What is Employers Hldgs Inc's earnings per share (EPS)?

Employers Hldgs 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 Hldgs Inc Financials

EIG

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Employers Hldgs Inc (EIG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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 2026-05-01

Employers Holdings runs on a liability-funded balance sheet where cash stayed sturdier than earnings as FY2025 profitability abruptly thinned.

Revenue was roughly flat, but net margin fell from 13.5% to 1.3%. Operating cash flow still came in at $44.7M, so the FY2025 squeeze hit reported profitability much harder than the underlying cash engine and does not read like a simple volume slump.

The balance sheet is liability-funded, not debt-funded: long-term debt was only $19M against total liabilities of $2.48B. That matters because a near-zero debt ratio can look conservative even when the business still carries a large pool of operating obligations that shape how it is financed year to year.

Cash rose to $159.8M even after $182.8M of buybacks, which means liquidity was rebuilt through investing inflows rather than from annual earnings alone. Operating cash flow of $44.7M still covered the $29.9M dividend, but it was nowhere near enough to fund both dividends and repurchases by itself.

Financial Health Signals

Financial Health Score 39/100

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 Hldgs 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

Premium Growth

Capital

Combined Ratio

Stability

Piotroski F-Score Partial

5/7

Employers Hldgs 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 Hldgs 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

$858.7M

YoY-2.5%

5Y CAGR+3.8%

10Y CAGR+1.3%

Employers Hldgs Inc generated $858.7M in revenue in fiscal year 2025. This represents a decrease of 2.5% from the prior year.

EBITDA

N/A

Net Income

$10.8M

YoY-90.9%

5Y CAGR-38.2%

10Y CAGR-19.5%

Employers Hldgs Inc reported $10.8M in net income in fiscal year 2025. This represents a decrease of 90.9% from the prior year.

EPS (Diluted)

$0.46

YoY-90.2%

5Y CAGR-35.0%

10Y CAGR-16.8%

Employers Hldgs Inc earned $0.46 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 90.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$44.6M

YoY-41.5%

5Y CAGR+6.3%

10Y CAGR-9.1%

Employers Hldgs Inc generated $44.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 41.5% from the prior year.

Cash & Debt

$159.8M

YoY+134.0%

5Y CAGR-0.1%

10Y CAGR+10.9%

Employers Hldgs Inc held $159.8M in cash against $19.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.26

YoY+6.8%

5Y CAGR+4.7%

10Y CAGR+18.0%

Employers Hldgs Inc paid $1.26 per share in dividends in fiscal year 2025. This represents an increase of 6.8% from the prior year.

Shares Outstanding

20M

YoY-17.2%

5Y CAGR-6.5%

10Y CAGR-4.5%

Employers Hldgs Inc had 20M shares outstanding in fiscal year 2025. This represents a decrease of 17.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

1.3%

YoY-12.2pp

5Y CAGR-15.6pp

10Y CAGR-11.3pp

Employers Hldgs Inc's net profit margin was 1.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 12.2 percentage points from the prior year.

Return on Equity

1.1%

YoY-10.0pp

5Y CAGR-8.8pp

10Y CAGR-11.3pp

Employers Hldgs Inc's ROE was 1.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 10.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$182.8M

YoY+329.1%

5Y CAGR+13.0%

Employers Hldgs Inc spent $182.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 329.1% from the prior year.

Capital Expenditures

$100K

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR-10.4%

Employers Hldgs Inc invested $100K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 0.0% from the prior year.

