What is Employers Holdings, Inc.'s earnings per share (EPS)?

Employers Holdings, Inc. (EIG) reported diluted earnings per share of $0.46 for fiscal year 2025. This represents a -90.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Employers Holdings, Inc. (EIG) Financials

EIG

FY2025 annual

Revenue $858.7M -2.5% YoY

Net Income $10.8M -90.9% YoY

EPS (Diluted) $0.46 -90.2% YoY

Free Cash Flow $44.6M -41.5% YoY

Market Cap $887.2M as of Oct 10, 2026

Price / Sales 1.1x on $837.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 117x on $7.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $858.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 30, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EIG SEC filings page.

Employers Holdings, Inc. (EIG) reported $858.7M in revenue for fiscal year 2025, down 2.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI EIG FY2025 2026-10-03

Revenue held near $859M, but 2025 profitability collapsed while cash generation stayed positive and capital returns accelerated.

The sharpest signal is the gap between earnings and cash: operating cash flow was 4.1x net income in FY2025 versus 0.6x in FY2024, so the earnings collapse was much steeper than cash generation. That divergence suggests reported profit was unusually affected by noncash or timing items, although operating cash flow still declined 41.5%, indicating less cash was produced.

Revenue fell 2.5% in FY2025, a modest top-line change that cannot by itself explain the earnings drop. Net margin fell from 13.5% in FY2024 to 1.3% in FY2025, pointing to a sharp deterioration in profitability rather than a volume-driven slowdown.

Free cash flow was $44.6M against operating cash flow of $44.7M, indicating that little reported cash was absorbed by capital spending. The company repurchased $182.8M of stock in FY2025, a capital return far larger than free cash flow that coincided with shares falling to 19.5M from 24.4M.

Financial Health Signals

Financial Health Score 40/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Employers Holdings, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Employers Holdings, Inc. scores 40/100 on it among other insurers.

Premium Growth

Employers Holdings, Inc. reported revenue of $858.7M in fiscal year 2025, against $880.7M in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and Employers Holdings, Inc. scores 20/100 among other insurers.

Capital

Employers Holdings, Inc. funded 27.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $955.7M of equity against $3.4B of assets. Capital ranks insurers on that cushion, and Employers Holdings, Inc. scores 65/100 among other insurers.

Investment Yield

Not available for Employers Holdings, Inc., and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Employers Holdings, Inc. scores 57/100 on it among other insurers.

Stability

Employers Holdings, Inc. reported net income of $10.8M in fiscal year 2025, against $118.6M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Employers Holdings, Inc. scores 59/100 among other insurers.

Piotroski F-Score Partial

5/7

Employers Holdings, Inc. passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

4.14x

For every $1 of reported earnings, Employers Holdings, Inc. generates $4.14 in operating cash flow ($44.7M OCF vs $10.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$220.2M

YoY-10.6%

QoQ+6.1%

5Y CAGR+5.1%

10Y CAGR+0.9%

Employers Holdings, Inc. generated $220.2M in revenue in Q2 2026. This represents a decrease of 10.6% from the same quarter a year earlier. Against the prior quarter it is up 6.1%.

Net Income

$29.1M

YoY-2.0%

QoQ+185.3%

5Y CAGR+2.0%

10Y CAGR+0.8%

Employers Holdings, Inc. reported $29.1M in net income in Q2 2026. This represents a decrease of 2.0% from the same quarter a year earlier. Against the prior quarter it is up 185.3%.

EPS (Diluted)

$1.59

YoY+29.3%

QoQ+205.8%

5Y CAGR+11.6%

10Y CAGR+7.0%

Employers Holdings, Inc. earned $1.59 per diluted share (EPS) in Q2 2026. This represents an increase of 29.3% from the same quarter a year earlier. Against the prior quarter it is up 205.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$113.3M

YoY+64.0%

QoQ-26.0%

5Y CAGR+1.0%

10Y CAGR-1.2%

Employers Holdings, Inc. held $113.3M in cash against $125.0M in long-term debt as of Q2 2026.

Dividends Per Share

$0.34

YoY+6.3%

QoQ+6.3%

5Y CAGR+6.3%

10Y CAGR+14.2%

Employers Holdings, Inc. paid $0.34 per share in dividends in Q2 2026. This represents an increase of 6.3% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.

