(EIG) Employers Holdings - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US2922181043
Stock: Workers Compensation Insurance, Small Business Coverage
Total Rating 39
Risk 88
Buy Signal -0.46
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.84% |
| Yield on Cost 5y | 4.79% |
| Yield CAGR 5y | 5.95% |
| Payout Consistency | 94.7% |
| Payout Ratio | 5.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 20.6% |
| Relative Tail Risk | 1.35% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.31 |
| Alpha | -13.91 |
| Character TTM | |
|---|---|
| Beta | 0.340 |
| Beta Downside | 0.383 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.29% |
| CAGR/Max DD | 0.15 |
Description: EIG Employers Holdings January 18, 2026
Employers Holdings, Inc. (NYSE:EIG) is a U.S.–based property-and-casualty insurer that underwrites workers’ compensation policies primarily for small-business clients in low- to medium-hazard industries. Founded in 2000 and headquartered in Reno, Nevada, the firm distributes its products through a mix of local, regional, specialty, and national insurance agents and brokers, as well as through trade associations and direct-to-consumer channels.
Recent filings show that EIG generated $1.3 billion in written premiums for 2023, with a combined ratio of roughly 96%-indicating modest underwriting profitability. The company’s return on equity (ROE) hovered near 8% and its loss ratio improved to 70% year-over-year, reflecting tighter claims management. Key economic drivers include U.S. labor-market strength (which raises payroll exposure) and inflationary pressure on medical and indemnity costs, while sector dynamics are shaped by state-level rate-approval cycles and evolving workers-comp regulatory reforms.
For a deeper quantitative dive, ValueRay’s platform offers granular, real-time metrics on EIG’s loss ratios and capital efficiency.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 62.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.89 > 1.0 |
| NWC/Revenue: 314.9% < 20% (prev 12.22%; Δ 302.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 71.7m > Net Income 62.5m |
| Net Debt (-162.7m) to EBITDA (77.5m): -2.10 < 3 |
| Current Ratio: 46.88 > 1.5 & < 3 |
| Outstanding Shares: last quarter (24.1m) vs 12m ago -3.39% < -2% |
| Gross Margin: 27.59% > 18% (prev 0.39%; Δ 2719 % > 0.5%) |
| Asset Turnover: 25.33% > 50% (prev 24.60%; Δ 0.73% > 0%) |
| Interest Coverage Ratio: 191.5 > 6 (EBITDA TTM 77.5m / Interest Expense TTM 400.0k) |
Altman Z'' 7.43
| A: 0.81 (Total Current Assets 2.91b - Total Current Liabilities 62.1m) / Total Assets 3.53b |
| B: 0.42 (Retained Earnings 1.48b / Total Assets 3.53b) |
| C: 0.02 (EBIT TTM 76.6m / Avg Total Assets 3.57b) |
| D: 0.58 (Book Value of Equity 1.45b / Total Liabilities 2.49b) |
| Altman-Z'' Score: 7.43 = AAA |
Beneish M -3.17
| DSRI: 0.94 (Receivables 762.3m/797.6m, Revenue 904.8m/889.8m) |
| GMI: 1.43 (GM 27.59% / 39.36%) |
| AQI: 0.18 (AQ_t 0.17 / AQ_t-1 0.95) |
| SGI: 1.02 (Revenue 904.8m / 889.8m) |
| TATA: -0.00 (NI 62.5m - CFO 71.7m) / TA 3.53b) |
| Beneish M-Score: -3.17 (Cap -4..+1) = AA |
What is the price of EIG shares?
As of February 07, 2026, the stock is trading at USD 45.46 with a total of 130,161 shares traded.
Over the past week, the price has changed by +4.22%, over one month by +5.67%, over three months by +19.78% and over the past year by -6.37%.
Over the past week, the price has changed by +4.22%, over one month by +5.67%, over three months by +19.78% and over the past year by -6.37%.
Is EIG a buy, sell or hold?
Employers Holdings has received a consensus analysts rating of 3.67.
Therefor, it is recommend to hold EIG.
