Stocks · Financial Services · Insurance - Specialty
Employers Holdings, Inc. EIG
$49.13 +0.99% Close, Oct 2, 2026 · NYSE · Market cap $1.02B
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $0.68, down 83.4% year over year.
- Operating margin narrowed to 0.8% from 14.0% a year earlier.
- The diluted share count fell 24.2% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 16%
- EPS growth (TTM, YoY)Bottom 9%
- FCF growth (TTM, YoY)Bottom 8%
- Revenue growth, 3-year CAGRBottom 19%
- Revenue growth accelerationBottom 22%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 33%
- Gross marginBottom 14%
- Operating marginBottom 12%
- Cash conversion (OCF / net income)Top 11%
- Accruals (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Top 43%
- Interest coverTop 28%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 18%
- Free-cash-flow yieldBottom 28%
- EBITDA / enterprise valueBottom 29%
- Sales / enterprise valueTop 14%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 41%
- 6-month returnTop 25%
- 1-year return vs S&P 500Top 36%
- Distance from 52-week highTop 34%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 8%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 47%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 38%
- Maximum drawdown, 3 yearsBottom 39%
- Beta vs S&P 500 (lower is better)Top 30%
- Net debt / EBITDA (lower is better)Top 43%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.4% | -5.9% | ↓ |
| EPS growth (YoY) | -92.2% | -83.4% | ↑ |
| Gross margin | 33.7% | 37.5% | ↑ |
| Operating margin | 14.0% | 0.8% | ↓ |
| FCF margin | 8.4% | 2.5% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -5.9% | 0.4% | ↓ | Bottom 16% |
| EPS growth (TTM, YoY) | -83.4% | -92.2% | ↑ | Bottom 9% |
| Gross margin | 37.5% | 33.7% | ↑ | Bottom 14% |
| Operating margin | 0.8% | 14.0% | ↓ | Bottom 12% |
| Net margin | 0.9% | 11.4% | ↓ | — |
| Free-cash-flow margin | 2.5% | 8.4% | ↓ | — |
| Return on invested capital | 0.2% | — | Bottom 33% | |
| Revenue growth, 3-year CAGR | 6.3% | — | Bottom 19% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.89×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -52.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.70×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.67%
- Net buyback yield (TTM)
- 24.52%
- Shareholder yield
- 27.19%
- Share count change, 1 year
- -24.2%
- Share count change, 3-year CAGR
- -12.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- -49.8%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 4 of 8
Analysts
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +23.2% | -0.5% | +1.5% | -2.3% | — |
| Apr 29, 2026 | -3.3% | -1.3% | -3.7% | +1.2% | +14.9% |
| Feb 19, 2026 | +61.0% | +0.7% | -1.3% | -7.4% | -1.6% |
| Oct 30, 2025 | -280.3% | +1.1% | -6.6% | -1.7% | +7.9% |
| Jul 30, 2025 | -48.9% | -1.2% | -11.8% | -6.9% | -8.4% |
| May 1, 2025 | +26.1% | -1.0% | -0.7% | +0.6% | -5.8% |
| Feb 20, 2025 | +6.5% | -0.5% | +3.5% | +2.1% | +0.4% |
| Oct 30, 2024 | +3.8% | +0.3% | +2.6% | +11.4% | +4.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.70 | $0.57 | +23.2% | $220.2M |
| Apr 29, 2026 | $0.53 | $0.55 | -3.3% | $207.6M |
| Feb 19, 2026 | $0.66 | $0.41 | +61.0% | $170.5M |
| Oct 30, 2025 | -$1.10 | $0.61 | -280.3% | $239.3M |
| Jul 30, 2025 | $0.48 | $0.94 | -48.9% | $246.3M |
| May 1, 2025 | $0.87 | $0.69 | +26.1% | $202.6M |
