Employers HoldingsEIG +0.36%71 EV-to-FCF is 30.32 as of Jul. 11, 2026, which is 138% above its 10-year median of 12.73. GuruFocus rates EIG with a GF Score™ of 71/100 and a GF Value™ of $52.31 (Fairly Valued). The stock has 7 warning signs investors should review. Among 393 Insurance companies, Employers Holdings ranks worse than 86.26% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Employers Holdings's Enterprise Value is $900.4 Mil.
Employers Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $29.7 Mil. Therefore, Employers Holdings's EV-to-FCF for today is 30.32.
The historical rank and industry rank for Employers Holdings's EV-to-FCF or its related term are showing as below:
EIG'
s EV-to-FCF Range Over the Past 10 Years
Min: -50.26 Med: 12.73 Max: 598.47
Current: 30.32
During the past 13 years, the highest EV-to-FCF of Employers Holdings was 598.47. The lowest was -50.26. And the median was 12.73.
EIG's EV-to-FCF is ranked worse than 86.26% of 393
companies
in the Insurance industry
Industry Median: 9.48
vs EIG: 30.32
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Employers Holdings's PE Ratio (TTM) for today is calculated as:
Employers Holdings's share price for today is $50.69.
Employers Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.330.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Employers Holdings EV-to-FCF Related Terms
Employers Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Employers Holdings's EV-to-FCF 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.
For the Insurance - Specialty subindustry, Employers Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Employers Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Employers Holdings's EV-to-FCF falls into.
Employers Holdings's current Enterprise Value is $900.4 Mil.
Employers Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $29.7 Mil.
* 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 EV-to-FCF of 30.32 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Employers Holdings and its competitors. This is 138% above median its historical median of 12.73. According to the industry distribution chart, Employers Holdings ranks #339 out of 393 companies in the Insurance industry, placing it in the top 86.3%.
Is Employers Holdings' EV-to-FCF too high?
Employers Holdings' current EV-to-FCF of 30.32 is 138% above median its 10-year median of 12.73. The Insurance industry median EV-to-FCF is 9.48. Employers Holdings' value of 30.32 is 219.8% above this industry median. Based on the distribution chart, Employers Holdings ranks #339 out of 393 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Employers Holdings has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Employers Holdings' EV-to-FCF compare to TIPT and AMSF?
According to the Insurance industry distribution chart, Employers Holdings ranks #339 out of 393 companies for EV-to-FCF. This places Employers Holdings in the lower half of its industry. The industry median EV-to-FCF is 9.48. Employers Holdings' value of 30.32 is 219.8% above this benchmark. While the company's 10-year median is 12.73 vs. the industry median of 9.48, Employers Holdings has consistently been above 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.48, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Employers Holdings's current EV-to-FCF of 30.32 is 219.8% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Employers Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Employers Holdings's current EV-to-FCF is 30.32, which is 138% above median its own 10-year median of 12.73. 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 $52.31, compared to a current price of $50.69 — trading 3.1% below its estimated fair value. The current EV-to-FCF is 30.32, which is 138% above median its 10-year median of 12.73 and 219.8% above the Insurance industry median of 9.48. Employers Holdings' overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Employers Holdings (EIG), the current EV-to-FCF is 30.32 as of Jul. 11, 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 $50.69 is trading 3.1% below its estimated GF Value™ of $52.31.
GuruFocus considers Employers Holdings to be Fairly Valued.
Key valuation signals for EIG:
EV-to-FCF: 30.32 (138% above median its 10-year median of 12.73)
GF Value™: $52.31 vs. price of $50.69 (3.1% below fair value)
Industry Position: 219.8% above the Insurance median (#339 of 393)
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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