Employers Holdings, Inc. (EIG) quarterly income statement — complete revenue, gross profit & net income history
Employers Holdings, Inc. (EIG) annual income statement — 21-year revenue, gross profit & net income history
| Metric | 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 |
|---|
| Revenue | 189.3M | 220.2M | 207.6M | 170.2M | 239.3M | 246.3M | 202.6M | 216.6M | 224M | 217M | 223.1M | 225.7M | 203.5M | 215.2M | 206.5M | 221.8M | 204.4M | 135.3M | 152M | 199.8M |
| Revenue Growth % | -20.89% | -10.6% | 2.47% | -21.42% | 6.83% | 13.5% | -9.19% | -4.03% | 10.07% | 0.84% | 8.04% | 1.76% | -0.44% | 59.05% | 35.86% | 11.01% | 21.45% | -21.06% | -7.09% | 4.55% |
| Medical Costs & Claims | 114M | 122.3M | 129.1M | 62.3M | 209.6M | 166.2M | 143.7M | 135.7M | 144.1M | 134.8M | 141.6M | 119.1M | 141.6M | 114.1M | 130.8M | 117.3M | 137.6M | 117M | 115.1M | 92.1M |
| Medical Cost Ratio % | 60.22% | 55.54% | 62.19% | 36.6% | 87.59% | 67.48% | 70.93% | 62.65% | 64.33% | 62.12% | 63.47% | 52.77% | 69.58% | 53.02% | 63.34% | 52.89% | 67.32% | 86.47% | 75.72% | 46.1% |
| Gross Profit | 75.3M | 97.9M | 78.5M | 107.7M | 29.7M | 80.1M | 58.9M | 80.9M | 79.9M | 82.2M | 81.5M | 106.6M | 61.9M | 101.1M | 75.7M | 104.5M | 66.8M | 18.3M | 36.9M | 107.7M |
| Gross Margin % | 39.78% | 44.46% | 37.81% | 63.28% | 12.41% | 32.52% | 29.07% | 37.35% | 35.67% | 37.88% | 36.53% | 47.23% | 30.42% | 46.98% | 36.66% | 47.11% | 32.68% | 13.53% | 24.28% | 53.9% |
| Gross Profit Growth % | 153.54% | 22.22% | 33.28% | 33.13% | -62.83% | -2.55% | -27.73% | -24.11% | 29.08% | -18.69% | 7.66% | 2.01% | -7.34% | 452.46% | 105.15% | -2.97% | 16.78% | -73.74% | -52.2% | -13.35% |
| Operating Expenses | 59.5M | 63.2M | 65.7M | 137.4M | 40.9M | 43.1M | 43M | 46.3M | 43.2M | 42.2M | 46.2M | 48.5M | 44.5M | 57.3M | 46.7M | 48.6M | 43M | 39.7M | 39.4M | 39.3M |
| OpEx / Revenue % | 31.43% | 28.7% | 31.65% | 80.73% | 17.09% | 17.5% | 21.22% | 21.38% | 19.29% | 19.45% | 20.71% | 21.49% | 21.87% | 26.63% | 22.62% | 21.91% | 21.04% | 29.34% | 25.92% | 19.67% |
| Depreciation & Amortization | 4.5M | 3.3M | 3M | 800K | 8.7M | -1.7M | 3.4M | -9.5M | 3.9M | 5.4M | 3.8M | 1.1M | 13.6M | -2.7M | 5.4M | 1.2M | 1.2M | 1.4M | 1.5M | 1.7M |
| Combined Ratio % | 91.65% | 84.24% | 93.83% | 117.33% | 104.68% | 84.98% | 92.15% | 84.03% | 83.62% | 81.57% | 84.18% | 74.26% | 91.45% | 79.65% | 85.96% | 74.8% | 88.36% | 115.82% | 101.64% | 65.77% |
| Operating Income | 15.8M | 34.7M | 12.8M | -29.7M | -11.2M | 37M | 15.9M | 34.6M | 36.7M | 40M | 35.3M | 58.1M | 17.4M | 43.8M | 29M | 55.9M | 23.8M | -21.4M | -2.5M | 68.4M |
| Operating Margin % | 8.35% | 15.76% | 6.17% | -17.45% | -4.68% | 15.02% | 7.85% | 15.97% | 16.38% | 18.43% | 15.82% | 25.74% | 8.55% | 20.35% | 14.04% | 25.2% | 11.64% | -15.82% | -1.64% | 34.23% |
