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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 2.21
EIG's Cash to Debt is ranked lower than
58% of the 67 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.57 vs. EIG: 2.21 )
Ranked among companies with meaningful Cash to Debt only.
EIG' s Cash to Debt Range Over the Past 10 Years
Min: 0.34  Med: 1.53 Max: No Debt
Current: 2.21
Equity to Asset 0.21
EIG's Equity to Asset is ranked lower than
74% of the 69 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.32 vs. EIG: 0.21 )
Ranked among companies with meaningful Equity to Asset only.
EIG' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.21
Current: 0.21
0.09
0.21
Interest Coverage 45.42
EIG's Interest Coverage is ranked higher than
64% of the 47 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 20.82 vs. EIG: 45.42 )
Ranked among companies with meaningful Interest Coverage only.
EIG' s Interest Coverage Range Over the Past 10 Years
Min: 11.65  Med: 31.65 Max: 9999.99
Current: 45.42
11.65
9999.99
F-Score: 4
M-Score: -2.24
WACC vs ROIC
9.97%
13.65%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 14.21
EIG's Operating margin (%) is ranked higher than
65% of the 68 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.00 vs. EIG: 14.21 )
Ranked among companies with meaningful Operating margin (%) only.
EIG' s Operating margin (%) Range Over the Past 10 Years
Min: 7.35  Med: 16.40 Max: 48.88
Current: 14.21
7.35
48.88
Net-margin (%) 13.22
EIG's Net-margin (%) is ranked higher than
68% of the 69 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.78 vs. EIG: 13.22 )
Ranked among companies with meaningful Net-margin (%) only.
EIG' s Net-margin (%) Range Over the Past 10 Years
Min: 8.82  Med: 15.93 Max: 32.98
Current: 13.22
8.82
32.98
ROE (%) 13.65
EIG's ROE (%) is ranked higher than
75% of the 69 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.76 vs. EIG: 13.65 )
Ranked among companies with meaningful ROE (%) only.
EIG' s ROE (%) Range Over the Past 10 Years
Min: 10.15  Med: 16.83 Max: 76.53
Current: 13.65
10.15
76.53
ROA (%) 2.67
EIG's ROA (%) is ranked higher than
54% of the 69 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.28 vs. EIG: 2.67 )
Ranked among companies with meaningful ROA (%) only.
EIG' s ROA (%) Range Over the Past 10 Years
Min: 1.39  Med: 2.62 Max: 5.46
Current: 2.67
1.39
5.46
Revenue Growth (3Y)(%) 8.10
EIG's Revenue Growth (3Y)(%) is ranked higher than
63% of the 54 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.70 vs. EIG: 8.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EIG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.10 Max: 31.3
Current: 8.1
0
31.3
EBITDA Growth (3Y)(%) 0.30
EIG's EBITDA Growth (3Y)(%) is ranked lower than
60% of the 43 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.30 vs. EIG: 0.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EIG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -15.20 Max: 38.2
Current: 0.3
0
38.2
EPS Growth (3Y)(%) -4.90
EIG's EPS Growth (3Y)(%) is ranked lower than
76% of the 41 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 5.10 vs. EIG: -4.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EIG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -14.50 Max: 34.5
Current: -4.9
0
34.5
» EIG's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-30)


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

» Details

Guru Trades

Q2 2015

EIG Guru Trades in Q2 2015

Paul Tudor Jones 38,765 sh (+103.49%)
Chuck Royce 171,839 sh (+40.60%)
Jim Simons 200,897 sh (+0.15%)
HOTCHKIS & WILEY 137,347 sh (-58.95%)
» More
Q3 2015

EIG Guru Trades in Q3 2015

Jim Simons 231,100 sh (+15.03%)
Chuck Royce 171,839 sh (unchged)
HOTCHKIS & WILEY 136,882 sh (-0.34%)
Paul Tudor Jones 10,965 sh (-71.71%)
» More
Q4 2015

EIG Guru Trades in Q4 2015

Jim Simons 265,272 sh (+14.79%)
HOTCHKIS & WILEY Sold Out
Chuck Royce 168,139 sh (-2.15%)
Paul Tudor Jones 8,752 sh (-20.18%)
» More
Q1 2016

EIG Guru Trades in Q1 2016

Paul Tudor Jones 42,189 sh (+382.05%)
Jim Simons 402,200 sh (+51.62%)
Chuck Royce 168,139 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with EIG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance - Specialty » Insurance - Specialty
Compare:NAS:GLRE, NAS:AMBC, NYSE:OB, NAS:TRUP, OTCPK:LCSHF, NAS:ITIC, NYSE:FAC, NYSE:MTG, NYSE:RDN, OTCPK:GMICF, NYSE:AGO, NYSE:FNFV, NYSE:FAF, OTCPK:MPFRF » details
Traded in other countries:YGB.Germany,
Employers Holdings Inc is a specialty provider of workers' compensation insurance to select small businesses in low to medium hazard industries. The Company has one operating segment, workers' compensation insurance & related services.

