Employers Holdings Financials

EIG Stock  USD 53.58  0.34  0.64%   
Based on the key indicators related to Employers Holdings' liquidity, profitability, solvency, and operating efficiency, Employers Holdings may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At this time, Employers Holdings' Common Stock Shares Outstanding is most likely to decrease significantly in the upcoming years. The Employers Holdings' current Liabilities And Stockholders Equity is estimated to increase to about 3.9 B, while Net Debt is forecasted to increase to (209.5 M). Key indicators impacting Employers Holdings' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.20.1388
Way Up
Pretty Stable
Return On Assets0.03180.0333
Sufficiently Down
Slightly volatile
Debt Equity Ratio0.180.22
Significantly Down
Slightly volatile
Operating Income587.9 M559.9 M
Sufficiently Up
Slightly volatile
Current Ratio0.550.577
Sufficiently Down
Slightly volatile
Investors should never underestimate Employers Holdings' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Employers Holdings' cash flow, debt, and profitability to make informed and accurate decisions about investing in Employers Holdings.

Cash And Equivalents

113.38 Million

  
Understanding current and past Employers Holdings Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Employers Holdings' financial statements are interrelated, with each one affecting the others. For example, an increase in Employers Holdings' assets may result in an increase in income on the income statement.

Employers Holdings Stock Summary

Employers Holdings competes with AMERISAFE, NMI Holdings, Investors Title, Essent, and Ambac Financial. Employers Holdings, Inc., through its subsidiaries, operates in the commercial property and casualty insurance industry primarily in the United States. Employers Holdings, Inc. was founded in 2000 and is based in Reno, Nevada. Employers Holdings operates under InsuranceSpecialty classification in the United States and is traded on New York Stock Exchange. It employs 608 people.
Specialization
Financial Services, Insurance - Specialty
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS2922181043
CUSIP292218104
LocationNevada; U.S.A
Business Address2340 Corporate Circle,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.employers.com
Phone888 682 6671
CurrencyUSD - US Dollar

Employers Holdings Key Financial Ratios

Employers Holdings Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets4.0B3.9B3.8B3.7B3.6B3.9B
Net Debt(137.1M)(140.4M)(58.5M)93.3M(220.5M)(209.5M)
Cash154.9M160.4M75.1M89.2M226.6M237.9M
Other Assets173.8M178.7M178.9M154.9M(758.8M)(796.7M)
Total Liab2.8B2.7B2.6B2.8B2.5B2.3B
Total Current Assets993.5M936.7M828M979.4M913.2M867.5M
Other Current Liab(29.8M)(22.9M)(24.1M)(86.9M)1.5B2.9B
Other Liab506.4M2.3B2.2B452.6M520.5M494.5M
Retained Earnings1.2B1.2B1.3B1.3B1.4B711.2M
Accounts Payable37.1M29.8M22.9M28.7M26.1M25.3M
Net Receivables838.6M749.7M742.4M771.1M807.4M656.2M
Other Current Assets642M576.8M457.7M616M657.8M690.7M
Treasury Stock(455.3M)(555.1M)(597.3M)(627.7M)(564.9M)(593.2M)
Common Stock389.4M397M404.9M411.3M415.2M570K
Short Term Debt5M4.3M3.4M3.5M1.8M1.7M
Intangible Assets7.9M7.7M13.5M13.6M12.2M11.2M
Net Tangible Assets1.1B1.2B1.2B894.4M1.0B869.4M
Long Term Debt Total23M24.3M22.1M200K180K171K
Capital Surpluse396.4M404.3M410.7M414.6M476.8M403.5M

Employers Holdings Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense600K400K500K3.5M5.8M6.1M
Total Revenue835.9M711.4M703.1M713.5M850.9M661.9M
Gross Profit835.9M711.4M703.1M713.5M850.9M893.4M
Operating Income192.9M146.9M145.6M59.3M559.9M587.9M
Ebit192.9M148.1M147.5M605.5M154.2M161.2M
Ebitda201.9M165.3M169.1M627.2M159M170.2M
Income Before Tax193.8M147.7M147M55.8M148.4M131.6M
Net Income157.1M119.8M119.3M48.4M118.1M111.3M
Income Tax Expense36.7M27.9M27.7M7.4M30.3M20.3M
Non Recurring600K400K500K3.5M3.2M1.7M
Tax Provision36.7M27.9M27.7M7.4M26.6M21.0M
Interest Income600K400K500K3.5M3.2M3.3M
Net Interest Income(600K)(400K)(500K)(3.5M)(7.1M)(6.7M)

Employers Holdings Key Cash Accounts

201920202021202220232024 (projected)
Capital Expenditures12.1M5.5M3.6M2.6M2.2M2.1M
Net Income157.1M119.8M119.3M48.4M118.1M83.9M
End Period Cash Flow155.2M160.6M75.3M89.4M226.6M132.1M
Change In Cash53.2M5.4M(85.3M)14.1M137.2M144.1M
Free Cash Flow111M27.8M7.2M97.2M47.2M81.8M
Other Non Cash Items(39.2M)7.2M(31.2M)74M(7.8M)(7.4M)
Change To Netincome(37.1M)(16.1M)(39.1M)42.3M48.6M51.1M
Dividends Paid28.9M30.8M29M90.3M29.7M22.5M
Change To Inventory(50.6M)(186.3M)(93.5M)(49.1M)(44.2M)(46.4M)
Investments102.1M93.4M62.1M(231.6M)176.6M185.4M
Change Receivables69.9M82.5M8.1M(31.5M)(28.4M)(26.9M)

Employers Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Employers Holdings's current stock value. Our valuation model uses many indicators to compare Employers Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Employers Holdings competition to find correlations between indicators driving Employers Holdings's intrinsic value. More Info.
Employers Holdings is rated # 5 in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.22  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Employers Holdings is roughly  4.47 . At this time, Employers Holdings' Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Employers Holdings by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Employers Holdings Systematic Risk

Employers Holdings' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Employers Holdings volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Employers Holdings correlated with the market. If Beta is less than 0 Employers Holdings generally moves in the opposite direction as compared to the market. If Employers Holdings Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Employers Holdings is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Employers Holdings is generally in the same direction as the market. If Beta > 1 Employers Holdings moves generally in the same direction as, but more than the movement of the benchmark.

Employers Holdings Thematic Clasifications

Employers Holdings is part of several thematic ideas from Insurance Providers to Insurance. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Employers Holdings Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Employers Holdings' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Employers Holdings growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0598

At this time, Employers Holdings' Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.

Employers Holdings November 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Employers Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Employers Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of Employers Holdings based on widely used predictive technical indicators. In general, we focus on analyzing Employers Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Employers Holdings's daily price indicators and compare them against related drivers.

Complementary Tools for Employers Stock analysis

When running Employers Holdings' price analysis, check to measure Employers Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Employers Holdings is operating at the current time. Most of Employers Holdings' value examination focuses on studying past and present price action to predict the probability of Employers Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Employers Holdings' price. Additionally, you may evaluate how the addition of Employers Holdings to your portfolios can decrease your overall portfolio volatility.
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