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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.34
EIG's Cash to Debt is ranked higher than
57% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.25 vs. EIG: 0.34 )
EIG' s 10-Year Cash to Debt Range
Min: 0.34   Max: No Debt
Current: 0.34

Equity to Asset 0.16
EIG's Equity to Asset is ranked higher than
59% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 vs. EIG: 0.16 )
EIG' s 10-Year Equity to Asset Range
Min: -0.09   Max: 0.16
Current: 0.16

-0.09
0.16
Interest Coverage 16.38
EIG's Interest Coverage is ranked higher than
68% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.35 vs. EIG: 16.38 )
EIG' s 10-Year Interest Coverage Range
Min: 11.77   Max: 9999.99
Current: 16.38

11.77
9999.99
F-Score: 5
Z-Score: 0.56
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 7.35
EIG's Operating margin (%) is ranked higher than
65% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. EIG: 7.35 )
EIG' s 10-Year Operating margin (%) Range
Min: 7.35   Max: 48.88
Current: 7.35

7.35
48.88
Net-margin (%) 8.82
EIG's Net-margin (%) is ranked higher than
74% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.52 vs. EIG: 8.82 )
EIG' s 10-Year Net-margin (%) Range
Min: 8.82   Max: 32.98
Current: 8.82

8.82
32.98
ROE (%) 11.22
EIG's ROE (%) is ranked higher than
77% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.24 vs. EIG: 11.22 )
EIG' s 10-Year ROE (%) Range
Min: 10.52   Max: 980.17
Current: 11.22

10.52
980.17
ROA (%) 1.75
EIG's ROA (%) is ranked higher than
64% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.60 vs. EIG: 1.75 )
EIG' s 10-Year ROA (%) Range
Min: 1.22   Max: 5.37
Current: 1.75

1.22
5.37
ROC (Joel Greenblatt) (%) 320.02
EIG's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 149 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 179.00 vs. EIG: 320.02 )
EIG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 320.02   Max: 1660.82
Current: 320.02

320.02
1660.82
Revenue Growth (%) 31.30
EIG's Revenue Growth (%) is ranked higher than
96% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. EIG: 31.30 )
EIG' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 31.3
Current: 31.3

0
31.3
EBITDA Growth (%) 0.70
EIG's EBITDA Growth (%) is ranked higher than
59% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. EIG: 0.70 )
EIG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 12.2
Current: 0.7

0
12.2
EPS Growth (%) 9.30
EIG's EPS Growth (%) is ranked higher than
73% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. EIG: 9.30 )
EIG' s 10-Year EPS Growth (%) Range
Min: 0   Max: 23.2
Current: 9.3

0
23.2
» EIG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

EIG Guru Trades in Q1 2013

Chuck Royce 13,000 sh (+25%)
HOTCHKIS & WILEY Sold Out
Arnold Schneider 207,646 sh (-14.5%)
» More
Q2 2013

EIG Guru Trades in Q2 2013

Paul Tudor Jones 10,800 sh (New)
Jim Simons 76,300 sh (New)
Steven Cohen 9,031 sh (New)
Chuck Royce 53,200 sh (+309.23%)
Arnold Schneider 180,417 sh (-13.11%)
» More
Q3 2013

EIG Guru Trades in Q3 2013

Paul Tudor Jones 22,000 sh (+103.7%)
Chuck Royce 91,200 sh (+71.43%)
Steven Cohen 8,383 sh (-7.18%)
Jim Simons 56,700 sh (-25.69%)
Arnold Schneider 97,690 sh (-45.85%)
» More
Q4 2013

EIG Guru Trades in Q4 2013

Chuck Royce 104,100 sh (+14.14%)
Jim Simons 60,800 sh (+7.23%)
Arnold Schneider Sold Out
Steven Cohen Sold Out
Paul Tudor Jones 16,846 sh (-23.43%)
» More
» Details

Insider Trades

Latest Guru Trades with EIG



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.90
EIG's P/E(ttm) is ranked higher than
72% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. EIG: 9.90 )
EIG' s 10-Year P/E(ttm) Range
Min: 4.25   Max: 39.54
Current: 9.9

4.25
39.54
P/B 1.10
EIG's P/B is ranked higher than
69% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. EIG: 1.10 )
EIG' s 10-Year P/B Range
Min: 0.8   Max: 26.6
Current: 1.1

0.8
26.6
P/S 0.90
EIG's P/S is ranked higher than
67% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. EIG: 0.90 )
EIG' s 10-Year P/S Range
Min: 0.85   Max: 2.79
Current: 0.9

0.85
2.79
PFCF 3.70
EIG's PFCF is ranked higher than
88% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. EIG: 3.70 )
EIG' s 10-Year PFCF Range
Min: 3.7   Max: 99.65
Current: 3.7

3.7
99.65
EV-to-EBIT 13.70
EIG's EV-to-EBIT is ranked lower than
63% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.50 vs. EIG: 13.70 )
EIG' s 10-Year EV-to-EBIT Range
Min: 3.7   Max: 21
Current: 13.7

