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Employers HoldingsEIG +0.85%71 Debt-to-Equity is 0.15 as of Jun. 2026, which is 650% above its 10-year median of 0.02. GuruFocus rates EIG with a GF Score™ of 71/100 and a GF Value™ of $53.75 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 403 Insurance companies, Employers Holdings ranks better than 59.8% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Employers Holdings's Debt-to-Equity or its related term are showing as below:
EIG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.02 Max: 0.21
Current: 0.15
During the past 13 years, the highest Debt-to-Equity Ratio of Employers Holdings was 0.21. The lowest was 0.00. And the median was 0.02.
EIG's Debt-to-Equity is ranked better than 59.8% of 403
companies
in the Insurance industry
Industry Median: 0.21
vs EIG: 0.15
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Employers Holdings Debt-to-Equity Related Terms
Employers Holdings Debt-to-Equity Historical Data
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The historical data trend for Employers Holdings's Debt-to-Equity 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-Equity Comparison
For the Insurance - Specialty subindustry, Employers Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Employers Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Employers Holdings's Debt-to-Equity 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.
Employers Holdings (EIG) has a Debt-to-Equity of 0.15 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Employers Holdings and its competitors. This is 650% above median its historical median of 0.02. According to the industry distribution chart, Employers Holdings ranks #162 out of 403 companies in the Insurance industry, placing it in the top 40.2%.
Is Employers Holdings' Debt-to-Equity too high?
Employers Holdings' current Debt-to-Equity of 0.15 is 650% above median its 10-year median of 0.02. The Insurance industry median Debt-to-Equity is 0.21. Employers Holdings' value of 0.15 is 28.6% below this industry median. Based on the distribution chart, Employers Holdings ranks #162 out of 403 companies in the Insurance industry, which is above the industry midpoint. Overall, Employers Holdings has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Employers Holdings' Debt-to-Equity compare to TIPT and AMSF?
According to the Insurance industry distribution chart, Employers Holdings ranks #162 out of 403 companies for Debt-to-Equity. This puts Employers Holdings in the upper half of its industry. The industry median Debt-to-Equity is 0.21. Employers Holdings' value of 0.15 is 28.6% below this benchmark. While the company's 10-year median is 0.02 vs. the industry median of 0.21, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Employers Holdings's current Debt-to-Equity of 0.15 is 28.6% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Employers Holdings and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Employers Holdings's current Debt-to-Equity is 0.15, which is 650% above median its own 10-year median of 0.02. 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 Modestly Undervalued. The stock's GF Value™ is $53.75, compared to a current price of $48.52 — trading 9.7% below its estimated fair value. The current Debt-to-Equity is 0.15, which is 650% above median its 10-year median of 0.02 and 28.6% below the Insurance industry median of 0.21. Employers Holdings' overall GF Score™ is 71/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Employers Holdings (EIG), the current Debt-to-Equity is 0.15 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 $48.52 is trading 9.7% below its estimated GF Value™ of $53.75.
GuruFocus considers Employers Holdings to be Modestly Undervalued.
Key valuation signals for EIG:
Debt-to-Equity: 0.15 (650% above median its 10-year median of 0.02)
GF Value™: $53.75 vs. price of $48.52 (9.7% below fair value)
Industry Position: 28.6% below the Insurance median (#162 of 403)
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.
71GF Score
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