# Employers Holdings Inc (EIG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $49.65, market value $892 million.

## Valuation
- **P/E (trailing): 62.8×** (5-yr avg 28.3×, 3-yr avg 37.0×). Employers Holdings Inc trades at 62.8× trailing earnings, well above its own five-year average of 28.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 19.5×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 1.1×**. Each dollar of revenue is priced at 1.1×.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 1.6%**. The inverse of the P/E: 1.6% of the price is earned each year.

## Profitability
- **Net margin: 1.3%**. 1.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 1.1%**. 1.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.2%**. Each dollar of assets produces 0.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -2.5%** (3-yr 6.4%/yr, 5-yr 3.8%/yr). Revenue fell 2.5% over the last year, against 3.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -90.2%** (3-yr -35.9%/yr, 5-yr -35.0%/yr). Earnings per share fell 90.2%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -23.5%/yr**. Free cash flow has compounded at -23.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $160 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.74%** ($1.30 per share, trailing). Employers Holdings Inc yields 2.74%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 277%**. The dividend exceeds earnings (277% payout), which is rarely sustainable outside REITs and one-off years.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 4.7%/yr** (1-yr 6.8%). The dividend has grown 4.7% a year over five years.

## Price and momentum
- **Total return (1 yr): 17.3%** (YTD 16.9%, 3-mo 6.7%). The shares are up 17.3% over twelve months including dividends.
- **From 52-week high: -5.6%** (39.0% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): -0.11** (volatility 24%). Beta of -0.11 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=EIG · Page: https://foliofundamentals.com/stocks/eig

Not investment advice.