8-K Announcements
6Apr 29, 2026·SEC
Feb 19, 2026·SEC
Oct 30, 2025·SEC
Employers Holdings, Inc. (EIG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Employers Holdings, Inc. (EIG) stock price & volume — 10-year historical chart
Employers Holdings, Inc. (EIG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Employers Holdings, Inc. (EIG) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.53vs $0.55-3.3% | $208Mvs $213M-2.6% |
| Q1 2026 | Feb 19, 2026 | $0.66vs $0.41+61.0% | $171Mvs $216M-21.2% |
| Q4 2025 | Oct 30, 2025 | $1.10vs $0.61-280.3% | $239Mvs $217M+10.1% |
| Q3 2025 | Jul 30, 2025 | $0.48vs $0.94-48.9% | $246Mvs $218M+13.1% |
Employers Holdings, Inc. (EIG) competitors in Specialty Commercial P&C Carriers — business model, growth, and fundamentals comparison
Employers Holdings, Inc. (EIG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Employers Holdings, Inc. (EIG) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 799.3M | 800.4M | 835.9M | 711.4M | 703.1M | 713.5M | 850.9M | 880.7M | 858.2M | 863.4M |
| Revenue Growth % | 2.5% | 0.14% | 4.44% | -14.89% | -1.17% | 1.48% | 19.26% | 3.5% | -2.55% | 0.37% |
| Medical Costs & Claims | 508.6M | 470.9M | 454M | 381.2M | 391.3M | 486.9M | 505.7M | 557.4M | 581.8M | 567.2M |
| Medical Cost Ratio % | 63.63% | 58.83% | 54.31% | 53.58% | 55.65% | 68.24% | 59.43% | 63.29% | 67.79% | 65.69% |
| Gross Profit | 290.7M▲ 0% | 329.5M▲ 13.3% | 381.9M▲ 15.9% | 330.2M▼ 13.5% | 311.8M▼ 5.6% | 226.6M▼ 27.3% | 345.2M▲ 52.3% | 323.3M▼ 6.3% | 276.4M▼ 14.5% | 296M▲ 0% |
| Gross Margin % | 36.37% | 41.17% | 45.69% | 46.42% | 44.35% | 31.76% | 40.57% | 36.71% | 32.21% | 34.28% |
| Gross Profit Growth % | 4.42% | 13.35% | 15.9% | -13.54% | -5.57% | -27.33% | 52.34% | -6.34% | -14.51% | - |
| Operating Expenses | 146.7M | 160M | 188.1M | 182.5M | 164.8M | 170.8M | 196.8M | 176.6M | 264.4M | 287.1M |
| OpEx / Revenue % | 18.35% | 19.99% | 22.5% | 25.65% | 23.44% | 23.94% | 23.13% | 20.05% | 30.81% | 33.25% |
| Depreciation & Amortization | 8.2M | 6.3M | 9M | 8.2M | 7.4M | 5.3M | 4.8M | 3.6M | 0 | 7M |
| Combined Ratio % | 81.98% | 78.82% | 76.82% | 79.24% | 79.09% | 92.18% | 82.56% | 83.34% | 98.6% | 98.95% |
| Operating Income | 144M▲ 0% | 169.5M▲ 17.7% | 193.8M▲ 14.3% | 147.7M▼ 23.8% | 147M▼ 0.5% | 55.8M▼ 62.0% | 148.4M▲ 165.9% | 146.7M▼ 1.1% | 12M▼ 91.8% | 8.9M▲ 0% |
| Operating Margin % | 18.02% | 21.18% | 23.18% | 20.76% | 20.91% | 7.82% | 17.44% | 16.66% | 1.4% | 1.03% |
| Operating Income Growth % | 2.35% | 17.71% | 14.34% | -23.79% | -0.47% | -62.04% | 165.95% | -1.15% | -91.82% | - |