EIG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$858.7M-2.5%	$880.7M+3.5%	$850.9M+19.3%	$713.5M+1.5%	$703.1M-1.2%	$711.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$98.7M-9.4%	$108.9M-0.3%	$109.2M+13.0%	$96.6M	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$500K+400.0%	$100K-98.3%	$5.8M+65.7%	$3.5M+600.0%	$500K+25.0%	$400K
Income Tax	$1.2M-95.7%	$28.1M-7.3%	$30.3M+309.5%	$7.4M-73.3%	$27.7M-0.7%	$27.9M
Net Income	$10.8M-90.9%	$118.6M+0.4%	$118.1M+144.0%	$48.4M-59.4%	$119.3M-0.4%	$119.8M
EPS (Diluted)	$0.46-90.2%	$4.71+5.8%	$4.45+154.3%	$1.75-58.0%	$4.17+5.0%	$3.97

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$207.6M+21.8%	$170.5M-28.8%	$239.3M-2.8%	$246.3M+21.6%	$202.6M-6.5%	$216.6M-3.3%	$224.0M+3.2%	$217.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$25.0M+3.3%	$24.2M+5.2%	$23.0M-3.8%	$23.9M-13.4%	$27.6M+4.9%	$26.3M-2.6%	$27.0M+1.9%	$26.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.1M	N/A	$200K	N/A	$100K	N/A	N/A	N/A
Income Tax	$2.6M+141.3%	-$6.3M-117.2%	-$2.9M-139.7%	$7.3M+135.5%	$3.1M-51.6%	$6.4M0.0%	$6.4M-22.9%	$8.3M
Net Income	$10.2M+143.6%	-$23.4M-181.9%	-$8.3M-127.9%	$29.7M+132.0%	$12.8M-54.8%	$28.3M-6.6%	$30.3M-4.4%	$31.7M
EPS (Diluted)	$0.52	N/A	$-0.36-129.3%	$1.23+136.5%	$0.52	N/A	$1.21-3.2%	$1.25

EIG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.4B-3.0%	$3.5B-0.3%	$3.6B-4.5%	$3.7B-1.8%	$3.8B-3.6%	$3.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$159.8M+134.0%	$68.3M-69.8%	$226.4M+153.8%	$89.2M+18.8%	$75.1M-53.2%	$160.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$19.0M	$0	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
Retained Earnings	$1.5B-1.3%	$1.5B+6.4%	$1.4B+6.8%	$1.3B-3.2%	$1.3B+7.3%	$1.2B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.4B0.0%	$3.4B-2.5%	$3.5B-0.5%	$3.5B-0.4%	$3.6B+0.4%	$3.5B-2.1%	$3.6B+1.9%	$3.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$153.1M-4.2%	$159.8M-4.2%	$166.8M+141.4%	$69.1M-31.2%	$100.4M+47.0%	$68.3M-52.3%	$143.3M+50.1%	$95.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$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	$2.6B+3.6%	$2.5B-0.3%	$2.5B+1.1%	$2.5B-0.8%	$2.5B+0.3%	$2.5B-2.0%	$2.5B-0.1%	$2.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$125.0M+557.9%	$19.0M	N/A	N/A	N/A	$0	N/A	N/A
Total Equity	$866.5M-9.3%	$955.7M-8.0%	$1.0B-4.1%	$1.1B+0.7%	$1.1B+0.7%	$1.1B-2.3%	$1.1B+6.9%	$1.0B
Retained Earnings	$1.5B+0.3%	$1.5B-2.1%	$1.5B-1.1%	$1.5B+1.5%	$1.5B+0.4%	$1.5B+1.4%	$1.5B+1.6%	$1.4B

