Employers Holdings stock
EIGNYSEEmployers Holdings, Inc., Financial ServicesISIN US2922181043
53Score 53 out of 100, Neutral
Price and trend
54 / 100
Price history
+21% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 3.0% above it.
Since May 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 30).
The price is 10% below its 52-week high. Largest decline in 20 years: 65% (February 2007 to April 2009).
Chart figures for advanced users
- SMA 50$49.15
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$45.99
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)30
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$38.61
- The lowest closing price of the last twelve months.
- Resistance$52.72
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Employers Holdings, Inc. belongs to the Insurance (Specialty) industry (United States) and, with a market value of $830.58M, is number 10 of 13 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $858.2M (down 2.6% year on year) and earnings of $10.8M (down 90.9%).
- MEQIRI Score 53 out of 100 (Neutral): rank 824 of 976 in Financial Services, median 68.
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- Our model puts fair value at $52.23, with the price 9% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 20% since 2020.Capital allocation 63
- Reliable dividendNo dividend cut for 19 years.Capital allocation 63
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 65
Weaknesses
- Margin fallingOperating margin 1.4%, average of the prior years 17.4% (to 2024).Profitability 22
- Earnings per share fallingDown 35.4% a year since 2020.Growth 22
- Low return on equityReturn on equity 3.2% over the last 12 months.Profitability 22
Its standout strength is stability, while growth and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- low growth grade (crashed less often in the backtest)
Valuation
Valuation signal
Modestly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $43.53 and expensive above $65.29 (uncertainty low, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $43.53, at 7.8% it would be $65.29.
Valuation metrics
From the excess return model alone; the profit includes one-off items, so there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 13% on the twelve months before. Revenue has stayed largely stable since 2006.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 1%, net 1%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 18 Feb 2027in 98 days
- Last reported
- 28 Oct 2026EPS reported $0.71 (expected $0.59)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $2.35+2.7%
- Revenue
- $805.29M−0.1%
- Earnings per share
- $2.42−2.0%
- Revenue
- $737.37M+0.6%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −12.9%Employers Holdings expects premiums to stabilize in the fourth quarter once affected policies have non-renewed or canceled, but gives no new revenue or earnings guidance.
“Beyond that, we would expect that premiums will stabilize to some extent because all those policies will have non-renewed or canceled, and we will go back to some stability in our top line.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Employers Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 53
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Specialty)
The next larger and next smaller companies by market value
- MGIC InvestmentMTG $5.54B73
- Radian GroupRDN $4.71B75
- Assured GuarantyAGO $3.24B57
- NMI HoldingsNMIH $2.94B72
- CofaceCOFA.PA $2.69B70
- TiptreeTIPT $642.18M54
- Investors TitleITIC $497.13M62
- AMERISAFEAMSF $357.87M58
ETFs that hold Employers Holdings
Held by 12 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.05% | 0.30% | €2.28B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.04% | 0.39% | €1.47B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.03% | 0.30% | €944.34M |
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| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.03% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.03% | 0.30% | €4.22B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.03% | 0.30% | €185.82M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.02% | 0.39% | €188.08M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.01% | 0.45% | €1.53B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 9 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.