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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 0.36
EIG's Cash to Debt is ranked higher than
59% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. EIG: 0.36 )
EIG' s 10-Year Cash to Debt Range
Min: 0.34   Max: No Debt
Current: 0.36

Equity to Asset 0.17
EIG's Equity to Asset is ranked higher than
60% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. EIG: 0.17 )
EIG' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.17
Current: 0.17

0.09
0.17
Interest Coverage 16.38
EIG's Interest Coverage is ranked higher than
67% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.94 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: 0.61
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 (%) 11.74
EIG's Operating margin (%) is ranked higher than
74% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.16 vs. EIG: 11.74 )
EIG' s 10-Year Operating margin (%) Range
Min: 7.35   Max: 48.88
Current: 11.74

7.35
48.88
Net-margin (%) 12.83
EIG's Net-margin (%) is ranked higher than
82% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.48 vs. EIG: 12.83 )
EIG' s 10-Year Net-margin (%) Range
Min: 8.82   Max: 32.98
Current: 12.83

8.82
32.98
ROE (%) 17.03
EIG's ROE (%) is ranked higher than
88% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.28 vs. EIG: 17.03 )
EIG' s 10-Year ROE (%) Range
Min: 10.21   Max: 178.29
Current: 17.03

10.21
178.29
ROA (%) 2.67
EIG's ROA (%) is ranked higher than
72% of the 203 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.06 vs. EIG: 2.67 )
EIG' s 10-Year ROA (%) Range
Min: 1.4   Max: 5.46
Current: 2.67

1.4
5.46
ROC (Joel Greenblatt) (%) 557.36
EIG's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 275.38 vs. EIG: 557.36 )
EIG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 339.81   Max: 3321.64
Current: 557.36

339.81
3321.64
Revenue Growth (%) 31.30
EIG's Revenue Growth (%) is ranked higher than
97% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 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
62% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 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
75% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 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

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
Q1 2014

EIG Guru Trades in Q1 2014

HOTCHKIS & WILEY 308,700 sh (New)
Paul Tudor Jones 30,744 sh (+82.5%)
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2014-03-31 New Buy0.02%$19.15 - $31.77 $ 19.46-17%308700
Arnold Schneider 2013-12-31 Sold Out 0.03%$28.04 - $32.64 $ 19.46-37%0
Arnold Schneider 2013-09-30 Reduce -45.85%0.19%$24.5 - $29.88 $ 19.46-29%97690
HOTCHKIS & WILEY 2013-03-31 Sold Out 0.08%$20.58 - $23.45 $ 19.46-10%0
Arnold Schneider 2012-12-31 Add 37.69%0.13%$17.65 - $20.62 $ 19.462%242870
Arnold Schneider 2012-09-30 Add 42.46%0.09%$17.45 - $19.12 $ 19.467%176385
Arnold Schneider 2012-06-30 New Buy0.21%$16.5 - $17.91 $ 19.4614%123814
David Einhorn 2011-12-31 Sold Out 0.18%$12.09 - $18.44 $ 19.4620%0
David Einhorn 2011-09-30 Reduce -31.99%0.11%$10.93 - $16.49 $ 19.4646%663420
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 6.40
EIG's P/E(ttm) is ranked higher than
96% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.00 vs. EIG: 6.40 )
EIG' s 10-Year P/E(ttm) Range
Min: 4.25   Max: 39.54
Current: 6.4

4.25
39.54
P/B 0.95
EIG's P/B is ranked higher than
84% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.24 vs. EIG: 0.95 )
EIG' s 10-Year P/B Range
Min: 0.8   Max: 26.6
Current: 0.95

0.8
26.6
P/S 0.82
EIG's P/S is ranked higher than
83% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.21 vs. EIG: 0.82 )
EIG' s 10-Year P/S Range
Min: 0.82   Max: 2.79
Current: 0.82

0.82
2.79
PFCF 3.99
EIG's PFCF is ranked higher than
92% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.17 vs. EIG: 3.99 )
EIG' s 10-Year PFCF Range
Min: 3.83   Max: 99.65
Current: 3.99

3.83
99.65
EV-to-EBIT 7.55
EIG's EV-to-EBIT is ranked higher than
79% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. EIG: 7.55 )
EIG' s 10-Year EV-to-EBIT Range
Min: 3.3   Max: 21
Current: 7.55

3.3
21
PEG 3.76
EIG's PEG is ranked higher than
84% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. EIG: 3.76 )
EIG' s 10-Year PEG Range
Min: 0.67   Max: 2.58
Current: 3.76

