Employers (EIG) Financials

$48.73 +0.36 (+0.74%)

Closing price 05/23/2025 03:59 PM Eastern

Extended Trading

$48.72 -0.01 (-0.02%)

As of 05/23/2025 04:04 PM Eastern

Annual Income Statements for Employers

This table shows Employers' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Net Income / (Loss) Attributable to Common Shareholders	119	118	48	119	120	157	141	101	107	94	101
Consolidated Net Income / (Loss)	119	118	48	119	120	157	141	101	107	94	101
Net Income / (Loss) Continuing Operations	119	118	48	119	120	157	141	101	107	94	101
Total Pre-Tax Income	147	148	56	147	148	194	170	144	141	99	107
Total Operating Income	147	148	56	148	148	194	171	145	142	102	110
Total Gross Profit	323	851	714	312	330	382	330	293	278	237	239
Total Revenue	881	851	714	703	711	836	800	801	780	752	774
Operating Revenue	881	851	714	703	711	836	800	801	780	752	774
Total Cost of Revenue	557	0.00	0.00	391	381	454	471	509	501	515	535
Operating Cost of Revenue	557	-	-	391	381	454	471	509	501	515	535
Total Operating Expenses	177	703	658	164	182	188	159	147	136	135	129
Selling, General & Admin Expense	177	11	0.00	164	181	188	159	140	136	135	129
Other Operating Expenses / (Income)	0.00	692	658	-	0.80	-	-	7.50	-	-	-
Total Other Income / (Expense), net	0.00	0.00	0.00	-0.50	-0.40	-0.60	-1.50	-1.40	-1.60	-2.70	-3.00
Income Tax Expense	28	30	7.40	28	28	37	28	43	34	5.00	5.90
Basic Earnings per Share	$4.73	$4.48	$1.76	$4.22	$4.01	$4.89	$4.30	$3.11	$3.29	$2.94	$3.19
Weighted Average Basic Shares Outstanding	24.36M	25.30M	27.14M	27.73M	28.41M	31.46M	32.83M	32.71M	32.15M	32.22M	31.49M
Diluted Earnings per Share	$4.71	$4.45	$1.75	$4.17	$3.97	$4.83	$4.24	$3.06	$3.24	$2.90	$3.14
Weighted Average Diluted Shares Outstanding	24.36M	25.30M	27.14M	27.73M	28.41M	31.46M	32.83M	32.71M	32.15M	32.22M	31.49M
Weighted Average Basic & Diluted Shares Outstanding	24.36M	25.30M	27.14M	27.73M	28.41M	31.46M	32.83M	32.71M	32.15M	32.22M	31.49M
Cash Dividends to Common per Share	$1.18	$1.10	$3.28	$1.00	$0.00	$0.88	$0.80	$0.60	$0.36	$0.24	$0.24

This table shows Employers' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	13	30	32	46	14	35	24	47	19
Consolidated Net Income / (Loss)	13	30	32	46	14	35	24	47	19
Net Income / (Loss) Continuing Operations	13	30	32	46	14	35	24	47	19
Total Pre-Tax Income	16	37	40	58	17	44	29	56	24
Total Operating Income	16	37	40	53	18	46	31	54	25
Total Gross Profit	203	80	81	612	62	101	76	592	67
Total Revenue	203	224	217	226	204	215	207	222	204
Operating Revenue	203	224	217	226	204	215	207	222	204
Total Cost of Revenue	0.00	144	136	-387	142	114	131	-370	138
Total Operating Expenses	187	43	41	559	44	55	44	537	42
Selling, General & Admin Expense	0.00	43	41	-123	44	46	44	-121	42
Other Operating Expenses / (Income)	187	0.00	0.00	682	0.00	9.40	0.00	-	-
Total Other Income / (Expense), net	0.00	0.00	0.00	5.20	-1.00	-1.90	-2.30	1.50	-1.10
Income Tax Expense	3.10	6.40	8.30	13	3.40	8.90	5.40	8.70	4.70
Basic Earnings per Share	$0.52	$1.22	$1.25	$1.76	$0.54	$1.31	$0.87	$1.70	$0.70
Weighted Average Basic Shares Outstanding	24.04M	24.72M	24.84M	25.30M	25.72M	26.06M	26.88M	27.14M	27.20M
Diluted Earnings per Share	$0.52	$1.21	$1.25	$1.75	$0.54	$1.30	$0.86	$1.69	$0.70
Weighted Average Diluted Shares Outstanding	24.04M	24.72M	24.84M	25.30M	25.72M	26.06M	26.88M	27.14M	27.20M
Weighted Average Basic & Diluted Shares Outstanding	24.04M	24.72M	24.84M	25.30M	25.72M	26.06M	26.88M	27.14M	27.20M
Cash Dividends to Common per Share	$0.30	$0.30	$0.30	$0.28	$0.28	$0.28	$0.26	$1.51	$0.26