Employers Holdings Inc is a holding company incorporated in Nevada in 2005. The Company is a specialty provider of workers' compensation insurance to selected small businesses in low to medium hazard industries. Workers' compensation is provided for under a statutory system wherein employers are required to provide coverage for their employees' medical, disability, vocational rehabilitation, and/or death benefit costs for work-related injuries or illnesses. The Company operates as a single reportable segment and conduct operations in 33 states and the District of Columbia, with a concentration in California. The state laws generally require two types of benefits for injured employees: medical benefits, including expenses related to the diagnosis and treatment of an injury, disease, or both, as well as any required rehabilitation, and indemnity payments, which consist of temporary wage replacement, permanent disability payments, and death benefits to surviving family members. The Company competes with other specialty workers' compensation carriers, state agencies, multi-line insurance companies, professional employer organizations, self-insurance funds, and state insurance pools. Its competitors in California are AmTrust Financial Services, Inc., Berkshire Hathaway Homestate Companies, California State Compensation Insurance Fund, The Hartford Financial Services Group, Inc., ICW Group, and Travelers Insurance Group Holdings, Inc.

Ratios

vs
industry
vs
history
P/E(ttm) 8.73
EIG's P/E(ttm) is ranked higher than
72% of the 60 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 13.00 vs. EIG: 8.73 )
Ranked among companies with meaningful P/E(ttm) only.
EIG' s P/E(ttm) Range Over the Past 10 Years
Min: 4.25  Med: 8.12 Max: 16.23
Current: 8.73
4.25
16.23
PE(NRI) 8.73
EIG's PE(NRI) is ranked higher than
72% of the 61 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.52 vs. EIG: 8.73 )
Ranked among companies with meaningful PE(NRI) only.
EIG' s PE(NRI) Range Over the Past 10 Years
Min: 4.25  Med: 8.13 Max: 16.21
Current: 8.73
4.25
16.21
Price/Owner Earnings (ttm) 11.37
EIG's Price/Owner Earnings (ttm) is ranked lower than
65% of the 31 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.04 vs. EIG: 11.37 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
EIG' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.49  Med: 5.89 Max: 28.3
Current: 11.37
3.49
28.3
P/B 1.11
EIG's P/B is ranked lower than
61% of the 66 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.96 vs. EIG: 1.11 )
Ranked among companies with meaningful P/B only.
EIG' s P/B Range Over the Past 10 Years
Min: 0.8  Med: 1.24 Max: 26.6
Current: 1.11
0.8
26.6
P/S 1.16
EIG's P/S is ranked higher than
55% of the 67 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.28 vs. EIG: 1.16 )
Ranked among companies with meaningful P/S only.
EIG' s P/S Range Over the Past 10 Years
Min: 0.81  Med: 1.34 Max: 2.8
Current: 1.16
0.81
2.8
PFCF 8.72
EIG's PFCF is ranked higher than
50% of the 32 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.97 vs. EIG: 8.72 )
Ranked among companies with meaningful PFCF only.
EIG' s PFCF Range Over the Past 10 Years
Min: 3.65  Med: 7.71 Max: 97.36
Current: 8.72
3.65
97.36
POCF 7.90
EIG's POCF is ranked lower than
57% of the 47 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.08 vs. EIG: 7.90 )
Ranked among companies with meaningful POCF only.
EIG' s POCF Range Over the Past 10 Years
Min: 3.48  Med: 7.61 Max: 714.78
Current: 7.9
3.48
714.78
EV-to-EBIT 7.57
EIG's EV-to-EBIT is ranked higher than
51% of the 53 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.78 vs. EIG: 7.57 )
Ranked among companies with meaningful EV-to-EBIT only.
EIG' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.4  Med: 7.10 Max: 19.6
Current: 7.57
2.4
19.6
EV-to-EBITDA 7.02
EIG's EV-to-EBITDA is ranked lower than
53% of the 53 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 6.88 vs. EIG: 7.02 )
Ranked among companies with meaningful EV-to-EBITDA only.
EIG' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.2  Med: 6.60 Max: 17.7
Current: 7.02
2.2
17.7
PEG 0.56
EIG's PEG is ranked higher than
71% of the 24 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.76 vs. EIG: 0.56 )
Ranked among companies with meaningful PEG only.
EIG' s PEG Range Over the Past 10 Years
Min: 0.3  Med: 0.49 Max: 3.24
Current: 0.56
0.3
3.24
Shiller P/E 10.41
EIG's Shiller P/E is ranked higher than
74% of the 19 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.29 vs. EIG: 10.41 )
Ranked among companies with meaningful Shiller P/E only.
EIG' s Shiller P/E Range Over the Past 10 Years
Min: 8.31  Med: 10.31 Max: 11.51
Current: 10.41
8.31
11.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.09
EIG's Dividend Yield is ranked lower than
99.99% of the 94 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.40 vs. EIG: 1.09 )
Ranked among companies with meaningful Dividend Yield only.
EIG' s Dividend Yield Range Over the Past 10 Years
Min: 0.27  Med: 1.23 Max: 2.86
Current: 1.09
0.27
2.86
Dividend Payout 0.09
EIG's Dividend Payout is ranked higher than
92% of the 50 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.44 vs. EIG: 0.09 )
Ranked among companies with meaningful Dividend Payout only.
EIG' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.13 Max: 0.38
Current: 0.09
0.02
0.38
Forward Dividend Yield 1.29
EIG's Forward Dividend Yield is ranked lower than
94% of the 89 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 5.13 vs. EIG: 1.29 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.09
EIG's Yield on cost (5-Year) is ranked lower than
99.99% of the 94 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 5.88 vs. EIG: 1.09 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EIG' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.27  Med: 1.23 Max: 2.86
Current: 1.09
0.27
2.86
3-Year Average Share Buyback Ratio -1.50
EIG's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 35 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.10 vs. EIG: -1.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EIG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.5  Med: 10.50 Max: 0
Current: -1.5
-1.5
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.16
EIG's Price/Tangible Book is ranked lower than
60% of the 62 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.07 vs. EIG: 1.16 )
Ranked among companies with meaningful Price/Tangible Book only.
EIG' s Price/Tangible Book Range Over the Past 10 Years
Min: 1  Med: 1.41 Max: 25.76
Current: 1.16
1
25.76
Price/Projected FCF 0.39
EIG's Price/Projected FCF is ranked higher than
78% of the 27 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.67 vs. EIG: 0.39 )
Ranked among companies with meaningful Price/Projected FCF only.
EIG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.33  Med: 0.62 Max: 1.25
Current: 0.39
0.33
1.25
Price/Median PS Value 0.86
EIG's Price/Median PS Value is ranked higher than
75% of the 63 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.02 vs. EIG: 0.86 )
Ranked among companies with meaningful Price/Median PS Value only.
EIG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.59  Med: 1.04 Max: 2.03
Current: 0.86
0.59
2.03
Price/Peter Lynch Fair Value 0.36
EIG's Price/Peter Lynch Fair Value is ranked higher than
90% of the 20 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.72 vs. EIG: 0.36 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EIG' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.32  Med: 0.70 Max: 2.78
Current: 0.36
0.32
2.78
Price/Graham Number 0.67
EIG's Price/Graham Number is ranked higher than
58% of the 52 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.73 vs. EIG: 0.67 )
Ranked among companies with meaningful Price/Graham Number only.
EIG' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 0.74 Max: 2.97
Current: 0.67
0.5
2.97
Earnings Yield (Greenblatt) (%) 13.32
EIG's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 66 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.30 vs. EIG: 13.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EIG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.1  Med: 14.10 Max: 42.4
Current: 13.32
5.1
42.4
Forward Rate of Return (Yacktman) (%) 37.10
EIG's Forward Rate of Return (Yacktman) (%) is ranked higher than
90% of the 31 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 15.38 vs. EIG: 37.10 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EIG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -16.2  Med: 12.50 Max: 40.7
Current: 37.1
-16.2
40.7

More Statistics

Revenue (TTM) (Mil) $766.9
EPS (TTM) $ 3.11
Beta1.15
Short Percentage of Float1.78%
52-Week Range $20.86 - 30.53
Shares Outstanding (Mil)32.44
» More Articles for EIG

Headlines

Articles On GuruFocus.com
5 Stocks Gurus, Insiders, and Companies Are Buying Jul 09 2015 
Unico American Corporation: A Company I Would Love to Own Outright Feb 04 2013 
The Best Dividends on May 18, 2012 May 17 2012 
Employers Holdings Inc. (EIG) President and COO, EICN & ECIC Martin J Welch buys 1,500 Shares Nov 10 2010 
Employers Holdings Inc. (EIG) President and COO, EICN & ECIC Martin J Welch buys 1,000 Shares Aug 25 2010 
Employers Holdings Inc. (EIG) CEO Douglas D Dirks buys 1,000 Shares Aug 16 2010 
Employers Holdings Inc. (EIG) President and COO, EICN & ECIC Martin J Welch buys 1,000 Shares Jun 08 2010 
Employers Holdings Inc. (EIG) CEO Douglas D Dirks buys 4,000 Shares May 27 2010 
Employers Holdings Inc. (EIG) President and COO, EICN & ECIC Martin J Welch buys 1,500 Shares May 25 2010 
Employers Holdings Inc. (EIG) President and COO, EICN & ECIC Martin J Welch buys 1,000 Shares Nov 30 2009 

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