EIG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$44.7M-41.5%	$76.4M+54.7%	$49.4M-50.5%	$99.8M+824.1%	$10.8M-67.3%	$33.0M
Capital Expenditures	$100K0.0%	$100K	$0-100.0%	$100K-66.7%	$300K+200.0%	$100K
Free Cash Flow	$44.6M-41.5%	$76.3M+54.5%	$49.4M-50.5%	$99.7M+849.5%	$10.5M-68.1%	$32.9M
Investing Cash Flow	$225.9M+241.5%	-$159.7M-142.3%	$377.3M+358.2%	-$146.1M-8494.1%	-$1.7M-102.0%	$84.3M
Financing Cash Flow	-$179.1M-139.4%	-$74.8M+74.2%	-$289.5M-579.3%	$60.4M+164.0%	-$94.4M+15.6%	-$111.9M
Dividends Paid	$29.9M-1.3%	$30.3M+2.0%	$29.7M-67.1%	$90.3M+211.4%	$29.0M-4.9%	$30.5M
Share Buybacks	$182.8M+329.1%	$42.6M-44.0%	$76.1M+150.3%	$30.4M-28.6%	$42.6M-57.1%	$99.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$2.2M+214.3%	$700K-97.6%	$29.4M	$0-100.0%	$14.6M+11.5%	$13.1M-74.3%	$51.0M+335.9%	$11.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$12.3M-121.0%	$58.5M-51.7%	$121.2M+121100.0%	$100K-99.8%	$46.1M+165.9%	-$70.0M-688.2%	$11.9M+405.1%	-$3.9M
Financing Cash Flow	$3.4M+105.1%	-$66.2M-25.1%	-$52.9M-68.5%	-$31.4M-9.8%	-$28.6M-58.0%	-$18.1M-19.9%	-$15.1M+43.0%	-$26.5M
Dividends Paid	$6.3M-11.3%	$7.1M-4.1%	$7.4M-6.3%	$7.9M+5.3%	$7.5M0.0%	$7.5M+1.4%	$7.4M-2.6%	$7.6M
Share Buybacks	$79.3M-15.7%	$94.1M+107.3%	$45.4M+93.2%	$23.5M+18.7%	$19.8M+86.8%	$10.6M+39.5%	$7.6M-59.6%	$18.8M

EIG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1.3%-12.2pp	13.5%-0.4pp	13.9%+7.1pp	6.8%-10.2pp	17.0%+0.1pp	16.8%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.02+0.0	0.00-2.5	2.50-0.4	2.94+0.8	2.12-0.1	2.23
FCF Margin	5.2%-3.5pp	8.7%+2.8pp	5.8%-8.2pp	14.0%+12.5pp	1.5%-3.1pp	4.6%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	4.9%+18.6pp	-13.7%-10.2pp	-3.5%-15.5pp	12.1%+5.7pp	6.3%-6.8pp	13.1%-0.5pp	13.5%-1.1pp	14.6%
Return on Equity	1.2%+3.6pp	-2.4%-1.6pp	-0.8%-3.5pp	2.7%+1.6pp	1.2%-1.5pp	2.6%-0.1pp	2.8%-0.3pp	3.1%
Return on Assets	0.3%+1.0pp	-0.7%-0.4pp	-0.2%-1.1pp	0.8%+0.5pp	0.4%-0.4pp	0.8%-0.0pp	0.8%-0.1pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.14+0.1	0.02-2.4	2.39+0.1	2.27-0.0	2.31+2.3	0.00-2.3	2.31-0.2	2.47
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Employers Hldgs Inc's annual revenue?

Employers Hldgs 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 Hldgs Inc's revenue growing?

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

Is Employers Hldgs Inc profitable?

Yes, Employers Hldgs 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 Hldgs Inc have?

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

What is Employers Hldgs Inc's net profit margin?

Employers Hldgs 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 Hldgs Inc pay dividends?

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

What is Employers Hldgs Inc's return on equity (ROE)?

Employers Hldgs 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 Hldgs Inc's free cash flow?

Employers Hldgs 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 Hldgs Inc's operating cash flow?

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

What are Employers Hldgs Inc's total assets?

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

What are Employers Hldgs Inc's capital expenditures?

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

Does Employers Hldgs Inc buy back shares?

Yes, Employers Hldgs 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 Hldgs Inc have outstanding?

Employers Hldgs Inc (EIG) had 20M shares outstanding as of fiscal year 2025.

What is Employers Hldgs Inc's debt-to-equity ratio?

Employers Hldgs 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 Hldgs Inc's return on assets (ROA)?

Employers Hldgs 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 Hldgs Inc's Piotroski F-Score?

Employers Hldgs 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 Hldgs Inc's earnings high quality?

Employers Hldgs 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 Hldgs Inc?

Employers Hldgs Inc (EIG) scores 39 out of 100 on our Financial Health Score, indicating weak 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.