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the EIG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 49 | 7.8% |
| Analysts Target Price | 49 | 7.8% |
| ValueRay Target Price | 47.7 | 5% |
EIG Fundamental Data Overview February 05, 2026
P/E Trailing = 17.5234
P/E Forward = 13.6054
P/S = 1.1657
P/B = 0.9698
P/EG = 2.05
Revenue TTM = 904.8m USD
EBIT TTM = 76.6m USD
EBITDA TTM = 77.5m USD
Long Term Debt = 4.10m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 1.60m USD (from shortTermDebt, last fiscal year)
Debt = 4.10m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -162.7m USD (from netDebt column, last quarter)
Enterprise Value = 892.0m USD (1.05b + Debt 4.10m - CCE 166.8m)
Interest Coverage Ratio = 191.5 (Ebit TTM 76.6m / Interest Expense TTM 400.0k)
EV/FCF = 16.70x (Enterprise Value 892.0m / FCF TTM 53.4m)
FCF Yield = 5.99% (FCF TTM 53.4m / Enterprise Value 892.0m)
FCF Margin = 5.90% (FCF TTM 53.4m / Revenue TTM 904.8m)
Net Margin = 6.91% (Net Income TTM 62.5m / Revenue TTM 904.8m)
Gross Margin = 27.59% ((Revenue TTM 904.8m - Cost of Revenue TTM 655.2m) / Revenue TTM)
Gross Margin QoQ = 12.41% (prev 32.52%)
Tobins Q-Ratio = 0.25 (Enterprise Value 892.0m / Total Assets 3.53b)
Interest Expense / Debt = 4.88% (Interest Expense 200.0k / Debt 4.10m)
Taxrate = 19.15% (28.1m / 146.7m)
NOPAT = 61.9m (EBIT 76.6m * (1 - 19.15%))
Current Ratio = 46.88 (Total Current Assets 2.91b / Total Current Liabilities 62.1m)
Debt / Equity = 0.00 (Debt 4.10m / totalStockholderEquity, last quarter 1.04b)
Debt / EBITDA = -2.10 (Net Debt -162.7m / EBITDA 77.5m)
Debt / FCF = -3.05 (Net Debt -162.7m / FCF TTM 53.4m)
Total Stockholder Equity = 1.07b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.75% (Net Income 62.5m / Total Assets 3.53b)
RoE = 5.86% (Net Income TTM 62.5m / Total Stockholder Equity 1.07b)
RoCE = 7.15% (EBIT 76.6m / Capital Employed (Equity 1.07b + L.T.Debt 4.10m))
RoIC = 5.81% (NOPAT 61.9m / Invested Capital 1.07b)
WACC = 7.16% (E(1.05b)/V(1.06b) * Re(7.17%) + D(4.10m)/V(1.06b) * Rd(4.88%) * (1-Tc(0.19)))
Discount Rate = 7.17% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.28%
[DCF Debug] Terminal Value 82.76% ; FCFF base≈66.8m ; Y1≈75.4m ; Y5≈101.8m
Fair Price DCF = 100.9 (EV 2.10b - Net Debt -162.7m = Equity 2.27b / Shares 22.5m; r=7.16% [WACC]; 5y FCF grow 14.99% → 2.90% )
EPS Correlation: -38.29 | EPS CAGR: -6.36% | SUE: -0.87 | # QB: 0
Revenue Correlation: 64.90 | Revenue CAGR: 4.93% | SUE: 1.69 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.36 | Chg30d=-0.085 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=2.10 | Chg30d=-0.017 | Revisions Net=-1 | Growth EPS=+183.8% | Growth Revenue=-3.0%
P/E Forward = 13.6054
P/S = 1.1657
P/B = 0.9698
P/EG = 2.05
Revenue TTM = 904.8m USD
EBIT TTM = 76.6m USD
EBITDA TTM = 77.5m USD
Long Term Debt = 4.10m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 1.60m USD (from shortTermDebt, last fiscal year)
Debt = 4.10m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -162.7m USD (from netDebt column, last quarter)
Enterprise Value = 892.0m USD (1.05b + Debt 4.10m - CCE 166.8m)
Interest Coverage Ratio = 191.5 (Ebit TTM 76.6m / Interest Expense TTM 400.0k)
EV/FCF = 16.70x (Enterprise Value 892.0m / FCF TTM 53.4m)
FCF Yield = 5.99% (FCF TTM 53.4m / Enterprise Value 892.0m)
FCF Margin = 5.90% (FCF TTM 53.4m / Revenue TTM 904.8m)
Net Margin = 6.91% (Net Income TTM 62.5m / Revenue TTM 904.8m)
Gross Margin = 27.59% ((Revenue TTM 904.8m - Cost of Revenue TTM 655.2m) / Revenue TTM)
Gross Margin QoQ = 12.41% (prev 32.52%)
Tobins Q-Ratio = 0.25 (Enterprise Value 892.0m / Total Assets 3.53b)
Interest Expense / Debt = 4.88% (Interest Expense 200.0k / Debt 4.10m)
Taxrate = 19.15% (28.1m / 146.7m)
NOPAT = 61.9m (EBIT 76.6m * (1 - 19.15%))
Current Ratio = 46.88 (Total Current Assets 2.91b / Total Current Liabilities 62.1m)
Debt / Equity = 0.00 (Debt 4.10m / totalStockholderEquity, last quarter 1.04b)
Debt / EBITDA = -2.10 (Net Debt -162.7m / EBITDA 77.5m)
Debt / FCF = -3.05 (Net Debt -162.7m / FCF TTM 53.4m)
Total Stockholder Equity = 1.07b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.75% (Net Income 62.5m / Total Assets 3.53b)
RoE = 5.86% (Net Income TTM 62.5m / Total Stockholder Equity 1.07b)
RoCE = 7.15% (EBIT 76.6m / Capital Employed (Equity 1.07b + L.T.Debt 4.10m))
RoIC = 5.81% (NOPAT 61.9m / Invested Capital 1.07b)
WACC = 7.16% (E(1.05b)/V(1.06b) * Re(7.17%) + D(4.10m)/V(1.06b) * Rd(4.88%) * (1-Tc(0.19)))
Discount Rate = 7.17% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.28%
[DCF Debug] Terminal Value 82.76% ; FCFF base≈66.8m ; Y1≈75.4m ; Y5≈101.8m
Fair Price DCF = 100.9 (EV 2.10b - Net Debt -162.7m = Equity 2.27b / Shares 22.5m; r=7.16% [WACC]; 5y FCF grow 14.99% → 2.90% )
EPS Correlation: -38.29 | EPS CAGR: -6.36% | SUE: -0.87 | # QB: 0
Revenue Correlation: 64.90 | Revenue CAGR: 4.93% | SUE: 1.69 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.36 | Chg30d=-0.085 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=2.10 | Chg30d=-0.017 | Revisions Net=-1 | Growth EPS=+183.8% | Growth Revenue=-3.0%