Employers Holdings Inc
$
41.73
-0.1 (-0.24%)
| Volume: | 79,004 | Avg Vol (1m): | 149,067 |
| Market Cap $: | 1.34 Bil | Enterprise Value $: | 1.27 Bil |
| P/E (TTM): | 8.27 | P/B: | 1.25 |
| Earnings Power Value | -0.68 |
| Net Current Asset Value | 0 |
| Tangible Book | 31.19 |
| Projected FCF | 74.13 |
| Median P/S Value | 34.85 |
| Graham Number | 59.53 |
| Peter Lynch Value | 82.77 |
| DCF (FCF Based) | 0 |
| DCF (Earnings Based) | 0 |
1Y (-%)
Manual of Stocks™ Web
Financial Strength : 5/10
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.
| Current | vs industry | vs history | |
|---|---|---|---|
| Cash-to-Debt | 4.62 |
Cash-To-Debt ranked
lower than
53.52%
of
71
companies
in the
Insurance - Specialty
industry.
Industry Max: 10000, Med: 5.79, Min: 0.05
EIG:
4.62
Ranked among companies with meaningful Cash-To-Debt only.
|
Cash-To-Debt range over the past 10 years
Min: 0.34, Med: 1.8, Max: 10000
Current: 4.62
|
| Equity-to-Asset | 0.27 |
Equity-to-Asset ranked
lower than
59.72%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 0.91, Med: 0.29, Min: 0.02
EIG:
0.27
Ranked among companies with meaningful Equity-to-Asset only.
|
Equity-to-Asset range over the past 10 years
Min: 0.09, Med: 0.15, Max: 0.27
Current: 0.27
|
| Debt-to-Equity | 0.02 |
Debt-to-Equity ranked
higher than
94.87%
of
39
companies
in the
Insurance - Specialty
industry.
Industry Max: 9.52, Med: 0.21, Min: 0.01
EIG:
0.02
Ranked among companies with meaningful Debt-to-Equity only.
|
Debt-to-Equity range over the past 10 years
Min: 0.02, Med: 0.18, Max: 0.41
Current: 0.02
|
| Debt-to-EBITDA | 0.10 |
Debt-to-EBITDA ranked
higher than
88.89%
of
36
companies
in the
Insurance - Specialty
industry.
Industry Max: 16.17, Med: 1.19, Min: 0.03
EIG:
0.1
Ranked among companies with meaningful Debt-to-EBITDA only.
|
Debt-to-EBITDA range over the past 10 years
Min: 0.1, Med: 0.89, Max: 2.16
Current: 0.1
|
| WACC vs ROIC % |
ROIC 19.15%
WACC 4.96%
| ||
Profitability & Growth : 3/10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
| Current | vs industry | vs history | |
|---|---|---|---|
| Net Margin % | 20.12 |
Net Margin ranked
higher than
70.83%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 424.16, Med: 7.04, Min: -4366.67
EIG:
20.12
Ranked among companies with meaningful Net Margin only.
|
Net Margin range over the past 10 years
Min: 8.82, Med: 13.35, Max: 20.12
Current: 20.12
|
| ROE % | 16.86 |
ROE ranked
higher than
68.06%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 33.51, Med: 7.61, Min: -68.71
EIG:
16.86
Ranked among companies with meaningful ROE only.
|
ROE range over the past 10 years
Min: 10.21, Med: 13.19, Max: 21.35
Current: 16.86
|
| ROA % | 4.29 |
ROA ranked
higher than
58.33%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 19.63, Med: 2, Min: -44.19
EIG:
4.29
Ranked among companies with meaningful ROA only.
|
ROA range over the past 10 years
Min: 1.4, Med: 2.59, Max: 4.29
Current: 4.29
|
| 3-Year Total Revenue Growth Rate | 2.10 |
3-Year Revenue Growth Rate ranked
lower than
72.88%
of
59
companies
in the
Insurance - Specialty
industry.
Industry Max: 377.7, Med: 6.1, Min: -54.6
EIG:
1.3
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
|
3-Year Revenue Growth Rate range over the past 10 years
Min: -5.1, Med: 7.4, Max: 33.5
Current: 1.3
|
| 3-Year Total EBITDA Growth Rate | 17.10 |
3-Year EBITDA Growth Rate ranked
higher than
61.70%
of
47
companies
in the
Insurance - Specialty
industry.
