EMPLOYERS HOLDINGS INC (EIG)
Financials · Workers' compensation insurance · NYSE
Employers Holdings is a focused workers' compensation insurance carrier serving small and mid-sized businesses with emphasis on service and ease of doing business.
What EMPLOYERS HOLDINGS INC does
Employers Holdings, Inc. is a specialty insurance company that underwrites and sells workers' compensation insurance policies, serving primarily small and mid-sized businesses. The company earns revenue through net premiums earned, investment income, and underwriting operations, with a focus on underwriting accuracy, claims management, and policyholder service rather than competing solely on price. The company operates in a single line of business (workers' compensation insurance) and competes on service quality, financial strength, and operational reliability rather than as a multi-line carrier.
Themes: ["Workers' compensation insurance","Specialty insurance","Risk pricing and underwriting","Insurance services and claims management","Policyholder retention and service"]
Fundamentals
- Price$50.51 as of 2026-07-09 close
- Market cap$923M as of 2026-07-10
- 1-year return+8.5% as of 2026-07-09 close
- P/E112.62 as of 2026-07-10
- Net margin+0.9% as of 2026-07-10
- ROE+0.8% as of 2026-07-10
- Debt / equity0.14 as of 2026-07-10
- Revenue growth (YoY)+0.4% as of 2026-07-10
- Revenue CAGR (3y)+6.4% SEC XBRL
- Beta0.49 as of 2026-07-10
Dividend: yield +2.7%; 3-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Pricing accuracy risk: inaccurate loss estimates, claims fraud, or reliance on incomplete policyholder information could lead to underpricing policies and material adverse impact on profitability","Intense competitive pressure in workers' compensation market with larger multi-line competitors able to offer lower bundled pricing and greater resources for innovation and market expansion","Cyclical industry dynamics: soft market conditions with falling rates and declining profit margins could pressure underwriting results and the company's financial performance"]
Competitors & peers
- State insurance funds
- Regional workers' compensation insurers
- National insurance companies offering workers' compensation
- Professional employer organizations (PEOs)
- Third-party administrators (TPAs)
- Multi-line carriers with workers' compensation offerings
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.