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EIG stock logo

EIG

Employers Holdings, Inc.

$49.01
-0.14
 (-0.28%)
Exchange:  NYSE
Market Cap:  1.013B
Shares Outstanding:  52.715M
Delayed data
Calculate EIG Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Specialty
   
CEO:  Katherine Holt Antonello
Full Time Employees:  623
Address: 
5340 Kietzke Lane,
Reno
NV
89511
US
Website:  https://www.employers.com
Employers Holdings, Inc., along with its subsidiary companies, primarily operates within the commercial property and casualty insurance industry across the United States. The firm delivers workers’ compensation policies, specifically targeting small businesses in industries characterized by low to moderate risk levels. Distribution of its offerings occurs through a diverse network, which includes independent insurance agents and brokers spanning local, regional, and national markets, as well as alternative sales channels, collaborations with trade groups and associations of varying scales, and direct interactions with customers. The company was established in 2000 and its main office is located in Reno, Nevada.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/30 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue850,900880,700858,200
Gross Profit345,200323,300276,400
EBITDA159,000150,40016,100
Operating Income148,400146,70012,000
Net Income118,100118,60010,800

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,550,4003,541,3003,436,600
Total Liabilities2,536,5002,472,6002,480,900
Total Stockholders Equity1,013,9001,068,700955,700
Total Debt5,9004,30035,000
Cash and Cash Equivalents226,40068,3002,498,800

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow49,40076,40093,800
Capital Expenditure-2,200-4,9000
Free Cash Flow47,20071,50093,800
Net Income118,100118,60010,800
Net Change in Cash137,200-158,100-6,700

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)791,591.954Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)800,588.603Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)796,090.279Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)108,803.374Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)110,039.953Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)109,421.663Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)71,958.284Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)73,023.174Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)72,490.729Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)0Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)3Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)3.030Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)2.980Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
880.7M  ?P/S
 (TTM)
: 
1.19
?Net Income
 (TTM)
: 
118.6M  ?P/E
 (TTM)
: 
69.81
?Enterprise Value
 (TTM)
: 
1.011B  ?EV/FCF
 (TTM)
: 
47.68
?Dividend Yield
 (TTM)
: 
2.74%  ?Payout Ratio
 (TTM)
: 
356.58%
?ROE
 (TTM)
: 
0.82%  ?ROIC
 (TTM)
: 
0.24%
?Net Debt
 (TTM)
: 
-64200000  ?Debt/Equity
 (TTM)
: 
0.15
?P/B
 (TTM)
: 
1.02  ?Current Ratio
 (TTM)
: 
267.45

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
21.31Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

Strengths (preview)

  • Stable Financial Performance: EIG demonstrates consistent revenue and net income figures as per the latest income statements, supported by positive operating cash flow and free cash flow trends from the cash flow statements. This indicates a robust operational foundation despite market fluctuations.
  • Strong Capital Management: The balance sheet reflects a healthy total stockholders' equity and manageable debt levels, with a moderate debt-to-equity ratio (TTM) from key metrics, showcasing financial resilience and capacity for strategic investments.
  • Operational Efficiency: As highlighted in the Q2 2025 earnings call transcript, EIG maintains a focus on operational efficiency, which has contributed to sustained profitability metrics such as gross profit margin and net profit margin (TTM) from key metrics.
  • Dividend Consistency: The company offers a reliable dividend yield (TTM) as per key metrics, appealing to income-focused investors and reflecting confidence in sustained earnings.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates EIG intrinsic value between $39.49 – $42.11 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about EIG valuation

Is Employers Holdings, Inc. (EIG) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Employers Holdings, Inc. (EIG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is EIG a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether EIG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is EIG’s P/E ratio?

You can see EIG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for EIG?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is EIG a good long-term investment?

Whether EIG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

EIG

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.28
MARKETSnap

Trading Metrics:

Open: 48.81   Previous Close: 49.15
Day Low: 48.31   Day High: 49.11
Year Low: 35.73   Year High: 52.59
Price Avg 50: 49.52   Price Avg 200: 43.97
Volume: 61675   Average Volume: 226715

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EIG full analysis

16/09/2025

Welcome to MARKETSNAP’s SWOT analysis for Employers Holdings, Inc., also known by its ticker EIG. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this company to break down its strengths, weaknesses, opportunities, and threats. Let’s unpack what makes Employers Holdings tick, look at its recent performance, and figure out if it’s a solid addition to your portfolio. Grab a coffee, and let’s get started. First…

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See in Nexus

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Employers Q2 Earnings Call Highlights
31-07-2026 03:04
Employers Q2 Earnings Call Highlights
Employers Holdings, Inc. (EIG) Q2 2026 Earnings Call Transcript
30-07-2026 16:53
Employers Holdings, Inc. (EIG) Q2 2026 Earnings Call Transcript
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As Employers Drop Obesity Drug Coverage, Hims & Hers Could Be the Winner

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