3.7
21
PEG 5.90
EIG's PEG is ranked lower than
71% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. EIG: 5.90 )
EIG' s 10-Year PEG Range
Min: 1.09   Max: 5.8
Current: 5.9

1.09
5.8
Shiller P/E 9.40
EIG's Shiller P/E is ranked higher than
97% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. EIG: 9.40 )
EIG' s 10-Year Shiller P/E Range
Min: 8.99   Max: 15.29
Current: 9.4

8.99
15.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
EIG's Dividend Yield is ranked lower than
86% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.51 vs. EIG: 1.20 )
EIG' s 10-Year Dividend Yield Range
Min: 0.27   Max: 2.86
Current: 1.2

0.27
2.86
Dividend Payout 0.12
EIG's Dividend Payout is ranked higher than
90% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. EIG: 0.12 )
EIG' s 10-Year Dividend Payout Range
Min: 0.07   Max: 0.19
Current: 0.12

0.07
0.19
Yield on cost (5-Year) 1.20
EIG's Yield on cost (5-Year) is ranked lower than
84% of the 152 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.14 vs. EIG: 1.20 )
EIG' s 10-Year Yield on cost (5-Year) Range
Min: 0.27   Max: 2.86
Current: 1.2

0.27
2.86
Share Buyback Rate 8.30
EIG's Share Buyback Rate is ranked higher than
95% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.10 vs. EIG: 8.30 )
EIG' s 10-Year Share Buyback Rate Range
Min: 0   Max: 7.2
Current: 8.3

0
7.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
EIG's Price/Tangible Book is ranked higher than
66% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. EIG: 1.20 )
EIG' s 10-Year Price/Tangible Book Range
Min: 1.29   Max: 2.18
Current: 1.2

1.29
2.18
Price/DCF (Projected) 0.40
EIG's Price/DCF (Projected) is ranked higher than
75% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. EIG: 0.40 )
EIG' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 0.62
Current: 0.4

0.52
0.62
Price/Median PS Value 0.60
EIG's Price/Median PS Value is ranked higher than
93% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. EIG: 0.60 )
EIG' s 10-Year Price/Median PS Value Range
Min: 0.78   Max: 1.42
Current: 0.6

0.78
1.42
Price/Peter Lynch Fair Value 1.60
EIG's Price/Peter Lynch Fair Value is ranked lower than
70% of the 46 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.70 vs. EIG: 1.60 )
EIG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.25   Max: 2.52
Current: 1.6

1.25
2.52
Price/Graham Number 0.70
EIG's Price/Graham Number is ranked higher than
73% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. EIG: 0.70 )
EIG' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.14
Current: 0.7

0.58
1.14
Earnings Yield (Greenblatt) 7.30
EIG's Earnings Yield (Greenblatt) is ranked lower than
53% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. EIG: 7.30 )
EIG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.8   Max: 26.8
Current: 7.3

4.8
26.8
Forward Rate of Return (Yacktman) 14.18
EIG's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.76 vs. EIG: 14.18 )
EIG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.3   Max: 15.8
Current: 14.18

-14.3
15.8

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Employers Holdings, Inc., is a Nevada holding company and is the successor to EIG Mutual Holding Company, which was incorporated in Nevada in 2005. Effective February 5, 2007, the Company completed its initial public offering. It is a specialty provider of workers' compensation insurance focused on select small businesses engaged in low to medium hazard industries. Workers' compensation is a statutory system under which an employer is required to pay for its employees' medical, disability and vocational rehabilitation and death benefit costs for work-related injuries or illnesses. The Company's workers' compensation insurance product is written mainly on a guaranteed cost basis, meaning the premium for a policyholder is set in advance and varies based only upon changes in the policyholder's class and payroll. Class and specific risk credits are formulated to fit the needs of targeted classes and employer groups. Premiums are based on the particular class of business and the Company's estimates of expected losses, LAE and other expenses related to the policies it underwrites. The Company markets and sells its workers' compensation insurance products through independent local, regional and national agents and brokers, and through its strategic partnerships and alliances, including its main partners ADP and Wellpoint. The Company's target customers are select small businesses engaged in low to medium hazard industries. It employs a disciplined, conservative underwriting approach designed to individually select specific types of businesses, predominantly those in the four lowest of the seven workers' compensation insurance industry defined hazard groups, which would have fewer and less costly claims relative to other businesses in the same hazard groups. On October 31, 2008, the Company acquired 100% of the outstanding common stock of AmCOMP Incorporated. As a result of this acquisition, the Company's is currently conducting business in 30 states from coast to coast, including concentrations in California, Florida and Nevada. It is also licensed to write business in seven additional states and the District of Columbia. It business has historically targeted businesses located in several western states, mainly California and Nevada. Its competitors include other specialty workers' compensation carriers, state agencies, multi-line insurance companies, professional employer organizations, third-party administrators, self-insurance funds and state insurance pools.

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