Industry Max: 171.4, Med: 3.3, Min: -41.6
EIG:
16.2
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
|
3-Year EBITDA Growth Rate range over the past 10 years
Min: 0, Med: -8.45, Max: 34.1
Current: 16.2
|
| 3-Year EPS w/o NRI Growth Rate | 13.50 |
3-Year EPS w/o NRI Growth Rate ranked
lower than
55.32%
of
47
companies
in the
Insurance - Specialty
industry.
Industry Max: 82.2, Med: 1.5, Min: -100
EIG:
13.5
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
|
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: -8.1, Max: 34.2
Current: 13.5
|
» EIG's 30-Y Financials
Financials (Next Earnings Date: 2019-07-26)
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Business Description
| Industry | Insurance - Specialty » Insurance - Specialty   NAICS : 524128   SIC : 6331 |
| Compare | XSWX:VAHN XKLS:6139 NAS:TRUP LSE:LRE XTER:NBG6 NAS:AMBC ADX:AWNIC OSL:PROTCT ASX:NHF LSE:RQIH JSE:SNT NAS:ITIC NAS:TIPT TSX:TSU NAS:PPHI OTCPK:FACO NAS:ICCH IST:GUSGR TSX:MIC SAU:8210 |
| Traded in other countries | YGB.Germany |
| Address | 10375 Professional Circle, Reno, NV, USA, 89521 |
| Employers Holdings provides workers' compensation insurance, primarily to small businesses in low- to medium-hazard industries. Its customers are employers, and the insurance premiums that those employers pay accounts for more than 90% of total company revenue. Substantially all of the remaining revenue is generated through investments. The company operates exclusively in the United States, and it generates more than half of its business in California. By industry, the company has the most exposure to restaurants, which account for roughly a fourth of the total premiums the company earns. | |
Ratios
| Current | vs industry | vs history | |
|---|---|---|---|
| PE Ratio (TTM) | 8.27 |
PE Ratio ranked
higher than
54.24%
of
59
companies
in the
Insurance - Specialty
industry.
Industry Max: 307.5, Med: 13.54, Min: 0.03
EIG:
8.27
Ranked among companies with meaningful PE Ratio only.
|
PE Ratio range over the past 10 years
Min: 4.23, Med: 9.44, Max: 16.48
Current: 8.27
|
| Forward PE Ratio | 16.00 |
Forward P/E ranked
lower than
100.00%
of
24
companies
in the
Insurance - Specialty
industry.
Industry Max: 1666.67, Med: 12.47, Min: 5.34
EIG:
16
Ranked among companies with meaningful Forward P/E only.
| N/A |
| PE Ratio without NRI | 8.27 |
PE without NRI ranked
higher than
53.33%
of
60
companies
in the
Insurance - Specialty
industry.
Industry Max: 307.5, Med: 13.54, Min: 0.03
EIG:
8.27
Ranked among companies with meaningful PE without NRI only.
|
PE without NRI range over the past 10 years
Min: 4.23, Med: 9.44, Max: 16.48
Current: 8.27
|
| Price-to-Owner-Earnings | 9.27 |
Price-to-Owner-Earnings ranked
lower than
52.38%
of
42
companies
in the
Insurance - Specialty
industry.
Industry Max: 228.03, Med: 11.35, Min: 1.12
EIG:
9.27
Ranked among companies with meaningful Price-to-Owner-Earnings only.
|
Price-to-Owner-Earnings range over the past 10 years
Min: 3.49, Med: 8.76, Max: 26.96
Current: 9.27
|
| PB Ratio | 1.25 |
PB Ratio ranked
lower than
57.75%
of
71
companies
in the
Insurance - Specialty
industry.
Industry Max: 22.26, Med: 1.15, Min: 0.32
EIG:
1.25
Ranked among companies with meaningful PB Ratio only.
|
PB Ratio range over the past 10 years
Min: 0.8, Med: 1.26, Max: 2.53
Current: 1.25
|
| PS Ratio | 1.65 |
PS Ratio ranked
lower than
57.75%
of
71
companies
in the
Insurance - Specialty
industry.
Industry Max: 1229.09, Med: 1.5, Min: 0.12
EIG:
1.65
Ranked among companies with meaningful PS Ratio only.
|
PS Ratio range over the past 10 years
Min: 0.81, Med: 1.39, Max: 2.55
Current: 1.65
|
| Price-to-Free-Cash-Flow | 9.77 |
Price-to-Free-Cash-Flow ranked
higher than
59.18%
of
49
companies
in the
Insurance - Specialty
industry.
