Last 48 quarters of trend data · Financial Services · Specialty Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 31.07 | 18.65 | 7.94 | 24.49 | — | — | 9.59 | 24.35 | 11.23 | 9.91 | 8.53 | 10.22 | 5.56 | 18.50 | 7.19 | 12.12 | 6.27 | 12.32 | — | — | 5.33 |
| — | — | -17.2% | +0.6% | — | — | +12.5% | +138.2% | +101.9% | -46.4% | +18.5% | -15.6% | -11.2% | +50.2% | — | — | +17.6% | -33.9% | — | — | +45.1% | |
| P/S Ratio | 1.33 | 1.14 | 1.05 | 1.20 | 1.53 | 1.07 | 1.16 | 1.56 | 1.48 | 1.34 | 1.25 | 1.30 | 1.13 | 1.28 | 1.16 | 1.38 | 1.33 | 1.16 | 2.15 | 1.89 | 1.46 |
| — | +6.3% | -9.3% | -23.4% | +3.6% | -19.9% | -7.2% | +20.2% | +31.2% | +4.3% | +6.9% | -6.1% | -15.6% | +10.8% | -45.8% | -27.0% | -8.6% | -30.7% | +19.6% | -0.6% | +18.5% | |
| P/B Ratio | 1.19 | 1.10 | 1.08 | 1.15 | 1.09 | 0.99 | 1.05 | 1.18 | 1.20 | 1.10 | 1.06 | 1.14 | 1.00 | 1.14 | 1.05 | 1.17 | 1.25 | 1.03 | 1.19 | 1.04 | 0.96 |
| — | +11.2% | +2.3% | -2.6% | -9.0% | -10.0% | -0.5% | +3.4% | +19.4% | -3.5% | +0.3% | -3.0% | -20.0% | +10.3% | -11.5% | +12.9% | +30.4% | +9.0% | +16.2% | -1.2% | +23.9% | |
| P/FCF | — | — | — | 190.95 | 520.98 | 8.90 | — | 22.43 | 28.07 | 5.98 | 25.26 | — | 9.45 | 10.69 | — | 75.13 | 9.27 | 8.19 | 14.26 | 18.00 | 15.67 |
| — | — | — | +751.3% | +1756.2% | +48.8% | — | — | +197.1% | -44.1% | — | — | +1.9% | +30.6% | — | +317.5% | -40.8% | -57.2% | — | — | — | |
| EV / EBITDA | 20.48 | 11.27 | 6.17 | 15.33 | — | — | 7.60 | 15.14 | 12.11 | 6.53 | 5.46 | 6.72 | 3.36 | 7.90 | 6.37 | 9.09 | 5.65 | 9.95 | — | — | 3.95 |
| — | — | -18.7% | +1.3% | — | — | +39.3% | +125.4% | +260.2% | -17.4% | -14.4% | -26.1% | -40.5% | -20.6% | — | — | +43.0% | -22.0% | — | — | +58.5% | |
| EV / EBIT | 77.14 | 14.48 | 6.52 | 17.42 | — | — | 7.25 | 18.26 | 8.78 | 7.22 | 6.19 | 7.44 | 3.39 | 13.32 | 5.73 | 9.99 | 5.58 | 9.99 | — | — | 4.04 |
| — | — | -10.1% | -4.6% | — | — | +17.1% | +145.4% | +159.1% | -45.8% | +8.1% | -25.5% | -39.2% | +33.3% | — | — | +38.1% | -28.5% | — | — | +59.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 32.2% | 39.8% | 44.5% | 37.8% | 63.3% | 12.4% | 32.5% | 29.1% | 37.4% | 35.7% | 37.9% | 36.5% | 47.2% | 30.4% | 47.0% | 36.7% | 47.1% | 32.7% | 13.5% | 24.3% | 53.9% |
| — | +220.5% | +36.7% | +30.1% | +69.4% | -65.2% | -14.1% | -20.4% | -20.9% | +17.3% | -19.4% | -0.3% | +0.2% | -6.9% | +247.3% | +51.0% | -12.6% | -3.8% | -66.7% | -48.6% | -17.1% | |
| Operating Margin | 1.4% | 8.3% | 15.8% | 6.2% | -17.5% | -4.7% | 15.0% | 7.8% | 16.0% | 16.4% | 18.4% | 15.8% | 25.7% | 8.6% | 20.4% | 14.0% | 25.2% | 11.6% | -15.8% | -1.6% | 34.2% |
| — | +278.3% | +4.9% | -21.4% | -209.2% | -128.6% | -18.5% | -50.4% | -37.9% | +91.6% | -9.4% | +12.7% | +2.1% | -26.6% | +228.7% | +953.9% | -26.4% | +5.4% | -183.7% | -109.7% | -18.6% | |
| Net Margin | 1.3% | 6.1% | 13.2% | 4.9% | -13.7% | -3.5% | 12.1% | 6.3% | 13.1% | 13.5% | 14.6% | 12.7% | 20.2% | 6.9% | 16.2% | 11.4% | 21.2% | 9.3% | -11.5% | -1.5% | 27.4% |
