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Employers HoldingsEIG +0.20%70 Debt-to-EBITDA is 0.92 as of Jun. 2026, which is 667% above its 10-year median of 0.12. GuruFocus rates EIG with a GF Score™ of 70/100 and a GF Value™ of $53.74 (Fairly Valued). The stock has 4 warning signs investors should review. Among 319 Insurance companies, Employers Holdings ranks worse than 96.24% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Employers Holdings's Debt-to-EBITDA or its related term are showing as below:
EIG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.03 Med: 0.12 Max: 9.74
Current: 9.74
During the past 13 years, the highest Debt-to-EBITDA Ratio of Employers Holdings was 9.74. The lowest was 0.03. And the median was 0.12.
EIG's Debt-to-EBITDA is ranked worse than 96.24% of 319
companies
in the Insurance industry
Industry Median: 1.19
vs EIG: 9.74
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Employers Holdings Debt-to-EBITDA Related Terms
Employers Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Employers Holdings's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
EIG vs TIPT, AMSF, ITIC: Debt-to-EBITDA Comparison
For the Insurance - Specialty subindustry, Employers Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Employers Holdings Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Employers Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Employers Holdings's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Employers Holdings (EIG) has a Debt-to-EBITDA of 0.92 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Employers Holdings. This is 667% above median its historical median of 0.12. Over the past decade, Employers Holdings' Debt-to-EBITDA has ranged from 0.03 to 9.74. According to the industry distribution chart, Employers Holdings ranks #307 out of 319 companies in the Insurance industry, placing it in the top 96.2%.
Is Employers Holdings' Debt-to-EBITDA too high?
Employers Holdings' current Debt-to-EBITDA of 0.92 is 667% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 9.74. The Insurance industry median Debt-to-EBITDA is 1.19. Employers Holdings' value of 0.92 is 22.7% below this industry median. Based on the distribution chart, Employers Holdings ranks #307 out of 319 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Employers Holdings has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Employers Holdings' Debt-to-EBITDA compare to TIPT and AMSF?
According to the Insurance industry distribution chart, Employers Holdings ranks #307 out of 319 companies for Debt-to-EBITDA. This places Employers Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Employers Holdings' value of 0.92 is 22.7% below this benchmark. Historically, Employers Holdings' own Debt-to-EBITDA has ranged from 0.03 to 9.74 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 1.19, Employers Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Employers Holdings's current Debt-to-EBITDA of 0.92 is 22.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Employers Holdings. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Employers Holdings's current Debt-to-EBITDA is 0.92, which is 667% above median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Employers Holdings stock overvalued right now?
Based on GuruFocus' analysis, Employers Holdings (EIG) is currently considered Fairly Valued. The stock's GF Value™ is $53.74, compared to a current price of $50.65 — trading 5.7% below its estimated fair value. The current Debt-to-EBITDA is 0.92, which is 667% above median its 10-year median of 0.12 and 22.7% below the Insurance industry median of 1.19. Employers Holdings' overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Employers Holdings (EIG), the current Debt-to-EBITDA is 0.92 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Employers Holdings (EIG) Overvalued in 2026?
Based on GuruFocus' analysis, Employers Holdings stock appears to be undervalued.
The current stock price of $50.65 is trading 5.7% below its estimated GF Value™ of $53.74.
GuruFocus considers Employers Holdings to be Fairly Valued.
Key valuation signals for EIG:
Debt-to-EBITDA: 0.92 (667% above median its 10-year median of 0.12)
GF Value™: $53.74 vs. price of $50.65 (5.7% below fair value)
Industry Position: 22.7% below the Insurance median (#307 of 319)
No single metric tells the full story. See the EIG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Employers Holdings Inc is a provider of workers' compensation insurance and services focused on small and mid-sized businesses engaged in low-to-medium hazard industries. Its customers are employers, and the insurance premiums that those employers pay to account for 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 exposure to restaurants, which account for roughly a fourth of the total premiums the company earns. It operates as a single reportable segment, Insurance Operations through its wholly owned subsidiaries.
70GF Score
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