This table details how cash moves in and out of Employers' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Net Change in Cash & Equivalents	-158	137	14	-85	5.40	53	28	3.50	12	-47	69
Net Cash From Operating Activities	76	49	100	11	33	123	180	142	123	116	172
Net Cash From Continuing Operating Activities	76	65	100	11	33	123	180	142	123	116	94
Net Income / (Loss) Continuing Operations	119	118	48	119	120	157	141	101	107	94	101
Consolidated Net Income / (Loss)	119	118	48	119	120	157	141	101	107	94	101
Depreciation Expense	3.60	4.80	5.30	7.40	8.20	9.00	6.30	8.20	8.50	8.30	7.00
Amortization Expense	12	19	19	23	19	14	8.40	14	15	13	11
Non-Cash Adjustments To Reconcile Net Income	29	-14	55	-39	16	27	57	38	40	48	49
Changes in Operating Assets and Liabilities, net	-87	-64	-28	-100	-129	-85	-33	-19	-47	-48	-73
Net Cash From Investing Activities	-160	377	-146	-1.70	84	49	-120	-113	-88	-101	-87
Net Cash From Continuing Investing Activities	-160	362	-146	-1.70	84	49	-120	-113	-88	-101	-87
Purchase of Property, Plant & Equipment	-4.90	-2.20	-2.60	-3.60	-5.50	-12	-11	-8.20	-5.00	-12	-11
Acquisitions	0.00	0.00	0.00	0.00	0.00	-16	0.00	0.00	-	-	-
Purchase of Investments	-830	-513	-893	-743	-973	-653	-753	-632	-526	-562	-408
Sale and/or Maturity of Investments	676	878	749	744	1,063	730	644	527	443	464	336
Net Cash From Financing Activities	-75	-290	60	-94	-112	-119	-33	-26	-24	-62	-16
Net Cash From Continuing Financing Activities	-75	-289	60	-94	-112	-119	-33	-26	-24	-62	-16
Repayment of Debt	0.00	-183	0.00	-20	-15	-20	-0.20	-0.20	0.00	-0.50	-11
Repurchase of Common Equity	-43	-76	-30	-43	-99	-68	-4.20	0.00	-21	0.00	0.00
Payment of Dividends	-30	-30	-90	-29	-31	-28	-27	-20	-12	-7.70	-7.60
Issuance of Debt	0.00	0.00	10	27	0.00	0.00	-	-	-	-	-
Other Financing Activities, net	-1.90	-0.20	171	-30	33	-2.70	-1.80	-6.10	9.00	-54	2.80
Cash Interest Paid	0.10	5.80	2.60	0.30	-	-	-	-	-	-	-
Cash Income Taxes Paid	32	32	16	29	-	-	-	-	-	-	-

This table details how cash moves in and out of Employers' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	32	-75	-112	118	43	-21	-2.50	-59	18
Net Cash From Operating Activities	15	13	0.60	28	25	-7.80	4.30	32	30
Net Cash From Continuing Operating Activities	15	13	0.60	43	25	-7.80	4.30	32	30
Net Income / (Loss) Continuing Operations	13	28	28	46	14	35	24	47	19
Consolidated Net Income / (Loss)	13	28	28	46	14	35	24	47	19
Depreciation Expense	0.80	0.90	1.00	1.10	1.00	1.60	1.10	1.20	1.20
Amortization Expense	2.20	2.70	2.50	4.10	4.80	5.10	5.10	4.70	5.10
Non-Cash Adjustments To Reconcile Net Income	27	12	-7.00	-10	8.40	-9.10	-3.00	-13	-8.00
Changes in Operating Assets and Liabilities, net	-28	-31	-24	2.20	-2.90	-40	-23	-8.00	12
Net Cash From Investing Activities	46	-70	-98	152	106	107	13	-48	-53
Net Cash From Continuing Investing Activities	46	-70	-98	137	106	107	13	-48	-53
Purchase of Property, Plant & Equipment	-0.50	-1.70	-1.30	-0.70	-0.90	-0.10	-0.50	-0.40	-0.70
Purchase of Investments	-75	-302	-192	-113	-171	-87	-142	-209	-225
Sale and/or Maturity of Investments	121	233	95	251	278	194	155	161	173
Net Cash From Financing Activities	-29	-18	-15	-62	-88	-119	-20	-43	42
Net Cash From Continuing Financing Activities	-29	-18	-15	-61	-88	-119	-20	-43	42
Repayment of Debt	0.00	-	0.00	-40	-65	-77	0.00	10	-
Repurchase of Common Equity	-20	-11	-5.60	-15	-15	-35	-11	-1.70	-7.40
Payment of Dividends	-7.50	-7.50	-7.80	-7.20	-7.30	-7.60	-7.60	-41	-7.20
Issuance of Debt	0.00	-	0.00	-	-	-	0.00	-183	57
Other Financing Activities, net	-1.30	-	-1.70	0.90	-0.30	0.10	-0.90	172	-0.10

This table presents Employers' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Total Assets	3,541	3,550	3,717	3,783	3,923	4,004	3,919	3,840	3,773	3,756	3,770
Total Current Assets	2,182	2,212	2,414	2,443	2,682	2,658	150	2,772	2,640	2,567	2,583
Cash & Equivalents	68	226	89	75	160	155	101	73	67	57	104
Restricted Cash	0.20	0.20	0.20	0.20	0.20	0.30	-	1.00	-	2.50	11
Short-Term Investments	2,113	1,986	2,324	2,368	2,521	2,502	25	2,697	2,573	2,508	2,469
Plant, Property, & Equipment, net	7.80	6.50	12	15	19	22	18	14	22	25	21
Total Noncurrent Assets	1,352	1,332	1,291	1,326	1,222	1,325	3,775	1,055	1,111	1,164	1,165
Long-Term Investments	366	309	263	383	251	293	2,703	0.00	-	-	-
Goodwill	36	36	36	36	36	36	36	36	36	36	36
Intangible Assets	14	14	14	14	14	14	7.70	7.90	8.20	8.50	9.00
Noncurrent Deferred & Refundable Income Taxes	38	43	63	0.00	-	-	27	29	59	68	50
Other Noncurrent Operating Assets	897	930	915	893	921	982	1,001	982	1,007	1,051	775
Total Liabilities & Shareholders' Equity	3,541	3,550	3,717	3,783	3,923	4,004	3,919	3,840	3,773	3,756	3,770
Total Liabilities	2,473	2,537	2,773	2,570	2,710	2,838	2,901	2,892	2,933	2,995	3,083
Total Current Liabilities	21	26	29	24	23	30	2,245	24	2,325	2,372	2,390
Accounts Payable	21	26	29	24	23	30	37	24	24	24	20
Total Noncurrent Liabilities	2,438	2,493	2,744	2,546	2,687	2,809	656	2,869	608	623	693
Long-Term Debt	0.00	0.00	183	0.00	20	-	20	20	32	32	92
Capital Lease Obligations	4.20	5.90	14	17	20	-	-	-	-	-	-
Noncurrent Deferred & Payable Income Tax Liabilities	0.00	0.00	0.00	7.70	16	2.60	-	-	-	-	-
Other Noncurrent Operating Liabilities	2,433	2,488	2,548	2,522	2,632	2,806	636	2,849	576	591	601
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,069	1,014	944	1,213	1,213	1,166	1,018	948	841	761	687
Total Preferred & Common Equity	1,069	1,014	944	1,213	1,213	1,166	1,018	948	841	761	687
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,069	1,014	944	1,213	1,213	1,166	1,018	948	841	761	687
Common Stock	425	420	415	411	405	397	389	382	373	358	347
Retained Earnings	1,473	1,384	1,296	1,339	1,248	1,159	1,031	842	777	682	595
Treasury Stock	-747	-705	-628	-597	-555	-455	-388	-384	-384	-363	-363
Accumulated Other Comprehensive Income / (Loss)	-83	-86	-139	61	115	65	-14	107	75	84	107

