Employers Holdings Inc

EIG Financial Insurance Specialty

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%
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
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
12.37 13.96 9.76 8.52 7.83 9.78 24.08 8.83 10.83 126.97
Piotroski F-Score
6 6 7 8 3 7 6 8 6 5
P/S ratio
1.67 1.76 1.72 1.60 1.35 1.66 1.66 1.23 1.46 1.18
P/FCF ratio
11.07 10.52 8.12 12.15 35.01 162.58 12.20 22.20 17.95 23.75
P/Operating CF
50.54 36.64 29.30 135.46 (65.95) 58.24 36.71 37.96 97.97 1,442.25
P/B ratio
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/EBITDA
7.65 7.73 6.99 5.63 4.78 6.22 15.59 4.69 7.88 39.67
EV/FCF
10.74 10.11 7.64 11.09 30.48 156.85 13.47 18.77 17.90 20.81
Current Ratio
0.36 0.35 0.36 0.38 0.37 0.34 0.35 0.43 0.37 0.39
Net Debt/EBITDA
(0.05) (0.20) (0.34) (0.65) (0.82) (0.34) 1.23 (1.20) (0.42) (5.61)
Debt/Equity
0.07 0.04 0.04 0.01 0.01 0.01 0.20 0.00 0.00 0.04
ROE
13.33% 11.32% 14.38% 14.39% 10.07% 9.84% 4.49% 12.06% 11.39% 1.07%
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%
Return on Tangible Assets
(6.17%) (5.87%) (8.34%) (9.78%) (7.89%) (7.78%) (3.17%) (8.88%) (8.22%) (0.77%)
Average Days of Receivables
418.17 396.65 384.97 360.42 377.78 378.19 387.36 340.25 322.89 309.02
Earnings Yield
8.08% 7.17% 10.25% 11.74% 12.77% 10.22% 4.15% 11.33% 9.23% 0.79%
Free Cash Flow Yield
9.03% 9.51% 12.32% 8.23% 2.86% 0.62% 8.20% 4.51% 5.57% 4.21%
Free Cash Flow per Share
3.63 4.13 5.17 3.44 0.92 0.25 3.53 1.79 2.85 1.82
Book value per Share
25.92 29.16 30.96 36.29 40.55 42.88 34.33 38.45 42.66 40.87
Free Cash Flow
117.80 134.10 170.00 110.40 27.50 7.20 97.20 47.20 71.50 42.50
EV/EBIT
8.89 8.87 7.59 6.30 5.63 7.45 22.08 5.36 8.72 65.04
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