| Feb 20, 2025 | $1.15 | $1.08 | +6.5% | $216.6M |
| Oct 30, 2024 | $0.81 | $0.78 | +3.8% | $224.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 72.2× | 11.0× | 86th | Bottom 18% |
| P/E (forward) | 21.4× | — | — | — |
| EV / EBITDA | 47.1× | — | — | Bottom 29% |
| EV / Sales | 1.23× | — | — | Top 14% |
| Free-cash-flow yield | 2.09% | — | — | Bottom 28% |
| Earnings yield | 1.38% | — | — | Bottom 18% |
P/E over the past five years
Range 8.3× – 131.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +16.0%
- Earnings per share growth (TTM)
- -83.4%
- Change in P/E multiple
- +695.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 97
- 50-day average slope (20 days)
- -1.3%
- 200-day average slope (20 days)
- +2.0%
- Distance from 50-day average
- +0.0%
- Distance from 200-day average
- +8.8%
- RSI (14)
- 54.4
- Relative volume
- 0.81×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.5%
- Volatility vs own 5-year history
- 12th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.39
- Correlation with S&P 500
- 0.23
- Current drawdown from 1-year high
- -5.4%
- Maximum drawdown, 3 years
- -33.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 11, 2024 | Nov 3, 2025 | -33.0% | 244 days | Not yet recovered |
| Jun 16, 2021 | Oct 7, 2022 | -24.7% | 331 days | 16 days (Oct 31, 2022) |
| Nov 30, 2022 | Jul 14, 2023 | -23.0% | 154 days | 253 days (Jul 17, 2024) |
| Nov 10, 2020 | Jan 29, 2021 | -15.7% | 54 days | 25 days (Mar 8, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.02B
- P/E (TTM)
- 72.2
- EPS, diluted (TTM)
- $0.68
- Revenue (TTM)
- $837.3M
- Dividend yield
- 2.69%
- 52-week range
- $35.73 – $52.59
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $703.1M | $713.5M | $850.9M | $880.7M | $858.2M |
| Gross profit | $311.8M | $226.6M | $345.2M | $323.3M | $276.4M |
| Operating income | $147.0M | $55.8M | $148.4M | $146.7M | $12.0M |
| Net income | $119.3M | $48.4M | $118.1M | $118.6M | $10.8M |
| EPS (diluted) | $4.17 | $1.75 | $4.45 | $4.71 | $0.45 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $224.0M | $216.6M | $202.6M | $246.3M | $239.3M | $170.2M | $207.6M | $220.2M |
| Net income | $30.3M | $28.3M | $12.8M | $29.7M | -$8.3M | -$23.4M | $10.2M | $29.1M |
| EPS (diluted) | $1.21 | $1.14 | $0.52 | $1.23 | -$0.36 | -$0.97 | $0.42 | $1.59 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $10.8M | $99.8M | $49.4M | $76.4M | $44.7M |
| Capital expenditure | -$3.6M | -$2.6M | -$2.2M | -$4.9M | -$2.2M |
| Free cash flow | $7.2M | $97.2M | $47.2M | $71.5M | $42.5M |
| Dividends paid | -$29.0M | -$90.3M | -$29.7M | -$30.3M | -$29.9M |
| Net share buybacks | -$42.6M | -$30.4M | -$76.1M | -$42.6M | -$182.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.12B
- Total assets
- $3.38B
- Total liabilities
- $2.52B
- Total debt
- $128.6M
- Net debt
- $15.3M
- Shareholders’ equity
- $858.8M
As of Jun 30, 2026 (filed Jul 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 12, 2026 | $0.34 | Aug 26, 2026 |
| May 13, 2026 | $0.34 | May 27, 2026 |
| Mar 4, 2026 | $0.32 | Mar 18, 2026 |
| Nov 12, 2025 | $0.32 | Nov 26, 2025 |
| Aug 13, 2025 | $0.32 | Aug 27, 2025 |
| May 14, 2025 | $0.32 | May 28, 2025 |
| Mar 5, 2025 | $0.30 | Mar 19, 2025 |
| Nov 13, 2024 | $0.30 | Nov 27, 2024 |
Short interest
- Shares sold short
- 990,160
- Days to cover
- 7.57
- Change vs previous report
- -0.7%
FINRA short interest, settlement date Sep 15, 2026.