Employers Holdings/$EIG
1D1W1MYTD1Y5YMAX
Capital at risk
About Employers Holdings
Employers Holdings Inc is a provider of workers' compensation insurance and services focused on small and mid-sized businesses engaged in low-to-medium hazard industries. Its customers are employers, and the insurance premiums that those employers pay to account for company revenue. Substantially all of the remaining revenue is generated through investments. The company operates exclusively in the United States, and it generates more than half of its business in California. By industry, the company has exposure to restaurants, which account for roughly a fourth of the total premiums the company earns. It operates as a single reportable segment, Insurance Operations through its wholly owned subsidiaries.
- Ticker
- $EIG
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 623
- Headquarters
- Reno, United States
- Website
- www.employers.com
EIG Metrics
BasicAdvanced
$850M
130.59
$0.36
0.48
$1.32
2.88%
Price and volume
Market cap
$850M
Beta
0.48
52-week high
$52.59
52-week low
$35.73
Average daily volume
157K
Dividend rate
$1.32
Financial strength
Current ratio
1.977
Quick ratio
0.604
Long term debt to equity
0.149
Total debt to equity
0.146
Dividend payout ratio (TTM)
361.33%
Interest coverage (TTM)
3.71%
Profitability
EBITDA (TTM)
14.1
Gross margin (TTM)
1.24%
Net profit margin (TTM)
0.90%
Operating margin (TTM)
1.24%
Effective tax rate (TTM)
-15.38%
Revenue per employee (TTM)
$1,340,000
Management effectiveness
Return on assets (TTM)
0.19%
Return on equity (TTM)
0.77%
Valuation
Price to earnings (TTM)
130.593
Price to revenue (TTM)
1.167
Price to book
0.99
Price to tangible book (TTM)
1.07
Price to free cash flow (TTM)
49.625
Free cash flow yield (TTM)
2.02%
Free cash flow per share (TTM)
0.953
Dividend yield (TTM)
2.79%
Forward dividend yield
2.88%
Growth
Revenue change (TTM)
-5.83%
Earnings per share change (TTM)
-91.16%
3-year revenue growth (CAGR)
-0.41%
10-year revenue growth (CAGR)
0.74%
3-year earnings per share growth (CAGR)
-57.06%
10-year earnings per share growth (CAGR)
-19.16%
3-year dividend per share growth (CAGR)
7.04%
10-year dividend per share growth (CAGR)
15.79%
What the Analysts think about EIG
Analyst ratings (Buy, Hold, Sell) for Employers Holdings stock.
Analyst projections of the future price of Employers Holdings stock.
Bulls say / Bears say
Underwriting quality is improving despite the smaller book: the Q2 loss and loss-adjustment-expense ratio fell to 70.2% from 70.7%, while the actuarial review found no adverse prior-year development on voluntary business. This suggests the premium cuts are removing weaker risks rather than simply shrinking the franchise. (Employers Holdings)
Capital returns are materially lifting shareholder outcomes. Q2 diluted EPS rose 29% and adjusted EPS rose 46%, helped by share repurchases; the company returned $34 million through buybacks and dividends, while book value per share including the deferred gain increased 9% year on year. (Employers Holdings)
Employers is opening new routes to profitable growth. It began writing excess workers’ compensation in June, then reported more than 200 July submissions and 20 policies bound for $4 million of premium, while California approved a 6.6% advisory rate increase from 1 September. (The Motley Fool, WorkCompWire)
The business is still producing an underwriting loss while its top line contracts. Q2 gross premiums written fell 20% and net premiums earned fell 12%, while the GAAP combined ratio was 105.8%, leaving investment income to make up the shortfall. (Employers Holdings, Employers Holdings)
Competition is limiting the ability to replace lost premium at attractive prices. Management says competition is especially fierce in the middle-market and package-writer segments, with some irrational pricing severe enough that Employers is turning business away; it also expects little direct benefit from California’s new advisory rate because much of the increase was already reflected in its own rates. (The Motley Fool)
Reserve risk has not disappeared, particularly in California. Management remains cautious on recent accident years because of uncertainty around cumulative-trauma claims, while the state regulator cited higher medical, medical-legal and claims-adjustment costs as reasons for deteriorating accident-year combined ratios. (The Motley Fool, WorkCompWire)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.
EIG Financial Performance
Revenues and expenses
EIG Earnings Performance
Company profitability
Upcoming events
No upcoming events
EIG News
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Funds containing EIG
AllUSDGBPEUR
Fund name | Fund size | $EIG weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.05% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.05% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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