EIG
Financial ServicesEmployers Holdings, Inc. · Insurance - Specialty · $970M
What is Employers Holdings, Inc.?
Employers Holdings, Inc. is a Reno-based specialty insurer focused on workers' compensation coverage for small businesses across the United States. The company operates through independent agents, brokers, and direct channels.
The company underwrites workers' compensation insurance targeting small businesses in low to medium hazard industries. It distributes policies through independent local, regional, and national agents and brokers, alternative channels, and trade associations. Revenue is generated primarily through premiums collected from policyholders, with profitability tied to underwriting discipline and claims management.
Employers Holdings was founded in 2000 and is headquartered in Reno, Nevada.
- Workers' compensation insurance for small businesses
- Coverage for low-to-medium hazard industries
- Independent agent and broker distribution network
- Direct-to-customer and trade association channels
Is EIG a Good Stock to Buy?
UQS Score rates EIG as Below Average overall, reflecting meaningful weaknesses across several key pillars.
The Risk pillar stands out as EIG's clearest strength, suggesting the company maintains a relatively conservative financial and operational profile compared to peers in the specialty insurance space.
Quality, Moat, and Growth all register as Weak, pointing to limited competitive differentiation, constrained earnings power, and a challenging growth outlook. Valuation sits at Neutral.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does EIG pay dividends?
Yes — Employers Holdings, Inc. pays a dividend.
Employers Holdings pays a regular dividend, which may appeal to income-oriented investors in the small-cap insurance space. The company's relatively conservative risk profile supports its ability to return capital to shareholders. Investors should review the current yield and payout details on EIG's investor relations page.
When does EIG report earnings?
Employers Holdings reports earnings on a quarterly cadence, typical for US-listed equities.
As a specialty insurer, EIG's quarterly results are shaped by underwriting performance, claims experience, and investment income. The company's focus on low-to-medium hazard workers' compensation tends to produce relatively stable loss ratios, though growth has remained constrained.
For the most recent quarter's results, visit Employers Holdings' investor relations page directly.
EIG Price History
+18.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Employers Holdings, Inc.?
Based on Employers Holdings, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
EIG Long-term Outlook
EIG's Growth pillar registers as Weak, suggesting limited near-term expansion in premiums or earnings. The strong Risk profile indicates the business is managed conservatively, which may provide downside protection but also limits upside. The Neutral Valuation label suggests the market is not pricing in significant growth expectations at current levels.
Growth drivers
- Stable demand for workers' compensation coverage among small businesses
- Disciplined underwriting in low-to-medium hazard niches
- Potential for incremental distribution expansion through broker networks
Key risks
- Weak Moat leaves EIG vulnerable to pricing pressure from larger, better-capitalized insurers
- Limited growth trajectory may compress long-term returns
- Macroeconomic softness affecting small business employment could reduce premium volumes
EIG vs Peers
EIG operates in a competitive specialty insurance landscape alongside several other niche carriers.
Trupanion focuses on pet health insurance rather than commercial lines, targeting a consumer market with recurring subscription-style premiums.
Hippo operates as a technology-driven home insurance provider, pursuing a digital-first distribution model distinct from EIG's agent-broker network.
Tiptree is a diversified holding company with insurance operations alongside other financial assets, offering a broader business mix than EIG's focused workers' comp model.
Frequently Asked Questions
What does Employers Holdings do?
Employers Holdings underwrites workers' compensation insurance for small businesses in low-to-medium hazard industries across the United States. It distributes coverage through independent agents, brokers, trade associations, and direct channels.
Does EIG pay dividends?
Yes, Employers Holdings pays a regular dividend. Income-focused investors may find this appealing, though the company's Below Average UQS Score reflects broader concerns about quality and growth. Check the investor relations page for current dividend details.
When does EIG report earnings?
Employers Holdings reports on a quarterly cadence, as is standard for US-listed companies. For the exact schedule and most recent results, refer to the company's investor relations page.
Is EIG a good stock to buy?
UQS Score rates EIG as Below Average, driven by Weak scores across Quality, Moat, and Growth pillars. The Risk pillar is a relative strength. Whether EIG fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is EIG overvalued?
EIG's Valuation pillar is rated Neutral, suggesting the stock is neither clearly cheap nor expensive relative to its fundamentals. Given the Weak Growth and Quality scores, investors should weigh whether the current price adequately reflects the company's limited competitive advantages.
How does EIG compare to its competitors?
EIG is a narrowly focused workers' compensation insurer, while peers like Trupanion and Hippo operate in pet and home insurance respectively. Tiptree offers a more diversified financial model. EIG's conservative niche focus sets it apart, though its Weak Moat score suggests limited pricing power.
What is EIG's market cap bracket?
Employers Holdings is classified as a small-cap company. This places it in a segment of the market that can offer niche exposure but often carries higher volatility and lower liquidity than large-cap peers.
Who founded Employers Holdings?
Employers Holdings was founded in 2000 and is headquartered in Reno, Nevada. Detailed founding history and leadership information is publicly available through the company's official filings and investor relations materials.
Is EIG a long-term quality investment?
As a long-term quality indicator, EIG's UQS Score of Below Average — with Weak ratings on Quality, Moat, and Growth — raises questions about durable competitive advantage and earnings trajectory. The strong Risk profile offers some reassurance, but long-term investors should review the full analysis before committing.
What is the main competitive advantage of Employers Holdings?
EIG's focus on low-to-medium hazard small business workers' compensation creates a degree of underwriting specialization. However, the UQS Moat pillar rates this as Weak, suggesting the company has not established a strongly defensible position relative to broader insurance competitors.
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Pro Analysis
EIG — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 4, 2026 | 40.2 | 17.0 | 24.0 | 29.0 | 100.0 | 61.1 | +0.7 |
| May 3, 2026 | 39.5 | 17.0 | 24.0 | 25.6 | 100.0 | 60.6 | +0.1 |
| May 2, 2026 | 39.4 | 17.0 | 24.0 | 25.6 | 100.0 | 60.0 | 0.0 |
| Apr 26, 2026 | 39.4 | 17.0 | 24.0 | 25.6 | 100.0 | 59.9 | +0.1 |
| Apr 25, 2026 | 39.3 | 17.0 | 24.0 | 25.6 | 100.0 | 59.3 | 0.0 |
| Apr 23, 2026 | 39.3 | 17.1 | 24.0 | 25.6 | 100.0 | 59.3 | +0.1 |
| Apr 21, 2026 | 39.2 | 16.9 | 24.0 | 25.6 | 100.0 | 59.3 | 0.0 |
| Apr 19, 2026 | 39.2 | 16.7 | 24.0 | 25.6 | 100.0 | 59.3 | 0.0 |
| Apr 18, 2026 | 39.2 | 16.7 | 24.0 | 25.6 | 100.0 | 59.6 | -2.4 |
| Apr 17, 2026 | 41.6 | 17.0 | 24.0 | 25.6 | 100.0 | 74.6 | 0.0 |
EIG — Pillar Breakdown
Quality
— 12.2/100 (25%)Employers Holdings, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 28.1/100 (20%)Employers Holdings, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 49.9/100 (15%)Employers Holdings, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 60.0/100 (15%)Employers Holdings, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)Employers Holdings, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for EIG.
Score Composition
Financial Data
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How is the EIG UQS Score Calculated?
The UQS (Unified Quality Score) for Employers Holdings, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Employers Holdings, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Employers Holdings, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.