This table presents Employers' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	3,557	3,617	3,550	3,527	3,616	3,744	3,709
Total Current Assets	2,203	2,256	2,153	2,172	2,263	2,414	2,403
Cash & Equivalents	100	143	96	109	66	87	148
Restricted Cash	0.20	0.20	0.20	0.20	0.20	0.20	0.20
Short-Term Investments	2,102	2,112	2,057	2,063	2,197	2,328	2,255
Plant, Property, & Equipment, net	7.70	7.00	6.70	7.00	7.20	11	13
Total Noncurrent Assets	1,347	1,355	1,391	1,349	1,345	1,318	1,293
Long-Term Investments	350	362	336	290	294	283	247
Goodwill	36	36	36	36	36	36	36
Intangible Assets	14	14	14	14	14	14	14
Noncurrent Deferred & Refundable Income Taxes	35	26	42	64	56	54	71
Other Noncurrent Operating Assets	912	917	963	945	946	932	925
Total Liabilities & Shareholders' Equity	3,557	3,617	3,550	3,527	3,616	3,744	3,709
Total Liabilities	2,481	2,524	2,527	2,608	2,664	2,770	2,790
Total Current Liabilities	83	87	84	85	77	73	75
Accounts Payable	19	22	19	22	20	20	21
Current Deferred & Payable Income Tax Liabilities	4.00	-	-	-	-	-	-
Other Taxes Payable	60	65	65	63	57	53	53
Total Noncurrent Liabilities	2,398	2,437	2,443	2,523	2,587	2,697	2,715
Long-Term Debt	0.00	0.00	0.00	40	106	183	183
Capital Lease Obligations	3.80	4.70	5.10	5.10	5.40	-	-
Noncurrent Deferred & Payable Income Tax Liabilities	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Noncurrent Operating Liabilities	2,394	2,432	2,438	2,477	2,476	2,514	2,532
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,076	1,093	1,023	919	952	974	919
Total Preferred & Common Equity	1,076	1,093	1,023	919	952	974	919
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,076	1,093	1,023	919	952	974	919
Common Stock	425	423	422	419	418	416	414
Retained Earnings	1,479	1,452	1,429	1,346	1,339	1,312	1,290
Treasury Stock	-767	-737	-729	-689	-675	-639	-626
Accumulated Other Comprehensive Income / (Loss)	-61	-45	-99	-157	-131	-115	-159

