Saturday 17 October 2026 Export EIG’s income statement to Excel — free account

Employers Holdings Inc

Employers Holdings Inc’s revenue for fiscal 2025 (year ended December 2025) was $858.7 million, down 2.50% from fiscal 2024. In the quarter to June 2026, revenue fell 10.6%, EPS grew 29.0% and free cash flow fell 1,111.1%, each against the same quarter a year earlier. Dividend growth for three consecutive years; insiders bought in the last twelve months.

51.21 0.76 +1.51%

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Market cap: $906.1M
P/E: 73.2×
Fwd P/E: 18.2×
Dividend yield: 2.58%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.28

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	1	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 3.95%

Capital & Financial Ratios $m

Market Cap 906.11

Revenue 837.60

Net Income 7.50

Free Cash Flow 19.70

Net Debt 11.50

Current Ratio 0.37

Debt/Equity 0.15

P/E ratio 73.16

Fwd P/E 18.20

P/S ratio 1.11

P/B ratio 1.08

Past 5Y EPS Growth (35.02%)

This Y EPS Growth 145.98%

Next Y EPS Growth 8.16%

Next Y revenue growth (6.15%)

Next 5Y EPS Growth 41.35%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 95.28%

10-year low 10-year high

P/S against its own 10 years 9.07%

10-year low 10-year high

P/B against its own 10 years 42.02%

10-year low 10-year high

Dividends

Payout Ratio 1.91

Annual Dividend Rate 1.32

Annual Dividend Yield 2.58%

	total	individual payouts
2027	Powerpack
2026	1.34	0.32 0.34 0.34
2025	1.26	0.30 0.32 0.32 0.32
2024	1.18	0.28 0.30 0.30 0.30
2023	1.10	0.26 0.28 0.28 0.28
2022	1.03	0.25 0.26 1.00 0.26 0.26 1.25
2021	1.00	0.25 0.25 0.25 0.25
2020	1.00	0.25 0.25 0.25 0.25
2019	0.88	0.22 0.22 0.22 0.22
2018	0.80	0.20 0.20 0.20 0.20
2017	0.60	0.15 0.15 0.15 0.15
2016	0.36	0.09 0.09 0.09 0.09

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	227	69	160	114
Receivables	793	779	727	719
Inventory	—	—	—	—
Other	—	—	—	—
	1,020	848	887	832

	2023	2024	2025	Q'26
Payables	2,290	2,232	2,221	2,179
ST’ Debt	—	—	16	—
Other	66	66	60	55
	2,356	2,297	2,297	2,234

Compound Annual Growth %

	10y	5y	3y
Sales	1.33%	3.84%	6.37%
Cash Flow	(9.13%)	6.26%	(23.49%)
Earnings	(19.49%)	(38.20%)	(39.35%)
Book Value	2.31%	(4.65%)	0.40%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	208	220	—	—	—
’25	203	246	239	171	859
’24	223	217	224	217	881
’23	207	215	204	226	851
’22	152	135	204	222	714
’21	164	171	168	200	703
’20	127	211	182	191	711

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	2	(10)	—	—	—
’25	15	0	29	1	45
’24	1	12	51	13	76
’23	4	(8)	25	28	49
’22	17	21	30	32	100
’21	(11)	(14)	15	20	11
’20	16	13	20	(15)	33

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	1	(11)	—	—	—
’25	14	(1)	29	1	43
’24	(1)	11	50	11	72
’23	4	(8)	24	27	47
’22	16	20	29	32	97
’21	(12)	(14)	15	19	7
’20	14	11	19	(16)	28

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.52	1.59	—	—	—
’25	0.52	1.23	(0.36)	(1.06)	0.46
’24	1.11	1.25	1.21	1.14	4.71
’23	0.86	1.30	0.54	1.77	4.45
’22	(0.08)	(0.56)	0.70	1.72	1.75
’21	0.80	0.92	0.53	1.94	4.17
’20	(1.14)	1.97	1.05	2.19	3.97

