EIG

BEARISH

$41.86 Live

Employers Holdings, Inc. · NYSE

Target $46.0 (+9.9%)

$35.73 52W Range $50.37

EIG Employers Holdings, Inc. - Fundamental Analysis

BEARISH

Console Chart News

EIG Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Insurance - Specialty

Current Price Live

$41.86

Analyst Target

$46.0

+9.9% Upside

52W High

$50.37

52W Low

$35.73

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 26, 2026

Market cap

$815.52M

P/E

91.0

ROE

1.1%

Profit margin

1.3%

Debt/Equity

0.04

Dividend yield

3.06%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

EIG presents a precarious financial profile characterized by a stable but mediocre Piotroski F-Score of 4/9 and a significant valuation gap, with the current price ($41.86) trading well above the Graham Number ($22.05) and Intrinsic Value ($3.22). While the company maintains a very low debt-to-equity ratio, it is plagued by sharply negative revenue growth (-21.30%) and an unsustainable dividend payout ratio of 273.91%. The combination of bearish insider selling, a 0/100 technical trend, and poor liquidity (Current Ratio 0.45) outweighs the optimistic analyst target price.

Key Strengths

Very low Debt/Equity ratio (0.04)

Price-to-Book ratio below 1.0 (0.89)

Positive 5-year price change (+25.5%)

Forward P/E (16.86) is significantly lower than trailing P/E

Analyst consensus remains a 'Buy' with a target of $46.00

Key Risks

Unsustainable dividend payout ratio (273.91%)

Significant negative revenue growth (-21.30% YoY)

Poor short-term liquidity (Current Ratio 0.45, Quick Ratio 0.26)

Extreme trailing P/E ratio (91.00) indicating earnings collapse

Bearish insider sentiment and technical trend (0/100)

AI Fair Value Estimate

Based on comprehensive analysis

$22.05

-47.3% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Overvalued

Key drivers: Negative revenue growth, Dividend insolvency risk, Price vs Graham Number divergence

Confidence

90%

Value

30/100

Ref P/E, PEG, Graham Number

Positives

P/B < 1

Watchpoints

Price far exceeds Graham Number ($22.05)
Trailing P/E of 91.00

Future

20/100

Ref Growth rates

Positives

Forward P/E suggests earnings recovery

Watchpoints

Revenue growth -21.30%
Q/Q Revenue growth -21.28%

Past

50/100

Ref Historical trends

Positives

Long term 5Y growth is positive

Watchpoints

1Y return is -11.8%
Recent earnings surprises are highly volatile

Health

45/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Extremely low Debt/Equity (0.04)

Watchpoints

Piotroski F-Score 4/9 (Stable but mediocre)
Current Ratio 0.45 indicates liquidity stress

Dividend

10/100

Ref Yield, Payout

Positives

3.06% yield

Watchpoints

Payout ratio of 273.91% is fundamentally unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$41.86

Analyst Target

$46.0

Upside/Downside

+9.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for EIG and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
EIG Employers Holdings, Inc. Primary	+25.5%	+7.4%	-11.8%	+2.3%	+4.5%	-2.0%
FMNB Farmers National Banc Corp. Peer	+5.8%	+41.0%	+12.9%	+0.8%	+6.7%	-1.9%
PRAA PRA Group, Inc. Peer	-42.8%	-43.5%	+24.0%	+55.9%	+20.3%	+10.3%
HTBK Heritage Commerce Corp Peer	+39.7%	+91.7%	+72.2%	+45.8%	+11.2%	+5.0%
TRST TrustCo Bank Corp NY Peer	+55.7%	+81.2%	+70.4%	+30.7%	+9.3%	-0.6%

EIG

Employers Holdings, Inc.

Primary

+25.5%

+7.4%

-11.8%

+2.3%

+4.5%

-2.0%

FMN

Farmers National Banc Corp.

Peer

+5.8%

+41.0%

+12.9%

+0.8%

+6.7%

-1.9%

PRA

PRA Group, Inc.

