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Employers Holdings, Inc.

EIG Clue Score52
United States Fiscal year ends December CIK 0001379041
$49.40 -1.34% Close, 9 Oct 2026
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Price $49.40 +20.84% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue779.8Net income106.7EPS, diluted3.24Fiscal year 2017Revenue801.4 +2.8%Net income101.2 −5.2%EPS, diluted3.06 −5.6%Fiscal year 2018Revenue800.4 −0.1%Net income141.3 +39.6%EPS, diluted4.24 +38.6%Fiscal year 2019Revenue835.9 +4.4%Net income157.1 +11.2%EPS, diluted4.83 +13.9%Fiscal year 2020Revenue711.4 −14.9%Net income119.8 −23.7%EPS, diluted3.97 −17.8%Fiscal year 2021Revenue703.1 −1.2%Net income119.3 −0.4%EPS, diluted4.17 +5.0%Fiscal year 2022Revenue713.5 +1.5%Net income48.4 −59.4%EPS, diluted1.75 −58.0%Fiscal year 2023Revenue850.9 +19.3%Net income118.1 +144.0%EPS, diluted4.45 +154.3%Fiscal year 2024Revenue880.7 +3.5%Net income118.6 +0.4%EPS, diluted4.71 +5.8%Fiscal year 2025Revenue858.7 −2.5%Net income10.8 −90.9%EPS, diluted0.46 −90.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 779.8 801.4 800.4 835.9 711.4 703.1 713.5 850.9 880.7 858.7
Growth +2.8% −0.1% +4.4% −14.9% −1.2% +1.5% +19.3% +3.5% −2.5%
Net income 106.7 101.2 141.3 157.1 119.8 119.3 48.4 118.1 118.6 10.8
Growth −5.2% +39.6% +11.2% −23.7% −0.4% −59.4% +144.0% +0.4% −90.9%
EPS, diluted 3.24 3.06 4.24 4.83 3.97 4.17 1.75 4.45 4.71 0.46
Growth −5.6% +38.6% +13.9% −17.8% +5.0% −58.0% +154.3% +5.8% −90.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin13.7%Free cash flow margin15.7%Fiscal year 2017Net margin12.6%Free cash flow margin17.7%Fiscal year 2018Net margin17.7%Free cash flow margin22.5%Fiscal year 2019Net margin18.8%Free cash flow margin14.6%Fiscal year 2020Net margin16.8%Free cash flow margin4.6%Fiscal year 2021Net margin17.0%Free cash flow margin1.5%Fiscal year 2022Net margin6.8%Free cash flow margin14.0%Fiscal year 2023Net margin13.9%Free cash flow margin5.8%Fiscal year 2024Net margin13.5%Free cash flow margin8.7%Fiscal year 2025Net margin1.3%Free cash flow margin5.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 13.7% 12.6% 17.7% 18.8% 16.8% 17.0% 6.8% 13.9% 13.5% 1.3%
Free cash flow margin 15.7% 17.7% 22.5% 14.6% 4.6% 1.5% 14.0% 5.8% 8.7% 5.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow122.8Capital expenditure−0.7Free cash flow122.1Buybacks−21.1Dividends paid−11.5Fiscal year 2017Operating cash flow142.3Capital expenditure−0.4Free cash flow141.9 +16.2%Buybacks0.0Dividends paid−19.7Fiscal year 2018Operating cash flow180.2Capital expenditure−0.3Free cash flow179.9 +26.8%Buybacks−4.2Dividends paid−26.7Fiscal year 2019Operating cash flow122.5Capital expenditure−0.7Free cash flow121.8 −32.3%Buybacks−67.5Dividends paid−28.3Fiscal year 2020Operating cash flow33.0Capital expenditure−0.1Free cash flow32.9 −73.0%Buybacks−99.4Dividends paid−30.5Fiscal year 2021Operating cash flow10.8Capital expenditure−0.3Free cash flow10.5 −68.1%Buybacks−42.6Dividends paid−29.0Fiscal year 2022Operating cash flow99.8Capital expenditure−0.1Free cash flow99.7 +849.5%Buybacks−30.4Dividends paid−90.3Fiscal year 2023Operating cash flow49.4Capital expenditure0.0Free cash flow49.4 −50.5%Buybacks−76.1Dividends paid−29.7Fiscal year 2024Operating cash flow76.4Capital expenditure−0.1Free cash flow76.3 +54.5%Buybacks−42.6Dividends paid−30.3Fiscal year 2025Operating cash flow44.7Capital expenditure−0.1Free cash flow44.6 −41.5%Buybacks−182.8Dividends paid−29.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 122.8 142.3 180.2 122.5 33.0 10.8 99.8 49.4 76.4 44.7
Capital expenditure −0.7 −0.4 −0.3 −0.7 −0.1 −0.3 −0.1 0.0 −0.1 −0.1
Free cash flow 122.1 141.9 179.9 121.8 32.9 10.5 99.7 49.4 76.3 44.6
Growth +16.2% +26.8% −32.3% −73.0% −68.1% +849.5% −50.5% +54.5% −41.5%
Buybacks −21.1 0.0 −4.2 −67.5 −99.4 −42.6 −30.4 −76.1 −42.6 −182.8
Dividends paid −11.5 −19.7 −26.7 −28.3 −30.5 −29.0 −90.3 −29.7 −30.3 −29.9