This table displays calculated financial ratios and metrics derived from Employers' official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015	12/31/2014
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	3.50%	19.26%	1.48%	-1.17%	-14.89%	4.44%	-0.12%	2.77%	3.68%	-2.77%	6.91%
EBITDA Growth	-5.69%	4.74%	-7.38%	1.43%	-19.46%	17.07%	10.60%	1.51%	34.25%	-3.14%	78.15%
EBIT Growth	-1.08%	28.93%	-21.97%	-0.41%	-23.82%	13.68%	17.61%	2.18%	39.37%	-6.84%	94.67%
NOPAT Growth	0.49%	144.01%	-59.57%	-0.35%	-23.77%	10.55%	39.50%	-5.31%	11.29%	-6.35%	53.06%
Net Income Growth	0.42%	144.01%	-59.43%	-0.42%	-23.74%	11.18%	39.62%	-5.15%	13.03%	-6.26%	57.84%
EPS Growth	5.84%	154.29%	-58.03%	5.04%	-17.81%	13.92%	38.56%	-5.56%	11.72%	-7.64%	57.00%
Operating Cash Flow Growth	54.66%	-50.50%	824.07%	-67.27%	-73.06%	-32.02%	26.63%	15.88%	5.50%	-32.29%	3.24%
Free Cash Flow Firm Growth	46.61%	705.56%	-130.50%	116.89%	-90.62%	63.69%	-23.09%	36.09%	52.65%	-61.42%	23.59%
Invested Capital Growth	1.54%	3.43%	3.71%	5.02%	5.82%	-0.93%	2.01%	-2.04%	0.36%	1.68%	-3.98%
Revenue Q/Q Growth	0.00%	0.46%	3.18%	1.25%	-2.63%	3.84%	-2.63%	0.98%	1.13%	-1.07%	0.04%
EBITDA Q/Q Growth	0.00%	-3.15%	-13.78%	-6.72%	30.57%	6.31%	-11.57%	2.63%	21.08%	-8.40%	25.56%
EBIT Q/Q Growth	0.00%	-3.20%	-17.67%	-7.70%	36.25%	5.71%	-11.58%	3.19%	25.82%	-10.83%	30.31%
NOPAT Q/Q Growth	0.00%	-5.97%	-57.77%	-7.31%	37.13%	3.86%	-3.73%	-4.08%	7.11%	-1.84%	17.63%
Net Income Q/Q Growth	0.00%	-1.34%	-13.57%	-7.16%	36.76%	4.11%	-3.88%	-3.98%	8.99%	-2.48%	17.45%
EPS Q/Q Growth	0.00%	1.37%	-11.62%	-3.92%	37.85%	5.23%	-4.29%	-4.08%	8.72%	-3.01%	7.90%
Operating Cash Flow Q/Q Growth	-15.95%	-8.69%	13.93%	145.19%	-42.61%	-23.29%	5.01%	9.80%	2.85%	-10.12%	-3.89%
Free Cash Flow Firm Q/Q Growth	0.00%	104.44%	-200.34%	814.77%	-79.36%	38.36%	-30.29%	37.28%	-4.54%	-31.96%	-5.47%
Invested Capital Q/Q Growth	0.00%	0.85%	150.37%	2.37%	5.01%	-0.38%	1.98%	-0.28%	2.04%	1.38%	-0.25%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	36.71%	100.00%	131.76%	44.35%	46.42%	45.69%	41.17%	36.54%	35.70%	31.55%	30.86%
EBITDA Margin	18.45%	20.25%	23.06%	25.26%	24.61%	26.01%	23.20%	20.95%	21.21%	16.38%	16.44%
Operating Margin	16.67%	17.44%	16.13%	20.98%	20.82%	23.26%	21.36%	18.14%	18.25%	13.58%	14.17%
EBIT Margin	16.67%	17.44%	16.13%	20.98%	20.82%	23.26%	21.36%	18.14%	18.25%	13.58%	14.17%
Profit (Net Income) Margin	13.47%	13.88%	13.57%	16.97%	16.84%	18.79%	17.65%	12.63%	13.68%	12.55%	13.02%
Tax Burden Percent	80.85%	79.58%	173.48%	81.16%	81.11%	81.06%	83.36%	70.28%	75.84%	94.97%	94.47%
Interest Burden Percent	99.93%	100.00%	194.10%	99.66%	99.73%	99.69%	99.12%	99.04%	98.88%	97.36%	97.26%
Effective Tax Rate	19.15%	20.42%	26.52%	18.84%	18.89%	18.94%	16.64%	29.72%	24.16%	5.03%	5.53%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	11.39%	12.06%	4.49%	9.84%	10.07%	14.39%	14.38%	11.32%	13.33%	13.04%	16.04%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	4.14%	4.08%	0.00%	3.83%	3.74%	4.91%	4.41%	3.82%	3.78%	2.71%	2.96%
Return on Assets (ROA)	3.34%	3.25%	0.00%	3.10%	3.02%	3.97%	3.64%	2.66%	2.83%	2.51%	2.72%
Return on Common Equity (ROCE)	11.39%	12.06%	0.00%	9.84%	10.07%	14.39%	14.38%	11.32%	13.33%	13.04%	16.04%
Return on Equity Simple (ROE_SIMPLE)	11.10%	11.65%	5.13%	9.83%	9.88%	13.48%	13.88%	10.68%	12.69%	12.41%	14.66%
Net Operating Profit after Tax (NOPAT)	119	118	48	120	120	158	143	102	108	97	104
NOPAT Margin	13.48%	13.88%	13.99%	17.03%	16.89%	18.85%	17.81%	12.75%	13.84%	12.89%	13.39%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	-0.01%	-0.01%	-0.02%	-0.05%	-0.04%	-0.05%	-0.10%	-0.12%
Return On Investment Capital (ROIC_SIMPLE)	11.06%	11.58%	4.24%	-	-	-	-	-	-	-	-
Cost of Revenue to Revenue	63.29%	0.00%	68.24%	55.65%	53.58%	54.31%	58.83%	63.46%	64.30%	68.45%	69.14%
SG&A Expenses to Revenue	20.04%	1.29%	23.45%	23.37%	25.49%	22.43%	19.80%	17.46%	17.45%	17.98%	16.69%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	20.04%	82.56%	92.18%	23.37%	25.60%	22.43%	19.80%	18.39%	17.45%	17.98%	16.69%
Earnings before Interest and Taxes (EBIT)	147	148	115	148	148	194	171	145	142	102	110
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	163	172	165	178	175	217	186	168	165	123	127
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.18	0.97	1.18	0.84	0.66	0.95	1.11	1.22	1.20	0.90	0.83
Price to Tangible Book Value (P/TBV)	1.24	1.02	1.24	0.88	0.69	0.99	1.16	1.28	1.26	0.96	0.89
Price to Revenue (P/Rev)	1.44	1.16	3.15	1.45	1.13	1.33	1.41	1.44	1.29	0.91	0.74
Price to Earnings (P/E)	10.68	8.37	46.37	8.57	6.71	7.06	7.97	11.42	9.42	7.25	5.69
Dividend Yield	2.30%	6.12%	15.99%	2.74%	3.61%	2.52%	2.33%	1.68%	1.15%	1.12%	1.65%
Earnings Yield	9.37%	11.95%	8.68%	11.67%	14.90%	14.16%	12.55%	8.76%	10.61%	13.79%	17.57%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.01	0.00	0.01	0.03	0.00	0.02	0.02	0.04	0.04	0.13
Long-Term Debt to Equity	0.00	0.01	0.00	0.01	0.03	0.00	0.02	0.02	0.04	0.04	0.13
Financial Leverage	-2.41	-2.54	0.00	-2.35	-2.46	-2.63	-2.82	-3.00	-3.21	-3.47	-3.82
Leverage Ratio	3.41	3.71	0.00	3.18	3.33	3.63	3.95	4.26	4.70	5.20	5.90
Compound Leverage Factor	3.40	3.71	0.00	3.17	3.32	3.62	3.91	4.22	4.65	5.06	5.74
Debt to Total Capital	0.39%	0.58%	0.00%	1.35%	3.19%	0.00%	1.93%	2.07%	3.67%	4.04%	11.81%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.39%	0.58%	0.00%	1.35%	3.19%	0.00%	1.93%	2.07%	3.67%	4.04%	11.81%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	99.61%	99.42%	0.00%	98.65%	96.81%	100.00%	98.07%	97.93%	96.33%	95.96%	88.19%
