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Earnings transcript
Read the complete earnings call transcript.
EIG
Employers Holdings, Inc.
$51.21
0.76
(1.51%)
| Exchange: | NYSE |
| Market Cap: | 919.758M |
| Shares Outstanding: | 52.715M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Insurance – SpecialtyView industry performance | |||||
| CEO: | Katherine Holt Antonello | |||||
| Full Time Employees: | 623 | |||||
| Address: |
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| 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
EIG full analysis
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…
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 850,900 | 880,700 | 858,200 |
| Gross Profit | 345,200 | 323,300 | 276,400 |
| EBITDA | 159,000 | 150,400 | 23,700 |
| Operating Income | 148,400 | 146,700 | 12,000 |
| Net Income | 118,100 | 118,600 | 10,800 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 3,550,400 | 3,541,300 | 3,436,600 |
| Total Liabilities | 2,536,500 | 2,472,600 | 2,480,900 |
| Total Stockholders Equity | 1,013,900 | 1,068,700 | 955,700 |
| Total Debt | 5,900 | 4,300 | 35,000 |
| Cash and Cash Equivalents | 226,400 | 68,300 | 2,498,800 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 49,400 | 76,400 | 93,800 |
| Capital Expenditure | -2,200 | -4,900 | 0 |
| Free Cash Flow | 47,200 | 71,500 | 93,800 |
| Net Income | 118,100 | 118,600 | 10,800 |
| Net Change in Cash | 137,200 | -158,100 | -6,700 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 756,111.974 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 763,488.025 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 759,800 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 82,484.246 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 83,440.296 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 82,962.271 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 62,998.677 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 63,798.551 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 63,398.614 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 2.630 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 2.640 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.610 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT 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 $15.56 – $28.30 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.
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
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Daily snapshot
1.51
Trading Metrics:
| Open: | 50.25 | Previous Close: | 50.45 | |
| Day Low: | 50.25 | Day High: | 51.31 | |
| Year Low: | 35.73 | Year High: | 52.59 | |
| Price Avg 50: | 48.96 | Price Avg 200: | 45.47 | |
| Volume: | 131396 | Average Volume: | 210154 |
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