EMPLOYERS HOLDINGS INC (EIG) Stock Fundamental Analysis
NYSE:EIG • US2922181043
41.76 USD
+0.41 (+0.99%)
Last: Mar 2, 2026, 03:44 PM
We assign a fundamental rating of 4 out of 10 to EIG. EIG was compared to 149 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.
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.
- EIG had positive earnings in each of the past 5 years.
- EIG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of EIG (1.77%) is comparable to the rest of the 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 66.44% of its industry peers.
- EIG's Return On Invested Capital of 1.93% is in line compared to the rest of the industry. EIG outperforms 45.64% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- EIG has a Profit Margin (6.91%) which is in line with its industry peers.
- EIG's Profit Margin has declined in the last couple of years.
- EIG has a worse Operating Margin (8.59%) than 65.10% of its industry peers.
- EIG's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- EIG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- There is no outstanding debt for EIG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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/WACC0.22
WACC8.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for EIG have decreased strongly by -75.60% in the last year.
- EIG shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -21.94% yearly.
- EIG shows a decrease in Revenue. In the last year, the revenue decreased by -2.50%.
- 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
- The Earnings Per Share is expected to grow by 59.77% on average over the next years. This is a very strong growth
- 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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 45.89, EIG can be considered very expensive at the moment.
- 79.87% of the companies in the same industry are cheaper than EIG, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of EIG to the average of the S&P500 Index (27.07), we can say EIG is valued expensively.
- With a Price/Forward Earnings ratio of 19.67, EIG is valued on the expensive side.
- 73.15% of the companies in the same industry are cheaper than EIG, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, EIG is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 45.89 | ||
| Fwd PE | 19.67 |
4.2 Price Multiples
- 63.09% of the companies in the same industry are more expensive than EIG, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, EIG is valued a bit more expensive than 61.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.58 | ||
| EV/EBITDA | 8.32 |
4.3 Compensation for Growth
- EIG's 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
5. Dividend
5.1 Amount
- EIG has a Yearly Dividend Yield of 3.10%. 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 2.46.
- EIG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
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 48.48% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of EIG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.48%
EPS Next 2Y59.77%
EPS Next 3YN/A
NYSE:EIG (3/2/2026, 3:44:06 PM)
41.76
+0.41 (+0.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19 2026-02-19/amc
Earnings (Next)04-29 2026-04-29
Inst Owners86.2%
Inst Owner Change-11.65%
Ins Owners1.05%
Ins Owner Change2.16%
Market Cap938.76M
Revenue(TTM)858.70M
Net Income(TTM)62.50M
Analysts74.29
Price Target45.39 (8.69%)
Short Float %4.17%
Short Ratio3.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.1% |
Yearly Dividend1.21
Dividend Growth(5Y)6.16%
DP48.48%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-04 2026-03-04 (0.32)
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)0%
PT rev (3m)-3.26%
EPS NQ rev (1m)-0.73%
EPS NQ rev (3m)-5.25%
EPS NY rev (1m)-0.75%
EPS NY rev (3m)-17.55%
Revenue NQ rev (1m)-0.4%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 45.89 | ||
| Fwd PE | 19.67 | ||
| P/S | 1.04 | ||
| P/FCF | 17.58 | ||
| P/OCF | 16.44 | ||
| P/B | 0.9 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | 8.32 |
EPS(TTM)0.91
EY2.18%
EPS(NY)2.12
Fwd EY5.09%
FCF(TTM)2.38
FCFY5.69%
OCF(TTM)2.54
OCFY6.08%
SpS40.25
BVpS46.23
TBVpS44.01
PEG (NY)0.34
PEG (5Y)N/A
Graham Number30.77
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.62%
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%.