Employers Holdings, Inc. Logo

Employers Holdings, Inc.

EIG

(2.2)
Stock Price

47,75 USD

3.44% ROA

12.24% ROE

8.58x PER

Market Cap.

1.016.739.271,00 USD

4.4% DER

2.78% Yield

13.88% NPM

Employers Holdings, Inc. Stock Analysis

Employers Holdings, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Employers Holdings, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (4%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

The stock's ROE falls within an average range (12.64%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (3.44%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.07x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (238) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Employers Holdings, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Employers Holdings, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Employers Holdings, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Employers Holdings, Inc. Revenue
Year Revenue Growth
2002 208.535.000
2003 331.113.000 37.02%
2004 456.655.000 27.49%
2005 496.486.000 8.02%
2006 520.250.000 4.57%
2007 429.923.000 -21.01%
2008 396.778.000 -8.35%
2009 495.935.000 19.99%
2010 415.604.000 -19.33%
2011 464.154.000 10.46%
2012 579.182.000 19.86%
2013 723.581.000 19.96%
2014 773.467.000 6.45%
2015 752.100.000 -2.84%
2016 779.800.000 3.55%
2017 799.300.000 2.44%
2018 800.400.000 0.14%
2019 835.900.000 4.25%
2020 711.400.000 -17.5%
2021 703.100.000 -1.18%
2022 713.500.000 1.46%
2023 814.000.000 12.35%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Employers Holdings, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Employers Holdings, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 187.500.000 100%
2020 181.300.000 -3.42%
2021 160.200.000 -13.17%
2022 167.300.000 4.24%
2023 174.000.000 3.85%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Employers Holdings, Inc. EBITDA
Year EBITDA Growth
2002 33.495.000
2003 99.942.000 66.49%
2004 106.575.000 6.22%
2005 170.215.000 37.39%
2006 263.940.000 35.51%
2007 163.722.000 -61.21%
2008 121.412.000 -34.85%
2009 109.606.000 -10.77%
2010 79.113.000 -38.54%
2011 56.237.000 -40.68%
2012 106.649.000 47.27%
2013 62.500.000 -70.64%
2014 116.559.000 46.38%
2015 110.400.000 -5.58%
2016 150.800.000 26.79%
2017 153.600.000 1.82%
2018 177.300.000 13.37%
2019 201.900.000 12.18%
2020 155.100.000 -30.17%
2021 153.000.000 -1.37%
2022 64.600.000 -136.84%
2023 69.200.000 6.65%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Employers Holdings, Inc. Gross Profit
Year Gross Profit Growth
2002 208.535.000
2003 331.113.000 37.02%
2004 456.655.000 27.49%
2005 496.486.000 8.02%
2006 432.424.000 -14.81%
2007 338.524.000 -27.74%
2008 294.319.000 -15.02%
2009 357.248.000 17.61%
2010 309.578.000 -15.4%
2011 363.437.000 14.82%
2012 478.465.000 24.04%
2013 598.257.000 20.02%
2014 644.300.000 7.15%
2015 -134.447.900.000 100.48%
2016 643.700.000 20986.73%
2017 659.400.000 2.38%
2018 641.900.000 -2.73%
2019 835.900.000 23.21%
2020 711.400.000 -17.5%
2021 703.100.000 -1.18%
2022 713.500.000 1.46%
2023 814.000.000 12.35%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Employers Holdings, Inc. Net Profit
Year Net Profit Growth
2002 32.661.000
2003 96.222.000 66.06%
2004 95.567.000 -0.69%
2005 137.598.000 30.55%
2006 171.570.000 19.8%
2007 120.283.000 -42.64%
2008 101.785.000 -18.17%
2009 83.021.000 -22.6%
2010 62.799.000 -32.2%
2011 47.763.000 -31.48%
2012 106.891.000 55.32%
2013 63.824.000 -67.48%
2014 100.684.000 36.61%
2015 94.400.000 -6.66%
2016 106.700.000 11.53%
2017 101.200.000 -5.43%
2018 141.300.000 28.38%
2019 157.100.000 10.06%
2020 119.800.000 -31.14%
2021 119.300.000 -0.42%
2022 48.400.000 -146.49%
2023 56.000.000 13.57%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Employers Holdings, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 2 100%
2004 2 0%
