Employers Holdings/$EIG
1D1W1M3M6MYTD1Y5YMAX
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
$834M
33.64
$1.41
0.47
$1.32
2.86%
Price and volume
Market cap
$834M
Beta
0.47
52-week high
$53.51
52-week low
$37.44
Average daily volume
164K
Dividend rate
$1.32
Financial strength
Current ratio
1.052
Quick ratio
0.949
Long term debt to equity
0.159
Total debt to equity
0.163
Dividend payout ratio (TTM)
94.53%
Interest coverage (TTM)
9.28%
Profitability
EBITDA (TTM)
39.9
Gross margin (TTM)
4.60%
Net profit margin (TTM)
3.48%
Operating margin (TTM)
4.60%
Effective tax rate (TTM)
15.17%
Revenue per employee (TTM)
$1,260,000
Management effectiveness
Return on assets (TTM)
0.67%
Return on equity (TTM)
3.00%
Valuation
Price to earnings (TTM)
33.642
Price to revenue (TTM)
1.167
Price to book
1.06
Price to tangible book (TTM)
1.16
Price to free cash flow (TTM)
-43.165
Free cash flow yield (TTM)
-2.32%
Free cash flow per share (TTM)
-1.102
Dividend yield (TTM)
2.78%
Forward dividend yield
2.86%
Growth
Revenue change (TTM)
-12.95%
Earnings per share change (TTM)
-45.15%
3-year revenue growth (CAGR)
-2.39%
10-year revenue growth (CAGR)
0.21%
3-year earnings per share growth (CAGR)
-31.67%
10-year earnings per share growth (CAGR)
-7.18%
3-year dividend per share growth (CAGR)
6.92%
10-year dividend per share growth (CAGR)
14.87%
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
Claims performance rebounded: Q3 adjusted profit was $12.8 million versus a $25.5 million loss a year earlier, while the loss ratio fell to 71.2% from 97.1%. The comparison benefited from roughly $38 million of reserve strengthening not recurring, so continued reserve stability is important. (SEC)
Investment income is providing a stronger earnings cushion: it rose 23.8% to $32.3 million in Q3, helped by higher fixed-income yields and private-equity returns. The fixed-income book yield reached 5%, supporting income as underwriting improves. (SEC, The Motley Fool)
New products could broaden the growth base: the excess workers’ compensation line has reached 31 accounts and $6.5 million in premium since June, and a large-deductible product is targeted for launch next year. (SEC)
Premiums and policy count are shrinking quickly: Q3 gross written premiums fell 18% and policies in force fell 8% year on year as the company cut new and renewal business. The reduced base may weigh on revenue until new products gain scale. (SEC)
Underwriting is still loss-making: Q3’s combined ratio was 108.4%, and the underwriting expense ratio rose to 24.3% from 20.6% as earned premiums declined. Investment income is therefore still helping to support reported earnings while the core business is repaired. (SEC)
California claim frequency has risen in recent accident years, especially for cumulative-trauma claims. The state generated 47% of Employers’ trailing-twelve-month gross premiums at June 2026, leaving the company exposed to worsening claims and litigation costs in its largest market. (The Motley Fool, SEC)
Data summarised monthly by Lightyear AI. Last updated on 30 Oct 2026.
EIG Financial Performance
Revenues and expenses
EIG Earnings Performance
Company profitability
Upcoming events
EIG News
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Funds containing EIG
Fund name | Fund size | $EIG weighting |
|---|---|---|
iShares S&P Small Cap 600£ISP6 | $2.5B | 0.05% |
iShares S&P SmallCap 600$IDP6 | $2.5B | 0.05% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.03% |
SPDR Russell 2000 US Small Cap€R2US | $5B | 0.03% |
SPDR Russell 2000 US Small Cap£R2SC | $5B | 0.03% |
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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