Debt to EBITDA	0.03	0.03	2.44	0.09	0.23	0.00	0.11	0.12	0.19	0.26	0.72
Net Debt to EBITDA	-15.65	-14.60	-30.82	-15.82	-16.52	0.00	-15.13	-16.39	-15.77	-20.58	-19.59
Long-Term Debt to EBITDA	0.03	0.03	4.77	0.09	0.23	0.00	0.11	0.12	0.19	0.26	0.72
Debt to NOPAT	0.04	0.05	7.86	0.14	0.33	0.00	0.14	0.20	0.30	0.33	0.89
Net Debt to NOPAT	-21.43	-21.30	-51.26	-23.47	-24.09	0.00	-19.71	-26.93	-24.17	-26.14	-24.06
Long-Term Debt to NOPAT	0.04	0.05	7.86	0.14	0.33	0.00	0.14	0.20	0.30	0.33	0.89
Altman Z-Score	2.01	1.90	0.00	1.82	1.74	1.80	0.31	1.74	0.93	0.74	0.70
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	102.91	84.76	0.00	101.37	117.10	89.18	0.07	116.95	1.14	1.08	1.08
Quick Ratio	102.90	84.75	0.00	101.36	117.10	89.17	0.06	116.90	1.14	1.08	1.08
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	96	65	-11	35	16	174	106	138	102	67	173
Operating Cash Flow to CapEx	1,559.18%	2,245.45%	7,676.92%	300.00%	600.00%	1,012.40%	1,716.19%	1,735.37%	2,456.00%	1,012.17%	1,534.82%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	70.81	40.81	290.14	70.90	98.77	63.51	24.65	57.52
Operating Cash Flow to Interest Expense	0.00	0.00	28.51	21.60	82.50	204.17	120.13	101.64	76.75	43.11	57.30
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	27.77	14.40	68.75	184.00	113.13	95.79	73.63	38.85	53.57
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.25	0.23	0.00	0.18	0.18	0.21	0.21	0.21	0.21	0.20	0.21
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	123.17	91.99	53.45	41.60	34.70	41.69	49.87	44.40	33.11	32.77	41.13
Accounts Payable Turnover	23.57	0.00	0.00	16.65	14.47	13.57	15.49	21.24	20.76	23.14	27.35
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	15.49	0.00	19.79	21.92	25.23	26.89	23.56	17.19	17.58	15.78	13.35
Cash Conversion Cycle (CCC)	-15.49	0.00	0.00	-21.92	-25.23	-26.89	-23.56	-17.19	-17.58	-15.78	-13.35
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	-1,461	-1,484	-1,537	-1,596	-1,680	-1,784	-1,768	-1,804	-1,768	-1,774	-1,805
Invested Capital Turnover	-0.60	-0.56	0.00	-0.43	-0.41	-0.47	-0.45	-0.45	-0.44	-0.42	-0.44
Increase / (Decrease) in Invested Capital	23	53	59	84	104	-17	36	-36	6.30	30	-69
Enterprise Value (EV)	-1,278	-1,527	-237	-1,787	-2,089	-1,840	-1,683	-1,596	-1,603	-1,850	-1,918
Market Capitalization	1,266	988	1,113	1,022	804	1,110	1,126	1,156	1,006	684	573
Book Value per Share	$43.24	$39.42	$34.72	$43.38	$41.79	$36.64	$31.04	$29.22	$26.20	$23.72	$21.81
Tangible Book Value per Share	$41.22	$37.48	$32.89	$41.60	$40.07	$35.08	$29.70	$27.86	$24.81	$22.32	$20.38
Total Capital	1,073	1,020	1,140	1,230	1,253	1,166	1,038	968	873	793	779
Total Debt	4.20	5.90	392	17	40	0.00	20	20	32	32	92
Total Long-Term Debt	4.20	5.90	392	17	40	0.00	20	20	32	32	92
Net Debt	-2,544	-2,515	-2,481	-2,809	-2,893	-2,950	-2,809	-2,752	-2,608	-2,535	-2,491
Capital Expenditures (CapEx)	4.90	2.20	5.20	3.60	5.50	12	11	8.20	5.00	12	11
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-21	-26	-29	-24	-23	-30	-2,222	-24	-2,325	-2,372	-2,390
Debt-free Net Working Capital (DFNWC)	2,161	2,186	4,770	2,419	2,659	2,628	-2,095	2,748	315	195	193
Net Working Capital (NWC)	2,161	2,186	4,770	2,419	2,659	2,628	-2,095	2,748	315	195	193
Net Nonoperating Expense (NNE)	0.08	0.00	0.00	0.41	0.32	0.49	1.25	0.98	1.21	2.56	2.83
Net Nonoperating Obligations (NNO)	-2,530	-2,498	-2,481	-2,809	-2,893	-2,950	-2,786	-2,752	-2,608	-2,535	-2,491
Total Depreciation and Amortization (D&A)	16	24	25	30	27	23	15	23	23	21	18
Debt-free, Cash-free Net Working Capital to Revenue	-2.41%	-3.07%	-4.02%	-3.43%	-3.22%	-3.57%	-277.59%	-2.96%	-298.18%	-315.33%	-309.00%
Debt-free Net Working Capital to Revenue	245.32%	256.93%	668.56%	344.03%	373.74%	314.36%	-261.79%	342.89%	40.42%	25.97%	24.98%
Net Working Capital to Revenue	245.32%	256.93%	668.56%	344.03%	373.74%	314.36%	-261.79%	342.89%	40.42%	25.97%	24.98%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$4.73	$4.48	$3.52	$4.22	$4.01	$4.89	$4.30	$3.11	$3.29	$2.94	$3.19
Adjusted Weighted Average Basic Shares Outstanding	24.36M	25.30M	27.14M	27.73M	28.41M	31.46M	32.83M	32.71M	32.15M	32.22M	31.49M
Adjusted Diluted Earnings per Share	$4.71	$4.45	$1.75	$4.17	$3.97	$4.83	$4.24	$3.06	$3.24	$2.90	$3.14
Adjusted Weighted Average Diluted Shares Outstanding	24.36M	25.30M	27.14M	27.73M	28.41M	31.46M	32.83M	32.71M	32.15M	32.22M	31.49M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	24.36M	25.30M	27.14M	27.73M	28.41M	31.46M	32.83M	32.71M	32.15M	32.22M	31.49M
Normalized Net Operating Profit after Tax (NOPAT)	119	118	100	120	120	158	143	102	108	97	104
Normalized NOPAT Margin	13.48%	13.88%	13.99%	17.03%	16.89%	18.85%	17.81%	12.75%	13.84%	12.89%	13.39%
Pre Tax Income Margin	16.66%	17.44%	15.64%	20.91%	20.76%	23.18%	21.18%	17.97%	18.04%	13.22%	13.78%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	16.94	295.00	370.25	324.00	114.00	103.86	88.94	37.81	36.53
NOPAT to Interest Expense	0.00	0.00	14.70	239.41	300.31	262.64	95.03	72.99	67.45	35.91	34.51
EBIT Less CapEx to Interest Expense	0.00	0.00	16.20	287.80	356.50	303.83	107.00	98.00	85.81	33.56	32.80
NOPAT Less CapEx to Interest Expense	0.00	0.00	13.95	232.21	286.56	242.48	88.03	67.13	64.32	31.65	30.78
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	25.55%	25.15%	373.14%	24.31%	25.46%	18.01%	18.90%	19.47%	10.78%	8.16%	7.55%
Augmented Payout Ratio	61.47%	89.59%	498.76%	60.02%	108.43%	60.98%	21.87%	19.47%	30.55%	8.16%	7.55%