Shares Outstanding

18M

YoY-23.6%

QoQ-1.5%

5Y CAGR-8.7%

10Y CAGR-5.7%

Employers Holdings, Inc. had 18M shares outstanding in Q2 2026. This represents a decrease of 23.6% from the same quarter a year earlier. Against the prior quarter it is down 1.5%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

13.2%

YoY+1.2pp

QoQ+8.3pp

5Y change-2.2pp

10Y change-0.1pp

Employers Holdings, Inc.'s net profit margin was 13.2% in Q2 2026, showing the share of revenue converted to profit. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 8.3 percentage points.

Return on Equity

3.4%

YoY+0.6pp

QoQ+2.2pp

5Y change+1.2pp

10Y change+0.2pp

Employers Holdings, Inc.'s ROE was 3.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$30.2M

YoY+28.5%

QoQ-61.9%

5Y CAGR+23.5%

10Y CAGR+17.7%

Employers Holdings, Inc. spent $30.2M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 28.5% from the same quarter a year earlier. Against the prior quarter it is down 61.9%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

EIG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

EIG quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$837.6M	$858.7M-2.5%	$880.7M+3.5%	$850.9M+19.3%	$713.5M+1.5%	$703.1M-1.2%	$711.4M-14.9%	$835.9M+4.4%	$800.4M-0.1%	$801.4M+2.8%	$779.8M+3.7%	$752.1M-2.8%	$773.5M+6.9%	$723.5M+24.9%	$579.2M+24.8%	$464.2M
SG&A Expenses	$95.1M	$98.7M-9.4%	$108.9M-0.3%	$109.2M+13.0%	$96.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$500K+400.0%	$100K-98.3%	$5.8M+65.7%	$3.5M+600.0%	$500K+25.0%	$400K-33.3%	$600K-60.0%	$1.5M+7.1%	$1.4M-12.5%	$1.6M-40.7%	$2.7M-10.0%	$3.0M-6.3%	$3.2M-8.7%	$3.5M-3.8%	$3.6M
Income Tax	-$1.0M	$1.2M-95.7%	$28.1M-7.3%	$30.3M+309.5%	$7.4M-73.3%	$27.7M-0.7%	$27.9M-24.0%	$36.7M+30.1%	$28.2M-34.1%	$42.8M+25.9%	$34.0M+580.0%	$5.0M-15.3%	$5.9M+155.1%	-$10.7M-14.5%	-$9.3M-343.8%	-$2.1M
Net Income	$7.6M	$10.8M-90.9%	$118.6M+0.4%	$118.1M+144.0%	$48.4M-59.4%	$119.3M-0.4%	$119.8M-23.7%	$157.1M+11.2%	$141.3M+39.6%	$101.2M-5.2%	$106.7M+13.0%	$94.4M-6.3%	$100.7M+57.8%	$63.8M-40.3%	$106.9M+119.8%	$48.6M
EPS (Basic)	N/A	$0.46-90.3%	$4.73+5.6%	$4.48+154.5%	$1.76-58.3%	$4.22+5.2%	$4.01-18.0%	$4.89+13.7%	$4.30+38.3%	$3.11-5.5%	$3.29+11.9%	$2.94-7.8%	$3.19+55.6%	$2.05-39.7%	$3.40+161.5%	$1.30
EPS (Diluted)	$0.79	$0.46-90.2%	$4.71+5.8%	$4.45+154.3%	$1.75-58.0%	$4.17+5.0%	$3.97-17.8%	$4.83+13.9%	$4.24+38.6%	$3.06-5.6%	$3.24+11.7%	$2.90-7.6%	$3.14+57.0%	$2.00-40.7%	$3.37+159.2%	$1.30
Diluted Shares (Avg)	N/A	24M-6.6%	25M-5.0%	27M-4.2%	28M-3.2%	29M-5.3%	30M-7.2%	33M-2.3%	33M+0.8%	33M+0.3%	33M+1.3%	33M+1.5%	32M+0.4%	32M+0.7%	32M-15.4%	38M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$220.2M-10.6%	$207.6M+2.5%	$170.5M-21.3%	$239.3M+6.8%	$246.3M+13.5%	$202.6M-9.2%	$216.6M-4.0%	$224.0M+10.1%
SG&A Expenses	$22.9M-4.2%	$25.0M-9.4%	$24.2M-8.0%	$23.0M-14.8%	$23.9M-9.8%	$27.6M-5.2%	$26.3M	$27.0M
Interest Expense	$1.3M	$1.1M+1000.0%	N/A	$200K	N/A	$100K	N/A	N/A
Income Tax	$5.6M-23.3%	$2.6M-16.1%	-$6.3M-198.4%	-$2.9M-145.3%	$7.3M-12.0%	$3.1M-55.7%	$6.4M-49.2%	$6.4M+88.2%
Net Income	$29.1M-2.0%	$10.2M-20.3%	-$23.4M-182.7%	-$8.3M-127.4%	$29.7M-6.3%	$12.8M-54.8%	$28.3M-37.9%	$30.3M+116.4%
EPS (Basic)	$1.60+29.0%	$0.53+1.9%	-$0.97-185.1%	-$0.36-129.5%	$1.24-0.8%	$0.52-53.6%	$1.14-35.2%	$1.22+125.9%
EPS (Diluted)	$1.59+29.3%	$0.520.0%	-$0.96-184.2%	-$0.36-129.8%	$1.23-1.6%	$0.52-53.2%	$1.14-34.5%	$1.21+124.1%
Diluted Shares (Avg)	18M-24.2%	20M-20.7%	N/A	23M-6.5%	24M-4.8%	25M-3.6%	N/A	25M-4.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