Industry Max: 2500, Med: 11.08, Min: 1.19
EIG:
9.77
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
|
Price-to-Free-Cash-Flow range over the past 10 years
Min: 3.66, Med: 8.62, Max: 101.44
Current: 9.77
|
| Price-to-Operating-Cash-Flow | 9.07 |
Price-to-Operating-Cash-Flow ranked
higher than
56.60%
of
53
companies
in the
Insurance - Specialty
industry.
Industry Max: 2416.67, Med: 10.52, Min: 1.19
EIG:
9.07
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
|
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 3.49, Med: 8.19, Max: 967.06
Current: 9.07
|
| EV-to-EBIT | 6.19 |
EV-to-EBIT ranked
higher than
57.41%
of
54
companies
in the
Insurance - Specialty
industry.
Industry Max: 48.44, Med: 9.72, Min: 0.24
EIG:
6.19
Ranked among companies with meaningful EV-to-EBIT only.
|
EV-to-EBIT range over the past 10 years
Min: 5, Med: 8.2, Max: 25.5
Current: 6.19
|
| EV-to-EBITDA | 6.01 |
EV-to-EBITDA ranked
higher than
56.36%
of
55
companies
in the
Insurance - Specialty
industry.
Industry Max: 361.55, Med: 9.13, Min: 0.23
EIG:
6.01
Ranked among companies with meaningful EV-to-EBITDA only.
|
EV-to-EBITDA range over the past 10 years
Min: 4.5, Med: 7.7, Max: 22.4
Current: 6.01
|
| EV-to-Revenue | 1.47 |
EV-to-Revenue ranked
lower than
58.82%
of
68
companies
in the
Insurance - Specialty
industry.
Industry Max: 62023.67, Med: 1.27, Min: 0.01
EIG:
1.47
Ranked among companies with meaningful EV-to-Revenue only.
|
EV-to-Revenue range over the past 10 years
Min: 0.8, Med: 1.2, Max: 2
Current: 1.47
|
| PEG Ratio | 0.43 |
PEG Ratio ranked
lower than
58.33%
of
24
companies
in the
Insurance - Specialty
industry.
Industry Max: 43, Med: 0.94, Min: 0.16
EIG:
0.43
Ranked among companies with meaningful PEG Ratio only.
|
PEG Ratio range over the past 10 years
Min: 0.32, Med: 0.57, Max: 3
Current: 0.43
|
| Shiller PE Ratio | 13.99 |
Shiller PE Ratio ranked
higher than
62.50%
of
24
companies
in the
Insurance - Specialty
industry.
Industry Max: 46.96, Med: 16.7, Min: 6.86
EIG:
13.99
Ranked among companies with meaningful Shiller PE Ratio only.
|
Shiller PE Ratio range over the past 10 years
Min: 8.28, Med: 14.61, Max: 18.8
Current: 13.99
|
Dividend & Buy Back
| Current | vs industry | vs history | |
|---|---|---|---|
| Dividend Yield % | 2.01 |
Trailing Dividend Yield ranked
lower than
90.99%
of
111
companies
in the
Insurance - Specialty
industry.
Industry Max: 15.32, Med: 3.46, Min: 0.05
EIG:
2.01
Ranked among companies with meaningful Trailing Dividend Yield only.
|
Trailing Dividend Yield range over the past 10 years
Min: 0.74, Med: 1.31, Max: 2.86
Current: 2.01
|
| Dividend Payout Ratio | 0.16 |
Dividend Payout Ratio ranked
higher than
84.91%
of
53
companies
in the
Insurance - Specialty
industry.
Industry Max: 4.02, Med: 0.38, Min: 0.01
EIG:
0.16
Ranked among companies with meaningful Dividend Payout Ratio only.
|
Dividend Payout Ratio range over the past 10 years
Min: 0.07, Med: 0.13, Max: 0.2
Current: 0.16
|
| 3-Year Dividend Growth Rate (Per Share) | 49.40 |
3-Year Dividend Growth Rate ranked
higher than
94.74%
of
38
companies
in the
Insurance - Specialty
industry.
Industry Max: 58.7, Med: 8.3, Min: -100
EIG:
49.4
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
|
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 49.4
Current: 49.4
|
| Forward Dividend Yield % | 2.11 |
Forward Dividend Yield ranked
lower than
81.44%
of
97
companies
in the
Insurance - Specialty
industry.
