ago.

Compared with the immediately preceding quarter, revenue, operating cash flow, free cash flow, and free cash flow margin all decreased. Compared with the same quarter one year earlier, revenue and free cash flow were higher, while free cash flow margin was slightly improved.

Monitor whether operating cash flow can sustain or improve given the decline from the prior quarter.