EMPLOYERS HOLDINGS INC (EIG) Fundamental Analysis & Valuation

NYSE:EIG • US2922181043

Current stock price

41.54 USD
-0.4 (-0.95%)
At close:
41.54 USD
0 (0%)
After Hours:

This EIG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. EIG Profitability Analysis

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.
  • 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 2025 50M 100M 150M

1.2 Ratios

  • EIG has a Return On Assets of 0.31%. This is in the lower half of the industry: EIG underperforms 77.55% of its industry peers.
  • EIG's Return On Equity of 1.13% is on the low side compared to the rest of the industry. EIG is outperformed by 84.35% of its industry peers.
  • EIG has a Return On Invested Capital of 0.35%. This is in the lower half of the industry: EIG underperforms 72.11% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for EIG is significantly below the industry average of 9.51%.
Industry RankSector Rank
ROA 0.31%
ROE 1.13%
ROIC 0.35%
ROA(3y)2.33%
ROA(5y)2.29%
ROE(3y)7.96%
ROE(5y)7.77%
ROIC(3y)2.68%
ROIC(5y)2.57%
EIG Yearly ROA, ROE, ROICEIG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • EIG's Profit Margin of 1.26% is on the low side compared to the rest of the industry. EIG is outperformed by 84.35% of its industry peers.
  • EIG's Profit Margin has declined in the last couple of years.
  • The Operating Margin of EIG (1.60%) is worse than 84.35% of its industry peers.
  • In the last couple of years the Operating Margin of EIG has declined.
Industry RankSector Rank
OM 1.6%
PM (TTM) 1.26%
GM N/A
OM growth 3Y-42.45%
OM growth 5Y-40.26%
PM growth 3Y-42.98%
PM growth 5Y-40.48%
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 2025 5 10 15 20

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4

2. EIG Health Analysis

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
  • The number of shares outstanding for EIG has been reduced compared to 5 years ago.
  • Compared to 1 year ago, EIG has a worse debt to assets ratio.
EIG Yearly Shares OutstandingEIG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of EIG is 0.82, which is an excellent value as it means it would take EIG, only 0.82 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.82, EIG is in the better half of the industry, outperforming 68.71% of the companies in the same industry.
  • EIG has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • EIG has a better Debt to Equity ratio (0.04) than 83.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.82
Altman-Z N/A
ROIC/WACC0.04
WACC8.8%
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 2025 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 2025 20M 40M 60M 80M 100M

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3

3. EIG Growth Analysis

3.1 Past

  • EIG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.60%.
  • EIG shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -21.94% yearly.
  • Looking at the last year, EIG shows a decrease in Revenue. The Revenue has decreased by -2.50% in the last year.
  • Measured over the past years, EIG shows a small growth in Revenue. The Revenue has been growing by 3.84% on average per year.
EPS 1Y (TTM)-75.6%
EPS 3Y-32.28%
EPS 5Y-21.94%
EPS Q2Q%-42.61%
Revenue 1Y (TTM)-2.5%
Revenue growth 3Y6.37%
Revenue growth 5Y3.84%
Sales Q2Q%-21.28%

3.2 Future

  • Based on estimates for the next years, EIG will show a very strong growth in Earnings Per Share. The EPS will grow by 66.61% on average per year.
  • EIG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.59% yearly.
EPS Next Y142.33%
EPS Next 2Y66.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-6.29%
Revenue Next 2Y-2.59%
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 accelerating.
  • 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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3

4. EIG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 45.65 indicates a quite expensive valuation of EIG.
  • EIG's Price/Earnings ratio is rather expensive when compared to the industry. EIG is more expensive than 84.35% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of EIG to the average of the S&P500 Index (27.79), we can say EIG is valued expensively.
  • A Price/Forward Earnings ratio of 18.84 indicates a rather expensive valuation of EIG.
  • 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 72.11% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of EIG to the average of the S&P500 Index (38.88), we can say EIG is valued rather cheaply.
Industry RankSector Rank
PE 45.65
Fwd PE 18.84
EIG Price Earnings VS Forward Price EarningsEIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 68.71% of the companies in the same industry are cheaper than EIG, based on the Enterprise Value to EBITDA ratio.
  • 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 68.03% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 19.04
EV/EBITDA 27.16
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • EIG's earnings are expected to grow with 66.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y66.61%
EPS Next 3YN/A

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5

5. EIG Dividend Analysis

5.1 Amount

  • EIG has a Yearly Dividend Yield of 3.06%. 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 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.81, EIG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.06%

5.2 History

  • The dividend of EIG has a limited annual growth rate of 5.34%.
  • EIG has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)5.34%
Div Incr Years0
Div Non Decr Years0
EIG Yearly Dividends per shareEIG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 276.85% of the earnings are spent on dividend by EIG. This is not a sustainable payout ratio.
  • The dividend of EIG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP276.85%
EPS Next 2Y66.61%
EPS Next 3YN/A
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 2025 50M 100M 150M
EIG Dividend Payout.EIG Dividend Payout, showing the Payout Ratio.EIG Dividend Payout.PayoutRetained Earnings

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EIG Fundamentals: All Metrics, Ratios and Statistics

EMPLOYERS HOLDINGS INC

NYSE:EIG (4/22/2026, 8:04:00 PM)

After market: 41.54 0 (0%)

