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Employers Holdings, Inc.

EIG

$49.52 ▼ -1.09 (-2.16%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bullish

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Analytical Summary

Employers Holdings, Inc. shows strong fundamentals with top-quartile Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.2B

Dividend Yield 2.54%

Revenue Growth -2.5% ↘

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 107.7x

Price / Book 1.1x

FCF Yield —

Debt / Equity 0.04

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$858.70M

↓ -2.5% —

Net Income Profit after all expenses

$10.80M

↓ -90.9% —

Long-Term Debt Long-term obligations

$19.00M

— —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health

Dividend History

Dividend / share · sourced from SEC filings

$1.26 Latest / share

+6.8% YoY

+16.3% 12-yr CAGR

$0.24

FY 2014

$0.24

FY 2015

$0.36

FY 2016

$0.60

FY 2017

$0.80

FY 2018

$0.88

FY 2019

$1.00

FY 2020

$1.00

FY 2021

$3.28

FY 2022

$1.10

FY 2023

$1.18

FY 2024

$1.26

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	-2.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-142%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	19.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+221%)	1.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-75%)	-1.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-119%)	-14.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-348%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	-0.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-102%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	-2.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-146%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	24.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+316%)	24.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+313%)	11.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+95%)	-16.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-370%)	—	—
EPS Growth YoY (%)	-90.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	154.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-58.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-18.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	38.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-5.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	11.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-7.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	55.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-39.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	161.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-14.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-16.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-90.9% Weak ↓ Weak Declining Year-over-year change in net income	0.4% Caution ↓ Caution Declining Year-over-year change in net income	144.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-59.4% Weak ↓ Weak Declining Year-over-year change in net income	-0.4% Weak ↓ Weak Declining Year-over-year change in net income	-23.7% Weak ↓ Weak Declining Year-over-year change in net income	11.2% Fair ↓ Fair Declining Year-over-year change in net income	39.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.2% Weak ↓ Weak Declining Year-over-year change in net income	13.0% Fair ↑ Fair Improving Year-over-year change in net income	-6.3% Weak ↓ Weak Declining Year-over-year change in net income	57.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-40.3% Weak ↓ Weak Declining Year-over-year change in net income	121.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-23.1% Weak Weak Year-over-year change in net income	-24.4% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) 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	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-5.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-4.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	18.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	20.3% Excellent Excellent Compound annual revenue growth over 3 years	5.3% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.2% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-2.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.9% Good → Good Stable Compound annual revenue growth over 5 years	12.6% Excellent Excellent Compound annual revenue growth over 5 years	9.3% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-36.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.9% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	3.8% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-28.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-0.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.8% Fair → Fair Stable Compound annual EPS growth over 3 years	14.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	13.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	17.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-4.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	34.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.5% Good Good Compound annual EPS growth over 3 years	23.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Profit Margin (%) (%)	1.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	13.9% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	6.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	17.0% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	16.8% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	18.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	17.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	12.6% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	13.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	12.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	13.0% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	8.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	10.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	15.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	16.7% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—
FCF Margin (%) (%) 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	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) 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	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) 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	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	5.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	9.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	13.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	10.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	12.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	12.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	14.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	11.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	19.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+65%)	10.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	12.8% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	16.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+39%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.04x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) 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	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) 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	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) 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	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$36.72	$35.16	$32.27	$25.94	$24.85	$23.78	$26.02	$24.34	$24.66	$24.04	$23.45	$24.53	$23.23	$18.40	$12.45	$10.04	$10.79	—
Basic EPS, GAAP (USD)	$0.46	$4.73	$4.48	$1.76	$4.22	$4.01	$4.89	$4.30	$3.11	$3.29	$2.94	$3.19	$2.05	$3.40	$1.30	$1.52	$1.81	—
Free Cash Flow per Share (USD) 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	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.26	$1.18	$1.10	$3.28	$1.00	$1.00	$0.88	$0.80	$0.60	$0.36	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	—
Book Value per Share (USD)	$46.98	$43.52	$39.96	$34.76	$43.73	$42.46	$37.18	$31.08	$29.07	$26.16	$23.62	$21.81	$18.17	$17.53	$14.37	$12.58	$10.85	—
Tangible Book Value per Share (USD)	$44.53	$41.49	$38.00	$32.93	$41.93	$40.71	$35.59	$29.74	$27.72	$24.78	$22.23	$20.37	$16.70	$16.01	$12.92	$11.31	$10.85	—
Basic Weighted Avg Shares (shares)	23.39M	25.05M	26.37M	27.50M	28.29M	29.91M	32.12M	32.88M	32.50M	32.43M	32.07M	31.53M	31.14M	31.48M	37.28M	41.39M	45.95M	—
Dividend Payout Ratio (%)	273.9% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	24.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	186.4% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	8.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	7.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	7.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	15.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	13.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) 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	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$19.00M	$0.00	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$955.70M	$1.07B	$1.01B	$944.20M	$1.21B	$1.21B	$1.17B	$1.02B	$947.70M	$840.60M	$760.80M	$686.80M	$568.70M	$539.38M	$474.20M	$490.12M	$498.40M	$444.73M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$858.70M	$880.70M	$850.90M	$713.50M	$703.10M	$711.40M	$835.90M	$800.40M	$801.40M	$779.80M	$752.10M	$773.50M	$723.58M	$579.18M	$464.15M	$415.60M	$495.94M	—
Depreciation Expense (USD)	$14.20M	$16.70M	$4.80M	$5.30M	$7.40M	$8.20M	$9.00M	$6.30M	$8.20M	$8.50M	$8.30M	$7.00M	$6.08M	$5.60M	$6.39M	$7.10M	$9.90M	—
Net Income, GAAP (USD)	$10.80M	$118.60M	$118.10M	$48.40M	$119.30M	$119.80M	$157.10M	$141.30M	$101.20M	$106.70M	$94.40M	$100.70M	$63.82M	$106.89M	$48.31M	$62.80M	$83.02M	—
Operating Cash Flow (USD)	$44.70M	$76.40M	$49.40M	$99.80M	$10.80M	$33.00M	$123.10M	$180.20M	$142.30M	$122.80M	$116.40M	$171.90M	$163.72M	$131.25M	$43.22M	$56.98M	$40.75M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Premiums Earned (USD)	$761.90M	$749.50M	$721.90M	$675.20M	$574.40M	$615.30M	$695.80M	$731.10M	$716.50M	$694.80M	$690.40M	$684.50M	$642.35M	$501.46M	$363.42M	$321.79M	$404.25M	—
Loss Ratio (%) (%)	76.4%	60.9%	56.2%	57.9%	54.9%	49.1%	52.6%	51.5%	58.2%	60.1%	62.2%	66.2%	72.2%	57.4%	72.8%	60.5%	53.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 71 quarters

Employers Holdings, Inc.

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