This table displays calculated financial ratios and metrics derived from Employers' official financial filings.

Metric	Q1 2025	Q3 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-
Revenue Growth	-9.19%	10.07%	5.08%	1.76%	-0.44%	59.05%	35.86%	11.01%	21.45%
EBITDA Growth	-51.29%	51.65%	16.00%	-3.48%	-22.44%	794.04%	1,158.67%	-19.81%	-44.29%
EBIT Growth	-54.96%	99.46%	-57.40%	-2.57%	-26.10%	316.59%	12,037.50%	-20.58%	-33.42%
NOPAT Growth	-54.77%	104.67%	24.45%	-9.60%	-25.91%	593.08%	6,464.70%	-16.30%	32.51%
Net Income Growth	-54.77%	116.43%	34.32%	-3.39%	-26.70%	323.72%	3,378.26%	-13.87%	27.33%
EPS Growth	-53.15%	124.07%	45.35%	3.55%	-22.86%	332.14%	2,350.00%	-11.98%	32.08%
Operating Cash Flow Growth	2,333.33%	0.00%	-86.05%	-14.55%	-14.53%	-136.97%	-372.02%	60.70%	92.21%
Free Cash Flow Firm Growth	147.71%	242.95%	98.49%	15.77%	44.60%	125.59%	-509.08%	54.91%	44.20%
Invested Capital Growth	-0.84%	-1.49%	5.24%	3.43%	3.33%	3.00%	206.90%	3.71%	5.28%
Revenue Q/Q Growth	0.00%	0.00%	-3.85%	10.91%	-5.44%	8.43%	-6.90%	8.51%	51.07%
EBITDA Q/Q Growth	0.00%	0.00%	-32.03%	140.50%	-76.91%	1,138.05%	-41.22%	93.27%	306.62%
EBIT Q/Q Growth	0.00%	0.00%	-31.97%	188.04%	-59.74%	260.38%	62.18%	118.47%	218.01%
NOPAT Q/Q Growth	0.00%	0.00%	-31.19%	180.49%	-79.67%	2,504.62%	-47.90%	129.87%	235.29%
Net Income Q/Q Growth	0.00%	0.00%	-30.48%	225.71%	-59.89%	95.76%	-50.00%	147.12%	222.44%
EPS Q/Q Growth	0.00%	0.00%	-28.57%	224.07%	-58.46%	102.33%	-49.11%	141.43%	225.00%
Operating Cash Flow Q/Q Growth	11.45%	0.00%	-97.83%	9.09%	424.36%	-562.79%	-86.69%	9.12%	40.28%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	-572.51%	69.63%	-238.18%	201.64%	-31,436.92%	80.03%	36.18%
Invested Capital Q/Q Growth	0.00%	0.00%	2.71%	0.85%	-0.20%	6.14%	-0.28%	0.75%	-0.55%
Profitability Metrics	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	35.67%	37.51%	271.25%	30.42%	93.96%	219.95%	266.68%	32.68%
EBITDA Margin	9.33%	16.38%	20.05%	25.79%	11.89%	48.70%	108.96%	27.19%	15.26%
Operating Margin	7.85%	16.38%	18.43%	23.48%	9.04%	42.47%	45.47%	24.53%	12.18%
EBIT Margin	7.85%	16.38%	18.43%	23.48%	9.04%	42.47%	60.63%	24.53%	12.18%
Profit (Net Income) Margin	6.32%	13.53%	14.61%	20.20%	6.88%	32.44%	34.29%	21.28%	9.34%
Tax Burden Percent	80.50%	82.56%	79.25%	78.35%	80.46%	79.68%	325.52%	84.44%	80.25%
Interest Burden Percent	100.00%	100.00%	100.00%	109.81%	94.57%	95.84%	2,444.00%	102.76%	95.58%
Effective Tax Rate	19.50%	17.44%	20.75%	21.65%	19.54%	40.64%	93.10%	15.56%	19.75%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	9.83%	0.00%	12.64%	12.06%	13.03%	12.94%	21.40%	4.49%	5.31%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	1.90%	0.00%	4.35%	5.50%	2.12%	4.93%	3.11%	4.67%	2.24%
Return on Assets (ROA)	1.53%	0.00%	3.45%	4.73%	1.61%	3.77%	2.34%	4.05%	1.72%
Return on Common Equity (ROCE)	9.83%	0.00%	12.64%	12.06%	13.03%	12.94%	14.27%	4.49%	5.31%
Return on Equity Simple (ROE_SIMPLE)	9.58%	0.00%	12.34%	0.00%	13.03%	13.11%	7.63%	0.00%	6.09%
Net Operating Profit after Tax (NOPAT)	13	30	32	42	15	73	25	46	20
NOPAT Margin	6.32%	13.53%	14.61%	18.40%	7.28%	33.84%	12.34%	20.71%	9.78%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.16%	-0.03%	-0.06%	0.74%	0.05%	-0.02%
Return On Investment Capital (ROIC_SIMPLE)	1.19%	-	-	4.07%	-	-	-	4.03%	-
Cost of Revenue to Revenue	0.00%	64.33%	62.49%	-171.25%	69.58%	106.04%	317.87%	-166.68%	67.32%
SG&A Expenses to Revenue	0.00%	19.29%	19.08%	-54.45%	21.38%	47.12%	107.51%	-54.37%	20.50%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	92.15%	19.29%	19.08%	247.76%	21.38%	25.74%	129.01%	242.16%	20.50%
Earnings before Interest and Taxes (EBIT)	16	37	40	53	18	46	94	54	25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	19	37	44	58	24	105	38	60	31
Valuation Ratios	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.15	1.09	1.05	0.97	1.10	1.02	2.23	1.18	0.95
Price to Tangible Book Value (P/TBV)	1.20	1.14	1.10	1.02	1.17	1.08	3.53	1.24	1.00
Price to Revenue (P/Rev)	1.43	0.00	1.25	1.16	1.20	1.15	1.41	1.56	1.26
Price to Earnings (P/E)	11.96	0.00	8.50	8.37	8.47	7.79	14.61	22.99	15.51
Dividend Yield	2.37%	2.42%	2.69%	6.12%	5.99%	18.25%	16.34%	8.02%	6.35%
Earnings Yield	8.36%	0.00%	11.76%	11.95%	11.81%	12.84%	6.84%	4.35%	6.45%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.01	0.01	0.05	0.23	0.94	0.21	0.20
Long-Term Debt to Equity	0.00	0.00	0.01	0.01	0.05	0.23	0.37	0.21	0.20
Financial Leverage	-2.40	-2.50	-3.76	-2.54	-2.66	-5.14	-5.10	-2.45	-3.85
Leverage Ratio	3.39	3.55	3.65	3.71	3.94	7.58	7.20	3.48	3.56
Compound Leverage Factor	3.39	3.55	3.65	4.08	3.72	7.27	172.57	3.57	3.40
Debt to Total Capital	0.35%	0.43%	0.50%	0.58%	4.72%	10.45%	47.34%	17.20%	16.57%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.35%	0.43%	0.50%	0.58%	4.72%	10.45%	63.12%	17.20%	16.57%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	99.65%	99.57%	99.50%	99.42%	95.28%	89.55%	336.88%	82.80%	83.43%