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	22.58	35.60	38.35	39.31	25.53	30.20	32.58	35.43	38.38	35.73	Analyst estimates 2026–2028 Powerpack
	High	39.75	50.45	47.97	47.45	44.90	43.82	46.73	46.12	54.44	52.29
People
People	Employees	693	672	704	704	691	608	676	717	715	623
	Revenue/emp, $m	1.13	1.19	1.14	1.19	1.03	1.16	1.06	1.19	1.23	1.38
Income, $m
Income, $m	Revenue	780	801	800	836	711	703	714	851	881	859
	Gross margin, %	18.25	19.08	21.36	23.26	20.93	21.56	8.31	19.41	16.67	1.58
	EBT	141	144	170	194	148	147	56	148	147	12
	EBT margin, %	18.04	17.97	21.18	23.18	20.76	20.91	7.82	17.44	16.66	1.40
	Net income	107	101	141	157	120	119	48	118	119	11
	Depreciation	23	23	15	23	27	30	25	24	16	9
Per share, $
Per share, $	Revenue	24.04	24.66	24.34	26.02	23.78	24.85	25.94	32.27	35.16	36.72
	Earnings	3.29	3.11	4.30	4.89	4.01	4.22	1.76	4.48	4.73	0.46
	Cash flow	3.79	4.38	5.48	3.81	1.10	0.38	3.63	1.87	3.05	1.91
	Capex	(0.15)	(0.25)	(0.31)	(0.38)	(0.18)	(0.13)	(0.09)	(0.08)	(0.20)	(0.09)
	Free cash flow	3.63	4.13	5.17	3.44	0.92	0.25	3.53	1.79	2.85	1.82
	Book value	25.92	29.16	30.96	36.29	40.55	42.88	34.33	38.45	42.66	40.87
	Shares, m	32	33	33	32	30	28	28	26	25	23
Valuation, ×
Valuation, ×	P/E	12.37	13.96	9.76	8.52	7.83	9.78	24.08	8.83	10.83	126.97
	P/S	1.67	1.76	1.72	1.60	1.35	1.66	1.66	1.23	1.46	1.18
	P/B	1.55	1.49	1.36	1.15	0.79	0.97	1.26	1.03	1.20	1.06
	EV/Sales	1.62	1.69	1.62	1.46	1.18	1.61	1.84	1.04	1.45	1.03
	EV/FCF	10.74	10.11	7.64	11.09	30.48	156.85	13.47	18.77	17.90	20.81
Cash, $m
Cash, $m	Operating cash flow	123	142	180	123	33	11	100	49	76	45
	Capex	(5)	(8)	(10)	(12)	(5)	(4)	(3)	(2)	(5)	(2)
	Free cash flow	118	134	170	110	28	7	97	47	72	43
Balance, $m
Balance, $m	Working capital	(1,752)	(1,738)	(1,712)	(1,628)	(1,537)	(1,548)	(1,540)	(1,336)	(1,450)	(1,410)
	Total debt	62	39	39	13	16	14	193	—	—	35
	Net debt	(9)	(35)	(63)	(142)	(145)	(61)	104	(227)	(68)	(125)
	Shareholders’ equity	841	948	1,018	1,166	1,213	1,213	944	1,014	1,069	956
Returns, %
Returns, %	ROA	2.83	2.66	3.64	3.97	3.02	3.10	1.29	3.25	3.34	0.31
	ROIC	10.57	10.38	11.09	11.83	8.69	8.20	3.33	12.65	9.17	0.99
	ROE	13.33	11.32	14.38	14.39	10.07	9.84	4.49	12.06	11.39	1.07

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
RDN Radian Group Inc.	$4.5B	8.7×	7.8×	+92.58% (above 0%: growing)	−17.48% (below 0%: shrinking)	+147.96% (above 0%: growing)	50.35%	30.09%	Compare
AGO Assured Guaranty Ltd.	$3.1B	9.5×	11.8×	−30.60% (below 0%: shrinking)	−57.89% (below 0%: shrinking)	−48.72% (below 0%: shrinking)	97.95%	42.05%	Compare
NMIH NMI Holdings Inc	$3.0B	7.9×	7.1×	+8.12% (above 0%: growing)	+13.82% (above 0%: growing)	+10.69% (above 0%: growing)	93.00%	76.67%	Compare
EIG Employers Holdings Inc	$906.1M	73.2×	18.2×	−10.60% (below 0%: shrinking)	+29.03% (above 0%: growing)	−1,111.11% (below 0%: shrinking)	16.35%	16.35%
TIPT Tiptree Financial Inc.	$618.6M	1.5×	— (loss-making)	+64.86% (above 0%: growing)	+1,976.00% (above 0%: growing)	+179.79% (above 0%: growing)	100.00%	0.00%	Compare
ITIC Investors Title Company	$544.0M	13.5×	5.6×	+17.45% (above 0%: growing)	+19.05% (above 0%: growing)	−18.47% (below 0%: shrinking)	55.58%	22.48%	Compare
AMSF AMERISAFE, Inc.	$464.1M	10.1×	16.0×	+13.42% (above 0%: growing)	+8.22% (above 0%: growing)	+118.79% (above 0%: growing)	29.93%	19.86%	Compare
MBI MBIA, Inc.	$224.0M	— (loss-making)	— (loss-making)	+17.39% (above 0%: growing)	n/m	−500.00% (below 0%: shrinking)	66.67%	22.22%	Compare
OSG Octave Specialty Group, Inc.	$207.2M	— (loss-making)	— (loss-making)	+51.02% (above 0%: growing)	n/m	−576.08% (below 0%: shrinking)	76.26%	(0.47%)	Compare
Median of peers	$581.3M	9.1×	7.8×	+17.42%	+11.02%	−3.89%	71.47%	22.35%

All 17 Insurance Specialty stocks →

Employers Holdings Inc (EIG) key facts

Concern: Employers Holdings Inc’s revenue for fiscal 2025 (year ended December 2025) was $858.7 million, down 2.50% from fiscal 2024.
Employers Holdings Inc (EIG) is an Insurance Specialty company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, EIG traded at $51.21, a market capitalization of $906.1 million.
Employers Holdings Inc pays an annual dividend of $1.32 per share, a yield of 2.58%, with a payout ratio of 191.3%.
Return on equity was 1.07% and debt-to-equity 0.15.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.