EIG Fundamental Analysis - EMPLOYERS HOLDINGS INC

Fundamental Rating

Taking everything into account, EIG scores 4 out of 10 in our fundamental rating. EIG was compared to 144 industry peers in the Insurance industry. EIG has an average financial health and profitability rating. EIG is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year EIG was profitable.

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

Each year in the past 5 years EIG has been profitable.

Each year in the past 5 years EIG had a positive operating cash flow.

1.2 Ratios

The Return On Assets of EIG (2.90%) is better than 66.67% of its industry peers.

EIG has a Return On Equity (9.58%) which is in line with its industry peers.

The Return On Invested Capital of EIG (2.94%) is better than 63.19% 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 4.07%.

The last Return On Invested Capital (2.94%) for EIG is above the 3 year average (2.84%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	2.9%
ROE	9.58%
ROIC	2.94%

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 11.99%, EIG is doing good in the industry, outperforming 71.53% of the companies in the same industry.

In the last couple of years the Profit Margin of EIG has declined.

Looking at the Operating Margin, with a value of 14.80%, EIG is in the better half of the industry, outperforming 70.14% of the companies in the same industry.

In the last couple of years the Operating Margin of EIG has declined.

		Industry Rank	Sector Rank
OM	14.8%
PM (TTM)	11.99%
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

EIG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.

Compared to 1 year ago, EIG has less shares outstanding

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/WACC0.31

WACC9.48%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

EIG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.26%.

Measured over the past 5 years, EIG shows a small growth in Earnings Per Share. The EPS has been growing by 3.11% on average per year.

Looking at the last year, EIG shows a decrease in Revenue. The Revenue has decreased by -0.84% in the last year.

EIG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.05% yearly.

EPS 1Y (TTM)0.26%

EPS 3Y15.99%

EPS 5Y3.11%

EPS Q2Q%29.85%

Revenue 1Y (TTM)-0.84%

Revenue growth 3Y7.8%

Revenue growth 5Y1.05%

Sales Q2Q%-9.19%

3.2 Future

The Earnings Per Share is expected to decrease by -3.70% on average over the next years.

EIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.85% yearly.

EPS Next Y-2.86%

EPS Next 2Y-3.7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-3.66%

Revenue Next 2Y0.85%

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.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.91, which indicates a very decent valuation of EIG.

EIG's Price/Earnings is on the same level as the industry average.

EIG is valuated cheaply when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 13.53, which indicates a correct valuation of EIG.

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

Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, EIG is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	11.91
Fwd PE	13.53

4.2 Price Multiples

EIG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EIG is cheaper than 66.67% 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	13.03
EV/EBITDA	7.13

4.3 Compensation for Growth

EIG's earnings are expected to decrease with -3.70% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)3.83

EPS Next 2Y-3.7%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.75%, EIG has a reasonable but not impressive dividend return.

EIG's Dividend Yield is a higher than the industry average which is at 3.51.

Compared to an average S&P500 Dividend Yield of 2.42, EIG has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.75%

5.2 History

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

EIG has paid a dividend for at least 10 years, which is a reliable track record.

The dividend of EIG decreased recently.

Dividend Growth(5Y)6.16%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

29.10% of the earnings are spent on dividend by EIG. This is a low number and sustainable payout ratio.

DP29.1%

EPS Next 2Y-3.7%

EPS Next 3YN/A

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EMPLOYERS HOLDINGS INC

NYSE:EIG (7/2/2025, 8:04:00 PM)

After market: 46.79 0 (0%)

46.79

-0.73 (-1.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)05-01 2025-05-01/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners85.58%

Inst Owner Change7.51%

Ins Owners1.15%

Ins Owner Change3.89%

Market Cap1.12B

Analysts72.5

Price Target56.61 (20.99%)

Short Float %1.89%

Short Ratio2.68

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.75%

Yearly Dividend1.21

Dividend Growth(5Y)6.16%

DP29.1%

Div Incr Years1

Div Non Decr Years1

Ex-Date05-14 2025-05-14 (0.32)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.32%

Min EPS beat(2)4.94%

Max EPS beat(2)15.7%

EPS beat(4)4

Avg EPS beat(4)5.93%

Min EPS beat(4)0.4%

Max EPS beat(4)15.7%

EPS beat(8)6

Avg EPS beat(8)8.1%

EPS beat(12)10

Avg EPS beat(12)13.29%

EPS beat(16)11

Avg EPS beat(16)7.8%

Revenue beat(2)0

Avg Revenue beat(2)-5.49%

Min Revenue beat(2)-7.94%

Max Revenue beat(2)-3.04%

Revenue beat(4)0

Avg Revenue beat(4)-5.32%

Min Revenue beat(4)-7.94%

Max Revenue beat(4)-3.04%

Revenue beat(8)3

Avg Revenue beat(8)-2.63%

Revenue beat(12)5

Avg Revenue beat(12)-2.02%

Revenue beat(16)8

Avg Revenue beat(16)0.13%

PT rev (1m)0%

PT rev (3m)-2.63%

EPS NQ rev (1m)-2.58%

EPS NQ rev (3m)-7.67%

EPS NY rev (1m)-1.26%

EPS NY rev (3m)-4.77%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.02%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-3.76%

Valuation

		Industry Rank	Sector Rank
PE	11.91
Fwd PE	13.53
P/S	1.31
P/FCF	13.03
P/OCF	12.44
P/B	1.05
P/tB	1.1
EV/EBITDA	7.13

EPS(TTM)3.93

EY8.4%

EPS(NY)3.46

Fwd EY7.39%

FCF(TTM)3.59

FCFY7.67%

OCF(TTM)3.76

OCFY8.04%

SpS35.78

BVpS44.75

TBVpS42.67

PEG (NY)N/A

PEG (5Y)3.83

Profitability

		Industry Rank	Sector Rank
ROA	2.9%
ROE	9.58%
ROCE	3.67%
ROIC	2.94%
ROICexc	3.03%
ROICexgc	3.6%
OM	14.8%
PM (TTM)	11.99%
GM	N/A
FCFM	10.03%

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-Score5

Asset Turnover0.24

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	0
Cap/Depr	25.15%
Cap/Sales	0.48%
Interest Coverage	250
Cash Conversion	62.95%
Profit Quality	83.71%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC9.48%

ROIC/WACC0.31

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)0.26%

EPS 3Y15.99%

EPS 5Y3.11%

EPS Q2Q%29.85%

EPS Next Y-2.86%

EPS Next 2Y-3.7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.84%

Revenue growth 3Y7.8%

Revenue growth 5Y1.05%

Sales Q2Q%-9.19%

Revenue Next Year-3.66%

Revenue Next 2Y0.85%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-24%

EBIT growth 3Y-0.16%

EBIT growth 5Y-5.46%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y1.53%

FCF growth 3Y114.94%

FCF growth 5Y-8.42%

OCF growth 1Y3.55%

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

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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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