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Company Analysis

Employers Holdings Inc EIG

A comprehensive view of key metrics, scores, and financial health for Employers Holdings Inc

Overview of Employers Holdings, Inc.

EIG NYQ
Financial Services Insurance - Specialty Small Cap
Employers Holdings, Inc. (EIG), is a Small Cap company, in the Insurance - Specialty industry, last closed at $42.52, about 8.3% undervalued vs fair value, -10.8% 1Y return, ranked 935/1037 in sector.
Metrics Rev Growth -2.6% ROE 1.1% Gross Margin 32.2% Div Yield 3.08%
$42.52
1.90%
As of April 28, 2026
Previous close • Vol 90d: 25.3%
52-Week Range
Market Cap
$828.40M
Enterprise Value
$-1.64B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.employers.com
HQ Reno, NV
Fiscal year Dec 31

Next Events

Earnings Apr 29 Call: Apr 30

Fair Value Snapshot

Bear Base Bull
$26
$46
$86
Current: $42.52 +8% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$858.2M
-2.6%%
Claims & Losses
$-581.8M
4.4%%
Acquisition & Admin Expenses
$-176.5M
Underwriting Result
$12.0M
-91.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
67.8%
Fair

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$72.5M
671.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
1
High Impact
1
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Employers Holdings Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
39
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
41
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing EIG's balance between Growth (33.5%), Profitability (22.3%), and Safety (44.1%). Growth 34% Safety 44% Profitability 22%

Click axes to expand details. Marker shows current allocation.

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Growth

35th percentile vs peers
36
Key Signals
Revenue CAGR 3Y 6.3% 52p Equity Growth YoY 5.4% 59p EPS Growth YoY 5.7% 44p Rev Growth YoY -2.5% 8p Asset Growth YoY -3.0% 25p
Strengths

No notable strengths identified for this axis.

Risks
  • Rev Growth YoY in bottom 20% of peers (-2.5%)

Profitability

23th percentile vs peers
24
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Employers Holdings Inc.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$46.07
- - -
+8.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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