| EBITDA | 152.2M | 175.8M | 202.8M | 155.9M | 154.4M | 61.1M | 153.2M | 150.3M | 12.5M | 16.1M |
| EBITDA Margin % | 19.04% | 21.96% | 24.26% | 21.91% | 21.96% | 8.56% | 18% | 17.07% | 1.46% | 1.86% |
| Interest Expense | 1.4M | 1.5M | 600K | 400K | 500K | 3.5M | 5.8M | 100K | 500K | 1.5M |
| Non-Operating Income | -1.4M | -1.5M | -600K | -400K | -500K | -3.5M | -5.8M | -100K | -500K | -400K |
| Pretax Income | 144M▲ 0% | 169.5M▲ 17.7% | 193.8M▲ 14.3% | 147.7M▼ 23.8% | 147M▼ 0.5% | 55.8M▼ 62.0% | 148.4M▲ 165.9% | 146.7M▼ 1.1% | 12M▼ 91.8% | 8.9M▲ 0% |
| Pretax Margin % | 18.02% | 21.18% | 23.18% | 20.76% | 20.91% | 7.82% | 17.44% | 16.66% | 1.4% | 1.03% |
| Income Tax | 42.8M | 28.2M | 36.7M | 27.9M | 27.7M | 7.4M | 30.3M | 28.1M | 1.2M | 700K |
| Effective Tax Rate % | 29.72% | 16.64% | 18.94% | 18.89% | 18.84% | 13.26% | 20.42% | 19.15% | 10% | 7.87% |
| Net Income | 101.2M▲ 0% | 141.3M▲ 39.6% | 157.1M▲ 11.2% | 119.8M▼ 23.7% | 119.3M▼ 0.4% | 48.4M▼ 59.4% | 118.1M▲ 144.0% | 118.6M▲ 0.4% | 10.8M▼ 90.9% | 8.2M▲ 0% |
| Net Margin % | 12.66% | 17.65% | 18.79% | 16.84% | 16.97% | 6.78% | 13.88% | 13.47% | 1.26% | 0.95% |
| Net Income Growth % | -5.15% | 39.62% | 11.18% | -23.74% | -0.42% | -59.43% | 144.01% | 0.42% | -90.89% | -92.05% |
| EPS (Diluted) | 3.06▲ 0% | 4.24▲ 38.6% | 4.83▲ 13.9% | 3.97▼ 17.8% | 4.17▲ 5.0% | 1.75▼ 58.0% | 4.45▲ 154.3% | 4.71▲ 5.8% | 0.45▼ 90.4% | 0.34▲ 0% |
| EPS Growth % | -5.56% | 38.56% | 13.92% | -17.81% | 5.04% | -58.03% | 154.29% | 5.84% | -90.45% | -92.23% |
| EPS (Basic) | 3.11 | 4.30 | 4.89 | 4.01 | 4.22 | 1.76 | 4.48 | 4.74 | 0.45 | - |
| Diluted Shares Outstanding | 33.06M | 33.31M | 32.54M | 30.2M | 28.6M | 27.68M | 26.52M | 25.2M | 24.14M | 24.14M |
Employers Holdings, Inc. (EIG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 3.84B | 3.92B | 4B | 3.92B | 3.78B | 3.72B | 3.55B | 3.54B | 3.44B | 3.44B |
| Asset Growth % | 1.77% | 2.06% | 2.17% | -2.04% | -3.55% | -1.76% | -4.47% | -0.26% | -2.96% | -9.04% |
| Total Investment Assets | 2.68B | 2.73B | 2.78B | 2.76B | 2.74B | 2.57B | 778.3M | 2.46B | 2.34B | 4M |
| Long-Term Investments | 2.68B | 2.73B | 2.75B | 2.72B | 382.8M | 263.4M | 91.5M | 366.4M | 1.29B | 6.6B |
| Short-Term Investments | 4M | 25M | 2.49B | 2.51B | 2.35B | 2.31B | 686.8M | 2.1B | 1.04B | 0 |
| Total Current Assets | 77.3M | 1B | 0 | 0 | 3.19B | 3.18B | 1.72B | 2.97B | 1.96B | 2.83B |
| Cash & Equivalents | 73.3M | 101.4M | 154.9M | 160.4M | 75.1M | 89.2M | 226.4M | 68.3M | 159.8M | 2.49B |
| Receivables | 0 | 0 | 838.6M | 749.7M | 742.4M | 790.1M | 807.4M | 799.6M | 758.6M | 2.68B |
| Other Current Assets | 0 | 0 | -3.48B | -3.42B | 14.7M | 200K | 0 | 200K | 200K | 0 |
| Goodwill & Intangibles | 44.1M | 43.9M | 49.7M | 49.8M | 49.8M | 98.1M | 49.8M | 109.4M | 106.9M | 382.9M |
| Goodwill | 36.2M | 36.2M | 36.2M | 36.2M | 36.2M | 36.2M | 36.2M | 36.2M | 36.2M | 36.2M |
| Intangible Assets | 7.9M | 7.7M | 13.5M | 13.6M | 13.6M | 61.9M | 13.6M | 73.2M | 70.7M | 13.6M |
| PP&E (Net) | 13.9M | 18.2M | 37.8M | 36.5M | 28.9M | 23.5M | 11.6M | 11.5M | 10.2M | 0 |
| Other Assets | -2.68B | -26.9M | -2.84B | -2.81B | 136.3M | 84.1M | 3.18B | 50.1M | 47.8M | -2.38B |
| Total Liabilities | 2.89B | 2.9B | 2.84B | 2.71B | 2.57B | 2.77B | 2.54B | 2.47B | 2.48B | 2.57B |
| Total Debt | 20M | 20M | 17.8M | 39.9M | 16.6M | 196.1M | 5.9M | 4.2M | 38.9M | 125M |
| Net Debt | -53.3M | -81.4M | -137.1M | -120.5M | -58.5M | 106.9M | -220.5M | -64.1M | -120.9M | -2.36B |
| Long-Term Debt | 20M | 20M | 0 | 20M | 0 | 182.5M | 0 | 0 | 16M | 125M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 19M | 0 |
| Total Current Liabilities | 55.3M | 37.1M | 0 | 0 | 2.47B | 2.49B | 1.45B | 2.39B | 2.39B | 55.2M |
| Accounts Payable | 23.7M | 37.1M | 29.8M | 22.9M | 24.1M | 28.7M | 26.1M | 21.2M | 23.4M | 0 |
| Deferred Revenue | -1.1M | 35.7M | 0 | 0 | 0 | 339.5M | 0 | 402.2M | 391.9M | 0 |
| Other Current Liabilities | -134.3M | -37.1M | -78.4M | -65.9M | 2.41B | 2.07B | 1.29B | 1.9B | 1.89B | 55.2M |
| Deferred Taxes | -1000K | 1000K | 1000K | 1000K | 1000K | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 2.71B | 2.67B | -157.5M | -180.8M | -42.8M | -22.9M | 2.43B | -17M | -15M | 1.97B |
| Total Equity | 947.7M▲ 0% | 1.02B▲ 7.4% | 1.17B▲ 14.5% | 1.21B▲ 4.0% | 1.21B▲ 0.0% | 944.2M▼ 22.2% | 1.01B▲ 7.4% | 1.07B▲ 5.4% | 955.7M▼ 10.6% | 866.5M▲ 0% |
| Equity Growth % | 12.74% | 7.44% | 14.5% | 4.03% | 0.02% | -22.17% | 7.38% | 5.4% | -10.57% | -29.09% |
| Shareholders Equity | 947.7M | 1.02B | 1.17B | 1.21B | 1.21B | 944.2M | 1.01B | 1.07B | 955.7M | 866.5M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 842.2M | 1.03B | 1.16B | 1.25B | 1.34B | 1.3B | 1.38B | 1.47B | 1.45B | 1.46B |
| Common Stock | 381.8M | 389.4M | 600K | 600K | 600K | 600K | 600K | 600K | 600K | 429.1M |
| Accumulated OCI | 107.4M | -13.7M | 65.3M | 115.1M | 60.6M | -138.9M | -86M | -82.5M | 7.3M | -9M |
| Return on Equity (ROE) | 11.32% | 14.38% | 14.39% | 10.07% | 9.84% | 4.49% | 12.06% | 11.39% | 1.07% | 0.83% |
| Return on Assets (ROA) | 2.66% | 3.64% | 3.97% | 3.02% | 3.1% | 1.29% | 3.25% | 3.34% | 0.31% | 0.24% |
| Equity / Assets | 24.68% | 25.98% | 29.12% | 30.92% | 32.07% | 25.4% | 28.56% | 30.18% | 27.81% | 25.21% |
