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Employers (EIG) Financials

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$43.92 +0.02 (+0.03%)
Closing price 05/22/2026 03:59 PM Eastern
Extended Trading
$43.92 +0.01 (+0.01%)
As of 05/22/2026 05:36 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Employers

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 94 107 101 141 157 120 119 48 118 119 11
Consolidated Net Income / (Loss)		 94 107 101 141 157 120 119 48 118 119 11
Net Income / (Loss) Continuing Operations		 94 107 101 141 157 120 119 48 118 119 11
Total Pre-Tax Income 		99 141 144 170 194 148 147 56 148 147 12
Total Operating Income		 102 142 145 171 194 148 148 56 148 147 12
Total Gross Profit		 237 278 293 330 382 330 312 714 345 323 179
Total Revenue		 752 780 801 800 836 711 703 714 851 881 859
Operating Revenue		 752 780 801 800 836 711 703 714 851 881 859
Total Cost of Revenue		 515 501 509 471 454 381 391 0.00 506 557 680
Operating Cost of Revenue		 515 501 509 471 454 381 391 - 506 557 680
Total Operating Expenses		 135 136 147 159 188 182 164 658 197 177 167
Selling, General & Admin Expense		 135 136 140 159 188 181 164 0.00 180 177 165
Other Operating Expenses / (Income)		 - - 7.50 - - 0.80 - 658 17 0.10 1.60
Total Other Income / (Expense), net		 -2.70 -1.60 -1.40 -1.50 -0.60 -0.40 -0.50 0.00 0.00 0.00 0.00
Income Tax Expense		 5.00 34 43 28 37 28 28 7.40 30 28 1.20
Basic Earnings per Share		 $2.94 $3.29 $3.11 $4.30 $4.89 $4.01 $4.22 $1.76 $4.48 $4.73 $0.46
Weighted Average Basic Shares Outstanding		 32.22M 32.15M 32.71M 32.83M 31.46M 28.41M 27.73M 27.14M 25.30M 24.36M 19.48M
Diluted Earnings per Share		 $2.90 $3.24 $3.06 $4.24 $4.83 $3.97 $4.17 $1.75 $4.45 $4.71 $0.46
Weighted Average Diluted Shares Outstanding		 32.22M 32.15M 32.71M 32.83M 31.46M 28.41M 27.73M 27.14M 25.30M 24.36M 19.48M
Weighted Average Basic & Diluted Shares Outstanding		 32.22M 32.15M 32.71M 32.83M 31.46M 28.41M 27.73M 27.14M 25.30M 24.36M 19.48M
Cash Dividends to Common per Share		 $0.24 $0.36 $0.60 $0.80 $0.88 $0.00 $1.00 $3.28 $1.10 $1.18 $1.26

Quarterly Income Statements for Employers

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 14 46 28 32 30 28 13 30 -8.30 -23 10
Consolidated Net Income / (Loss)		 14 46 28 32 30 28 13 30 -8.30 -23 10
Net Income / (Loss) Continuing Operations		 14 46 28 32 30 28 13 30 -8.30 -23 10
Total Pre-Tax Income 		17 58 35 40 37 35 16 37 -11 -30 13
Total Operating Income		 18 53 35 40 37 35 16 37 -11 -30 13
Total Gross Profit		 62 612 223 82 81 -63 59 80 30 -133 55
Total Revenue		 204 226 223 217 224 217 203 246 239 171 208
Operating Revenue		 204 226 223 217 224 217 203 246 239 171 208
Total Cost of Revenue		 142 -387 0.00 135 144 279 144 166 210 304 153
Operating Cost of Revenue		 142 - - 135 144 - 144 166 210 - 153
Total Operating Expenses		 44 559 188 42 44 -97 43 43 41 -104 42
Selling, General & Admin Expense		 44 -123 0.00 0.00 0.00 177 43 0.00 0.00 165 41
Other Operating Expenses / (Income)		 0.00 682 188 42 44 -274 0.10 43 41 -269 1.10
Total Other Income / (Expense), net		 -1.00 5.20 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Income Tax Expense		 3.40 13 7.00 8.30 6.40 6.40 3.10 7.30 -2.90 -6.30 2.60
Basic Earnings per Share		 $0.54 $1.76 $1.12 $1.25 $1.22 $1.14 $0.52 $1.24 ($0.36) ($0.94) $0.53
Weighted Average Basic Shares Outstanding		 25.72M 25.30M 24.84M - 24.72M 24.36M 24.04M 23.51M 22.48M 19.48M 18.24M
Diluted Earnings per Share		 $0.54 $1.75 $1.11 $1.25 $1.21 $1.14 $0.52 $1.23 ($0.36) ($0.93) $0.52
Weighted Average Diluted Shares Outstanding		 25.72M 25.30M 24.84M - 24.72M 24.36M 24.04M 23.51M 22.48M 19.48M 18.24M
Weighted Average Basic & Diluted Shares Outstanding		 25.72M 25.30M 24.84M - 24.72M 24.36M 24.04M 23.51M 22.48M 19.48M 18.24M
Cash Dividends to Common per Share		 $0.28 $0.28 $0.28 $0.30 $0.30 $0.30 $0.30 $0.32 $0.32 $0.32 $0.32