| — | +276.7% | +9.6% | -22.2% | -205.2% | -125.6% | -17.5% | -50.2% | -35.3% | +96.6% | -9.9% | +11.0% | -4.9% | -26.4% | +240.7% | +855.3% | -22.6% | +4.8% | -174.9% | -110.7% | -18.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 1.1% | 1.4% | 3.4% | 1.1% | -2.3% | -0.8% | 2.8% | 1.2% | 2.6% | 2.9% | 3.1% | 2.8% | 4.7% | 1.5% | 3.6% | 2.5% | 5.1% | 2.0% | -1.5% | -0.2% | 4.6% |
| — | +280.4% | +22.6% | -6.2% | -189.6% | -127.3% | -11.4% | -57.1% | -44.5% | +91.3% | -14.3% | +13.2% | -6.7% | -25.7% | +342.4% | +1342.0% | +10.8% | +60.7% | -167.7% | -110.3% | -15.2% | |
| ROA | 0.3% | 0.3% | 0.9% | 0.3% | -0.7% | -0.2% | 0.8% | 0.4% | 0.8% | 0.8% | 0.9% | 0.8% | 1.3% | 0.4% | 0.9% | 0.6% | 1.3% | 0.5% | -0.4% | -0.1% | 1.4% |
| — | +249.0% | +2.1% | -17.7% | -185.0% | -127.8% | -6.1% | -54.7% | -38.6% | +115.7% | -6.0% | +25.8% | +1.6% | -24.1% | +326.1% | +1137.0% | -12.2% | +31.5% | -161.2% | -110.3% | -10.7% | |
| ROIC | 1.0% | 1.4% | 3.0% | 1.1% | -2.6% | -0.9% | 2.8% | 1.2% | 2.6% | 2.9% | 3.3% | 3.1% | 5.3% | 1.4% | 3.2% | 2.0% | 4.2% | 1.8% | -1.6% | -0.2% | 4.5% |
| — | +256.0% | +9.1% | -4.8% | -198.3% | -130.4% | -14.6% | -61.3% | -49.9% | +107.0% | +3.0% | +52.5% | +27.2% | -22.8% | +301.2% | +1300.6% | -8.3% | +45.5% | -172.7% | -109.1% | -22.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.04 | 0.16 | 0.15 | 0.15 | 0.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.05 | 0.12 | 0.20 | 0.21 | 0.21 | 0.14 | 0.07 | 0.01 |
| — | +4043.0% | +4670.4% | +4107.3% | +935.7% | -8.2% | -38.3% | -34.5% | -32.5% | -91.3% | -95.6% | -97.3% | -97.2% | -76.9% | -19.1% | +193.8% | +1417.8% | +1356.1% | +843.6% | +137.5% | -58.4% | |
| Debt / EBITDA | 1.68 | 6.33 | 3.38 | 8.15 | — | — | 0.10 | 0.20 | 0.17 | 0.12 | 0.11 | 0.14 | 0.10 | 1.47 | 2.70 | 5.68 | 3.43 | 7.87 | — | — | 0.24 |
| — | — | +3413.6% | +4040.3% | — | — | -15.9% | +40.0% | +67.9% | -92.1% | -95.8% | -97.5% | -97.1% | -81.4% | — | — | +1350.3% | +822.1% | — | — | -51.2% | |
| Current Ratio | 0.82 | 463.82 | 267.45 | 0.77 | 0.82 | 0.77 | 0.76 | 0.78 | 1.24 | 0.74 | — | — | 1.18 | — | — | — | — | — | — | — | — |
| — | +59815.2% | +34981.6% | -1.5% | -33.7% | +4.2% | — | — | +4.7% | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.82 | 463.82 | 267.45 | 0.77 | 0.82 | 0.77 | 0.76 | 0.78 | 1.24 | 0.74 | — | — | 1.18 | — | — | — | — | — | — | — | — |
| — | +59815.2% | +34981.6% | -1.5% | -33.7% | +4.2% | — | — | +4.7% | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 25.00 | 12.15 | 27.69 | 12.64 | -147.50 | -55.00 | — | 160.00 | 346.00 | — | — | — | 97.83 | 18.40 | 24.05 | 13.61 | 30.42 | 22.64 | -70.33 | -24.00 | 685.00 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying EIG stock.
Employers Holdings, Inc.'s current P/E is 31.1x. The average P/E over the last 3 quarters is 17.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Employers Holdings, Inc.'s current operating margin is 1.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Employers Holdings, Inc.'s business trajectory between earnings reports.