Company Analysis

Employers Holdings, Inc. (EIG)

NYSE: EIG · Fire, Marine & Casualty Insurance · Reno, NV · filing with the SEC since 2006
Grade5.4
◀ Past 7.5● Present 4.2▶ Future 3.6

The grade of Employers Holdings, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.4/10
◀ Past7.540% of the headline
● Present4.235% of the headline
▶ Future3.625% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

7.5/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 73rd percentile among 60 sector filers · read for itself

From the record

Employers Holdings, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
3.9/10

What has it actually done, year after year?

+1.1% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 39th percentile among 56 sector filers · read for its customers

From the record

Employers Holdings, Inc.'s 10 filed years say what it did: revenue went from $780 million in fiscal 2016 to $859 million in fiscal 2025, up 1.1% a year; it rose in 5 of 9 years; the deepest fall was 16% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span1.1%bottom 19% of its family
  • the share of years revenue rosebottom 15% of its family
  • the share of filed years with a profittop 17% of its family
  • the deepest fall from a revenue peak15.9%bottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
9.4/10

How has it treated the people who own it?

Share count shrank 5.3% a year. 100% of cash flow returned. Insiders: 2 sales, 2 purchases.

weight 45% of this tense · 95th percentile among 49 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Employers Holdings, Inc.'s diluted share count shrank about 5.3% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 2 sales and 2 purchases of their own stock on the open market in the year to 2026-09-30, buying about $283 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 6% of its family
  • cash returned against operating cash flowtop 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.2/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
5.7/10

Is it financially healthy right now?

ROE 1%: 1¢ of profit per shareholder dollar. Leverage 72%: owes 72¢ per asset dollar.

weight 45% of this tense · 57th percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Employers Holdings, Inc. earned about 1 cents of profit for every dollar of shareholders' money. Leverage: it owed about 72 cents per dollar of assets, and net share issuance: its share count shrank 6.6% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 32% of its family
  • return on equitybottom 13% of its family
  • the share count against the year beforetop 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
2.4/10

How strong is its position in its industry?

bottom 24% of 60 in its family; net margin 1.3%.

weight 33% of this tense · 24th percentile among 60 sector filers · read for its customers

From the record

Employers Holdings, Inc.'s standing among 60 graded names in its industry family: revenue of $859 million in fiscal 2025 ranks in the bottom 34% by size; a net margin of 1.3% ranks in the bottom 13%; revenue growth of 6.4% a year over the last 3 filed years ranks in the bottom 24% (its annual reports).

What it rests on

  • revenue against the family$859Mbottom 34% of its family
  • net margin1.3%bottom 13% of its family
  • three-year revenue growth6.4%bottom 24% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.0/10

What are the people in charge doing?

bottom 40% of 47 in its family for leadership; chief executive since 2022.

weight 22% of this tense · 40th percentile among 47 sector filers · read for its shareholders

From the record

Employers Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Antonello, Katherine H. (President & CEO, as filed), filing under that title since 2022-01-20, 4.8 years (bottom 46% of its family); most of the 18 officers and directors filing now have filed since the record of its people begins (2024-02-21), a floor of 2.7 years the record cannot see past, so that part is not read; 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 34%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge9 in three years among 18 peoplebottom 34% of its family
  • the chief executive's years on the record4.8 yearsbottom 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

3.6/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
4.6/10

How much room does it have to grow?

bottom 46% of 60 in its family for room to expand.

weight 33% of this tense · 46th percentile among 60 sector filers · read for itself

From the record

Employers Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $160 million against debt of $19 million leaves 4.1% of its assets as net cash, top 34% of its family; cash from operations less capital spending is 5.2% of revenue (bottom 26%) (its annual report).

What it rests on

  • cash less debt against assets4.1%top 34% of its family
  • cash from operations less capital spending against revenue5.2%bottom 26% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.7/10

What could actually drive growth from here?

bottom 47% of 56 in its family for growth drivers.

weight 33% of this tense · 47th percentile among 56 sector filers · read for its customers

From the record

Employers Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 6.4% a year over the last three filed years against 1.1% over all 10, speeding up (top 31% of its family); the newest year grew -2.5% (bottom 12%); capital spending grew 0% a year (top 40%) (its annual reports). Employers Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+5.3 points a yeartop 31% of its family
  • the newest year's revenue growth-2.5%bottom 12% of its family
  • three-year growth of capital spending0.0%top 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
1.4/10

Did its newest year beat what its own record pointed to?

bottom 14% of 56 in its family for expectations against reality.

weight 33% of this tense · 14th percentile among 56 sector filers · read for its shareholders

From the record

Employers Holdings, Inc.'s newest year against its own record: revenue of $859 million in fiscal 2025 came in 12.2% below the $978 million its prior three years' pace pointed to (bottom 24% of its family); net income of $11 million against a prior three-year average of $95 million (bottom 8%); a net margin of 1.3% against 11.4% before (bottom 10%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-12.2%bottom 24% of its family
  • net income against the prior three years' average-89%bottom 8% of its family
  • net margin against its prior average-10.1 pointsbottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton EIG · research, not advice