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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%
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 (above 35: high)
Fwd P/E 18.20
P/S ratio 1.11
P/B ratio 1.08
Past 5Y EPS Growth (35.02%) (below 0%: weak)
This Y EPS Growth 145.98% (at or above 15%: strong)
Next Y EPS Growth 8.16%
Next Y revenue growth (6.15%) (below 0%: weak)
Next 5Y EPS Growth 41.35% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Employers Holdings Inc vs peers in Insurance Specialty (Q) = latest quarter vs a year earlier

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.

Source: company filings (standardised) and stockrow calculations.

Employers Holdings Inc (EIG) Latest News

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stockrow.com/EIG · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com