EIG Balance Sheet

EIG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.4B-3.0%	$3.5B-0.3%	$3.6B-4.5%	$3.7B-1.8%	$3.8B-3.6%	$3.9B-2.0%	$4.0B+2.2%	$3.9B+2.1%	$3.8B+1.8%	$3.8B+0.5%	$3.8B-0.4%	$3.8B+3.5%	$3.6B+3.8%	$3.5B+0.9%	$3.5B
Cash & Equivalents	$159.8M+134.0%	$68.3M-69.8%	$226.4M+153.8%	$89.2M+18.8%	$75.1M-53.2%	$160.4M+3.6%	$154.9M+52.8%	$101.4M+38.3%	$73.3M+9.1%	$67.2M+18.7%	$56.6M-45.4%	$103.6M+200.3%	$34.5M-75.5%	$140.7M-44.2%	$252.3M
Short-Term Investments	$10.1M+10000.0%	$100K-99.7%	$33.1M-72.2%	$119.1M+1034.3%	$10.5M-60.5%	$26.6M	$0-100.0%	$25.0M+525.0%	$4.0M-75.0%	$16.0M	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M
Total Liabilities	$2.5B+0.3%	$2.5B-2.5%	$2.5B-8.5%	$2.8B+7.9%	$2.6B-5.2%	$2.7B-4.5%	$2.8B-2.2%	$2.9B+0.3%	$2.9B-1.4%	$2.9B-2.1%	$3.0B-2.9%	$3.1B+0.3%	$3.1B+3.5%	$3.0B-1.2%	$3.0B
Long-Term Debt	$19.0M	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$955.7M-10.6%	$1.1B+5.4%	$1.0B+7.4%	$944.2M-22.2%	$1.2B0.0%	$1.2B+4.0%	$1.2B+14.5%	$1.0B+7.4%	$947.7M+12.7%	$840.6M+10.5%	$760.8M+10.8%	$686.8M+20.8%	$568.7M+5.4%	$539.4M+16.8%	$462.0M
Retained Earnings	$1.5B-1.3%	$1.5B+6.4%	$1.4B+6.8%	$1.3B-3.2%	$1.3B+7.3%	$1.2B+7.7%	$1.2B+12.4%	$1.0B+22.4%	$842.2M+8.4%	$777.2M+14.0%	$682.0M+14.6%	$595.3M+18.5%	$502.2M+12.6%	$445.9M+24.3%	$358.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.4B-4.6%	$3.4B-3.4%	$3.4B-3.0%	$3.5B-2.5%	$3.5B-0.2%	$3.6B-0.2%	$3.5B-0.3%	$3.6B+2.6%
Cash & Equivalents	$113.3M+64.0%	$153.1M+52.5%	$159.8M+134.0%	$166.8M+16.4%	$69.1M-27.6%	$100.4M-12.1%	$68.3M-69.8%	$143.3M+31.7%
Short-Term Investments	$21.7M+141.1%	$14.6M	$10.1M+10000.0%	$5.6M-81.7%	$9.0M-70.9%	$0-100.0%	$100K-99.7%	$30.6M-34.6%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%	$36.2M0.0%
Total Liabilities	$2.5B+2.5%	$2.6B+3.6%	$2.5B+0.3%	$2.5B-1.5%	$2.5B-2.6%	$2.5B-2.5%	$2.5B-2.5%	$2.5B-3.2%
Long-Term Debt	$125.0M	$125.0M	$19.0M	N/A	N/A	N/A	$0	N/A
Total Equity	$858.8M-20.7%	$866.5M-19.4%	$955.7M-10.6%	$1.0B-5.0%	$1.1B+5.9%	$1.1B+5.6%	$1.1B+5.4%	$1.1B+19.0%
Retained Earnings	$1.5B-1.3%	$1.5B-1.4%	$1.5B-1.3%	$1.5B+2.2%	$1.5B+5.0%	$1.5B+5.2%	$1.5B+6.4%	$1.5B+7.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