Debt to EBITDA	0.03	0.00	0.03	0.03	0.26	0.60	0.78	1.19	0.96
Net Debt to EBITDA	-17.87	0.00	-13.49	-14.60	-13.58	-13.23	-10.71	-15.08	-12.93
Long-Term Debt to EBITDA	0.03	0.00	0.03	0.03	0.26	0.60	0.78	1.19	0.96
Debt to NOPAT	0.04	0.00	0.04	0.05	0.36	0.85	2.31	4.05	1.59
Net Debt to NOPAT	-24.70	0.00	-19.26	-21.30	-19.24	-18.70	-31.78	-51.26	-21.53
Long-Term Debt to NOPAT	0.04	0.00	0.04	0.05	0.36	0.85	2.31	4.05	1.59
Altman Z-Score	1.85	0.00	1.80	1.81	1.73	1.74	3.42	1.74	1.64
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-
Current Ratio	26.54	25.81	25.66	84.76	25.52	59.17	66.06	84.10	32.13
Quick Ratio	26.53	25.81	25.66	84.75	25.51	59.16	165.13	84.10	32.12
Cash Flow Metrics	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	25	53	-49	-11	-37	27	-3,252	-13	-66
Operating Cash Flow to CapEx	2,920.00%	0.00%	46.15%	3,942.86%	2,811.11%	-7,800.00%	2,580.00%	8,075.00%	4,228.57%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	-36.80	14.01	-1,413.85	0.00	-60.38
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	25.30	-8.21	7.48	0.00	26.91
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	24.40	-4.16	3.30	0.00	26.27
Efficiency Ratios	-	-	-	-	-	-	-	-	-
Asset Turnover	0.24	0.00	0.24	0.23	0.23	0.23	0.20	0.19	0.18
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	119.47	0.00	96.25	91.99	85.56	82.32	60.95	53.45	48.87
Accounts Payable Turnover	29.81	0.00	26.11	0.00	23.05	24.08	23.88	0.00	21.68
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	12.25	0.00	13.98	0.00	15.83	15.16	15.29	0.00	16.84
Cash Conversion Cycle (CCC)	-12.25	0.00	-13.98	0.00	-15.83	-15.16	-15.29	0.00	-16.84
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-
Invested Capital	-1,473	-1,519	-1,461	-1,484	-1,497	-1,494	-1,541	-1,537	-1,549
Invested Capital Turnover	-0.59	0.00	-0.57	-0.56	-0.56	-0.56	-0.32	-0.46	-0.43
Increase / (Decrease) in Invested Capital	-12	-22	81	53	52	46	3,303	59	86
Enterprise Value (EV)	-1,315	-1,421	-1,410	-1,527	-1,402	-1,474	-1,430	-1,369	-1,599
Market Capitalization	1,233	1,191	1,073	988	1,014	972	1,085	1,113	869
Book Value per Share	$44.16	$44.02	$40.36	$39.42	$35.26	$70.82	$71.80	$34.72	$33.66
Tangible Book Value per Share	$42.12	$42.02	$38.40	$37.48	$33.35	$67.11	$136.25	$32.89	$31.83
Total Capital	1,080	1,098	1,028	1,020	965	2,126	1,157	1,140	1,102
Total Debt	3.80	4.70	5.10	5.90	46	222	365	196	183
Total Long-Term Debt	3.80	4.70	5.10	5.90	46	222	548	196	183
Net Debt	-2,548	-2,613	-2,483	-2,515	-2,416	-4,891	-5,031	-2,481	-2,468
Capital Expenditures (CapEx)	0.50	0.00	1.30	0.70	0.90	0.20	0.50	0.40	0.70
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-83	-87	-84	-26	-85	-153	-219	-29	-75
Debt-free Net Working Capital (DFNWC)	2,120	2,168	2,069	2,186	2,086	4,373	2,341	2,385	2,328
Net Working Capital (NWC)	2,120	2,168	2,069	2,186	2,086	4,373	7,024	2,385	2,328
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	-4.07	0.80	3.03	3.74	-1.27	0.88
Net Nonoperating Obligations (NNO)	-2,548	-2,613	-2,483	-2,498	-2,416	-4,891	-5,031	-2,481	-2,468
Total Depreciation and Amortization (D&A)	3.00	0.00	3.50	5.20	5.80	13	19	5.90	6.30
Debt-free, Cash-free Net Working Capital to Revenue	-9.65%	0.00%	-9.74%	-3.07%	-10.05%	-9.02%	-9.52%	-4.02%	-10.82%
Debt-free Net Working Capital to Revenue	246.41%	0.00%	240.17%	256.93%	246.33%	257.88%	304.86%	334.28%	336.70%
Net Working Capital to Revenue	246.41%	0.00%	240.17%	256.93%	246.33%	257.88%	304.86%	334.28%	336.70%
Earnings Adjustments	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.52	$1.22	$1.25	$1.76	$0.54	$2.62	$0.87	$1.70	$0.70
Adjusted Weighted Average Basic Shares Outstanding	24.04M	24.72M	24.84M	25.30M	25.72M	52.13M	26.88M	27.14M	27.20M
Adjusted Diluted Earnings per Share	$0.52	$1.21	$1.25	$1.75	$0.54	$2.60	$0.86	$1.69	$0.70
Adjusted Weighted Average Diluted Shares Outstanding	24.04M	24.72M	24.84M	25.30M	25.72M	52.13M	26.88M	27.14M	27.20M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	24.04M	24.72M	24.84M	25.30M	25.72M	52.13M	26.88M	27.14M	27.20M
Normalized Net Operating Profit after Tax (NOPAT)	13	30	32	42	15	73	76	46	20
Normalized NOPAT Margin	6.32%	13.53%	14.61%	18.40%	7.28%	33.84%	49.34%	20.71%	9.78%
Pre Tax Income Margin	7.85%	16.38%	18.43%	25.79%	8.55%	40.71%	42.13%	25.20%	11.64%
Debt Service Ratios	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	18.40	48.11	27.22	0.00	22.64
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	14.80	38.33	55.37	0.00	18.17
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	17.50	48.00	40.17	0.00	22.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	13.90	19.11	43.43	0.00	17.53
Payout Ratios	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	29.10%	0.00%	23.69%	25.15%	53.05%	50.80%	121.80%	186.57%	101.43%
Augmented Payout Ratio	84.19%	0.00%	79.64%	89.59%	105.85%	95.03%	168.64%	249.38%	168.57%

