ERIEHIGH SIGNALFINANCIAL10-K

ERIE experienced explosive revenue growth of 282% from $442.5M to $1.7B, indicating either a major business transformation, acquisition, or significant operational expansion.

This massive revenue increase far exceeds normal organic growth patterns and suggests a fundamental change in ERIE's business scale or structure. The strong growth in operating cash flow (+12.3%) and balanced sheet expansion indicates the revenue growth is being effectively converted to cash and supported by proportional asset growth.

Comparing 2026-02-23 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

ERIE demonstrated extraordinary top-line growth with revenue surging 282% to $1.7B, while maintaining operational efficiency with operating cash flow growing a solid 12.3% to $686.7M. The balance sheet expanded proportionally with total assets growing 16.2% to $3.4B and stockholders' equity increasing 14.9% to $2.3B, while cash reserves strengthened 23.5% to $266.4M. This financial profile suggests a major business expansion or acquisition that has been well-managed, with strong cash generation and a healthy balance sheet supporting the dramatic growth.

FINANCIAL STATEMENT CHANGES
Revenue
P&L
+282.3%
$442.5M$1.7B

Strong top-line growth of 282.3% — accelerating demand or successful expansion into new markets.

Cash & Equivalents
Balance Sheet
+23.5%
$215.7M$266.4M

Cash grew 23.5% — improving liquidity position supports investment and shareholder returns.

Total Liabilities
Balance Sheet
+18.9%
$901.4M$1.1B

Liabilities increased 18.9% — monitor debt-to-equity ratio and interest coverage.

Current Liabilities
Balance Sheet
+17.8%
$802.5M$945.6M

Current liabilities rose 17.8% — increased short-term obligations, watch current ratio.

Total Assets
Balance Sheet
+16.2%
$2.9B$3.4B

Asset base grew 16.2% — expansion through organic growth, acquisitions, or capital deployment.

Stockholders Equity
Balance Sheet
+14.9%
$2.0B$2.3B

Equity base grew 14.9% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Operating Cash Flow
Cash Flow
+12.3%
$611.2M$686.7M

Operating cash flow grew 12.3% — strong conversion of earnings to cash, healthy business fundamentals.

Net Interest Income
P&L
+10.3%
$31.2M$34.5M

Net interest income grew 10.3% — benefiting from rate environment or loan book expansion.

LANGUAGE CHANGES
NEW — 2026-02-23
PRIOR — 2025-02-27
ADDED
Management's Discussion and Analysis of Financial Condition and Results of Operations 18 Item 7A.
Management's Discussion and Analysis of Financial Condition and Results of Operations contained within this report.
Agent compensation comprised approximately 71% of our 2025 policy issuance and renewal expenses.
The underwriting services we provide include underwriting and policy processing and comprised approximately 8% of our 2025 policy issuance and renewal expenses.
We also provide information technology services that support all the functions listed above that comprised approximately 10% of our 2025 policy issuance and renewal expenses.
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REMOVED
Management's Discussion and Analysis of Financial Condition and Results of Operations 19 Item 7A.
Management s Discussion and Analysis of Financial Condition and Results of Operations contained within this report.
Agent compensation comprised approximately 69% of our 2024 policy issuance and renewal expenses.
The underwriting services we provide include underwriting and policy processing and comprised approximately 9% of our 2024 policy issuance and renewal expenses.
We also provide information technology services that support all the functions listed above that comprised approximately 9% of our 2024 policy issuance and renewal expenses.
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