Annual Cash Flow Statements for Employers

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -47 12 3.50 28 53 5.40 -85 14 137 -158 92
Net Cash From Operating Activities		 116 123 142 180 123 33 11 100 49 76 45
Net Cash From Continuing Operating Activities		 116 123 142 180 123 33 11 100 65 76 45
Net Income / (Loss) Continuing Operations		 94 107 101 141 157 120 119 48 118 119 11
Consolidated Net Income / (Loss)		 94 107 101 141 157 120 119 48 118 119 11
Depreciation Expense		 8.30 8.50 8.20 6.30 9.00 8.20 7.40 5.30 4.80 3.60 3.60
Amortization Expense		 13 15 14 8.40 14 19 23 19 19 12 5.10
Non-Cash Adjustments To Reconcile Net Income		 48 40 38 57 27 16 -39 55 -14 29 58
Changes in Operating Assets and Liabilities, net		 -48 -47 -19 -33 -85 -129 -100 -28 -64 -87 -33
Net Cash From Investing Activities		 -101 -88 -113 -120 49 84 -1.70 -146 377 -160 226
Net Cash From Continuing Investing Activities		 -101 -88 -113 -120 49 84 -1.70 -146 362 -160 226
Purchase of Property, Plant & Equipment		 -12 -5.00 -8.20 -11 -12 -5.50 -3.60 -2.60 -2.20 -4.90 -2.20
Acquisitions		 - - 0.00 0.00 -16 0.00 0.00 0.00 0.00 0.00 0.00
Purchase of Investments		 -562 -526 -632 -753 -653 -973 -743 -893 -519 -840 -853
Sale and/or Maturity of Investments		 464 443 527 644 730 1,063 744 749 884 686 1,081
Net Cash From Financing Activities		 -62 -24 -26 -33 -119 -112 -94 60 -290 -75 -179
Net Cash From Continuing Financing Activities		 -62 -24 -26 -33 -119 -112 -94 60 -289 -75 -179
Repayment of Debt		 -0.50 0.00 -0.20 -0.20 -20 -15 -20 0.00 -183 0.00 0.00
Repurchase of Common Equity		 0.00 -21 0.00 -4.20 -68 -99 -43 -30 -76 -43 -183
Payment of Dividends		 -7.70 -12 -20 -27 -28 -31 -29 -90 -30 -30 -30
Issuance of Debt		 - - - - 0.00 0.00 27 10 0.00 0.00 35
Other Financing Activities, net		 -54 9.00 -6.10 -1.80 -2.70 33 -30 171 -0.20 -1.90 -1.40
Cash Interest Paid		 - - - - - - 0.30 2.60 5.80 0.10 0.50
Cash Income Taxes Paid		 - - - - - - 29 16 32 32 12