EIG Cash Flow Statement

EIG quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$22.0M	$44.7M-41.5%	$76.4M+54.7%	$49.4M-50.5%	$99.8M+824.1%	$10.8M-67.3%	$33.0M-73.1%	$122.5M-32.0%	$180.2M+26.6%	$142.3M+15.9%	$122.8M+5.5%	$116.4M-32.3%	$171.9M+3.2%	$166.5M+26.9%	$131.2M+209.7%	$42.4M
Depreciation & Amortization	N/A	$14.2M-15.0%	$16.7M-22.3%	$21.5M-0.9%	$21.7M+193.2%	$7.4M-9.8%	$8.2M-8.9%	$9.0M+42.9%	$6.3M-23.2%	$8.2M-3.5%	$8.5M+2.4%	$8.3M+18.6%	$7.0M+14.8%	$6.1M+8.9%	$5.6M-12.3%	$6.4M
Stock-Based Compensation	N/A	$5.0M-20.6%	$6.3M+1.6%	$6.2M+21.6%	$5.1M-44.0%	$9.1M-6.2%	$9.7M-4.0%	$10.1M+7.4%	$9.4M+38.2%	$6.8M+17.2%	$5.8M+26.1%	$4.6M-23.3%	$6.0M+7.1%	$5.6M-8.8%	$6.1M+64.1%	$3.7M
Capital Expenditures	N/A	$100K0.0%	$100K	$0-100.0%	$100K-66.7%	$300K+200.0%	$100K-85.7%	$700K+133.3%	$300K-25.0%	$400K-42.9%	$700K+133.3%	$300K-57.1%	$700K-69.6%	$2.3M-25.9%	$3.1M	$0
Free Cash Flow	N/A	$44.6M-41.5%	$76.3M+54.5%	$49.4M-50.5%	$99.7M+849.5%	$10.5M-68.1%	$32.9M-73.0%	$121.8M-32.3%	$179.9M+26.8%	$141.9M+16.2%	$122.1M+5.2%	$116.1M-32.2%	$171.2M+4.3%	$164.2M+28.1%	$128.1M+202.3%	$42.4M
Investing Cash Flow	$174.5M	$225.9M+241.5%	-$159.7M-142.3%	$377.3M+358.2%	-$146.1M-8494.1%	-$1.7M-102.0%	$84.3M+71.3%	$49.2M+141.1%	-$119.6M-6.0%	-$112.8M-28.9%	-$87.5M+13.5%	-$101.2M-16.7%	-$86.7M+66.7%	-$260.1M-41.0%	-$184.4M-192.2%	$200.0M
Financing Cash Flow	-$152.3M	-$179.1M-139.4%	-$74.8M+74.2%	-$289.5M-579.3%	$60.4M+164.0%	-$94.4M+15.6%	-$111.9M+5.6%	-$118.5M-260.2%	-$32.9M-26.5%	-$26.0M-10.2%	-$23.6M+62.1%	-$62.2M-286.3%	-$16.1M-27.8%	-$12.6M+78.4%	-$58.5M+46.8%	-$109.9M
Dividends Paid	$27.1M	$29.9M-1.3%	$30.3M+2.0%	$29.7M-67.1%	$90.3M+211.4%	$29.0M-4.9%	$30.5M+7.8%	$28.3M+6.0%	$26.7M+35.5%	$19.7M+71.3%	$11.5M+49.4%	$7.7M+1.3%	$7.6M+1.3%	$7.5M-0.1%	$7.5M-16.0%	$8.9M
Share Buybacks	$249.0M	$182.8M+329.1%	$42.6M-44.0%	$76.1M+150.3%	$30.4M-28.6%	$42.6M-57.1%	$99.4M+47.3%	$67.5M+1507.1%	$4.2M	$0-100.0%	$21.1M	$0	$0	$0-100.0%	$41.8M-54.6%	$92.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$10.3M	$2.2M-84.9%	$700K-94.7%	$29.4M-42.4%	$0-100.0%	$14.6M+2333.3%	$13.1M-52.5%	$51.0M+101.6%
Depreciation & Amortization	$3.3M0.0%	$3.0M-11.8%	$3.8M+5.6%	$3.7M-5.1%	$3.3M-38.9%	$3.4M-10.5%	$3.6M-79.8%	$3.9M+290.0%
Stock-Based Compensation	N/A	$1.6M+33.3%	N/A	N/A	N/A	$1.2M-20.0%	N/A	N/A
Investing Cash Flow	$7.1M+7000.0%	-$12.3M-126.7%	$58.5M+183.6%	$121.2M+918.5%	$100K+102.6%	$46.1M+147.2%	-$70.0M-146.0%	$11.9M-88.7%
Financing Cash Flow	-$36.6M-16.6%	$3.4M+111.9%	-$66.2M-265.7%	-$52.9M-250.3%	-$31.4M-18.5%	-$28.6M-89.4%	-$18.1M+70.9%	-$15.1M+82.9%
Dividends Paid	$6.3M-20.3%	$6.3M-16.0%	$7.1M-5.3%	$7.4M0.0%	$7.9M+3.9%	$7.5M-3.8%	$7.5M+4.2%	$7.4M+1.4%
Share Buybacks	$30.2M+28.5%	$79.3M+300.5%	$94.1M+787.7%	$45.4M+497.4%	$23.5M+25.0%	$19.8M+253.6%	$10.6M-27.4%	$7.6M-50.6%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

