EMPLOYERS HOLDINGS INC (EIG) Stock Fundamental Analysis

NYSE:EIG • US2922181043

42.45 USD
+0.29 (+0.69%)
At close: Feb 19, 2026
42.45 USD
0 (0%)
After Hours: 2/19/2026, 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. The financial health of EIG is average, but 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.
  • In the past year EIG had a positive cash flow from operations.
  • EIG had positive earnings in each of the past 5 years.
  • Each year in the past 5 years EIG had a positive operating cash flow.
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 47.65% of its industry peers.
  • EIG has a worse Return On Equity (6.01%) than 71.14% of its industry peers.
  • With a Return On Invested Capital value of 1.81%, EIG perfoms like the industry average, outperforming 44.97% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for EIG is significantly below the industry average of 15.11%.
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

  • The Profit Margin of EIG (6.91%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of EIG has declined.
  • The Operating Margin of EIG (8.59%) is worse than 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • EIG has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, EIG has less shares outstanding
  • 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/WACC0.21
WACC8.74%
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

  • The earnings per share for EIG have decreased strongly by -64.82% in the last year.
  • EIG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.11% yearly.
  • Looking at the last year, EIG shows a small growth in Revenue. The Revenue has grown by 1.69% in the last year.
  • Measured over the past years, EIG shows a small growth in Revenue. The Revenue has been growing by 1.05% on average per year.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
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 30.32, EIG can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, EIG is valued a bit more expensive than the industry average as 77.18% of the companies are valued more cheaply.
  • EIG is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.09, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 19.99, the valuation of EIG can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, EIG is valued a bit more expensive than 73.15% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of EIG to the average of the S&P500 Index (27.98), we can say EIG is valued slightly cheaper.
Industry RankSector Rank
PE 30.32
Fwd PE 19.99
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 ratio is a bit cheaper when compared to the industry. EIG is cheaper than 61.07% of the companies in the same industry.
  • 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 61.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 17.87
EV/EBITDA 8.52
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)9.74
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 2.99%. 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 2.67.
  • Compared to an average S&P500 Dividend Yield of 1.85, EIG pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.99%

5.2 History

  • On average, the dividend of EIG grows each year by 6.16%, which is quite nice.
  • EIG has paid a dividend for at least 10 years, which is a reliable track record.
  • EIG has decreased its dividend 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

  • EIG pays out 48.48% of its income as dividend. 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

More info and screens

Find the best dividend stocksShow peers with best dividend

EMPLOYERS HOLDINGS INC

NYSE:EIG (2/19/2026, 8:04:00 PM)

After market: 42.45 0 (0%)

42.45

+0.29 (+0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30
Earnings (Next)02-19
Inst Owners86.2%
Inst Owner Change-9.14%
Ins Owners1.05%
Ins Owner Change0.39%
Market Cap954.28M
Revenue(TTM)904.80M
Net Income(TTM)62.50M
Analysts74.29
Price Target49.98 (17.74%)
Short Float %4.17%
Short Ratio3.2
Dividend
Industry RankSector Rank
Dividend Yield 2.99%
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 30.32
Fwd PE 19.99
P/S 1.05
P/FCF 17.87
P/OCF 16.71
P/B 0.92
P/tB 0.96
EV/EBITDA 8.52
EPS(TTM)1.4
EY3.3%
EPS(NY)2.12
Fwd EY5%
FCF(TTM)2.38
FCFY5.6%
OCF(TTM)2.54
OCFY5.98%
SpS40.25
BVpS46.23
TBVpS44.01
PEG (NY)N/A
PEG (5Y)9.74
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
WACC8.74%
ROIC/WACC0.21
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%.