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash67.2Shareholders’ equity840.6Fiscal year 2017Cash73.3Shareholders’ equity947.7Fiscal year 2018Cash101.4Shareholders’ equity1,018.2Fiscal year 2019Cash154.9Shareholders’ equity1,165.8Fiscal year 2020Cash160.4Shareholders’ equity1,212.8Fiscal year 2021Cash75.1Shareholders’ equity1,213.1Fiscal year 2022Cash89.2Shareholders’ equity944.2Fiscal year 2023Cash226.4Shareholders’ equity1,013.9Fiscal year 2024Cash68.3Total debt0.0Net cash (debt)68.3Shareholders’ equity1,068.7Debt to equity0.00Fiscal year 2025Cash159.8Total debt19.0Net cash (debt)140.8Shareholders’ equity955.7Debt to equity0.02
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 67.2 73.3 101.4 154.9 160.4 75.1 89.2 226.4 68.3 159.8
Total debt n/a n/a n/a n/a n/a n/a n/a n/a 0.0 19.0
Net cash (debt) n/a n/a n/a n/a n/a n/a n/a n/a 68.3 140.8
Shareholders’ equity 840.6 947.7 1,018.2 1,165.8 1,212.8 1,213.1 944.2 1,013.9 1,068.7 955.7
Debt to equity n/a n/a n/a n/a n/a n/a n/a n/a 0.00 0.02

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
18.0% 18.0% 21.2% 23.2% 20.8% 20.9% 7.8% 17.4% 16.7% 1.4%
13.7% 12.6% 17.7% 18.8% 16.8% 17.0% 6.8% 13.9% 13.5% 1.3%
15.7% 17.7% 22.5% 14.6% 4.6% 1.5% 14.0% 5.8% 8.7% 5.2%
Spending
0.1% 0.0% 0.0% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
24.2% 29.7% 16.6% 18.9% 18.9% 18.8% 13.3% 20.4% 19.2% 10.0%
Returns
12.7% 10.7% 13.9% 13.5% 9.9% 9.8% 5.1% 11.6% 11.1% 1.1%
2.8% 2.6% 3.6% 3.9% 3.1% 3.2% 1.3% 3.3% 3.3% 0.3%
Balance and payout
n/a n/a n/a n/a n/a n/a n/a n/a 0.00 0.02
77.7% 75.3% 74.0% 70.9% 69.1% 67.9% 74.6% 71.4% 69.8% 72.2%
10.8% 19.5% 18.9% 18.0% 25.5% 24.3% 186.6% 25.1% 25.5% 276.9%
26.7% 13.9% 17.2% 78.7% 394.8% 681.9% 121.1% 214.2% 95.5% 476.9%