41.54

-0.4 (-0.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)04-29
Inst Owners88.21%
Inst Owner Change-0.27%
Ins Owners1.48%
Ins Owner Change4.08%
Market Cap809.20M
Revenue(TTM)858.70M
Net Income(TTM)10.80M
Analysts74.29
Price Target46.92 (12.95%)
Short Float %6.85%
Short Ratio4.64
Dividend
Industry RankSector Rank
Dividend Yield 3.06%
Yearly Dividend1.33
Dividend Growth(5Y)5.34%
DP276.85%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-04
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-125.89%
Min EPS beat(2)-282.74%
Max EPS beat(2)30.96%
EPS beat(4)2
Avg EPS beat(4)-71.98%
Min EPS beat(4)-282.74%
Max EPS beat(4)30.96%
EPS beat(8)5
Avg EPS beat(8)-35.74%
EPS beat(12)8
Avg EPS beat(12)-19.75%
EPS beat(16)11
Avg EPS beat(16)-11.48%
Revenue beat(2)1
Avg Revenue beat(2)-6.32%
Min Revenue beat(2)-22.02%
Max Revenue beat(2)9.39%
Revenue beat(4)2
Avg Revenue beat(4)-2.07%
Min Revenue beat(4)-22.02%
Max Revenue beat(4)12.29%
Revenue beat(8)3
Avg Revenue beat(8)-2.51%
Revenue beat(12)5
Avg Revenue beat(12)-1.88%
Revenue beat(16)7
Avg Revenue beat(16)-2.12%
PT rev (1m)3.37%
PT rev (3m)3.37%
EPS NQ rev (1m)7.25%
EPS NQ rev (3m)15.21%
EPS NY rev (1m)1.55%
EPS NY rev (3m)3.17%
Revenue NQ rev (1m)0.5%
Revenue NQ rev (3m)-2.01%
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)-3.36%
Valuation
Industry RankSector Rank
PE 45.65
Fwd PE 18.84
P/S 0.94
P/FCF 19.04
P/OCF 18.1
P/B 0.85
P/tB 0.89
EV/EBITDA 27.16
EPS(TTM)0.91
EY2.19%
EPS(NY)2.21
Fwd EY5.31%
FCF(TTM)2.18
FCFY5.25%
OCF(TTM)2.29
OCFY5.52%
SpS44.08
BVpS49.06
TBVpS46.5
PEG (NY)0.32
PEG (5Y)N/A
Graham Number31.6941 (-23.7%)
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 1.13%
ROCE 0.41%
ROIC 0.35%
ROICexc 0.37%
ROICexgc 0.44%
OM 1.6%
PM (TTM) 1.26%
GM N/A
FCFM 4.95%
ROA(3y)2.33%
ROA(5y)2.29%
ROE(3y)7.96%
ROE(5y)7.77%
ROIC(3y)2.68%
ROIC(5y)2.57%
ROICexc(3y)2.8%
ROICexc(5y)2.66%
ROICexgc(3y)3.37%
ROICexgc(5y)3.22%
ROCE(3y)3.13%
ROCE(5y)3.01%
ROICexgc growth 3Y-37.13%
ROICexgc growth 5Y-36.65%
ROICexc growth 3Y-36.7%
ROICexc growth 5Y-36.18%
OM growth 3Y-42.45%
OM growth 5Y-40.26%
PM growth 3Y-42.98%
PM growth 5Y-40.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.82
Debt/EBITDA 1.41
Cap/Depr 19.64%
Cap/Sales 0.26%
Interest Coverage 27.4
Cash Conversion 179.52%
Profit Quality 393.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.8%
ROIC/WACC0.04
Cap/Depr(3y)19.74%
Cap/Depr(5y)17.57%
Cap/Sales(3y)0.36%
Cap/Sales(5y)0.39%
Profit Quality(3y)164.59%
Profit Quality(5y)140.13%
High Growth Momentum
Growth
EPS 1Y (TTM)-75.6%
EPS 3Y-32.28%
EPS 5Y-21.94%
EPS Q2Q%-42.61%
EPS Next Y142.33%
EPS Next 2Y66.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.5%
Revenue growth 3Y6.37%
Revenue growth 5Y3.84%
Sales Q2Q%-21.28%
Revenue Next Year-6.29%
Revenue Next 2Y-2.59%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-90.65%
EBIT growth 3Y-38.79%
EBIT growth 5Y-37.97%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.56%
FCF growth 3Y-24.1%
FCF growth 5Y8.86%
OCF growth 1Y-41.49%
OCF growth 3Y-23.49%
OCF growth 5Y6.07%

EMPLOYERS HOLDINGS INC / EIG Fundamental Analysis 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 3 / 10 to EMPLOYERS HOLDINGS INC (EIG). This can be considered as Overvalued.


How profitable is EMPLOYERS HOLDINGS INC (EIG) stock?

EMPLOYERS HOLDINGS INC (EIG) has a profitability rating of 2 / 10.


Can you provide the financial health for EIG stock?

The financial health rating of EMPLOYERS HOLDINGS INC (EIG) is 4 / 10.


What is the earnings growth outlook for EMPLOYERS HOLDINGS INC?

The Earnings per Share (EPS) of EMPLOYERS HOLDINGS INC (EIG) is expected to grow by 142.33% in the next year.