profit from every $100 of sales.
$0$100
Employers Holdings
$47.33-1.31% today
+21.1% in 1 year
1-year low $38.611-year high $52.72
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $76.86 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Employers Holdings sold, what it kept, and what it did with the cash.
Sales went from $714 million in 2022 to $859 million in 2025, with $10.8 million of profit last year.
SalesProfit
Employers Holdings handed back more cash to shareholders than it generated last year.
Buybacks $183M
Free cash flow 2025$43M
Bought back its own shares$183M
Paid as dividends$30M
Cash vs. debt$160M vs. $39M
Employers Holdings vs. similar companies
Employers Holdings grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Employers Holdings | 76.9× · Very expensive | ||
 Assurant | 18.2× · Fair price | ||
 Fidelity National Financial | 19.7× · Fair price | ||
 Beazley | 8.5× · Cheap | ||
 Medibank Private | 29.5× · Fair price |
AI analysis
An AI analyst reads Employers Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 714 | 851 | 881 | 859 | |
| – | – | – | – | |
| – | – | – | – | |
| 65 | 159 | 150 | 16 | |
| 48 | 118 | 119 | 11 | |
| 1.75 | 4.45 | 4.71 | 0.46 | |
| – | – | – | – | |
| – | – | – | – | |
| 6.8% | 13.9% | 13.5% | 1.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,717 | 3,550 | 3,541 | 3,437 |
| Cash | 89 | 226 | 68 | 160 |
| Total debt | 196 | 6 | 4 | 39 |
| Total liabilities | 2,773 | 2,537 | 2,473 | 2,481 |
| 944 | 1,014 | 1,069 | 956 | |
| 28 | 27 | 25 | 24 | |
| 4.1% | 11.9% | 10.8% | 1.0% | |
| 5.1% | 11.6% | 11.1% | 1.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 100 | 49 | 76 | 45 | |
| 3 | 2 | 5 | 2 | |
| 97 | 47 | 72 | 43 | |
| Dividends paid | 90 | 30 | 30 | 30 |
| 30 | 76 | 43 | 183 | |
| 5 | 6 | 6 | 5 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 76.9×
- 21.4×
- –
- 1.1×
- 1.0×
- 1.3%
- 3.1%
Profitability
- 1.3%
- 0.8%
- 7.5%
- 0.8%
- 0.2%
Growth
- +6.4%
- −35.9%
- +4.7%
- −4.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 21%of 748
Bottom 19%of 603
Bottom 5%of 873
Bottom 41%of 883
Top 47%of 933
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.53 | 0.55 | −3.3% |
| Feb 19, 2026 | 0.66 | 0.41 | +61.0% |
| Oct 30, 2025 | -1.10 | 0.61 | −280.3% |
| Jul 30, 2025 | 0.48 | 0.94 | −48.9% |
| May 1, 2025 | 0.87 | 0.69 | +26.1% |
| Feb 20, 2025 | 1.15 | 1.08 | +6.5% |
| Oct 30, 2024 | 0.81 | 0.78 | +3.8% |
| Jul 31, 2024 | 1.10 | 1.08 | +1.9% |
3.1%of the share price, paid each year
On $1,000 invested$31a year at today's yield, before tax
+4.7%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.24 in 2015 → $1.26 in 2025
How safe it looks
276.9% of its profit
Room to growStretchedMore than it earns: 70.4%
News
Need money for a down payment? More employers are offering to help.MarketWatch · Nov 11, 2026What employers should do to build a pipeline of talented Gen Z workersMarketWatch · Nov 9, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
36No pass
Benjamin Graham
50No pass
Philip Fisher
28No pass
Peter Lynch
24No pass
Joel Greenblatt
2No pass
Charlie Munger
29No pass
Terry Smith
22No pass
Questions about Employers Holdings
Is Employers Holdings a good stock to buy?
A business with weak numbers, priced as if everything goes right. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Employers Holdings AI analysis
What does Employers Holdings do?
Employers Holdings, Inc., through its subsidiaries, operates in the commercial property and casualty insurance industry primarily in the United States. It offers workers' compensation insurance to small businesses in low to medium hazard industries. It is in Insurance - Specialty.
Does Employers Holdings pay a dividend?
Yes. At today's price the dividend is 3.1% a year, about 277% of its yearly profit. In 2025 it paid out $29.9 million in dividends.
Is Employers Holdings stock halal?
No. Employers Holdings does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Employers Holdings stock done over the past year?
Up 21.1% over the past twelve months, to $47.33. It traded between $38.61 and $52.72 and is 10.2% below its high.
Who are Employers Holdings's competitors?
The largest listed companies in the same industry are Assurant, Fidelity National Financial, Beazley and Medibank Private. The peers table on this page compares their profit, growth and price with Employers Holdings's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.