Saturday 17 October 2026
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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%
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| 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 |
Price to Tangible BV |
1.64 | 1.56 | 1.42 | 1.20 | 0.83 | 1.01 | 1.33 | 1.09 | 1.26 | 1.11 |
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/Operating CF |
10.30 | 9.53 | 7.20 | 9.99 | 25.40 | 104.56 | 13.12 | 17.94 | 16.75 | 19.79 |
EV/FCF |
10.74 | 10.11 | 7.64 | 11.09 | 30.48 | 156.85 | 13.47 | 18.77 | 17.90 | 20.81 |
Quick Ratio |
0.36 | 0.35 | 0.36 | 0.38 | 0.37 | 0.34 | 0.35 | 0.43 | 0.37 | 0.39 |
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/Assets |
1.64% | 1.02% | 1.00% | 0.32% | 0.41% | 0.37% | 5.19% | 0.00% | 0.00% | 1.02% |
Debt/Equity |
0.07 | 0.04 | 0.04 | 0.01 | 0.01 | 0.01 | 0.20 | 0.00 | 0.00 | 0.04 |
Asset Turnover |
0.21 | 0.21 | 0.21 | 0.21 | 0.18 | 0.18 | 0.19 | 0.23 | 0.25 | 0.25 |
Operating CF/Net income |
1.15 | 1.41 | 1.28 | 0.78 | 0.28 | 0.09 | 2.06 | 0.42 | 0.64 | 4.14 |
Capex/Depreciation |
(0.22) | (0.36) | (0.69) | (0.53) | (0.20) | (0.12) | (0.11) | (0.09) | (0.31) | (0.25) |
Interest Coverage |
88.94 | 109.21 | 114.00 | 324.00 | 372.25 | 303.20 | 16.94 | 28.48 | 1,468.00 | 27.20 |
| 13.33% | 11.32% | 14.38% | 14.39% | 10.07% | 9.84% | 4.49% | 12.06% | 11.39% | 1.07% | |
| 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 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.74% | 0.85% | 1.17% | 1.21% | 1.36% | 1.29% | 0.71% | 0.73% | 0.72% | 0.58% |
Graham Net Nets |
(1.51) | (1.38) | (1.42) | (1.39) | (1.88) | (1.51) | (1.62) | (1.45) | (1.27) | (1.58) |
Graham Number |
43.53 | 45.17 | 54.73 | 63.26 | 61.23 | 63.89 | 37.18 | 62.39 | 67.38 | 17.68 |
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% |
Revenue per Share |
24.04 | 24.66 | 24.34 | 26.02 | 23.78 | 24.85 | 25.94 | 32.27 | 35.16 | 36.72 |
Operating CF per Share |
3.79 | 4.38 | 5.48 | 3.81 | 1.10 | 0.38 | 3.63 | 1.87 | 3.05 | 1.91 |
Capex per Share |
(0.15) | (0.25) | (0.31) | (0.38) | (0.18) | (0.13) | (0.09) | (0.08) | (0.20) | (0.09) |
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 |
Cash per Share |
2.18 | 2.29 | 3.10 | 4.83 | 5.37 | 2.66 | 3.25 | 8.59 | 2.73 | 6.84 |
Shareholders Equity per Share |
25.92 | 29.16 | 30.96 | 36.29 | 40.55 | 42.88 | 34.33 | 38.45 | 42.66 | 40.87 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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 |
Working Capital |
(1,752.10) | (1,738.20) | (1,712.40) | (1,627.70) | (1,537.50) | (1,548.30) | (1,540.50) | (1,336.50) | (1,449.80) | (1,410.00) |
Capital Expenditures |
(5.00) | (8.20) | (10.20) | (12.10) | (5.50) | (3.60) | (2.60) | (2.20) | (4.90) | (2.20) |
Net Current Asset Value |
(1,968.60) | (1,947.20) | (1,954.80) | (1,857.70) | (1,812.90) | (1,766.30) | (1,925.90) | (1,516.70) | (1,625.00) | (1,593.90) |
EV/EBIT |
8.89 | 8.87 | 7.59 | 6.30 | 5.63 | 7.45 | 22.08 | 5.36 | 8.72 | 65.04 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 |
Price to Operating Income |
9.27 | 9.31 | 8.14 | 6.92 | 6.48 | 7.75 | 21.25 | 6.57 | 8.75 | 77.07 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
1.04 | 1.62 | 0.81 | 1.05 | 1.41 | 2.05 | 2.06 | 3.68 | 2.01 | 1.34 |
Cash ROIC |
12.10% | 12.64% | 14.67% | 8.28% | 1.98% | 0.55% | 7.92% | 3.80% | 6.29% | 3.69% |
Accounts Receivable Turnover |
0.85 | 0.91 | 0.93 | 1.00 | 0.91 | 0.96 | 0.96 | 1.10 | 1.12 | 1.14 |
Accounts Payable Turnover |
0.24 | 0.25 | 0.24 | 0.25 | 0.23 | 0.23 | 0.28 | 0.30 | 0.32 | 0.38 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
1,508.95 | 1,467.94 | 1,496.94 | 1,456.42 | 1,551.75 | 1,528.83 | 1,299.37 | 1,219.13 | 1,109.87 | 959.30 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
915.20 | 882.15 | 857.55 | 834.80 | 780.85 | 732.40 | 742.85 | 775.20 | 786.15 | 753.05 |
Average Payables |
2,658.00 | 2,621.80 | 2,594.70 | 2,570.50 | 2,475.55 | 2,350.70 | 2,319.45 | 2,309.60 | 2,260.95 | 2,226.35 |
Average Assets |
3,764.60 | 3,806.75 | 3,879.65 | 3,961.65 | 3,963.35 | 3,852.90 | 3,749.95 | 3,633.55 | 3,545.85 | 3,488.95 |
Average Common Equity |
800.70 | 894.15 | 982.95 | 1,092.00 | 1,189.30 | 1,212.95 | 1,078.65 | 979.05 | 1,041.30 | 1,012.20 |
Columns are period end dates