EIG Stock Analysis: Employers Holdings | NYSE
Insurance - Specialty | NYSE, USA | Market Cap: 918m USD | 12M Return: 13.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.9M
EPS Trend: -76.0%
Qual. Beats: 0
Rev. Trend: 49.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Employers Holdings, Inc. (NYSE: EIG) is a U.S. workers compensation insurance provider focused on small businesses operating in low to medium hazard industries. The company distributes its policies through independent agents and brokers at the local, regional, specialty, and national levels, as well as through trade groups, associations, and direct-to-customer channels. Founded in 2000 and headquartered in Reno, Nevada, EIG has been publicly traded since its January 2007 IPO and is classified within the Property & Casualty Insurance sub-industry of the Financials sector.
Workers compensation insurance is a state-regulated line of coverage, with most U.S. states requiring employers to carry policies that pay for medical expenses and lost wages related to workplace injuries. Insurers in this niche typically generate premium revenue and investment income on float, and profitability is heavily influenced by underwriting discipline, loss reserve development, and state-level pricing regulations.
- Net investment income expands on higher interest rates
- Combined ratio trends signal disciplined underwriting margin
- Aggressive share repurchases boost earnings per share
| Net Income: 8.20m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.56 > 1.0 |
| NWC/Revenue: -67.23% < 20% (prev -61.93%; Δ -5.31% < -1%) |
| CFO/TA 0.01 > 3% & CFO 46.9m > Net Income 8.20m |
| Net Debt (-1.01b) to EBITDA (21.2m): -47.79 < 3 |
| Current Ratio: 0.77 > 1.5 & < 3 |
| Outstanding Shares: last quarter (24.1m) vs 12m ago -3.39% < -2% |
| Gross Margin: 34.31% > 18% (prev 35.10%; Δ -0.79% > 0.5%) |
| Asset Turnover: 24.69% > 50% (prev 24.18%; Δ 0.51% > 0%) |
| Interest Coverage Ratio: 6.93 > 6 (EBIT TTM 10.4m / Interest Expense TTM 1.50m) |
| A: -0.17 (Total Current Assets 1.90b - Total Current Liabilities 2.48b) / Total Assets 3.44b |
| B: 0.42 (Retained Earnings 1.46b / Total Assets 3.44b) |
| C: 0.00 (EBIT TTM 10.4m / Avg Total Assets 3.50b) |
| D: 0.34 (Book Value of Equity 866.5m / Total Liabilities 2.57b) |
| Altman-Z'' = 0.65 = B |
| DSRI: 0.94 (Receivables 755.1m/804.5m, Revenue 863.4m/860.2m) |
| GMI: 1.02 (GM 35.10% / 34.31%) |
| AQI: 0.94 (AQ_t 0.44 / AQ_t-1 0.47) |
| SGI: 1.00 (Revenue 863.4m / 860.2m) |
| TATA: -0.01 (NI 8.20m - CFO 46.9m) / TA 3.44b) |
| Beneish M = -3.09 (Cap -4..+1) = AA |
As of July 21, 2026, the stock is trading at USD 50.38 with a total of 133,894 shares traded. Over the past week, the price has changed by -1.72%, over one month by +8.30%, over three months by +20.15% and over the past year by +13.86%.
Current recommended Stop Loss: 48.70 (which is 3.3% or 1.4 ATR below the current price).
Employers Holdings has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold EIG.
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 46.5 | -7.7% |
P/E Trailing = 109.3913
P/E Forward = 13.6054
P/S = 1.0629
P/B = 1.0594
P/EG = 1.319
Revenue TTM = 863.4m USD
EBIT TTM = 10.4m USD
EBITDA TTM = 21.2m USD
Long Term Debt = 16.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 125.0m USD (from shortTermDebt, last quarter)
Debt = 132.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 3.80m
Net Debt = -1.01b USD (calculated: Debt 132.6m - CCE 1.15b)
Enterprise Value = 918.0m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 6.93 (Ebit TTM 10.4m / Interest Expense TTM 1.50m)
EV/FCF = 30.91x (Enterprise Value 918.0m / FCF TTM 29.7m)
FCF Yield = 3.24% (FCF TTM 29.7m / Enterprise Value 918.0m)
FCF Margin = 3.44% (FCF TTM 29.7m / Revenue TTM 863.4m)
Net Margin = 0.95% (Net Income TTM 8.20m / Revenue TTM 863.4m)
Gross Margin = 34.31% ((Revenue TTM 863.4m - Cost of Revenue TTM 567.2m) / Revenue TTM)
Gross Margin QoQ = 37.81% (prev 63.40%)
Tobins Q-Ratio = 0.27 (Enterprise Value 918.0m / Total Assets 3.44b)
Interest Expense / Debt = 1.13% (Interest Expense 1.50m / Debt 132.6m)
Taxrate = 7.87% (700k / 8.90m)
NOPAT = 9.58m (EBIT 10.4m * (1 - 7.87%))
Current Ratio = 0.77 (Total Current Assets 1.90b / Total Current Liabilities 2.48b)
Debt / Equity = 0.15 (Debt 132.6m / totalStockholderEquity, last quarter 866.5m)
Debt / EBITDA = -47.79 (Net Debt -1.01b / EBITDA 21.2m)
Debt / FCF = -34.11 (Net Debt -1.01b / FCF TTM 29.7m)
Total Stockholder Equity = 986.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.23% (Net Income 8.20m / Total Assets 3.44b)
RoE = 0.83% (Net Income TTM 8.20m / Total Stockholder Equity 986.1m)
RoCE = 1.04% (EBIT 10.4m / Capital Employed (Equity 986.1m + L.T.Debt 16.0m))
RoIC = 0.92% (NOPAT 9.58m / Invested Capital 1.04b)
WACC = 5.94% (E(918.0m)/V(1.05b) * Re(6.65%) + D(132.6m)/V(1.05b) * Rd(1.13%) * (1-Tc(0.08)))
Discount Rate = 6.65% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.49 | Cagr: -2.92%
[DCF] Terminal Value 73.10% ; FCFF base≈52.3m ; Y1≈45.9m ; Y5≈37.1m
[DCF] Fair Price = 88.16 (EV 595.2m - Net Debt -1.01b = Equity 1.61b / Shares 18.2m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -75.99 | EPS CAGR: -43.46% | SUE: 0.03 | # QB: 0
Revenue Correlation: 49.67 | Revenue CAGR: 1.17% | SUE: -0.23 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.56 | Chg30d=+3.73% | Revisions=+17% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.61 | Chg30d=+8.93% | Revisions=+17% | Analysts=3
EPS current Year (2026-12-31): EPS=2.32 | Chg30d=+6.11% | Revisions=+40% | GrowthEPS=+149.1% | GrowthRev=-6.4%
EPS next Year (2027-12-31): EPS=2.57 | Chg30d=+2.67% | Revisions=+17% | GrowthEPS=+10.8% | GrowthRev=-2.8%
[Analyst] Revisions Ratio: +36% (up=8, down=3)