2005 3 50%
2006 3 33.33%
2007 2 -50%
2008 2 0%
2009 2 -100%
2010 2 0%
2011 1 0%
2012 3 66.67%
2013 2 -50%
2014 3 33.33%
2015 3 -50%
2016 3 33.33%
2017 3 0%
2018 4 25%
2019 5 0%
2020 4 0%
2021 4 0%
2022 2 -300%
2023 2 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Employers Holdings, Inc. Free Cashflow
Year Free Cashflow Growth
2005 258.098.000
2006 112.176.000 -130.08%
2007 115.190.000 2.62%
2008 63.388.000 -81.72%
2009 36.069.000 -75.74%
2010 55.076.000 34.51%
2011 38.528.000 -42.95%
2012 126.655.000 69.58%
2013 160.009.000 20.85%
2014 160.098.000 0.06%
2015 104.900.000 -52.62%
2016 117.800.000 10.95%
2017 134.100.000 12.16%
2018 170.000.000 21.12%
2019 111.000.000 -53.15%
2020 27.800.000 -299.28%
2021 7.200.000 -286.11%
2022 97.200.000 92.59%
2023 24.400.000 -298.36%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Employers Holdings, Inc. Operating Cashflow
Year Operating Cashflow Growth
2005 258.098.000
2006 121.811.000 -111.88%
2007 120.154.000 -1.38%
2008 67.314.000 -78.5%
2009 40.751.000 -65.18%
2010 56.981.000 28.48%
2011 43.215.000 -31.85%
2012 131.771.000 67.2%
2013 163.725.000 19.52%
2014 169.397.000 3.35%
2015 116.400.000 -45.53%
2016 122.800.000 5.21%
2017 142.300.000 13.7%
2018 180.200.000 21.03%
2019 123.100.000 -46.39%
2020 33.300.000 -269.67%
2021 10.800.000 -208.33%
2022 99.800.000 89.18%
2023 25.300.000 -294.47%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Employers Holdings, Inc. Capital Expenditure
Year Capital Expenditure Growth
2005 0
2006 9.635.000 100%
2007 4.964.000 -94.1%
2008 3.926.000 -26.44%
2009 4.682.000 16.15%
2010 1.905.000 -145.77%
2011 4.687.000 59.36%
2012 5.116.000 8.39%
2013 3.716.000 -37.67%
2014 9.299.000 60.04%
2015 11.500.000 19.14%
2016 5.000.000 -130%
2017 8.200.000 39.02%
2018 10.200.000 19.61%
2019 12.100.000 15.7%
2020 5.500.000 -120%
2021 3.600.000 -52.78%
2022 2.600.000 -38.46%
2023 900.000 -188.89%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Employers Holdings, Inc. Equity
Year Equity Growth
2002 -227.949.000
2003 -104.459.000 -118.22%
2004 9.750.000 1171.37%
2005 144.607.000 93.26%
2006 303.777.000 52.4%
2007 379.453.000 19.94%
2008 444.728.000 14.68%
2009 498.399.000 10.77%
2010 490.116.000 -1.69%
2011 473.636.000 -3.48%
2012 539.381.000 12.19%
2013 568.703.000 5.16%
2014 686.844.000 17.2%
2015 760.800.000 9.72%
2016 840.600.000 9.49%
2017 947.700.000 11.3%
2018 1.018.200.000 6.92%
2019 1.165.800.000 12.66%
2020 1.212.800.000 3.88%
2021 1.213.100.000 0.02%
2022 944.200.000 -28.48%
2023 919.000.000 -2.74%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Employers Holdings, Inc. Assets
Year Assets Growth
2002 2.683.916.000
2003 2.738.295.000 1.99%
2004 2.935.686.000 6.72%
2005 3.094.229.000 5.12%
2006 3.195.725.000 3.18%
2007 3.191.228.000 -0.14%
2008 3.756.713.000 15.05%
2009 3.676.653.000 -2.18%
2010 3.480.120.000 -5.65%
2011 3.482.988.000 0.08%
2012 3.511.339.000 0.81%
2013 3.643.449.000 3.63%
2014 3.769.655.000 3.35%
2015 3.755.800.000 -0.37%
2016 3.773.400.000 0.47%
2017 3.840.100.000 1.74%
2018 3.919.200.000 2.02%
2019 4.004.100.000 2.12%
2020 3.922.600.000 -2.08%
2021 3.783.200.000 -3.68%
2022 3.716.700.000 -1.79%
2023 3.527.000.000 -5.38%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Employers Holdings, Inc. Liabilities
Year Liabilities Growth
2002 2.911.865.000
2003 2.842.754.000 -2.43%
2004 2.925.936.000 2.84%
2005 2.949.622.000 0.8%
2006 2.891.948.000 -1.99%
2007 2.811.775.000 -2.85%
2008 3.311.985.000 15.1%
2009 3.178.254.000 -4.21%
2010 2.990.004.000 -6.3%
2011 3.009.352.000 0.64%
2012 2.971.958.000 -1.26%
2013 3.074.746.000 3.34%
2014 3.082.811.000 0.26%
2015 2.995.000.000 -2.93%
2016 2.932.800.000 -2.12%
2017 2.892.400.000 -1.4%
2018 2.901.000.000 0.3%
2019 2.838.300.000 -2.21%
2020 2.709.800.000 -4.74%
2021 2.570.100.000 -5.44%
2022 2.772.500.000 7.3%
2023 2.608.000.000 -6.31%