0.67
2.58
Shiller P/E 8.61
EIG's Shiller P/E is ranked higher than
99% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.02 vs. EIG: 8.61 )
EIG' s 10-Year Shiller P/E Range
Min: 8.61   Max: 15.43
Current: 8.61

8.61
15.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.23
EIG's Dividend Yield is ranked lower than
83% of the 163 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.51 vs. EIG: 1.23 )
EIG' s 10-Year Dividend Yield Range
Min: 0.27   Max: 2.86
Current: 1.23

0.27
2.86
Dividend Payout 0.08
EIG's Dividend Payout is ranked higher than
99% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 vs. EIG: 0.08 )
EIG' s 10-Year Dividend Payout Range
Min: 0.02   Max: 0.38
Current: 0.08

0.02
0.38
Yield on cost (5-Year) 1.20
EIG's Yield on cost (5-Year) is ranked lower than
83% of the 165 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.20 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
96% of the 163 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 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 1.02
EIG's Price/Tangible Book is ranked higher than
84% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.47 vs. EIG: 1.02 )
EIG' s 10-Year Price/Tangible Book Range
Min: 1.01   Max: 25.76
Current: 1.02

1.01
25.76
Price/DCF (Projected) 0.34
EIG's Price/DCF (Projected) is ranked higher than
95% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.69 vs. EIG: 0.34 )
EIG' s 10-Year Price/DCF (Projected) Range
Min: 0.33   Max: 0.62
Current: 0.34

0.33
0.62
Price/Median PS Value 0.57
EIG's Price/Median PS Value is ranked higher than
97% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. EIG: 0.57 )
EIG' s 10-Year Price/Median PS Value Range
Min: 0.61   Max: 1.89
Current: 0.57

0.61
1.89
Price/Peter Lynch Fair Value 0.67
EIG's Price/Peter Lynch Fair Value is ranked higher than
94% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. EIG: 0.67 )
EIG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.56   Max: 2.52
Current: 0.67

0.56
2.52
Price/Graham Number 0.53
EIG's Price/Graham Number is ranked higher than
95% of the 206 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. EIG: 0.53 )
EIG' s 10-Year Price/Graham Number Range
Min: 0.49   Max: 1.14
Current: 0.53

0.49
1.14
Earnings Yield (Greenblatt) 13.20
EIG's Earnings Yield (Greenblatt) is ranked higher than
76% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. EIG: 13.20 )
EIG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.8   Max: 30
Current: 13.2

4.8
30
Forward Rate of Return (Yacktman) 19.18
EIG's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.93 vs. EIG: 19.18 )
EIG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.1   Max: 21.1
Current: 19.18

-14.1
21.1

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
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 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.
» 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 

More From Other Websites
Employers Holdings, Inc. Schedules Third Quarter 2014 Earnings Release and Conference Call Oct 09 2014
EMPLOYERS® Names Kimberly K. Hulse as Vice President, Regional Sales Sep 30 2014
EMPLOYERS Launches Coventry/NT24 for Injured Workers Sep 11 2014
EMPLOYERS® Launches Coventry/NT24 Hotline to Help Florida Small Businesses Manage Work-Related... Sep 10 2014
Zacks Industry Outlook Highlights: Employers Holdings, Fidelity & Guaranty Life Common, AmTrust... Sep 08 2014
EMPLOYERS® Announces Partnership with Montana Chamber of Commerce Sep 03 2014
EMPLOYERS HOLDINGS, INC. Financials Aug 08 2014
EMPLOYERS HOLDINGS, INC. Files SEC form 10-Q, Quarterly Report Jul 31 2014
Employers Holdings Rallies as Profit Beats Estimates Jul 31 2014
Employers Holdings Inc Earnings Call scheduled for 11:30 am ET today Jul 31 2014
EMPLOYERS HOLDINGS, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 30 2014
Employers Holdings, Inc. Reports Second Quarter 2014 Earnings and Declares Third Quarter 2014... Jul 30 2014
Q2 2014 Employers Holdings, Inc. Earnings Release - After Market Close Jul 30 2014
Employers Holdings, Inc. Schedules Second Quarter 2014 Earnings Release and Conference Call Jul 18 2014
Only 1 in 5 Small Businesses are Hiring Student Workers This Summer Jun 24 2014
EMPLOYERS HOLDINGS, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 27 2014
Employers Holdings, Inc. Announces Upcoming Meetings with Investors May 21 2014
EMPLOYERS® Names Aaron Mikulsky Senior Vice President, Business and Policyholder Services May 19 2014
Employers Holdings management to meet with FBR Capital May 14 2014
EMPLOYERS® Names Frank Buonomo Vice President, IT Infrastructure and Operations May 05 2014

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