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Employers Holdings, Inc. EIG

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Price alert · EIG

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47.59 USD +0.24 (+0.51%)

Nov 4, 2026, 12:43 PM EST

47.45 Day range 48.42
37.43 52-week range 53.51
YTD
+10.24%
1 year
+26.81%

Financial health

Altman Z-Score

2.23 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 1
  • P/B 3

Valuation

P/E 95.9×
FY 2016: 12.0×FY 2017: 14.3×FY 2018: 9.8×FY 2019: 8.5×FY 2020: 8.0×FY 2021: 9.8×FY 2022: 24.5×FY 2023: 8.8×FY 2024: 10.8×FY 2025: 95.9×
FY 2016 5y median 10.8× FY 2025
P/S 1.2×
FY 2016: 1.6×FY 2017: 1.8×FY 2018: 1.7×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.7×FY 2022: 1.7×FY 2023: 1.2×FY 2024: 1.5×FY 2025: 1.2×
FY 2016 5y median 1.5× FY 2025
P/B 1.1×
FY 2016: 1.5×FY 2017: 1.5×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.3×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 24.4×
FY 2016: 10.9×FY 2017: 10.8×FY 2018: 8.1×FY 2019: 12.1×FY 2020: 35.0×FY 2021: 163×FY 2022: 12.2×FY 2023: 22.0×FY 2024: 17.9×FY 2025: 24.4×
FY 2016 5y median 22.0× FY 2025
EV/EBITDA 38.6×
FY 2016: 8.3×FY 2017: 9.0×FY 2018: 7.3×FY 2019: 5.9×FY 2020: 5.4×FY 2021: 7.2×FY 2022: 20.0×FY 2023: 5.1×FY 2024: 8.1×FY 2025: 38.6×
FY 2016 5y median 8.1× FY 2025
EV/Sales 1.1×
FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 1.2×FY 2021: 1.6×FY 2022: 1.8×FY 2023: 1.0×FY 2024: 1.4×FY 2025: 1.1×
FY 2016 5y median 1.4× FY 2025
FCF Yield 4.1%
FY 2016: 9.2%FY 2017: 9.3%FY 2018: 12.3%FY 2019: 8.2%FY 2020: 2.9%FY 2021: 0.6%FY 2022: 8.2%FY 2023: 4.5%FY 2024: 5.6%FY 2025: 4.1%
FY 2016 5y median 4.5% FY 2025

Profitability

Gross Margin 32.2%
FY 2016: 35.7%FY 2017: 36.4%FY 2018: 41.2%FY 2019: 45.7%FY 2020: 46.4%FY 2021: 44.3%FY 2022: 31.8%FY 2023: 40.6%FY 2024: 36.7%FY 2025: 32.2%
FY 2016 5y median 36.7% FY 2025
Operating Margin 1.4%
FY 2016: 18.0%FY 2017: 18.0%FY 2018: 21.2%FY 2019: 23.2%FY 2020: 20.8%FY 2021: 20.9%FY 2022: 7.8%FY 2023: 17.4%FY 2024: 16.7%FY 2025: 1.4%
FY 2016 5y median 16.7% FY 2025
Net Margin 1.3%
FY 2016: 13.7%FY 2017: 12.7%FY 2018: 17.7%FY 2019: 18.8%FY 2020: 16.8%FY 2021: 17.0%FY 2022: 6.8%FY 2023: 13.9%FY 2024: 13.5%FY 2025: 1.3%
FY 2016 5y median 13.5% FY 2025
ROE 1.1%
FY 2016: 12.7%FY 2017: 10.7%FY 2018: 13.9%FY 2019: 13.5%FY 2020: 9.9%FY 2021: 9.8%FY 2022: 5.1%FY 2023: 11.6%FY 2024: 11.1%FY 2025: 1.1%
FY 2016 5y median 9.8% FY 2025
ROIC 1.0%
FY 2016: 66.5%FY 2017: 93.1%FY 2018: 3.8%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 9.1%FY 2022: 4.0%FY 2023: 3.2%FY 2024: 10.3%FY 2025: 1.0%
FY 2016 5y median 4.0% FY 2025
ROA 0.3%
FY 2016: 2.8%FY 2017: 2.6%FY 2018: 3.6%FY 2019: 3.9%FY 2020: 3.1%FY 2021: 3.2%FY 2022: 1.3%FY 2023: 3.3%FY 2024: 3.3%FY 2025: 0.3%
FY 2016 5y median 3.2% FY 2025

Growth (YoY)

Revenue -2.6%
FY 2016: 3.7%FY 2017: 2.5%FY 2018: 0.1%FY 2019: 4.4%FY 2020: -14.9%FY 2021: -1.2%FY 2022: 1.5%FY 2023: 19.3%FY 2024: 3.5%FY 2025: -2.6%
FY 2016 FY 2025
Operating Income -91.8%
FY 2016: 41.5%FY 2017: 2.3%FY 2018: 17.7%FY 2019: 14.3%FY 2020: -23.8%FY 2021: -0.5%FY 2022: -62.0%FY 2023: 165.9%FY 2024: -1.1%FY 2025: -91.8%
FY 2016 FY 2025
EPS (diluted) -90.4%
FY 2016: 11.7%FY 2017: -5.6%FY 2018: 38.6%FY 2019: 13.9%FY 2020: -17.8%FY 2021: 5.0%FY 2022: -58.0%FY 2023: 154.3%FY 2024: 5.8%FY 2025: -90.4%
FY 2016 FY 2025
Free Cash Flow -40.6%
FY 2016: 12.3%FY 2017: 13.8%FY 2018: 26.8%FY 2019: -35.1%FY 2020: -75.1%FY 2021: -73.8%FY 2022: 1250.0%FY 2023: -51.4%FY 2024: 51.5%FY 2025: -40.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.8×
FY 2016: 1.7×FY 2017: 1.4×FY 2018: 27.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 0.8×
FY 2016 5y median 1.2× FY 2025
Quick Ratio 0.8×
FY 2016: 84.5×FY 2017: 30.0×FY 2018: 44.6×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 0.8×
FY 2016 5y median 1.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -5.1×
FY 2016: -0.2×FY 2017: -0.3×FY 2018: -0.5×FY 2019: -0.7×FY 2020: -0.8×FY 2021: -0.4×FY 2022: 1.7×FY 2023: -1.4×FY 2024: -0.4×FY 2025: -5.1×
FY 2016 5y median -0.4× FY 2025
Interest Coverage 24.0×
FY 2016: 87.9×FY 2017: 103×FY 2018: 113×FY 2019: 323×FY 2020: 369×FY 2021: 294×FY 2022: 15.9×FY 2023: 25.6×FY 2024: 1467×FY 2025: 24.0×
FY 2016 5y median 25.6× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 0.9%FY 2017: 1.4%FY 2018: 1.9%FY 2019: 2.1%FY 2020: 3.2%FY 2021: 2.5%FY 2022: 7.6%FY 2023: 2.9%FY 2024: 2.4%FY 2025: 2.9%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 276.9%
FY 2016: 10.8%FY 2017: 19.5%FY 2018: 18.9%FY 2019: 18.0%FY 2020: 25.5%FY 2021: 24.3%FY 2022: 186.6%FY 2023: 25.1%FY 2024: 25.5%FY 2025: 276.9%
FY 2016 5y median 25.5% FY 2025

Annual · latest fiscal year ends 2025-12-31