EIG Fundamental Analysis - EMPLOYERS HOLDINGS INC

Fundamental Rating

EIG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. EIG has an average financial health and profitability rating. EIG has a valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

EIG had positive earnings in the past year.

In the past year EIG had a positive cash flow from operations.

In the past 5 years EIG has always been profitable.

EIG had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 2.85%, EIG is doing good in the industry, outperforming 65.25% of the companies in the same industry.

EIG has a Return On Equity (9.33%) which is comparable to the rest of the industry.

The Return On Invested Capital of EIG (2.88%) is better than 63.12% of its industry peers.

EIG had an Average Return On Invested Capital over the past 3 years of 2.84%. This is in line with the industry average of 4.08%.

The 3 year average ROIC (2.84%) for EIG is below the current ROIC(2.88%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	2.85%
ROE	9.33%
ROIC	2.88%

ROA(3y)2.66%

ROA(5y)2.84%

ROE(3y)9.29%

ROE(5y)9.52%

ROIC(3y)2.84%

ROIC(5y)2.96%

1.3 Margins

With a decent Profit Margin value of 11.37%, EIG is doing good in the industry, outperforming 70.92% of the companies in the same industry.

EIG's Profit Margin has declined in the last couple of years.

The Operating Margin of EIG (13.97%) is better than 65.25% of its industry peers.

EIG's Operating Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	13.97%
PM (TTM)	11.37%
GM	N/A

OM growth 3Y-7.38%

OM growth 5Y-6.44%

PM growth 3Y-7.41%

PM growth 5Y-6.45%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EIG is destroying value.

The number of shares outstanding for EIG has been reduced compared to 1 year ago.

EIG has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, EIG has an improved debt to assets ratio.

2.2 Solvency

EIG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACC0.32

WACC8.91%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for EIG have decreased strongly by -14.03% in the last year.

The Earnings Per Share has been growing slightly by 3.11% on average over the past years.

Looking at the last year, EIG shows a small growth in Revenue. The Revenue has grown by 2.32% in the last year.

Measured over the past years, EIG shows a small growth in Revenue. The Revenue has been growing by 1.05% on average per year.

EPS 1Y (TTM)-14.03%

EPS 3Y15.99%

EPS 5Y3.11%

EPS Q2Q%-56.36%

Revenue 1Y (TTM)2.32%

Revenue growth 3Y7.8%

Revenue growth 5Y1.05%

Sales Q2Q%13.5%

3.2 Future

EIG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.70% yearly.

Based on estimates for the next years, EIG will show a small growth in Revenue. The Revenue will grow by 0.08% on average per year.

EPS Next Y-2.86%

EPS Next 2Y-3.7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-3.33%

Revenue Next 2Y0.08%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.20, the valuation of EIG can be described as correct.

EIG's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 27.24, EIG is valued rather cheaply.

A Price/Forward Earnings ratio of 12.63 indicates a correct valuation of EIG.

The rest of the industry has a similar Price/Forward Earnings ratio as EIG.

EIG is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.82, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.2
Fwd PE	12.63

4.2 Price Multiples

EIG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EIG is cheaper than 67.38% of the companies in the same industry.

EIG's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	14.06
EV/EBITDA	6.99

4.3 Compensation for Growth

A cheap valuation may be justified as EIG's earnings are expected to decrease with -3.70% in the coming years.

PEG (NY)N/A

PEG (5Y)4.24

EPS Next 2Y-3.7%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

EIG has a Yearly Dividend Yield of 2.97%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.59, EIG pays a bit more dividend than its industry peers.

EIG's Dividend Yield is a higher than the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	2.97%

5.2 History

The dividend of EIG is nicely growing with an annual growth rate of 6.16%!

EIG has been paying a dividend for at least 10 years, so it has a reliable track record.

EIG has decreased its dividend recently.

Dividend Growth(5Y)6.16%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

EIG pays out 29.97% of its income as dividend. This is a sustainable payout ratio.