EIG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

EIG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	1.3%-12.2pp	13.5%-0.4pp	13.9%+7.1pp	6.8%-10.2pp	17.0%+0.1pp	16.8%-2.0pp	18.8%+1.1pp	17.6%+5.0pp	12.6%-1.1pp	13.7%+1.1pp	12.6%-0.5pp	13.0%+4.2pp	8.8%-9.6pp	18.5%+8.0pp	10.5%
Return on Equity	1.1%-10.0pp	11.1%-0.6pp	11.7%+6.5pp	5.1%-4.7pp	9.8%-0.1pp	9.9%-3.6pp	13.5%-0.4pp	13.9%+3.2pp	10.7%-2.0pp	12.7%+0.3pp	12.4%-2.3pp	14.7%+3.4pp	11.2%-8.6pp	19.8%+9.3pp	10.5%
Return on Assets	0.3%-3.0pp	3.4%0.0pp	3.3%+2.0pp	1.3%-1.9pp	3.1%+0.1pp	3.0%-0.9pp	3.9%+0.3pp	3.6%+1.0pp	2.6%-0.2pp	2.8%+0.3pp	2.5%-0.2pp	2.7%+0.9pp	1.8%-1.3pp	3.0%+1.6pp	1.4%
Debt-to-Equity	0.020.0x	0.00-2.5x	2.50-0.4x	2.94+0.8x	2.12-0.1x	2.23-0.2x	2.43-0.4x	2.85-0.2x	3.05-0.4x	3.49-0.4x	3.94-0.6x	4.49-0.9x	5.41-0.1x	5.51-1.0x	6.51
Asset Turnover	0.250.0x	0.250.0x	0.240.0x	0.190.0x	0.190.0x	0.180.0x	0.210.0x	0.200.0x	0.210.0x	0.210.0x	0.200.0x	0.210.0x	0.200.0x	0.160.0x	0.13
FCF Margin	5.2%-3.5pp	8.7%+2.8pp	5.8%-8.2pp	14.0%+12.5pp	1.5%-3.1pp	4.6%-10.0pp	14.6%-7.9pp	22.5%+4.8pp	17.7%+2.1pp	15.7%+0.2pp	15.4%-6.7pp	22.1%-0.6pp	22.7%+0.6pp	22.1%+13.0pp	9.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	13.2%+1.2pp	4.9%-1.4pp	-13.7%-26.8pp	-3.5%-17.0pp	12.1%-2.6pp	6.3%-6.4pp	13.1%-7.1pp	13.5%+6.7pp
Return on Equity	3.4%+0.6pp	1.2%0.0pp	-2.4%-5.1pp	-0.8%-3.6pp	2.7%-0.4pp	1.2%-1.6pp	2.6%-1.8pp	2.8%+1.3pp
Return on Assets	0.9%0.0pp	0.3%-0.1pp	-0.7%-1.5pp	-0.2%-1.1pp	0.8%-0.1pp	0.4%-0.4pp	0.8%-0.5pp	0.8%+0.4pp
Debt-to-Equity	0.15-2.1x	0.14-2.2x	0.020.0x	2.39+0.1x	2.27-0.2x	2.31-0.2x	0.00-2.5x	2.31-0.5x
Asset Turnover	0.070.0x	0.060.0x	0.050.0x	0.070.0x	0.070.0x	0.060.0x	0.060.0x	0.060.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Employers Holdings, Inc. EIG	FY2025	$858.7M	$10.8M	1.3%	$887.2M	40/100
Tiptree Inc. TIPT	FY2025	$488K	$34.9M	N/A	$642.4M	—
AMERISAFE, Inc. AMSF	FY2025	$317.3M	$47.1M	14.8%	$452.5M	53/100
Investors Title Co ITIC	FY2025	$272.8M	$35.2M	12.9%	$560.6M	38/100
Ambac Financial Group, Inc. AMBC	FY2025	$251.2M	-$259.0M	N/A	$395.6M	21/100
MBIA Inc. MBI	FY2025	$80.0M	-$177.0M	N/A	$230.6M	2/100