| Debt / Equity | 0.02x | 0.02x | 0.02x | 0.03x | 0.01x | 0.21x | 0.01x | 0.00x | 0.04x | 0.04x |
| Book Value per Share | 28.67 | 30.57 | 35.83 | 40.15 | 42.41 | 34.11 | 38.23 | 42.42 | 39.60 | 35.90 |
| Tangible BV per Share | 27.33 | 29.25 | 34.30 | 38.50 | 40.67 | 30.57 | 36.35 | 38.08 | 35.17 | 33.84 |
Employers Holdings, Inc. (EIG) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 142.3M | 180.2M | 122.5M | 33M | 10.8M | 99.8M | 49.4M | 76.4M | 44.7M | 44.7M |
| Operating CF Growth % | 15.88% | 26.63% | -32.02% | -73.06% | -67.27% | 824.07% | -50.5% | 54.66% | -41.49% | -321.94% |
| Operating CF / Revenue % | 17.8% | 22.51% | 14.65% | 4.64% | 1.54% | 13.99% | 5.81% | 8.67% | 5.21% | 5.18% |
| Net Income | 101.2M | 141.3M | 157.1M | 119.8M | 119.3M | 48.4M | 118.1M | 118.6M | 10.8M | 8.2M |
| Depreciation & Amortization | 8.2M | 6.3M | 9M | 8.2M | 7.4M | 5.3M | 21.5M | 0 | 0 | 7.3M |
| Stock-Based Compensation | 6.8M | 9.4M | 10.1M | 9.7M | 9.1M | 5.1M | 6.2M | 6.3M | 5M | 5.4M |
| Deferred Taxes | 24.2M | 14.4M | 6M | -13.4M | 6.7M | -17.4M | 1.1M | 4.1M | 1.1M | 3.5M |
| Other Non-Cash Items | 12.5M | 18.2M | -39.2M | 7.2M | -31.2M | 74M | -7.8M | -7.1M | 31.4M | -1.8M |
| Working Capital Changes | -10.6M | -9.4M | -20.5M | -98.5M | -100.5M | -15.6M | -89.7M | -45.5M | -3.6M | 9.7M |
| Cash from Investing | -110.2M | -119.6M | 49.2M | 84.3M | -1.7M | -146.1M | 377.3M | -159.7M | 225.9M | 167.5M |
| Capital Expenditures | -8.2M | -10.2M | -12.1M | -5.5M | -3.6M | -2.6M | -2.2M | -4.9M | -2.2M | -2.9M |
| Acquisitions | -8.6M | 10.2M | -16.1M | 0 | 3.6M | -43.8M | 0 | 0 | 0 | 0 |
| Purchase of Investments | -637.3M | -775.7M | -652.9M | -972.9M | -745.9M | -892.6M | -553M | -832M | -860.1M | -181.1M |
| Sale/Maturity of Investments | 532.7M | 666.3M | 730.3M | 1.06B | 747.8M | 749.1M | 932.5M | 677.2M | 43.6M | 178.5M |
| Other Investing | 11.2M | -10.2M | 0 | 0 | -3.6M | 43.8M | 0 | 0 | 1.04B | 173M |
| Cash from Financing | -26M | -32.9M | -118.5M | -111.9M | -94.4M | 60.4M | -289.5M | -74.8M | -179.1M | -147.1M |
| Dividends Paid | -19.7M | -26.7M | -28.3M | -30.5M | -29M | -90.3M | -29.7M | -30.3M | -29.9M | -28.7M |
| Share Repurchases | 0 | -4.2M | -67.5M | -99.4M | -42.6M | -30.4M | -76.1M | -42.6M | -182.8M | -163M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -1000K | -200K | -1000K | -200K | -100K | 1000K | -200K | -100K | 1000K | 1000K |
| Other Financing | 3.8M | -1.8M | -2.5M | 18.2M | -22.7M | -1.2M | -183.5M | -1.8M | -1.4M | 9.6M |