Industry Max: 13.61, Med: 4.14, Min: 0.05
EIG:
2.11
Ranked among companies with meaningful Forward Dividend Yield only.
| N/A |
| Yield-on-Cost (5-Year) % | 7.50 |
Yield-on-Cost (5y) ranked
lower than
75.61%
of
123
companies
in the
Insurance - Specialty
industry.
Industry Max: 80, Med: 5.59, Min: 0.05
EIG:
7.5
Ranked among companies with meaningful Yield-on-Cost (5y) only.
|
Yield-on-Cost (5y) range over the past 10 years
Min: 2.75, Med: 4.86, Max: 10.62
Current: 7.5
|
| 3-Year Share Buyback Rate | -1.10 |
3-Year Share Buyback Rate ranked
lower than
68.29%
of
41
companies
in the
Insurance - Specialty
industry.
Industry Max: 71.7, Med: -0.2, Min: -17
EIG:
-1.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
|
3-Year Share Buyback Rate range over the past 10 years
Min: -1.5, Med: 1.75, Max: 12.2
Current: -1.1
|
Valuation & Return
| Current | vs industry | vs history | |
|---|---|---|---|
| Price-to-Tangible-Book | 1.34 |
Price-to-Tangible-Book ranked
lower than
50.72%
of
69
companies
in the
Insurance - Specialty
industry.
Industry Max: 24.81, Med: 1.46, Min: 0.32
EIG:
1.34
Ranked among companies with meaningful Price-to-Tangible-Book only.
|
Price-to-Tangible-Book range over the past 10 years
Min: 1, Med: 1.44, Max: 25.76
Current: 1.34
|
| Price-to-Projected-FCF | 0.56 |
Price-to-Intrinsic-Value-Projected-FCF ranked
higher than
76.47%
of
34
companies
in the
Insurance - Specialty
industry.
Industry Max: 3.73, Med: 0.77, Min: 0.1
EIG:
0.56
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
|
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.33, Med: 0.51, Max: 0.78
Current: 0.56
|
| Price-to-Median-PS-Value | 1.20 |
Price-to-Median-PS-Value ranked
lower than
67.80%
of
59
companies
in the
Insurance - Specialty
industry.
Industry Max: 4.78, Med: 0.99, Min: 0.09
EIG:
1.2
Ranked among companies with meaningful Price-to-Median-PS-Value only.
|
Price-to-Median-PS-Value range over the past 10 years
Min: 0.58, Med: 1.04, Max: 1.86
Current: 1.2
|
| Price-to-Peter-Lynch-Fair-Value | 0.50 |
Price-to-Peter-Lynch-Fair-Value ranked
lower than
81.82%
of
11
companies
in the
Insurance - Specialty
industry.
Industry Max: 2.63, Med: 0.86, Min: 0.24
EIG:
0.5
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
|
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.33, Med: 0.65, Max: 2.93
Current: 0.5
|
| Price-to-Graham-Number | 0.70 |
Price-to-Graham-Number ranked
higher than
50.00%
of
50
companies
in the
Insurance - Specialty
industry.
Industry Max: 5.26, Med: 0.93, Min: 0.03
EIG:
0.7
Ranked among companies with meaningful Price-to-Graham-Number only.
|
Price-to-Graham-Number range over the past 10 years
Min: 0.5, Med: 0.84, Max: 2.95
Current: 0.7
|
| Earnings Yield (Joel Greenblatt) % | 16.10 |
Earnings Yield (Greenblatt) ranked
higher than
68.06%
of
72
companies
in the
Insurance - Specialty
industry.
Industry Max: 416.67, Med: 7.42, Min: -555.56
EIG:
16.1
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
|
Earnings Yield (Greenblatt) range over the past 10 years
Min: 3.9, Med: 12.1, Max: 20.1
Current: 16.1
|
| Forward Rate of Return (Yacktman) % | 26.23 |
Forward Rate of Return ranked
higher than
63.16%
of
38
companies
in the
Insurance - Specialty
industry.
Industry Max: 91.04, Med: 13.79, Min: -41.13
EIG:
26.23
Ranked among companies with meaningful Forward Rate of Return only.
|
Forward Rate of Return range over the past 10 years
Min: -14.6, Med: 24.05, Max: 37.4
Current: 26.23
|
More Statistics
| Revenue (TTM) (Mil) $ | 832.7 |
| EPS (TTM) $ | 5.05 |
| Beta | 0.46 |
| Volatility % | 19.81 |
| 52-Week Range $ | 39.31 - 47.97 |
| Shares Outstanding (Mil) | 32.05 |
Analyst Estimate
Piotroski F-Score Details
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