Quarterly Cash Flow Statements for Employers

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 43 118 -112 -19 48 -75 32 -31 98 -7.00 -6.70
Net Cash From Operating Activities		 25 28 0.60 12 51 13 15 - 29 0.70 2.20
Net Cash From Continuing Operating Activities		 25 43 0.60 12 51 13 15 - 29 0.70 2.20
Net Income / (Loss) Continuing Operations		 14 46 28 32 30 28 13 30 -8.30 -23 10
Consolidated Net Income / (Loss)		 14 46 28 32 30 28 13 30 -8.30 -23 10
Depreciation Expense		 1.00 1.10 1.00 0.90 0.80 0.90 0.80 0.90 0.90 1.00 0.90
Amortization Expense		 4.80 4.10 2.50 4.10 2.80 2.70 2.20 1.70 2.10 -0.90 1.50
Non-Cash Adjustments To Reconcile Net Income		 8.40 -10 -7.00 -0.20 23 12 26 -20 -6.00 57 1.90
Changes in Operating Assets and Liabilities, net		 -2.90 2.20 -24 -25 -5.60 -31 -27 -12 41 -33 -12
Net Cash From Investing Activities		 106 152 -98 -3.90 12 -70 46 0.10 121 59 -12
Net Cash From Continuing Investing Activities		 106 137 -98 -3.90 12 -70 46 0.10 121 59 -12
Purchase of Property, Plant & Equipment		 -0.90 -0.70 -1.30 -1.00 -0.90 -1.70 -0.50 -0.90 -0.60 -0.20 -0.90
Purchase of Investments		 -171 -113 -193 -132 -212 -302 -75 -94 -110 -575 -175
Sale and/or Maturity of Investments		 278 251 96 129 225 233 121 95 232 633 164
Net Cash From Financing Activities		 -88 -62 -15 -27 -15 -18 -29 -31 -53 -66 3.40
Net Cash From Continuing Financing Activities		 -88 -61 -15 -27 -15 -18 -29 -31 -53 -66 3.40
Repayment of Debt		 -65 -40 0.00 - - - 0.00 - - - 0.00
Repurchase of Common Equity		 -15 -15 -5.60 -19 -7.60 -11 -20 -24 -45 -94 -79
Payment of Dividends		 -7.30 -7.20 -7.80 -7.60 -7.40 -7.50 -7.50 -7.90 -7.40 -7.10 -6.30
Issuance of Debt		 - - 0.00 - - - 0.00 - - 35 90
Other Financing Activities, net		 -0.30 0.90 -1.70 -0.10 -0.10 - -1.30 - -0.10 - -1.00

Annual Balance Sheets for Employers

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 3,756 3,773 3,840 3,919 4,004 3,923 3,783 3,717 3,550 3,541 3,437
Total Current Assets		 2,567 2,640 2,772 150 2,658 2,682 2,443 2,414 2,212 2,187 2,242
Cash & Equivalents		 57 67 73 101 155 160 75 89 226 68 160
Restricted Cash		 2.50 - 1.00 - 0.30 0.20 0.20 0.20 0.20 0.20 0.20
Short-Term Investments		 2,508 2,573 2,697 25 2,502 2,521 2,368 2,324 1,986 2,113 2,066
Current Deferred & Refundable Income Taxes		 - - - 0.00 - - - - - 4.80 16
Plant, Property, & Equipment, net		 25 22 14 18 22 19 15 12 6.50 7.80 6.50
Total Noncurrent Assets		 1,164 1,111 1,055 3,775 1,325 1,222 1,326 1,291 1,332 1,347 1,188
Long-Term Investments		 - - 0.00 2,703 293 251 383 263 309 366 288
Goodwill		 36 36 36 36 36 36 36 36 36 36 36
Intangible Assets		 8.50 8.20 7.90 7.70 14 14 14 14 14 14 14
Noncurrent Deferred & Refundable Income Taxes		 68 59 29 27 - - 0.00 63 43 38 14
Other Noncurrent Operating Assets		 1,051 1,007 982 1,001 982 921 893 915 930 893 836
Total Liabilities & Shareholders' Equity		 3,756 3,773 3,840 3,919 4,004 3,923 3,783 3,717 3,550 3,541 3,437
Total Liabilities		 2,995 2,933 2,892 2,901 2,838 2,710 2,570 2,773 2,537 2,473 2,481
Total Current Liabilities		 2,372 2,325 24 2,245 30 23 24 29 26 21 99
Short-Term Debt		 - - - - - - - - - 0.00 16
Accounts Payable		 24 24 24 37 30 23 24 29 26 21 23
Current Deferred & Payable Income Tax Liabilities		 - - - - - - - - - - 0.00
Other Taxes Payable		 - - - - - - - - - - 60
Total Noncurrent Liabilities		 623 608 2,869 656 2,809 2,687 2,546 2,744 2,493 2,438 2,382
Long-Term Debt		 32 32 20 20 - 20 0.00 183 0.00 0.00 19
Capital Lease Obligations		 - - - - - 20 17 14 5.90 4.20 3.90
Noncurrent Deferred & Payable Income Tax Liabilities		 - - - - 2.60 16 7.70 0.00 0.00 0.00 0.00
Other Noncurrent Operating Liabilities		 591 576 2,849 636 2,806 2,632 2,522 2,548 2,488 2,433 2,359
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		 761 841 948 1,018 1,166 1,213 1,213 944 1,014 1,069 956
Total Preferred & Common Equity		 761 841 948 1,018 1,166 1,213 1,213 944 1,014 1,069 956
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		 761 841 948 1,018 1,166 1,213 1,213 944 1,014 1,069 956
Common Stock		 358 373 382 389 397 405 411 415 420 425 428
Retained Earnings		 682 777 842 1,031 1,159 1,248 1,339 1,296 1,384 1,473 1,454
Treasury Stock		 -363 -384 -384 -388 -455 -555 -597 -628 -705 -747 -934
Accumulated Other Comprehensive Income / (Loss)		 84 75 107 -14 65 115 61 -139 -86 -83 7.30

