Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Employers HoldingsEIG +0.20%70 Net Margin % is 13.22% as of Jun. 2026, which is 4% below its 10-year median of 13.78. 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 499 Insurance companies, Employers Holdings ranks worse than 87.98% on this metric.
Employers Holdings (NYSE:EIG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Employers Holdings Net Margin % Related Terms
Employers Holdings Net Margin % Historical Data
* Premium members only.
The historical data trend for Employers Holdings's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Employers Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Employers Holdings's Net Margin % 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 Net Margin % of 13.22% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Employers Holdings and its competitors. This is near median its historical median of 13.78. Over the past decade, Employers Holdings' Net Margin % has ranged from 0.91 to 18.79. According to the industry distribution chart, Employers Holdings ranks #439 out of 499 companies in the Insurance industry, placing it in the top 88%.
Is Employers Holdings' Net Margin % too high?
Employers Holdings' current Net Margin % of 13.22% is near median its 10-year median of 13.78. Over the past 10 years, this metric has ranged from a low of 0.91 to a high of 18.79. The Insurance industry median Net Margin % is 9.15. Employers Holdings' value of 13.22% is 44.5% above this industry median. Based on the distribution chart, Employers Holdings ranks #439 out of 499 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' Net Margin % compare to TIPT and AMSF?
According to the Insurance industry distribution chart, Employers Holdings ranks #439 out of 499 companies for Net Margin %. This places Employers Holdings in the lower half of its industry. The industry median Net Margin % is 9.15. Employers Holdings' value of 13.22% is 44.5% above this benchmark. Historically, Employers Holdings' own Net Margin % has ranged from 0.91 to 18.79 over the past decade. While the company's 10-year median is 13.78 vs. the industry median of 9.15, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.15, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Employers Holdings's current Net Margin % of 13.22% is 44.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Employers Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Employers Holdings's current Net Margin % is 13.22%, which is near median its own 10-year median of 13.78. 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 Net Margin % is 13.22%, which is near median its 10-year median of 13.78 and 44.5% above the Insurance industry median of 9.15. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Employers Holdings (EIG), the current Net Margin % is 13.22% 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:
Net Margin %: 13.22% (near median its 10-year median of 13.78)
GF Value™: $53.74 vs. price of $50.65 (5.7% below fair value)
Industry Position: 44.5% above the Insurance median (#439 of 499)
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
Get the complete analysis for EIG
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
EIG has been successfully added to your 