Frequently Asked Questions About Employers' Financials

When does Employers's fiscal year end?

According to the most recent income statement we have on file, Employers' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Employers' net income changed over the last 10 years?

Employers' net income were at $118.60 million at the end of 2024, a 0.4% increase from 2023, and a 17.8% increase since 2014. View Employers' forecast to see where analysts expect Employers to go next.

What is Employers's operating income?

Employers's total operating income in 2024 was $146.80 million, based on the following breakdown:

Total Gross Profit: $323.30 million
Total Operating Expenses: $176.50 million

How has Employers revenue changed over the last 10 years?

Over the last 10 years, Employers' total revenue changed from $773.50 million in 2014 to $880.70 million in 2024, a change of 13.9%.

How much debt does Employers have?

Employers' total liabilities were at $2.47 billion at the end of 2024, a 2.5% decrease from 2023, and a 19.8% decrease since 2014.

How much cash does Employers have?

In the past 10 years, Employers' cash and equivalents has ranged from $56.60 million in 2015 to $226.40 million in 2023, and is currently $68.30 million as of their latest financial filing in 2024.

How has Employers' book value per share changed over the last 10 years?

Over the last 10 years, Employers' book value per share changed from 21.81 in 2014 to 43.24 in 2024, a change of 98.2%.

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This page (NYSE:EIG) was last updated on 5/24/2025 by MarketBeat.com Staff

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Employers (EIG) Financials

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Employers (EIG) Financials

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