EMPLOYERS HOLDINGS INC (EIG) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:EIG • US2922181043

45.46 USD
-0.2 (-0.44%)
At close: Feb 6, 2026
45.46 USD
0 (0%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

EIG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. While EIG seems to be doing ok healthwise, there are quite some concerns on its profitability. EIG is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year EIG was profitable.
  • EIG had a positive operating cash flow in the past year.
  • EIG had positive earnings in each of the past 5 years.
  • EIG had a positive operating cash flow in each 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 50M 100M 150M

1.2 Ratios

  • EIG has a Return On Assets of 1.77%. This is comparable to the rest of the industry: EIG outperforms 48.99% of its industry peers.
  • EIG has a worse Return On Equity (6.01%) than 71.81% of its industry peers.
  • With a Return On Invested Capital value of 1.81%, EIG perfoms like the industry average, outperforming 45.64% of the companies in the same industry.
  • EIG had an Average Return On Invested Capital over the past 3 years of 2.84%. This is significantly below the industry average of 14.88%.
Industry RankSector Rank
ROA 1.77%
ROE 6.01%
ROIC 1.81%
ROA(3y)2.66%
ROA(5y)2.84%
ROE(3y)9.29%
ROE(5y)9.52%
ROIC(3y)2.84%
ROIC(5y)2.96%
EIG Yearly ROA, ROE, ROICEIG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • EIG has a Profit Margin (6.91%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of EIG has declined.
  • EIG has a Operating Margin of 8.59%. This is in the lower half of the industry: EIG underperforms 64.43% of its industry peers.
  • EIG's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 8.59%
PM (TTM) 6.91%
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
EIG Yearly Profit, Operating, Gross MarginsEIG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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5

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.
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

  • 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.2
WACC8.87%
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

2

3. Growth

3.1 Past

  • EIG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -64.82%.
  • 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.
  • The Revenue has been growing slightly by 1.69% in the past year.
  • The Revenue has been growing slightly by 1.05% on average over the past years.
EPS 1Y (TTM)-64.82%
EPS 3Y15.99%
EPS 5Y3.11%
EPS Q2Q%-235.8%
Revenue 1Y (TTM)1.69%
Revenue growth 3Y7.8%
Revenue growth 5Y1.05%
Sales Q2Q%12.29%

3.2 Future

  • The Earnings Per Share is expected to decrease by -14.60% 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 0.00% yearly.
EPS Next Y-79.99%
EPS Next 2Y-24.55%
EPS Next 3Y-14.6%
EPS Next 5YN/A
Revenue Next Year2.19%
Revenue Next 2Y-0.45%
Revenue Next 3Y0%
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 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

1

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 32.47, EIG can be considered very expensive at the moment.
  • EIG's Price/Earnings ratio is a bit more expensive when compared to the industry. EIG is more expensive than 75.84% of the companies in the same industry.
  • EIG's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.93.
  • The Price/Forward Earnings ratio is 21.41, which indicates a rather expensive current valuation of EIG.
  • EIG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. EIG is more expensive than 72.48% of the companies in the same industry.
  • EIG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.77.
Industry RankSector Rank
PE 32.47
Fwd PE 21.41
EIG Price Earnings VS Forward Price EarningsEIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • EIG's Enterprise Value to EBITDA is on the same level as the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of EIG indicates a slightly more expensive valuation: EIG is more expensive than 61.07% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.14
EV/EBITDA 9.33
EIG Per share dataEIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • EIG's earnings are expected to decrease with -14.60% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)10.43
EPS Next 2Y-24.55%
EPS Next 3Y-14.6%

More info and screens

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

5

5. Dividend

5.1 Amount

  • EIG has a Yearly Dividend Yield of 2.80%.
  • EIG's Dividend Yield is a higher than the industry average which is at 2.28.
  • Compared to an average S&P500 Dividend Yield of 1.81, EIG pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.8%

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

5.3 Sustainability

  • 48.48% of the earnings are spent on dividend by EIG. This is a bit on the high side, but may be sustainable.
DP48.48%
EPS Next 2Y-24.55%
EPS Next 3Y-14.6%
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 50M 100M 150M
EIG Dividend Payout.EIG Dividend Payout, showing the Payout Ratio.EIG Dividend Payout.PayoutRetained Earnings

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EMPLOYERS HOLDINGS INC

NYSE:EIG (2/6/2026, 8:04:00 PM)

After market: 45.46 0 (0%)

45.46

-0.2 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30
Earnings (Next)02-19
Inst Owners86.2%
Inst Owner Change-7.85%
Ins Owners1.05%
Ins Owner Change0.39%
Market Cap1.02B
Revenue(TTM)904.80M
Net Income(TTM)62.50M
Analysts74.29
Price Target49.98 (9.94%)
Short Float %3.83%
Short Ratio2.86
Dividend
Industry RankSector Rank
Dividend Yield 2.8%
Yearly Dividend1.21
Dividend Growth(5Y)6.16%
DP48.48%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)-5.25%
EPS NQ rev (3m)-6.73%
EPS NY rev (1m)-5.66%
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 32.47
Fwd PE 21.41
P/S 1.13
P/FCF 19.14
P/OCF 17.9
P/B 0.98
P/tB 1.03
EV/EBITDA 9.33
EPS(TTM)1.4
EY3.08%
EPS(NY)2.12
Fwd EY4.67%
FCF(TTM)2.38
FCFY5.23%
OCF(TTM)2.54
OCFY5.59%
SpS40.25
BVpS46.23
TBVpS44.01
PEG (NY)N/A
PEG (5Y)10.43
Graham Number38.16
Profitability
Industry RankSector Rank
ROA 1.77%
ROE 6.01%
ROCE 2.26%
ROIC 1.81%
ROICexc 1.9%
ROICexgc 2.26%
OM 8.59%
PM (TTM) 6.91%
GM N/A
FCFM 5.9%
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%
ROICexgc growth 3Y1.31%
ROICexgc 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 Turnover0.26
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
WACC8.87%
ROIC/WACC0.2
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)-64.82%
EPS 3Y15.99%
EPS 5Y3.11%
EPS Q2Q%-235.8%
EPS Next Y-79.99%
EPS Next 2Y-24.55%
EPS Next 3Y-14.6%
EPS Next 5YN/A
Revenue 1Y (TTM)1.69%
Revenue growth 3Y7.8%
Revenue growth 5Y1.05%
Sales Q2Q%12.29%
Revenue Next Year2.19%
Revenue Next 2Y-0.45%
Revenue Next 3Y0%
Revenue Next 5YN/A
EBIT growth 1Y-54.48%
EBIT growth 3Y-0.16%
EBIT growth 5Y-5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2.3%
FCF growth 3Y114.94%
FCF growth 5Y-8.42%
OCF growth 1Y5.55%
OCF growth 3Y91.97%
OCF growth 5Y-9.1%

EMPLOYERS HOLDINGS INC / EIG FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to EIG.


Can you provide the valuation status for EMPLOYERS HOLDINGS INC?

ChartMill assigns a valuation rating of 1 / 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 5 / 10.


Is the dividend of EMPLOYERS HOLDINGS INC sustainable?

The dividend rating of EMPLOYERS HOLDINGS INC (EIG) is 5 / 10 and the dividend payout ratio is 48.48%.