DP29.97%

EPS Next 2Y-3.7%

EPS Next 3YN/A

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EMPLOYERS HOLDINGS INC

NYSE:EIG (8/22/2025, 8:04:35 PM)

After market: 43.69 0 (0%)

43.69

+0.57 (+1.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)07-30 2025-07-30/amc

Earnings (Next)10-28 2025-10-28/amc

Inst Owners86.71%

Inst Owner Change-7.45%

Ins Owners0.92%

Ins Owner Change2.89%

Market Cap1.03B

Analysts72.5

Price Target52.02 (19.07%)

Short Float %2.06%

Short Ratio2.47

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.97%

Yearly Dividend1.21

Dividend Growth(5Y)6.16%

DP29.97%

Div Incr Years1

Div Non Decr Years1

Ex-Date08-13 2025-08-13 (0.32)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-18.07%

Min EPS beat(2)-51.85%

Max EPS beat(2)15.7%

EPS beat(4)3

Avg EPS beat(4)-7.13%

Min EPS beat(4)-51.85%

Max EPS beat(4)15.7%

EPS beat(8)5

Avg EPS beat(8)-1%

EPS beat(12)9

Avg EPS beat(12)7.39%

EPS beat(16)11

Avg EPS beat(16)6.44%

Revenue beat(2)1

Avg Revenue beat(2)2.17%

Min Revenue beat(2)-7.94%

Max Revenue beat(2)12.29%

Revenue beat(4)1

Avg Revenue beat(4)-1.25%

Min Revenue beat(4)-7.94%

Max Revenue beat(4)12.29%

Revenue beat(8)3

Avg Revenue beat(8)-1.23%

Revenue beat(12)6

Avg Revenue beat(12)0.85%

Revenue beat(16)8

Avg Revenue beat(16)0.35%

PT rev (1m)-8.11%

PT rev (3m)-8.11%

EPS NQ rev (1m)-30.52%

EPS NQ rev (3m)-35.51%

EPS NY rev (1m)0%

EPS NY rev (3m)-1.26%

Revenue NQ rev (1m)-1.33%

Revenue NQ rev (3m)-4.07%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.34%

Valuation

		Industry Rank	Sector Rank
PE	13.2
Fwd PE	12.63
P/S	1.18
P/FCF	14.06
P/OCF	13.35
P/B	0.97
P/tB	1.02
EV/EBITDA	6.99

EPS(TTM)3.31

EY7.58%

EPS(NY)3.46

Fwd EY7.92%

FCF(TTM)3.11

FCFY7.11%

OCF(TTM)3.27

OCFY7.49%

SpS37

BVpS45.05

TBVpS42.98

PEG (NY)N/A

PEG (5Y)4.24

Profitability

		Industry Rank	Sector Rank
ROA	2.85%
ROE	9.33%
ROCE	3.59%
ROIC	2.88%
ROICexc	2.94%
ROICexgc	3.48%
OM	13.97%
PM (TTM)	11.37%
GM	N/A
FCFM	8.4%

ROA(3y)2.66%

ROA(5y)2.84%

ROE(3y)9.29%

ROE(5y)9.52%

ROIC(3y)2.84%

ROIC(5y)2.96%

ROICexc(3y)2.97%

ROICexc(5y)3.08%

ROICexgc(3y)3.58%

ROICexgc(5y)3.74%

ROCE(3y)3.54%

ROCE(5y)3.7%

ROICexcg growth 3Y1.31%

ROICexcg growth 5Y-4.1%

ROICexc growth 3Y2.18%

ROICexc growth 5Y-3.47%

OM growth 3Y-7.38%

OM growth 5Y-6.44%

PM growth 3Y-7.41%

PM growth 5Y-6.45%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.25

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	0
Cap/Depr	28.17%
Cap/Sales	0.45%
Interest Coverage	250
Cash Conversion	56.82%
Profit Quality	73.89%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.91%

ROIC/WACC0.32

Cap/Depr(3y)17.19%

Cap/Depr(5y)20.04%

Cap/Sales(3y)0.39%

Cap/Sales(5y)0.49%

Profit Quality(3y)100.36%

Profit Quality(5y)66.06%

High Growth Momentum

Growth

EPS 1Y (TTM)-14.03%

EPS 3Y15.99%

EPS 5Y3.11%

EPS Q2Q%-56.36%

EPS Next Y-2.86%

EPS Next 2Y-3.7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)2.32%

Revenue growth 3Y7.8%

Revenue growth 5Y1.05%

Sales Q2Q%13.5%

Revenue Next Year-3.33%

Revenue Next 2Y0.08%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-18.44%

EBIT growth 3Y-0.16%

EBIT growth 5Y-5.46%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y31.75%

FCF growth 3Y114.94%

FCF growth 5Y-8.42%

OCF growth 1Y34.76%

OCF growth 3Y91.97%

OCF growth 5Y-9.1%

EMPLOYERS HOLDINGS INC (EIG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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