Peer

-42.8%

-43.5%

+24.0%

+55.9%

+20.3%

+10.3%

HTB

Heritage Commerce Corp

Peer

+39.7%

+91.7%

+72.2%

+45.8%

+11.2%

+5.0%

TRS

TrustCo Bank Corp NY

Peer

+55.7%

+81.2%

+70.4%

+30.7%

+9.3%

-0.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

91.0

16.86

1.32

0.89

0.95

0.8

39.8

$815.52M

Profitability

Profit margins and return metrics

Profit Margin 1.26%

Operating Margin -17.24%

Gross Margin 1.58%

ROE 1.07%

ROA 0.24%

Growth

Revenue and earnings growth rates

Revenue Growth -21.3%

Earnings Growth N/A

Q/Q Revenue Growth -21.28%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.04

Low debt

Current Ratio

0.45

Weak

Quick Ratio

0.26

Poor

Cash/Share

$8.72

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.2B

Net Margin

-13.7%

Total Assets

$3.4B

Liabilities

$2.5B

Equity

$1.0B

Debt/Equity

2.60x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

71%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29

$N/A

2026-02-19

$0.66

+32.0% surprise

2025-10-30

$-1.1

-284.4% surprise

2025-07-30

$0.48

-50.3% surprise

Financial Services Sector Comparison

Comparing EIG against 697 companies in the Financial Services sector (120 bullish, 285 neutral, 292 bearish)

P/E Ratio

91.0

This Stock

38.65

Sector Avg

+135.4% (Expensive)

Return on Equity (ROE)

1.07%

This Stock

-2.77%

Sector Avg

-138.6% (Below Avg)

Profit Margin

1.26%

This Stock

60.34%

Sector Avg

-97.9% (Weaker)

Debt to Equity

0.04

This Stock

1.43

Sector Avg

-97.1% (Less Debt)

Revenue Growth

-21.3%

This Stock

39.95%

Sector Avg

-153.3% (Slower)

Current Ratio

0.45

This Stock

3.42

Sector Avg

-86.7% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
EIG Employers Holdings, Inc.	BEARISH	$815.52M	91.0	1.1%	1.3%	$41.86
FMNB Farmers National Banc Corp.	BULLISH	$809.7M	9.65	12.2%	30.1%	$13.7	Compare
PRAA PRA Group, Inc.	NEUTRAL	$822.84M	-	-26.0%	-25.4%	$21.09	Compare
HTBK Heritage Commerce Corp	BULLISH	$823.5M	17.14	6.8%	24.4%	$13.37	Compare
TRST TrustCo Bank Corp NY	NEUTRAL	$825.49M	14.34	9.0%	32.8%	$46.61	Compare

EIG Employers Holdings, Inc.

BEARISH

Mkt Cap

$816M

P/E

91.0

ROE

1.1%

Price

$41.86

Compare with EIG

Compare with EIG

HTBK Heritage Commerce Corp

Compare with EIG

TRST TrustCo Bank Corp NY

Compare with EIG

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-10	OZUNA CHRISTINA M	Officer	Sale	4,500	$179,460
2026-03-09	POLLAK MATTHEW ROBERT	Officer	Stock Award	1,520	-
2026-03-09	POLLAK MATTHEW ROBERT	Officer	Stock Award	2,040	-
2026-03-09	ANTONELLO KATHERINE H.	Chief Executive Officer	Stock Award	19,900	-
2026-03-09	MUTSCHINK JOHN M	Officer	Stock Award	4,140	-
2026-03-09	KAGE KELLEY F	Chief Technology Officer	Stock Award	4,140	-
2026-03-09	OZUNA CHRISTINA M	Officer	Stock Award	2,900	-
2026-03-09	SMITH ANN MARIE	Officer	Stock Award	3,320	-
2026-03-09	SMITH ANN MARIE	Officer	Sale	5,000	$196,450
2026-03-09	PEDRAJA MICHAEL A.	Chief Financial Officer	Stock Award	5,800	-
2026-03-09	CHAMPLIN CHRISTOPHER CRAIG	Officer	Stock Award	2,900	-
2026-02-24	PEDRAJA MICHAEL A.	Chief Financial Officer	Purchase	2,000	$79,460
2026-02-23	ANTONELLO KATHERINE H.	Chief Executive Officer	Stock Award	23,099	-
2026-02-23	MUTSCHINK JOHN M	Officer	Stock Award	4,179	-
2026-02-23	OZUNA CHRISTINA M	Officer	Stock Award	1,599	-

