EMPLOYERS HOLDINGS INC (EIG) Fundamental Analysis & Valuation

NYSE:EIG • US2922181043

Current stock price

41.86 USD
-0.35 (-0.83%)
At close:
41.86 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.
  • 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 2025 50M 100M 150M

1.2 Ratios

  • With a Return On Assets value of 0.31%, EIG is not doing good in the industry: 77.55% of the companies in the same industry are doing better.
  • With a Return On Equity value of 1.13%, EIG is not doing good in the industry: 84.35% of the companies in the same industry are doing better.
  • 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.
  • The Average Return On Invested Capital over the past 3 years 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

  • With a Profit Margin value of 1.26%, EIG is not doing good in the industry: 84.35% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of EIG has declined.
  • With a Operating Margin value of 1.60%, EIG is not doing good in the industry: 84.35% of the companies in the same industry are doing better.
  • 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EIG is destroying value.
  • The number of shares outstanding for EIG has been reduced compared to 1 year ago.
  • EIG has less shares outstanding than it did 5 years ago.
  • EIG has a worse debt/assets ratio than last year.
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.
  • The Debt to FCF ratio of EIG (0.82) is better than 68.71% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that EIG is not too dependend on debt financing.
  • 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
WACC8.84%
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%.
  • Measured over the past years, EIG shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -21.94% on average per year.
  • EIG shows a decrease in Revenue. In the last year, the revenue decreased by -2.50%.
  • The Revenue has been growing slightly by 3.84% on average over the past years.
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.
  • The Revenue is expected to decrease by -2.59% on average over the next years.
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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2

4. EIG Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 46.00, which means the current valuation is very expensive for EIG.
  • Based on the Price/Earnings ratio, EIG is valued expensively inside the industry as 84.35% of the companies are valued cheaper.
  • EIG is valuated expensively when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 18.98 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 73.47% of the companies in the same industry.
  • EIG is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 46
Fwd PE 18.98
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

  • EIG's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. EIG is more expensive than 68.71% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, EIG is valued a bit more expensive than the industry average as 68.03% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 19.19
EV/EBITDA 27.37
EIG Per share dataEIG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as EIG's earnings are expected to grow with 66.61% in the coming years.
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.
  • EIG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
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 paid a dividend for at least 10 years, which is 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

  • EIG pays out 276.85% of its income as dividend. 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 (4/24/2026, 8:04:00 PM)

After market: 41.86 0 (0%)

41.86

-0.35 (-0.83%)

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 Cap815.43M
Revenue(TTM)858.70M
Net Income(TTM)10.80M
Analysts74.29
Price Target46.92 (12.09%)
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 46
Fwd PE 18.98
P/S 0.95
P/FCF 19.19
P/OCF 18.24
P/B 0.85
P/tB 0.9
EV/EBITDA 27.37
EPS(TTM)0.91
EY2.17%
EPS(NY)2.21
Fwd EY5.27%
FCF(TTM)2.18
FCFY5.21%
OCF(TTM)2.29
OCFY5.48%
SpS44.08
BVpS49.06
TBVpS46.5
PEG (NY)0.32
PEG (5Y)N/A
Graham Number31.6941 (-24.29%)
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
WACC8.84%
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 2 / 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.