Employers Holdings, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
32.6
Net Income per Share
4.61
Price to Earning Ratio
8.58x
Price To Sales Ratio
1.2x
POCF Ratio
18.98
PFCF Ratio
19.48
Price to Book Ratio
1.12
EV to Sales
1.12
EV Over EBITDA
6.26
EV to Operating CashFlow
17.53
EV to FreeCashFlow
18.16
Earnings Yield
0.12
FreeCashFlow Yield
0.05
Market Cap
1,02 Bil.
Enterprise Value
0,95 Bil.
Graham Number
60.55
Graham NetNet
-70.87

Income Statement Metrics

Net Income per Share
4.61
Income Quality
0.45
ROE
0.13
Return On Assets
0.04
Return On Capital Employed
0.14
Net Income per EBT
0.8
EBT Per Ebit
0.61
Ebit per Revenue
0.29
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.36
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.29
Pretax Profit Margin
0.17
Net Profit Margin
0.14

Dividends

Dividend Yield
0.03
Dividend Yield %
2.78
Payout Ratio
0.53
Dividend Per Share
1.1

Operating Metrics

Operating Cashflow per Share
2.08
Free CashFlow per Share
2.01
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0
Capex to Depreciation
-0.39
Return on Invested Capital
0.13
Return on Tangible Assets
0.03
Days Sales Outstanding
350.95
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.04
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.07

Balance Sheet

Cash per Share
6,00
Book Value per Share
35,37
Tangible Book Value per Share
33.45
Shareholders Equity per Share
35.37
Interest Debt per Share
1.83
Debt to Equity
0.04
Debt to Assets
0.01
Net Debt to EBITDA
-0.45
Current Ratio
2.48
Tangible Asset Value
0,87 Bil.
Net Current Asset Value
-2,45 Bil.
Invested Capital
0.04
Working Capital
0,09 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,81 Bil.
Average Payables
0,02 Bil.
Average Inventory
0
Debt to Market Cap
0.04

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Employers Holdings, Inc. Dividends
Year Dividends Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 100%
2021 1 0%
2022 3 66.67%
2023 1 -200%

Employers Holdings, Inc. Profile

About Employers Holdings, Inc.

Employers Holdings, Inc., through its subsidiaries, operates in the commercial property and casualty insurance industry primarily in the United States. It offers workers' compensation insurance to small businesses in low to medium hazard industries. The company markets its products through independent local, regional, and national agents and brokers; alternative distribution channels; and national, regional, and local trade groups and associations, as well as directly to customers. Employers Holdings, Inc. was founded in 2000 and is based in Reno, Nevada.

CEO
Ms. Katherine Holt Antonello F
Employee
717
Address
10375 Professional Circle
Reno, 89521

Employers Holdings, Inc. Executives & BODs

Employers Holdings, Inc. Executives & BODs
# Name Age
1 Mr. Ty Vukelich
Vice President of Corporate Marketing
70
2 Ms. Ann Marie Smith
Senior Vice President & Chief Underwriting Officer
70
3 Ms. Katherine Holt Antonello FCAS, FSA, MAAA
President, Chief Executive Officer & Director
70
4 Ms. Lori Ann Brown
Executive Vice President, Chief Legal Officer, General Counsel & Corporate Secretary
70
5 Mr. Matthew H. Hendricksen
Senior Vice President of Treasury & Investments
70
6 Ms. Christina Marie Ozuna
Senior Vice President & Chief Claims Officer
70
7 Ms. Kelley F. Kage
Senior Vice President & Chief Information Officer
70
8 Mr. John Michael Mutschink
Executive Vice President & Chief Administrative Officer
70
9 Ms. Lindsey M. Rynard
Senior Vice President & Chief Sales Officer
70
10 Mr. Michael Scott Paquette
Executive Vice President, Chief Financial Officer & Treasurer
70

Employers Holdings, Inc. Competitors