| Operating Income Growth % | 241.07% | -6.22% | -19.5% | -185.84% | -130.52% | -7.5% | -54.96% | -40.45% | 110.92% | -8.68% | 21.72% | 3.94% | -26.89% | 304.67% | 1260% | -18.27% | 27.96% | -166.05% | -109.06% | -14.93% |
| EBITDA | 20.3M | 38M | 15.8M | -28.9M | -2.5M | 35.3M | 19.3M | 25.1M | 40.6M | 45.4M | 39.1M | 59.2M | 31M | 41.1M | 34.4M | 57.1M | 25M | -20M | -1M | 70.1M |
| EBITDA Margin % | 10.72% | 17.26% | 7.61% | -16.98% | -1.04% | 14.33% | 9.53% | 11.59% | 18.13% | 20.92% | 17.53% | 26.23% | 15.23% | 19.1% | 16.66% | 25.74% | 12.23% | -14.78% | -0.66% | 35.09% |
| Interest Expense | 1.3M | 1.3M | 1.1M | 200K | 200K | 0 | 100K | 100K | 0 | 0 | 0 | 600K | 1M | 1.9M | 2.3M | 1.9M | 1.1M | 300K | 100K | 100K |
| Non-Operating Income | 0 | -1.3M | -1.1M | -200K | -200K | 0 | -100K | 0 | 0 | 0 | 0 | -600K | -1M | -1.9M | -2.3M | -1.9M | -1.1M | -300K | -100K | -100K |
| Pretax Income | 14.5M | 34.7M | 12.8M | -29.7M | -11.2M | 37M | 15.9M | 34.6M | 36.7M | 40M | 35.3M | 58.1M | 17.4M | 43.8M | 29M | 55.9M | 23.8M | -21.4M | -2.5M | 68.4M |
| Pretax Margin % | 7.66% | 15.76% | 6.17% | -17.45% | -4.68% | 15.02% | 7.85% | 15.97% | 16.38% | 18.43% | 15.82% | 25.74% | 8.55% | 20.35% | 14.04% | 25.2% | 11.64% | -15.82% | -1.64% | 34.23% |
| Income Tax | 2.9M | 5.6M | 2.6M | -6.3M | -2.9M | 7.3M | 3.1M | 6.3M | 6.4M | 8.3M | 7M | 12.5M | 3.4M | 8.9M | 5.4M | 8.8M | 4.7M | -5.8M | -200K | 13.6M |
| Effective Tax Rate % | 20% | 16.14% | 20.31% | 21.21% | 25.89% | 19.73% | 19.5% | 18.21% | 17.44% | 20.75% | 19.83% | 21.51% | 19.54% | 20.32% | 18.62% | 15.74% | 19.75% | 27.1% | 8% | 19.88% |
| Net Income | 11.6M | 29.1M | 10.2M | -23.4M | -8.3M | 29.7M | 12.8M | 28.3M | 30.3M | 31.7M | 28.3M | 45.6M | 14M | 34.9M | 23.6M | 47.1M | 19.1M | -15.6M | -2.3M | 54.8M |
| Net Margin % | 6.13% | 13.22% | 4.91% | -13.75% | -3.47% | 12.06% | 6.32% | 13.07% | 13.53% | 14.61% | 12.68% | 20.2% | 6.88% | 16.22% | 11.43% | 21.24% | 9.34% | -11.53% | -1.51% | 27.43% |
| Net Income Growth % | 239.76% | -2.02% | -20.31% | -182.69% | -127.39% | -6.31% | -54.77% | -37.94% | 116.43% | -9.17% | 19.92% | -3.18% | -26.7% | 323.72% | 1126.09% | -14.05% | 27.33% | -159.09% | -109.96% | -14.37% |
| EPS (Diluted) | 0.64 | 1.59 | 0.42 | -0.97 | -0.36 | 1.23 | 0.52 | 1.14 | 1.21 | 1.25 | 1.11 | 1.77 | 0.54 | 1.30 | 0.86 | 1.72 | 0.70 | -0.56 | -0.08 | 1.94 |
| EPS Growth % | 277.78% | 29.27% | -19.23% | -185.09% | -129.75% | -1.6% | -53.15% | -35.59% | 124.07% | -3.85% | 29.07% | 2.91% | -22.86% | 332.14% | 1150.06% | -11.34% | 32.08% | -160.87% | -110.24% | -11.42% |
| EPS (Basic) | 0.65 | 1.60 | 0.42 | -0.97 | -0.36 | 1.24 | 0.52 | 1.14 | 1.21 | 1.25 | 1.12 | 1.78 | 0.54 | 1.31 | 0.87 | 1.73 | 0.70 | -0.56 | -0.08 | 1.96 |
| Diluted Shares Outstanding | 18.06M | 18.29M | 24.14M | 24.14M | 24.14M | 24.14M | 24.98M | 24.98M | 24.98M | 25.36M | 25.54M | 25.8M | 26.12M | 26.8M | 27.39M | 27.44M | 27.44M | 27.78M | 28.08M | 28.18M |