OZUNA CHRISTINA M

Officer

Sell

2026-03-10

4,500 shares · $179,460

POLLAK MATTHEW ROBERT

Officer

Stock Award

2026-03-09

1,520 shares

POLLAK MATTHEW ROBERT

Officer

Stock Award

2026-03-09

2,040 shares

ANTONELLO KATHERINE H.

Chief Executive Officer

Stock Award

2026-03-09

19,900 shares

MUTSCHINK JOHN M

Officer

Stock Award

2026-03-09

4,140 shares

KAGE KELLEY F

Chief Technology Officer

Stock Award

2026-03-09

4,140 shares

OZUNA CHRISTINA M

Officer

Stock Award

2026-03-09

2,900 shares

SMITH ANN MARIE

Officer

Stock Award

2026-03-09

3,320 shares

SMITH ANN MARIE

Officer

Sell

2026-03-09

5,000 shares · $196,450

PEDRAJA MICHAEL A.

Chief Financial Officer

Stock Award

2026-03-09

5,800 shares

CHAMPLIN CHRISTOPHER CRAIG

Officer

Stock Award

2026-03-09

2,900 shares

PEDRAJA MICHAEL A.

Chief Financial Officer

Buy

2026-02-24

2,000 shares · $79,460

ANTONELLO KATHERINE H.

Chief Executive Officer

Stock Award

2026-02-23

23,099 shares

MUTSCHINK JOHN M

Officer

Stock Award

2026-02-23

4,179 shares

OZUNA CHRISTINA M

Officer

Stock Award

2026-02-23

1,599 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-04-16

EIG filed a Definitive Proxy Statement on April 16, 2026, providing shareholders with necessary information to vote on matters at the company's annual meeting.

10-K

2026-02-26

Employers Holdings, Inc. (EIG) identifies key operational risks including inflation, interest rate fluctuations, and labor market expectations. The company's financial performance is further subject to insurance-specific variables such as loss costs, claim trends, and legislative or regulatory actions.

8-K

2026-02-19

EIG filed a Form 8-K on February 19, 2026, likely to announce its quarterly financial results.

10-Q

2025-10-31

EIG's 10-Q filing dated October 31, 2025, includes disclosures regarding risk factors, unregistered sales of equity securities, and defaults upon senior securities. No specific financial performance metrics were provided in the available excerpts.

8-K

2025-10-30

EIG filed an 8-K on October 30, 2025, likely to announce its third-quarter financial results.

8-K

2025-08-04

10-Q

2025-08-01

EIG's 10-Q filing dated August 1, 2025, indicates potential financial instability, specifically noting sections regarding defaults on senior securities and unregistered sales of equity. The inclusion of mine safety disclosures further identifies the company's operational risk exposure within the mining sector.

8-K

2025-07-30

EIG filed an 8-K on July 30, 2025, likely to announce its second-quarter financial results.

8-K

2025-06-13

8-K

2025-05-23

10-Q

2025-05-02

8-K

2025-05-01

DEF 14A

2025-04-10

8-K

2025-03-03

10-K

2025-02-28

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning EIG from our newsroom.

Newest → oldest

Back to All Stocks

TradingGPT V2 Copilot

Fundamentals • Valuation • Risk

Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends

EIG

EIG Employers Holdings, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

Wait — Don't Miss Out!