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Employers Holdings, Inc. logo

Employers Holdings, Inc.

EIG

NYSEFinancial ServicesInsurance - Specialty

Open in GoAI

Previous close

$48.17

+$0.04 · +0.08%

Aug 21, 4:00 PM ET

Pre-market

$48.6107

+$0.4407 · +0.91%

Aug 24, 6:09 AM ET

EIG company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

54

Fair Value

Momentum

54

Neutral

Sentiment

70

Bullish

Risk resilience

81

Low Risk

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Company profile

Company website

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.

Industry
Insurance - Specialty
Sector
Financial Services
Headquarters
US
CEO
Katherine Holt Antonello
Listed since
Jan 31, 2007
Employees
623

Market position

Day range

Current $48.17

52-week range

Current $48.17

Open
$48.27
Previous close
$48.13
Volume
79.42K
0.35× average
Average volume
227.63K
Average daily volume
Market cap
995.59M USD
Beta
0.48
Market reference 1
50-day average
$49.3484
-2.39% below average
200-day average
$43.7972
+9.98% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
915.43M USD
P/E (TTM)
69.81×
P/B (TTM)
1.02×
P/S (TTM)
1.19×
EV / EBITDA
56.86×
Earnings yield
1.04%
Free cash flow yield
4.10%
Dividend yield
2.74%

Profitability & efficiency

Gross margin
37.48%
Operating margin
0.79%
Net margin
0.91%
Return on equity
1.13%
Return on assets
0.31%
Return on invested capital
1.01%

Financial health

Debt / equity
0.15×
Current ratio
0.82×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends49%31%14%-3%Gross margin, FY2021: 44.35%Gross margin, FY2022: 31.76%Gross margin, FY2023: 40.57%Gross margin, FY2024: 36.71%Gross margin, FY2025: 32.21%Operating margin, FY2021: 20.91%Operating margin, FY2022: 7.82%Operating margin, FY2023: 17.44%Operating margin, FY2024: 16.66%Operating margin, FY2025: 1.40%Net margin, FY2021: 16.97%Net margin, FY2022: 6.78%Net margin, FY2023: 13.88%Net margin, FY2024: 13.47%Net margin, FY2025: 1.26%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 44.35%. Gross margin FY2022 31.76%. Gross margin FY2023 40.57%. Gross margin FY2024 36.71%. Gross margin FY2025 32.21%. Operating margin FY2021 20.91%. Operating margin FY2022 7.82%. Operating margin FY2023 17.44%. Operating margin FY2024 16.66%. Operating margin FY2025 1.40%. Net margin FY2021 16.97%. Net margin FY2022 6.78%. Net margin FY2023 13.88%. Net margin FY2024 13.47%. Net margin FY2025 1.26%.

Income trends

Revenue

858.2M USD-2.55%

Operating income

12M USD-91.82%

Net income

10.8M USD-90.89%
Income trends across reported periods967.69M USD619.73M USD271.77M USD−76.19M USDRevenue, FY2021: 703.1M USDRevenue, FY2022: 713.5M USDRevenue, FY2023: 850.9M USDRevenue, FY2024: 880.7M USDRevenue, FY2025: 858.2M USDOperating income, FY2021: 147M USDOperating income, FY2022: 55.8M USDOperating income, FY2023: 148.4M USDOperating income, FY2024: 146.7M USDOperating income, FY2025: 12M USDNet income, FY2021: 119.3M USDNet income, FY2022: 48.4M USDNet income, FY2023: 118.1M USDNet income, FY2024: 118.6M USDNet income, FY2025: 10.8M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 703.1M USD. Revenue FY2022 713.5M USD. Revenue FY2023 850.9M USD. Revenue FY2024 880.7M USD. Revenue FY2025 858.2M USD. Operating income FY2021 147M USD. Operating income FY2022 55.8M USD. Operating income FY2023 148.4M USD. Operating income FY2024 146.7M USD. Operating income FY2025 12M USD. Net income FY2021 119.3M USD. Net income FY2022 48.4M USD. Net income FY2023 118.1M USD. Net income FY2024 118.6M USD. Net income FY2025 10.8M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue858.2M USD880.7M USD850.9M USD713.5M USD703.1M USD
Cost of goods sold581.8M USD557.4M USD505.7M USD486.9M USD391.3M USD
Gross profit276.4M USD323.3M USD345.2M USD226.6M USD311.8M USD
Operating expenses264.4M USD176.6M USD196.8M USD170.8M USD164.8M USD
Interest expense500K USD100K USD5.8M USD3.5M USD500K USD
Depreciation and amortization3.6M USD3.6M USD4.8M USD5.3M USD7.4M USD
Operating income12M USD146.7M USD148.4M USD55.8M USD147M USD
Net income10.8M USD118.6M USD118.1M USD48.4M USD119.3M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 4 misses, 0 met estimates
Average EPS surprise
-16.67%
11 comparable reports
Latest EPS result
0.7
Estimate 0.57 · Beat by 23.24%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.330.46-0.41-1.28Q1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 20, 2025: actual 1.15, estimate 1.08, surprise +6.48%, Beat. Q2 2025, reported May 1, 2025: actual 0.87, estimate 0.69, surprise +26.09%, Beat. Q3 2025, reported Jul 30, 2025: actual 0.48, estimate 0.94, surprise -48.94%, Miss. Q4 2025, reported Oct 30, 2025: actual -1.1, estimate 0.61, surprise -280.33%, Miss. Q1 2026, reported Feb 19, 2026: actual 0.66, estimate 0.41, surprise +60.98%, Beat. Q2 2026, reported Apr 29, 2026: actual 0.53, estimate 0.548, surprise -3.28%, Miss. Q3 2026, reported Jul 29, 2026: actual 0.7, estimate 0.568, surprise +23.24%, Beat. Q4 2026, reported Oct 29, 2026: actual —, estimate 0.61, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates256.15M224.32M192.48M160.65MQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 20, 2025: actual 216.6M USD, estimate 221.18M USD, surprise -2.07%, Miss. Q2 2025, reported May 1, 2025: actual 202.6M USD, estimate 217.91M USD, surprise -7.02%, Miss. Q3 2025, reported Jul 30, 2025: actual 246.3M USD, estimate 217.79M USD, surprise +13.09%, Beat. Q4 2025, reported Oct 30, 2025: actual 239.3M USD, estimate 217.35M USD, surprise +10.10%, Beat. Q1 2026, reported Feb 19, 2026: actual 170.5M USD, estimate 216.49M USD, surprise -21.24%, Miss. Q2 2026, reported Apr 29, 2026: actual 207.6M USD, estimate 213.04M USD, surprise -2.55%, Miss. Q3 2026, reported Jul 29, 2026: actual 220.2M USD, estimate 203.51M USD, surprise +8.20%, Beat. Q4 2026, reported Oct 29, 2026: actual —, estimate 191.46M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

8 ratings
Strong buy00%
Buy450%
Hold338%
Sell113%
Strong sell00%

Recent analyst actions

1 institution

EIG peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding EIG

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
53.26M
Weight
0.05%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
28.62M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
23.18M
Weight
0.03%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
22.47M
Weight
0.07%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
10.69M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
10.06M
Weight
0.01%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
8.11M
Weight
0.05%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%
iShares S&P Small-Cap 600 Value ETF logoiShares S&P Small-Cap 600 Value ETFIJS
Market value
7.76M
Weight
0.09%
AUM
8.33B USD
Expense ratio
0.18%
Price / 1D
$138.43+0.67%

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