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Employers HoldingsEIG +0.20%70 PB Ratio is 1.08 as of Aug. 04, 2026, which is 3% below its 10-year median of 1.11. 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 496 Insurance companies, Employers Holdings ranks better than 66.73% on this metric.
Employers Holdings Inc stock PB Ratio (=1.07) is close to 1-year high of 1.1.
The historical rank and industry rank for Employers Holdings's PB Ratio or its related term are showing as below:
EIG'
s PB Ratio Range Over the Past 10 Years
Min: 0.72 Med: 1.11 Max: 1.72
Current: 1.08
During the past 13 years, Employers Holdings's highest PB Ratio was 1.72. The lowest was 0.72. And the median was 1.11.
EIG's PB Ratio is ranked better than 66.73% of 496
companies
in the Insurance industry
Industry Median: 1.4
vs EIG: 1.08
During the past 12 months, Employers Holdings's average Book Value Per Share Growth Rate was 3.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Employers Holdings was 245.80% per year. The lowest was -2.20% per year. And the median was 12.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Employers Holdings PB Ratio Related Terms
Employers Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Employers Holdings's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Employers Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Employers Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Employers Holdings (EIG) has a PB Ratio of 1.08 as of Aug. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Employers Holdings and its competitors. This is near median its historical median of 1.11. Over the past decade, Employers Holdings' PB Ratio has ranged from 0.72 to 1.72. According to the industry distribution chart, Employers Holdings ranks #165 out of 496 companies in the Insurance industry, placing it in the top 33.3%.
Is Employers Holdings' PB Ratio too high?
Employers Holdings' current PB Ratio of 1.08 is near median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 1.72. The Insurance industry median PB Ratio is 1.40. Employers Holdings' value of 1.08 is 22.9% below this industry median. Based on the distribution chart, Employers Holdings ranks #165 out of 496 companies in the Insurance industry, which is above the industry midpoint. 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' PB Ratio compare to TIPT and AMSF?
According to the Insurance industry distribution chart, Employers Holdings ranks #165 out of 496 companies for PB Ratio. This puts Employers Holdings in the upper half of its industry. The industry median PB Ratio is 1.40. Employers Holdings' value of 1.08 is 22.9% below this benchmark. Historically, Employers Holdings' own PB Ratio has ranged from 0.72 to 1.72 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 1.40, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Employers Holdings's current PB Ratio of 1.08 is 22.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Employers Holdings and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Employers Holdings's current PB Ratio is 1.08, which is near median its own 10-year median of 1.11. 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 PB Ratio is 1.08, which is near median its 10-year median of 1.11 and 22.9% below the Insurance industry median of 1.40. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Employers Holdings (EIG), the current PB Ratio is 1.08 as of Aug. 04, 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:
PB Ratio: 1.08 (near median its 10-year median of 1.11)
GF Value™: $53.74 vs. price of $50.65 (5.7% below fair value)
Industry Position: 22.9% below the Insurance median (#165 of 496)
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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