EMPLOYERS HOLDINGS INC (EIG) Stock Fundamental Analysis

NYSE:EIG • US2922181043

41.6 USD
+1.4 (+3.48%)
At close: Feb 25, 2026
41.01 USD
-0.59 (-1.42%)
Pre-Market: 2/26/2026, 7:01:35 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

EIG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 150 industry peers in the Insurance industry. EIG scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. EIG has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • EIG had positive earnings in the past year.
  • EIG had a positive operating cash flow in the past year.
  • In the past 5 years EIG has always been profitable.
  • EIG had a positive operating cash flow in 4 of the past 5 years.
EIG Yearly Net Income VS EBIT VS OCF VS FCFEIG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • With a Return On Assets value of 1.77%, EIG perfoms like the industry average, outperforming 48.67% of the companies in the same industry.
  • EIG's Return On Equity of 6.01% is on the low side compared to the rest of the industry. EIG is outperformed by 70.67% of its industry peers.
  • EIG has a Return On Invested Capital (1.93%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.77%
ROE 6.01%
ROIC 1.93%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
EIG Yearly ROA, ROE, ROICEIG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • EIG has a Profit Margin (6.91%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of EIG has declined.
  • Looking at the Operating Margin, with a value of 8.59%, EIG is doing worse than 64.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of EIG has declined.
Industry RankSector Rank
OM 8.59%
PM (TTM) 6.91%
GM N/A
OM growth 3Y-42.45%
OM growth 5Y-40.26%
PM growth 3Y-42.98%
PM growth 5Y-40.48%
GM growth 3YN/A
GM growth 5YN/A
EIG Yearly Profit, Operating, Gross MarginsEIG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EIG is destroying value.
  • EIG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
EIG Yearly Shares OutstandingEIG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
EIG Yearly Total Debt VS Total AssetsEIG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.22
WACC8.69%
EIG Yearly LT Debt VS Equity VS FCFEIG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EIG Yearly Current Assets VS Current LiabilitesEIG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • EIG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.60%.
  • The earnings per share for EIG have been decreasing by -21.94% on average. This is quite bad
  • Looking at the last year, EIG shows a decrease in Revenue. The Revenue has decreased by -2.50% in the last year.
  • EIG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.84% yearly.
EPS 1Y (TTM)-75.6%
EPS 3Y-32.28%
EPS 5Y-21.94%
EPS Q2Q%-42.61%
Revenue 1Y (TTM)-2.5%
Revenue growth 3Y6.37%
Revenue growth 5Y3.84%
Sales Q2Q%-21.28%

3.2 Future

  • Based on estimates for the next years, EIG will show a very strong growth in Earnings Per Share. The EPS will grow by 59.77% on average per year.
  • EIG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.07% yearly.
EPS Next Y133.35%
EPS Next 2Y59.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.03%
Revenue Next 2Y-1.07%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
EIG Yearly Revenue VS EstimatesEIG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
EIG Yearly EPS VS EstimatesEIG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 45.71, which means the current valuation is very expensive for EIG.
  • EIG's Price/Earnings ratio is a bit more expensive when compared to the industry. EIG is more expensive than 78.67% of the companies in the same industry.
  • EIG is valuated expensively when we compare the Price/Earnings ratio to 27.05, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 19.59, which indicates a rather expensive current valuation of EIG.
  • 72.00% of the companies in the same industry are cheaper than EIG, based on the Price/Forward Earnings ratio.
  • EIG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 45.71
Fwd PE 19.59
EIG Price Earnings VS Forward Price EarningsEIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 62.00% of the companies in the same industry are more expensive than EIG, based on the Enterprise Value to EBITDA ratio.
  • 61.33% of the companies in the same industry are cheaper than EIG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.51
EV/EBITDA 8.38
EIG Per share dataEIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • EIG's earnings are expected to grow with 59.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y59.77%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • EIG has a Yearly Dividend Yield of 3.18%. Purely for dividend investing, there may be better candidates out there.
  • EIG's Dividend Yield is a higher than the industry average which is at 2.63.
  • Compared to an average S&P500 Dividend Yield of 1.80, EIG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.18%

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
EIG Yearly Dividends per shareEIG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • EIG pays out 48.48% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • EIG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.48%
EPS Next 2Y59.77%
EPS Next 3YN/A
EIG Yearly Income VS Free CF VS DividendEIG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
EIG Dividend Payout.EIG Dividend Payout, showing the Payout Ratio.EIG Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

EMPLOYERS HOLDINGS INC

NYSE:EIG (2/25/2026, 8:06:57 PM)

