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.
The historical data trend for Employers Holdings's OCF 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.
FRA:YGB vs TIPT, AMSF, ITIC: OCF Margin % Comparison
For the Insurance - Specialty subindustry, Employers Holdings's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Employers Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Employers Holdings's OCF 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 (FRA:YGB) has a OCF Margin % of -4.68% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Employers Holdings and its competitors. Over the past decade, Employers Holdings' OCF Margin % has ranged from 1.54 to 22.51. According to the industry distribution chart, Employers Holdings ranks #369 out of 502 companies in the Insurance industry, placing it in the top 73.5%.
Is Employers Holdings' OCF Margin % too high?
Employers Holdings' current OCF Margin % is -4.68%. Over the past 10 years, this metric has ranged from a low of 1.54 to a high of 22.51. Based on the distribution chart, Employers Holdings ranks #369 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Employers Holdings has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Employers Holdings' OCF Margin % compare to TIPT and AMSF?
According to the Insurance industry distribution chart, Employers Holdings ranks #369 out of 502 companies for OCF Margin %. This places Employers Holdings in the lower half of its industry. The industry median OCF Margin % is 10.61. Historically, Employers Holdings' own OCF Margin % has ranged from 1.54 to 22.51 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.61, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Employers Holdings and its competitors. For the Insurance industry, the median OCF Margin % is 10.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Employers Holdings's current OCF Margin % is -4.68%. 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 (FRA:YGB) is currently considered Modestly Undervalued. The stock's GF Value™ is €46.83, compared to a current price of €41.00 — trading 12.4% below its estimated fair value. The current OCF Margin % is -4.68%. Employers Holdings' overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Employers Holdings (FRA:YGB), the current OCF Margin % is -4.68% 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 (FRA:YGB) Overvalued in 2026?
Based on GuruFocus' analysis, Employers Holdings stock appears to be undervalued.
The current stock price of €41.00 is trading 12.4% below its estimated GF Value™ of €46.83.
GuruFocus considers Employers Holdings to be Modestly Undervalued.
Key valuation signals for FRA:YGB:
OCF Margin %: -4.68%
GF Value™: €46.83 vs. price of €41.00 (12.4% below fair value)
No single metric tells the full story. See the FRA:YGB 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.
67GF Score
Get the complete analysis for FRA:YGB
OCF 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
FRA:YGB has been successfully added to your 
