EIG Fundamental Analysis - EMPLOYERS HOLDINGS INC

Fundamental Rating

EIG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. EIG has an average financial health and profitability rating. EIG does not seem to be growing, but still is valued expensively.

Quickly go to:

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.

EIG had positive earnings in each of the past 5 years.

In the past 5 years EIG always reported a positive cash flow from operatings.

1.2 Ratios

EIG's Return On Assets of 2.85% is fine compared to the rest of the industry. EIG outperforms 64.83% of its industry peers.

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

EIG has a Return On Invested Capital of 2.88%. This is in the better half of the industry: EIG outperforms 60.69% of its industry peers.

The Average Return On Invested Capital over the past 3 years for EIG is in line with the industry average of 4.40%.

The last Return On Invested Capital (2.88%) for EIG is above the 3 year average (2.84%), which is a sign of increasing profitability.

		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

EIG has a Profit Margin of 11.37%. This is in the better half of the industry: EIG outperforms 69.66% of its industry peers.

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

EIG has a Operating Margin (13.97%) which is comparable to the rest of the industry.

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

		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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

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.

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

ROIC/WACC0.33

WACC8.7%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

EIG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.03%.

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

The Revenue has been growing slightly by 2.32% in the past 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)-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

The Earnings Per Share is expected to decrease by -17.15% on average over the next years. This is quite bad

EIG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.07% yearly.

EPS Next Y-29.15%

EPS Next 2Y-12.67%

EPS Next 3Y-17.15%

EPS Next 5YN/A

Revenue Next Year-0.65%

Revenue Next 2Y0.07%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.56 indicates a correct valuation of EIG.

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

EIG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.35.

EIG is valuated correctly with a Price/Forward Earnings ratio of 14.62.

Compared to the rest of the industry, the Price/Forward Earnings ratio of EIG indicates a slightly more expensive valuation: EIG is more expensive than 62.07% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.86, EIG is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	12.56
Fwd PE	14.62

4.2 Price Multiples

EIG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EIG is cheaper than 68.28% of the companies in the same industry.

EIG's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	13.09
EV/EBITDA	6.53

4.3 Compensation for Growth

EIG's earnings are expected to decrease with -17.15% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)4.04

EPS Next 2Y-12.67%

EPS Next 3Y-17.15%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

EIG has a Yearly Dividend Yield of 3.07%. 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 3.54.

Compared to an average S&P500 Dividend Yield of 2.44, EIG pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.07%

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-12.67%

EPS Next 3Y-17.15%

More info and screens

Find the best dividend stocks

Show peers with best dividend

EMPLOYERS HOLDINGS INC

NYSE:EIG (10/13/2025, 6:40:00 PM)

After market: 41.58 0 (0%)

41.58

+0.16 (+0.39%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

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

Earnings (Next)10-30 2025-10-30/amc

Inst Owners85.75%

Inst Owner Change0.36%

Ins Owners0.96%

Ins Owner Change1.43%

Market Cap977.55M

Analysts74.29

Price Target46.92 (12.84%)

Short Float %2.16%

Short Ratio2.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.07%

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)-9.8%

PT rev (3m)-17.12%

EPS NQ rev (1m)14.73%

EPS NQ rev (3m)-18.65%

EPS NY rev (1m)4.67%

EPS NY rev (3m)-27.06%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.33%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.77%

Valuation

		Industry Rank	Sector Rank
PE	12.56
Fwd PE	14.62
P/S	1.1
P/FCF	13.09
P/OCF	12.42
P/B	0.9
P/tB	0.95
EV/EBITDA	6.53

EPS(TTM)3.31

EY7.96%

EPS(NY)2.84

Fwd EY6.84%

FCF(TTM)3.18

FCFY7.64%

OCF(TTM)3.35

OCFY8.05%

SpS37.83

BVpS46.07

TBVpS43.95

PEG (NY)N/A

PEG (5Y)4.04

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

WACC8.7%

ROIC/WACC0.33

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-29.15%

EPS Next 2Y-12.67%

EPS Next 3Y-17.15%

EPS Next 5YN/A

Revenue 1Y (TTM)2.32%

Revenue growth 3Y7.8%

Revenue growth 5Y1.05%

Sales Q2Q%13.5%

Revenue Next Year-0.65%

Revenue Next 2Y0.07%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens