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 '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
126.97 | 10.83 | 8.83 | 24.08 | 9.78 | 7.83 | 8.52 | 9.76 | 13.96 | 12.37 |
Piotroski F-Score |
5 | 6 | 8 | 6 | 7 | 3 | 8 | 7 | 6 | 6 |
P/S ratio |
1.18 | 1.46 | 1.23 | 1.66 | 1.66 | 1.35 | 1.60 | 1.72 | 1.76 | 1.67 |
P/FCF ratio |
23.75 | 17.95 | 22.20 | 12.20 | 162.58 | 35.01 | 12.15 | 8.12 | 10.52 | 11.07 |
P/Operating CF |
1,442.25 | 97.97 | 37.96 | 36.71 | 58.24 | (65.95) | 135.46 | 29.30 | 36.64 | 50.54 |
P/B ratio |
1.06 | 1.20 | 1.03 | 1.26 | 0.97 | 0.79 | 1.15 | 1.36 | 1.49 | 1.55 |
Price to Tangible BV |
1.11 | 1.26 | 1.09 | 1.33 | 1.01 | 0.83 | 1.20 | 1.42 | 1.56 | 1.64 |
EV/Sales |
1.03 | 1.45 | 1.04 | 1.84 | 1.61 | 1.18 | 1.46 | 1.62 | 1.69 | 1.62 |
EV/EBITDA |
39.67 | 7.88 | 4.69 | 15.59 | 6.22 | 4.78 | 5.63 | 6.99 | 7.73 | 7.65 |
EV/Operating CF |
19.79 | 16.75 | 17.94 | 13.12 | 104.56 | 25.40 | 9.99 | 7.20 | 9.53 | 10.30 |
EV/FCF |
20.81 | 17.90 | 18.77 | 13.47 | 156.85 | 30.48 | 11.09 | 7.64 | 10.11 | 10.74 |
Quick Ratio |
0.39 | 0.37 | 0.43 | 0.35 | 0.34 | 0.37 | 0.38 | 0.36 | 0.35 | 0.36 |
Current Ratio |
0.39 | 0.37 | 0.43 | 0.35 | 0.34 | 0.37 | 0.38 | 0.36 | 0.35 | 0.36 |
Net Debt/EBITDA |
(5.61) | (0.42) | (1.20) | 1.23 | (0.34) | (0.82) | (0.65) | (0.34) | (0.20) | (0.05) |
Debt/Assets |
1.02% | 0.00% | 0.00% | 5.19% | 0.37% | 0.41% | 0.32% | 1.00% | 1.02% | 1.64% |
Debt/Equity |
0.04 | 0.00 | 0.00 | 0.20 | 0.01 | 0.01 | 0.01 | 0.04 | 0.04 | 0.07 |
Asset Turnover |
0.25 | 0.25 | 0.23 | 0.19 | 0.18 | 0.18 | 0.21 | 0.21 | 0.21 | 0.21 |
Operating CF/Net income |
4.14 | 0.64 | 0.42 | 2.06 | 0.09 | 0.28 | 0.78 | 1.28 | 1.41 | 1.15 |
Capex/Depreciation |
(0.25) | (0.31) | (0.09) | (0.11) | (0.12) | (0.20) | (0.53) | (0.69) | (0.36) | (0.22) |
Interest Coverage |
27.20 | 1,468.00 | 28.48 | 16.94 | 303.20 | 372.25 | 324.00 | 114.00 | 109.21 | 88.94 |
| 1.07% | 11.39% | 12.06% | 4.49% | 9.84% | 10.07% | 14.39% | 14.38% | 11.32% | 13.33% | |
| 0.31% | 3.34% | 3.25% | 1.29% | 3.10% | 3.02% | 3.97% | 3.64% | 2.66% | 2.83% | |
ROIC |
0.99% | 9.17% | 12.65% | 3.33% | 8.20% | 8.69% | 11.83% | 11.09% | 10.38% | 10.57% |
Return on Tangible Assets |
(0.77%) | (8.22%) | (8.88%) | (3.17%) | (7.78%) | (7.89%) | (9.78%) | (8.34%) | (5.87%) | (6.17%) |
Average Days of Receivables |
309.02 | 322.89 | 340.25 | 387.36 | 378.19 | 377.78 | 360.42 | 384.97 | 396.65 | 418.17 |
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 |
0.58% | 0.72% | 0.73% | 0.71% | 1.29% | 1.36% | 1.21% | 1.17% | 0.85% | 0.74% |
Graham Net Nets |
(1.58) | (1.27) | (1.45) | (1.62) | (1.51) | (1.88) | (1.39) | (1.42) | (1.38) | (1.51) |
Graham Number |
17.68 | 67.38 | 62.39 | 37.18 | 63.89 | 61.23 | 63.26 | 54.73 | 45.17 | 43.53 |
Earnings Yield |
