EMPLOYERS HOLDINGS INC (EIG) Fundamental Analysis & Valuation

NYSE:EIG • US2922181043

Current stock price

41.92 USD
-0.2 (-0.47%)
At close:
41.92 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

  • EIG had positive earnings in the past year.
  • 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 2025 50M 100M 150M

1.2 Ratios

  • EIG has a worse Return On Assets (0.31%) than 77.55% of its industry peers.
  • EIG has a Return On Equity of 1.13%. This is amonst the worse of the industry: EIG underperforms 83.67% of its industry peers.
  • EIG's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. EIG is outperformed by 72.11% of its industry peers.
  • EIG had an Average Return On Invested Capital over the past 3 years of 2.68%. This is significantly below the industry average of 9.60%.
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 has a worse Profit Margin (1.26%) than 83.67% of its industry peers.
  • In the last couple of years the Profit Margin of EIG has declined.
  • EIG's Operating Margin of 1.60% is on the low side compared to the rest of the industry. EIG is outperformed by 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EIG is destroying value.
  • The number of shares outstanding for EIG has been reduced compared to 1 year ago.
  • The number of shares outstanding for EIG has been reduced compared to 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

  • EIG has a debt to FCF ratio of 0.82. This is a very positive value and a sign of high solvency as it would only need 0.82 years to pay back of all of its debts.
  • EIG's Debt to FCF ratio of 0.82 is fine compared to the rest of the industry. EIG outperforms 68.71% of its industry peers.
  • EIG has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • EIG's Debt to Equity ratio of 0.04 is amongst the best of the industry. EIG outperforms 83.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.82
Altman-Z N/A
ROIC/WACC0.04
WACC8.92%
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 -85.50%.
  • 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.
  • EIG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.84% yearly.
EPS 1Y (TTM)-85.5%
EPS 3Y-32.28%
EPS 5Y-21.94%
EPS Q2Q%-39.08%
Revenue 1Y (TTM)-2.5%
Revenue growth 3Y6.37%
Revenue growth 5Y3.84%
Sales Q2Q%2.47%

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

  • 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

  • With a Price/Earnings ratio of 73.54, EIG can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, EIG is valued expensively inside the industry as 85.03% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 26.64. EIG is valued rather expensively when compared to this.
  • The Price/Forward Earnings ratio is 16.60, which indicates a correct valuation of EIG.
  • Based on the Price/Forward Earnings ratio, EIG is valued a bit more expensive than 71.43% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of EIG to the average of the S&P500 Index (21.36), we can say EIG is valued slightly cheaper.
Industry RankSector Rank
PE 73.54
Fwd PE 16.6
EIG Price Earnings VS Forward Price EarningsEIG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, EIG is valued a bit more expensive than 68.03% of the companies in the same industry.
  • 68.03% of the companies in the same industry are cheaper than EIG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 19.21
EV/EBITDA 27.3
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)0.52
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 2.99%.
  • 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 1.82, EIG pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.99%

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

  • 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 (5/1/2026, 7:20:35 PM)

After market: 41.92 0 (0%)

41.92

-0.2 (-0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength36.02
Industry Growth89.44
Earnings (Last)04-29
Earnings (Next)07-28
Inst Owners88.21%
Inst Owner Change-0.26%
Ins Owners1.48%
Ins Owner Change4.08%
Market Cap816.60M
Revenue(TTM)858.70M
Net Income(TTM)10.80M
Analysts74.29
Price Target46.92 (11.93%)
Short Float %6.09%
Short Ratio4.15
Dividend
Industry RankSector Rank
Dividend Yield 2.99%
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)3.07%
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 73.54
Fwd PE 16.6
P/S 0.95
P/FCF 19.21
P/OCF 18.27
P/B 0.85
P/tB 0.9
EV/EBITDA 27.3
EPS(TTM)0.57
EY1.36%
EPS(NY)2.53
Fwd EY6.03%
FCF(TTM)2.18
FCFY5.2%
OCF(TTM)2.29
OCFY5.47%
SpS44.08
BVpS49.06
TBVpS46.5
PEG (NY)0.52
PEG (5Y)N/A
Graham Number25.0839 (-40.16%)
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
WACC8.92%
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)-85.5%
EPS 3Y-32.28%
EPS 5Y-21.94%
EPS Q2Q%-39.08%
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%2.47%
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.