Premarket: 41.01 -0.59 (-1.42%)

41.6

+1.4 (+3.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)04-29
Inst Owners86.2%
Inst Owner Change-11.65%
Ins Owners1.05%
Ins Owner Change0.39%
Market Cap935.17M
Revenue(TTM)858.70M
Net Income(TTM)62.50M
Analysts74.29
Price Target45.39 (9.11%)
Short Float %4.17%
Short Ratio3.2
Dividend
Industry RankSector Rank
Dividend Yield 3.18%
Yearly Dividend1.21
Dividend Growth(5Y)6.16%
DP48.48%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-04
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-167.29%
Min EPS beat(2)-282.74%
Max EPS beat(2)-51.85%
EPS beat(4)2
Avg EPS beat(4)-78.49%
Min EPS beat(4)-282.74%
Max EPS beat(4)15.7%
EPS beat(8)5
Avg EPS beat(8)-36.01%
EPS beat(12)8
Avg EPS beat(12)-18.34%
EPS beat(16)11
Avg EPS beat(16)-9.57%
Revenue beat(2)2
Avg Revenue beat(2)10.84%
Min Revenue beat(2)9.39%
Max Revenue beat(2)12.29%
Revenue beat(4)2
Avg Revenue beat(4)2.67%
Min Revenue beat(4)-7.94%
Max Revenue beat(4)12.29%
Revenue beat(8)4
Avg Revenue beat(8)0.71%
Revenue beat(12)6
Avg Revenue beat(12)0.91%
Revenue beat(16)8
Avg Revenue beat(16)0.59%
PT rev (1m)10.11%
PT rev (3m)6.52%
EPS NQ rev (1m)-0.73%
EPS NQ rev (3m)-6.73%
EPS NY rev (1m)-2.68%
EPS NY rev (3m)-71.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.1%
Valuation
Industry RankSector Rank
PE 45.71
Fwd PE 19.59
P/S 1.03
P/FCF 17.51
P/OCF 16.38
P/B 0.9
P/tB 0.95
EV/EBITDA 8.38
EPS(TTM)0.91
EY2.19%
EPS(NY)2.12
Fwd EY5.1%
FCF(TTM)2.38
FCFY5.71%
OCF(TTM)2.54
OCFY6.11%
SpS40.25
BVpS46.23
TBVpS44.01
PEG (NY)0.34
PEG (5Y)N/A
Graham Number30.77
Profitability
Industry RankSector Rank
ROA 1.77%
ROE 6.01%
ROCE 2.26%
ROIC 1.93%
ROICexc 2.03%
ROICexgc 2.41%
OM 8.59%
PM (TTM) 6.91%
GM N/A
FCFM 5.9%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-42.45%
OM growth 5Y-40.26%
PM growth 3Y-42.98%
PM growth 5Y-40.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 26.43%
Cap/Sales 0.41%
Interest Coverage 250
Cash Conversion 62.27%
Profit Quality 85.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.69%
ROIC/WACC0.22
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-75.6%
EPS 3Y-32.28%
EPS 5Y-21.94%
EPS Q2Q%-42.61%
EPS Next Y133.35%
EPS Next 2Y59.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.5%
Revenue growth 3Y6.37%
Revenue growth 5Y3.84%
Sales Q2Q%-21.28%
Revenue Next Year-3.03%
Revenue Next 2Y-1.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-54.48%
EBIT growth 3Y-38.79%
EBIT growth 5Y-37.97%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-37.18%
OCF growth 3YN/A
OCF growth 5YN/A

EMPLOYERS HOLDINGS INC / EIG FAQ

Can you provide the ChartMill fundamental rating for EMPLOYERS HOLDINGS INC?

ChartMill assigns a fundamental rating of 4 / 10 to EIG.


Can you provide the valuation status for EMPLOYERS HOLDINGS INC?

ChartMill assigns a valuation rating of 3 / 10 to EMPLOYERS HOLDINGS INC (EIG). This can be considered as Overvalued.


What is the profitability of EIG stock?

EMPLOYERS HOLDINGS INC (EIG) has a profitability rating of 3 / 10.


What is the financial health of EMPLOYERS HOLDINGS INC (EIG) stock?

The financial health rating of EMPLOYERS HOLDINGS INC (EIG) is 4 / 10.


Is the dividend of EMPLOYERS HOLDINGS INC sustainable?

The dividend rating of EMPLOYERS HOLDINGS INC (EIG) is 6 / 10 and the dividend payout ratio is 48.48%.