EMPLOYERS HOLDINGS INC (EIG) Fundamental Analysis & Valuation

NYSE:EIG • US2922181043

Current stock price

39.6 USD
+0.36 (+0.92%)
At close:
39.6 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.

3

1. EIG Profitability Analysis

1.1 Basic Checks

  • In the past year EIG was profitable.
  • EIG had a positive operating cash flow in the past year.
  • Each year in the past 5 years EIG has been profitable.
  • Of the past 5 years EIG 4 years 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 2025 50M 100M 150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.77%, EIG is in line with its industry, outperforming 47.30% of the companies in the same industry.
  • EIG has a Return On Equity of 6.01%. This is in the lower half of the industry: EIG underperforms 67.57% of its industry peers.
  • The Return On Invested Capital of EIG (1.93%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.77%
ROE 6.01%
ROIC 1.93%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • With a Profit Margin value of 6.91%, EIG perfoms like the industry average, outperforming 47.30% of the companies in the same industry.
  • EIG's Profit Margin has declined in the last couple of years.
  • EIG's Operating Margin of 8.59% is on the low side compared to the rest of the industry. EIG is outperformed by 66.89% 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-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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EIG is destroying value.
  • 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.
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

  • EIG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.22
WACC8.93%
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

3

3. EIG Growth Analysis

3.1 Past

  • The earnings per share for EIG have decreased strongly by -75.60% in the last year.
  • EIG shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -21.94% yearly.
  • The Revenue has decreased by -2.50% in the past 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

  • The Earnings Per Share is expected to grow by 69.92% on average over the next years. This is a very strong growth
  • The Revenue is expected to decrease by -2.78% on average over the next years.
EPS Next Y138.63%
EPS Next 2Y69.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.12%
Revenue Next 2Y-2.78%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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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3

4. EIG Valuation Analysis

4.1 Price/Earnings Ratio

  • EIG is valuated quite expensively with a Price/Earnings ratio of 43.52.
  • Based on the Price/Earnings ratio, EIG is valued expensively inside the industry as 81.76% of the companies are valued cheaper.
  • EIG is valuated expensively when we compare the Price/Earnings ratio to 25.96, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 18.24 indicates a rather expensive valuation of EIG.
  • EIG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. EIG is more expensive than 72.97% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, EIG is valued a bit cheaper.
Industry RankSector Rank
PE 43.52
Fwd PE 18.24
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

  • Based on the Enterprise Value to EBITDA ratio, EIG is valued a bit cheaper than 64.86% of the companies in the same industry.
  • EIG's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. EIG is more expensive than 60.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.45
EV/EBITDA 6.52
EIG Per share dataEIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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 69.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y69.92%
EPS Next 3YN/A

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

6

5. EIG Dividend Analysis

5.1 Amount

  • EIG has a Yearly Dividend Yield of 3.24%.
  • EIG's Dividend Yield is a higher than the industry average which is at 2.94.
  • EIG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.24%

5.2 History

  • On average, the dividend of EIG grows each year by 6.16%, which is quite nice.
  • EIG has been paying a dividend for at least 10 years, so it has 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 2026 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.
  • The dividend of EIG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.48%
EPS Next 2Y69.92%
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 (3/16/2026, 8:20:45 PM)

After market: 39.6 0 (0%)

39.6

+0.36 (+0.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)04-29
Inst Owners88.12%
Inst Owner Change-11.65%
Ins Owners1.34%
Ins Owner Change4.57%
Market Cap771.41M
Revenue(TTM)858.70M
Net Income(TTM)62.50M
Analysts74.29
Price Target45.39 (14.62%)
Short Float %5.24%
Short Ratio3.45
Dividend
Industry RankSector Rank
Dividend Yield 3.24%
Yearly Dividend1.21
Dividend Growth(5Y)6.16%
DP48.48%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-04
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)-9.18%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.25%
EPS NY rev (1m)2.26%
EPS NY rev (3m)1.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-4.22%
Revenue NY rev (3m)-4.22%
Valuation
Industry RankSector Rank
PE 43.52
Fwd PE 18.24
P/S 0.85
P/FCF 14.45
P/OCF 13.51
P/B 0.74
P/tB 0.78
EV/EBITDA 6.52
EPS(TTM)0.91
EY2.3%
EPS(NY)2.17
Fwd EY5.48%
FCF(TTM)2.74
FCFY6.92%
OCF(TTM)2.93
OCFY7.4%
SpS46.45
BVpS53.35
TBVpS50.79
PEG (NY)0.31
PEG (5Y)N/A
Graham Number33.05
Profitability
Industry RankSector Rank
ROA 1.77%
ROE 6.01%
ROCE 2.26%
ROIC 1.93%
ROICexc 2.03%
ROICexgc 2.41%
OM 8.59%
PM (TTM) 6.91%
GM N/A
FCFM 5.9%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
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
WACC8.93%
ROIC/WACC0.22
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-75.6%
EPS 3Y-32.28%
EPS 5Y-21.94%
EPS Q2Q%-42.61%
EPS Next Y138.63%
EPS Next 2Y69.92%
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-7.12%
Revenue Next 2Y-2.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-54.48%
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-38.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-37.18%
OCF growth 3YN/A
OCF growth 5YN/A

EMPLOYERS HOLDINGS INC / EIG Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 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.


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 4 / 10.


Is the dividend of EMPLOYERS HOLDINGS INC sustainable?

The dividend rating of EMPLOYERS HOLDINGS INC (EIG) is 6 / 10 and the dividend payout ratio is 48.48%.