0.79% | 9.23% | 11.33% | 4.15% | 10.22% | 12.77% | 11.74% | 10.25% | 7.17% | 8.08% |
Free Cash Flow Yield |
4.21% | 5.57% | 4.51% | 8.20% | 0.62% | 2.86% | 8.23% | 12.32% | 9.51% | 9.03% |
Revenue per Share |
36.72 | 35.16 | 32.27 | 25.94 | 24.85 | 23.78 | 26.02 | 24.34 | 24.66 | 24.04 |
Operating CF per Share |
1.91 | 3.05 | 1.87 | 3.63 | 0.38 | 1.10 | 3.81 | 5.48 | 4.38 | 3.79 |
Capex per Share |
(0.09) | (0.20) | (0.08) | (0.09) | (0.13) | (0.18) | (0.38) | (0.31) | (0.25) | (0.15) |
Free Cash Flow per Share |
1.82 | 2.85 | 1.79 | 3.53 | 0.25 | 0.92 | 3.44 | 5.17 | 4.13 | 3.63 |
Cash per Share |
6.84 | 2.73 | 8.59 | 3.25 | 2.66 | 5.37 | 4.83 | 3.10 | 2.29 | 2.18 |
Shareholders Equity per Share |
40.87 | 42.66 | 38.45 | 34.33 | 42.88 | 40.55 | 36.29 | 30.96 | 29.16 | 25.92 |
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 |
40.87 | 42.66 | 38.45 | 34.33 | 42.88 | 40.55 | 36.29 | 30.96 | 29.16 | 25.92 |
Free Cash Flow |
42.50 | 71.50 | 47.20 | 97.20 | 7.20 | 27.50 | 110.40 | 170.00 | 134.10 | 117.80 |
Working Capital |
(1,410.00) | (1,449.80) | (1,336.50) | (1,540.50) | (1,548.30) | (1,537.50) | (1,627.70) | (1,712.40) | (1,738.20) | (1,752.10) |
Capital Expenditures |
(2.20) | (4.90) | (2.20) | (2.60) | (3.60) | (5.50) | (12.10) | (10.20) | (8.20) | (5.00) |
Net Current Asset Value |
(1,593.90) | (1,625.00) | (1,516.70) | (1,925.90) | (1,766.30) | (1,812.90) | (1,857.70) | (1,954.80) | (1,947.20) | (1,968.60) |
EV/EBIT |
65.04 | 8.72 | 5.36 | 22.08 | 7.45 | 5.63 | 6.30 | 7.59 | 8.87 | 8.89 |
Capex to Sales |
0.00 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
77.07 | 8.75 | 6.57 | 21.25 | 7.75 | 6.48 | 6.92 | 8.14 | 9.31 | 9.27 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
1.34 | 2.01 | 3.68 | 2.06 | 2.05 | 1.41 | 1.05 | 0.81 | 1.62 | 1.04 |
Cash ROIC |
3.69% | 6.29% | 3.80% | 7.92% | 0.55% | 1.98% | 8.28% | 14.67% | 12.64% | 12.10% |
Accounts Receivable Turnover |
1.14 | 1.12 | 1.10 | 0.96 | 0.96 | 0.91 | 1.00 | 0.93 | 0.91 | 0.85 |
Accounts Payable Turnover |
0.38 | 0.32 | 0.30 | 0.28 | 0.23 | 0.23 | 0.25 | 0.24 | 0.25 | 0.24 |
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 |
959.30 | 1,109.87 | 1,219.13 | 1,299.37 | 1,528.83 | 1,551.75 | 1,456.42 | 1,496.94 | 1,467.94 | 1,508.95 |
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 |
753.05 | 786.15 | 775.20 | 742.85 | 732.40 | 780.85 | 834.80 | 857.55 | 882.15 | 915.20 |
Average Payables |
2,226.35 | 2,260.95 | 2,309.60 | 2,319.45 | 2,350.70 | 2,475.55 | 2,570.50 | 2,594.70 | 2,621.80 | 2,658.00 |
Average Assets |
3,488.95 | 3,545.85 | 3,633.55 | 3,749.95 | 3,852.90 | 3,963.35 | 3,961.65 | 3,879.65 | 3,806.75 | 3,764.60 |
Average Common Equity |
1,012.20 | 1,041.30 | 979.05 | 1,078.65 | 1,212.95 | 1,189.30 | 1,092.00 | 982.95 | 894.15 | 800.70 |
Columns are period end dates