Where Employers Holdings, Inc. Ranks

Frequently Asked Questions

What is Employers Holdings, Inc.'s annual revenue?

Employers Holdings, Inc. (EIG) reported $858.7M in total revenue for fiscal year 2025. This represents a -2.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Employers Holdings, Inc.'s revenue growing?

Employers Holdings, Inc. (EIG) revenue declined by 2.5% year-over-year, from $880.7M to $858.7M in fiscal year 2025.

Is Employers Holdings, Inc. profitable?

Yes, Employers Holdings, Inc. (EIG) reported a net income of $10.8M in fiscal year 2025, with a net profit margin of 1.3%.

How much debt does Employers Holdings, Inc. have?

As of fiscal year 2025, Employers Holdings, Inc. (EIG) had $159.8M in cash and equivalents against $19.0M in long-term debt.

What is Employers Holdings, Inc.'s net profit margin?

Employers Holdings, Inc. (EIG) had a net profit margin of 1.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Employers Holdings, Inc. pay dividends?

Yes, Employers Holdings, Inc. (EIG) paid $1.26 per share in dividends during fiscal year 2025.

What is Employers Holdings, Inc.'s return on equity (ROE)?

Employers Holdings, Inc. (EIG) has a return on equity of 1.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Employers Holdings, Inc.'s free cash flow?

Employers Holdings, Inc. (EIG) generated $44.6M in free cash flow during fiscal year 2025. This represents a -41.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Employers Holdings, Inc.'s operating cash flow?

Employers Holdings, Inc. (EIG) generated $44.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Employers Holdings, Inc.'s total assets?

Employers Holdings, Inc. (EIG) had $3.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Employers Holdings, Inc.'s capital expenditures?

Employers Holdings, Inc. (EIG) invested $100K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Employers Holdings, Inc. buy back shares?

Yes, Employers Holdings, Inc. (EIG) spent $182.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Employers Holdings, Inc. have outstanding?

Employers Holdings, Inc. (EIG) had 19M shares outstanding as of fiscal year 2025.

What is Employers Holdings, Inc.'s debt-to-equity ratio?

Employers Holdings, Inc. (EIG) had a debt-to-equity ratio of 0.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Employers Holdings, Inc.'s return on assets (ROA)?

Employers Holdings, Inc. (EIG) had a return on assets of 0.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Employers Holdings, Inc.'s P/E ratio?

Employers Holdings, Inc. (EIG) trades at 117x earnings, its market capitalization divided by net income of $7.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $887.2M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Employers Holdings, Inc.'s price-to-sales ratio?

Employers Holdings, Inc. (EIG) trades at 1.1x sales, its market capitalization divided by revenue of $837.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $887.2M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Employers Holdings, Inc.'s Piotroski F-Score?

Employers Holdings, Inc. (EIG) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Employers Holdings, Inc.'s earnings high quality?

Employers Holdings, Inc. (EIG) has an earnings quality ratio of 4.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Employers Holdings, Inc.?

Employers Holdings, Inc. (EIG) scores 40 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.