| Net Change in Cash | 6.1M▲ 0% | 27.7M▲ 354.1% | 53.2M▲ 92.1% | 5.4M▼ 89.8% | -85.3M▼ 1679.6% | 14.1M▲ 116.5% | 137.2M▲ 873.0% | -158.1M▼ 215.2% | 91.5M▲ 157.9% | 52.7M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 67.2M | 74.3M | 102M | 155.2M | 160.6M | 75.3M | 89.4M | 226.6M | 68.5M | 160M |
| Cash at End | 73.3M | 102M | 155.2M | 160.6M | 75.3M | 89.4M | 226.6M | 68.5M | 160M | 153.3M |
| Free Cash Flow | 134.1M▲ 0% | 170M▲ 26.8% | 110.4M▼ 35.1% | 27.5M▼ 75.1% | 7.2M▼ 73.8% | 97.2M▲ 1250.0% | 47.2M▼ 51.4% | 71.5M▲ 51.5% | 42.5M▼ 40.6% | 30.6M▲ 0% |
| FCF Growth % | 13.84% | 26.77% | -35.06% | -75.09% | -73.82% | 1250% | -51.44% | 51.48% | -40.56% | -64.54% |
| FCF Margin % | 16.78% | 21.24% | 13.21% | 3.87% | 1.02% | 13.62% | 5.55% | 8.12% | 4.95% | 3.54% |
| FCF per Share | 4.06 | 5.1 | 3.39 | 0.91 | 0.25 | 3.51 | 1.78 | 2.84 | 1.76 | 1.76 |
Employers Holdings, Inc. (EIG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 81.98% | 78.82% | 76.82% | 79.24% | 79.09% | 92.18% | 82.56% | 83.34% | 98.6% | 98.95% |
| Medical Cost Ratio | 63.63% | 58.83% | 54.31% | 53.58% | 55.65% | 68.24% | 59.43% | 63.29% | 67.79% | 65.69% |
| Return on Equity (ROE) | 11.32% | 14.38% | 14.39% | 10.07% | 9.84% | 4.49% | 12.06% | 11.39% | 1.07% | 0.83% |
| Return on Assets (ROA) | 2.66% | 3.64% | 3.97% | 3.02% | 3.1% | 1.29% | 3.25% | 3.34% | 0.31% | 0.24% |
| Equity / Assets | 24.68% | 25.98% | 29.12% | 30.92% | 32.07% | 25.4% | 28.56% | 30.18% | 27.81% | 25.21% |
| Book Value / Share | 28.67 | 30.57 | 35.83 | 40.15 | 42.41 | 34.11 | 38.23 | 42.42 | 39.6 | 35.9 |
| Debt / Equity | 0.02x | 0.02x | 0.02x | 0.03x | 0.01x | 0.21x | 0.01x | 0.00x | 0.04x | 0.04x |
| Revenue Growth | 2.5% | 0.14% | 4.44% | -14.89% | -1.17% | 1.48% | 19.26% | 3.5% | -2.55% | 0.37% |
Employers Holdings, Inc. (EIG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Feb 19, 2026·SEC
Oct 30, 2025·SEC
Employers Holdings, Inc. (EIG) stock FAQ — growth, dividends, profitability & financials explained
Employers Holdings, Inc. (EIG) saw revenue decline by 2.6% over the past year.
Yes, Employers Holdings, Inc. (EIG) is profitable, generating $8.2M in net income for fiscal year 2025 (1.3% net margin).
Yes, Employers Holdings, Inc. (EIG) pays a dividend with a yield of 2.97%. This makes it attractive for income-focused investors.
Employers Holdings, Inc. (EIG) has a return on equity (ROE) of 1.1%. This is below average, suggesting room for improvement.
Employers Holdings, Inc. (EIG) has a combined ratio of 98.6%. A ratio below 100% indicates underwriting profitability.
Employers Holdings, Inc. (EIG) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates