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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 1.13
EIG's Cash to Debt is ranked higher than
68% of the 121 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.76 vs. EIG: 1.13 )
EIG' s 10-Year Cash to Debt Range
Min: 0.34   Max: No Debt
Current: 1.13

Equity to Asset 0.18
EIG's Equity to Asset is ranked higher than
62% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.28 vs. EIG: 0.18 )
EIG' s 10-Year Equity to Asset Range
Min: -0.09   Max: 0.18
Current: 0.18

-0.09
0.18
Interest Coverage 35.46
EIG's Interest Coverage is ranked higher than
77% of the 87 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 16.64 vs. EIG: 35.46 )
EIG' s 10-Year Interest Coverage Range
Min: 11.77   Max: 9999.99
Current: 35.46

11.77
9999.99
F-Score: 7
Z-Score: 0.69
WACC vs ROIC
8.90%
15.00%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 13.78
EIG's Operating margin (%) is ranked higher than
82% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.43 vs. EIG: 13.78 )
EIG' s 10-Year Operating margin (%) Range
Min: 7.35   Max: 48.88
Current: 13.78

7.35
48.88
Net-margin (%) 13.02
EIG's Net-margin (%) is ranked higher than
81% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.12 vs. EIG: 13.02 )
EIG' s 10-Year Net-margin (%) Range
Min: 8.82   Max: 32.98
Current: 13.02

8.82
32.98
ROE (%) 16.03
EIG's ROE (%) is ranked higher than
89% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.50 vs. EIG: 16.03 )
EIG' s 10-Year ROE (%) Range
Min: 10.21   Max: 178.29
Current: 16.03

10.21
178.29
ROA (%) 2.70
EIG's ROA (%) is ranked higher than
75% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.04 vs. EIG: 2.70 )
EIG' s 10-Year ROA (%) Range
Min: 1.4   Max: 5.46
Current: 2.7

1.4
5.46
ROC (Joel Greenblatt) (%) 595.61
EIG's ROC (Joel Greenblatt) (%) is ranked higher than
87% of the 84 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 187.14 vs. EIG: 595.61 )
EIG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 339.81   Max: 3321.64
Current: 595.61

339.81
3321.64
Revenue Growth (3Y)(%) 24.80
EIG's Revenue Growth (3Y)(%) is ranked higher than
95% of the 103 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 6.80 vs. EIG: 24.80 )
EIG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 31.3
Current: 24.8

0
31.3
EBITDA Growth (3Y)(%) 37.90
EIG's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 85 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 14.80 vs. EIG: 37.90 )
EIG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 37.9
Current: 37.9

0
37.9
EPS Growth (3Y)(%) 34.20
EIG's EPS Growth (3Y)(%) is ranked higher than
90% of the 81 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 14.10 vs. EIG: 34.20 )
EIG' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 34.2
Current: 34.2

0
34.2
» EIG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

EIG Guru Trades in Q1 2014

HOTCHKIS & WILEY 308,700 sh (New)
Paul Tudor Jones 30,744 sh (+82.50%)
Jim Simons Sold Out
Chuck Royce 84,900 sh (-18.44%)
» More
Q2 2014

EIG Guru Trades in Q2 2014

Jim Simons 16,800 sh (New)
HOTCHKIS & WILEY 328,248 sh (+6.33%)
Chuck Royce 85,721 sh (+0.97%)
Paul Tudor Jones Sold Out
» More
Q3 2014

EIG Guru Trades in Q3 2014

Paul Tudor Jones 10,339 sh (New)
Jim Simons 26,049 sh (+55.05%)
Chuck Royce 104,721 sh (+22.16%)
HOTCHKIS & WILEY 329,320 sh (+0.33%)
» More
Q4 2014

EIG Guru Trades in Q4 2014

Jim Simons 196,464 sh (+654.21%)
Paul Tudor Jones 13,626 sh (+31.79%)
Chuck Royce 111,221 sh (+6.21%)
HOTCHKIS & WILEY 328,317 sh (-0.30%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 8.50
EIG's P/E(ttm) is ranked higher than
86% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.20 vs. EIG: 8.50 )
EIG' s 10-Year P/E(ttm) Range
Min: 4.25   Max: 16.22
Current: 8.5

4.25
16.22
Forward P/E 15.80
EIG's Forward P/E is ranked lower than
56% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.98 vs. EIG: 15.80 )
N/A
PE(NRI) 8.60
EIG's PE(NRI) is ranked higher than
89% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.20 vs. EIG: 8.60 )
EIG' s 10-Year PE(NRI) Range
Min: 4.25   Max: 16.21
Current: 8.6

4.25
16.21
P/B 1.20
EIG's P/B is ranked higher than
65% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.18 vs. EIG: 1.20 )
EIG' s 10-Year P/B Range
Min: 0.8   Max: 26.6
Current: 1.2

0.8
26.6
P/S 1.10
EIG's P/S is ranked higher than
72% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.32 vs. EIG: 1.10 )
EIG' s 10-Year P/S Range
Min: 0.81   Max: 2.8
Current: 1.1

0.81
2.8
POCF 5.12
EIG's POCF is ranked higher than
95% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 15.81 vs. EIG: 5.12 )
EIG' s 10-Year POCF Range
Min: 3.54   Max: 822
Current: 5.12

3.54
822
EV-to-EBIT 7.90
EIG's EV-to-EBIT is ranked higher than
84% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.39 vs. EIG: 7.90 )
EIG' s 10-Year EV-to-EBIT Range
Min: 3.3   Max: 21
Current: 7.9

3.3
21
PEG 0.75
EIG's PEG is ranked higher than
95% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.00 vs. EIG: 0.75 )
EIG' s 10-Year PEG Range
Min: 0.35   Max: 2.28
Current: 0.75

0.35
2.28
Shiller P/E 11.90
EIG's Shiller P/E is ranked higher than
86% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.00 vs. EIG: 11.90 )
EIG' s 10-Year Shiller P/E Range
Min: 8.72   Max: 15.36
Current: 11.9

8.72
15.36
Days Sales Outstanding 139.60
EIG's Days Sales Outstanding is ranked higher than
83% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.00 vs. EIG: 139.60 )
EIG' s 10-Year Days Sales Outstanding Range
Min: 30.9   Max: 140.78
Current: 139.6

30.9
140.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
EIG's Dividend Yield is ranked lower than
85% of the 101 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 3.40 vs. EIG: 0.90 )
EIG' s 10-Year Dividend Yield Range
Min: 0.27   Max: 2.86
Current: 0.9

0.27
2.86
Dividend Payout 0.08
EIG's Dividend Payout is ranked higher than
98% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.48 vs. EIG: 0.08 )
EIG' s 10-Year Dividend Payout Range
Min: 0.07   Max: 0.19
Current: 0.08

0.07
0.19
Yield on cost (5-Year) 0.90
EIG's Yield on cost (5-Year) is ranked lower than
87% of the 100 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.33 vs. EIG: 0.90 )
EIG' s 10-Year Yield on cost (5-Year) Range
Min: 0.27   Max: 2.86
Current: 0.9

0.27
2.86
Share Buyback Rate 5.00
EIG's Share Buyback Rate is ranked higher than
92% of the 90 Companies
in the Global Insurance - Specialty industry.

( Industry Median: -0.20 vs. EIG: 5.00 )
EIG' s 10-Year Share Buyback Rate Range
Min: 0   Max: 5
Current: 5

0
5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
EIG's Price/Tangible Book is ranked higher than
80% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.50 vs. EIG: 1.33 )
EIG' s 10-Year Price/Tangible Book Range
Min: 1.15   Max: 2.18
Current: 1.33

1.15
2.18
Price/DCF (Projected) 0.82
EIG's Price/DCF (Projected) is ranked higher than
92% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 3.00 vs. EIG: 0.82 )
EIG' s 10-Year Price/DCF (Projected) Range
Min: 0.57   Max: 0.9
Current: 0.82

0.57
0.9
Price/Median PS Value 0.80
EIG's Price/Median PS Value is ranked higher than
96% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.20 vs. EIG: 0.80 )
EIG' s 10-Year Price/Median PS Value Range
Min: 0.69   Max: 1.45
Current: 0.8

0.69
1.45
Price/Peter Lynch Fair Value 0.46
EIG's Price/Peter Lynch Fair Value is ranked higher than
98% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.00 vs. EIG: 0.46 )
EIG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 2.23
Current: 0.46

0.4
2.23
Price/Graham Number 0.70
EIG's Price/Graham Number is ranked higher than
84% of the 133 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.90 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) 12.70
EIG's Earnings Yield (Greenblatt) is ranked higher than
75% of the 120 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.60 vs. EIG: 12.70 )
EIG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.8   Max: 30
Current: 12.7

4.8
30
Forward Rate of Return (Yacktman) 22.40
EIG's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 63 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 13.32 vs. EIG: 22.40 )
EIG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.4   Max: 23.5
Current: 22.4

-14.4
23.5

Business Description

Industry: Insurance - Specialty » Insurance - Specialty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:YGB.Germany,
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 to select small businesses in low to medium hazard industries. The Company conducts operations in 31 states and the District of Columbia, with a concentration in California. Workers' compensation provides insurance coverage for the statutorily prescribed benefits that employers are required to provide to their employees who may be injured or suffer illness in the course of employment. The level of benefits varies by state, the nature and severity of the injury or disease, and the wages of the injured worker. The Company markets its workers' compensation insurance products through independent local, regional, and national agents and brokers; through its strategic partnerships and alliances. The Company's primary competitors in California are The Hartford Financial Services Group, Inc., Travelers Insurance Group Holdings, Inc., Zurich Insurance Group Ltd., and Berkshire Hathaway Homestate Companies. The Company's insurance subsidiaries are subject to regulation by the states in which its insurance subsidiaries are domiciled or transact business.
» More Articles for EIG

Headlines

Articles On GuruFocus.com
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 
Employers Holdings Inc. (EIG) CEO Douglas D Dirks buys 2,000 Shares Nov 24 2009 


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