Quarterly Balance Sheets for Employers

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 Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,686 3,709 3,744 3,616 3,527 3,550 3,617 3,557 3,543 3,526 3,437
Total Current Assets		 2,340 2,403 2,414 2,263 2,172 2,153 2,256 2,203 2,171 2,166 2,232
Cash & Equivalents		 129 148 87 66 109 96 143 100 69 167 153
Restricted Cash		 1.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20
Short-Term Investments		 2,209 2,255 2,328 2,197 2,063 2,057 2,112 2,102 2,102 1,999 2,063
Current Deferred & Refundable Income Taxes		 - - - - - - - - - - 15
Plant, Property, & Equipment, net		 13 13 11 7.20 7.00 6.70 7.00 7.70 7.70 7.20 6.50
Total Noncurrent Assets		 1,332 1,293 1,318 1,345 1,349 1,391 1,355 1,347 1,365 1,353 1,198
Long-Term Investments		 319 247 283 294 290 336 362 350 374 395 287
Goodwill		 36 36 36 36 36 36 36 36 36 36 36
Intangible Assets		 14 14 14 14 14 14 14 14 14 14 14
Noncurrent Deferred & Refundable Income Taxes		 50 71 54 56 64 42 26 35 29 18 19
Other Noncurrent Operating Assets		 914 925 932 946 945 963 917 912 911 890 843
Total Liabilities & Shareholders' Equity		 3,686 3,709 3,744 3,616 3,527 3,550 3,617 3,557 3,543 3,526 3,437
Total Liabilities		 2,708 2,790 2,770 2,664 2,608 2,527 2,524 2,481 2,460 2,487 2,570
Total Current Liabilities		 68 75 73 77 85 84 87 83 80 80 75
Short-Term Debt		 - - - - - - - - - - 0.00
Accounts Payable		 22 21 20 20 22 19 22 19 17 18 19
Current Deferred & Payable Income Tax Liabilities		 - - - - - - - 4.00 0.00 0.00 0.00
Other Taxes Payable		 47 53 53 57 63 65 65 60 63 62 55
Total Noncurrent Liabilities		 2,640 2,715 2,697 2,587 2,523 2,443 2,437 2,398 2,380 2,408 2,496
Long-Term Debt		 126 183 183 106 40 0.00 0.00 0.00 0.00 0.00 125
Capital Lease Obligations		 15 - - 5.40 5.10 5.10 4.70 3.80 3.40 4.10 3.80
Noncurrent Deferred & Payable Income Tax Liabilities		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Noncurrent Operating Liabilities		 2,499 2,532 2,514 2,476 2,477 2,438 2,432 2,394 2,377 2,404 2,367
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		 978 919 974 952 919 1,023 1,093 1,076 1,083 1,039 867
Total Preferred & Common Equity		 978 919 974 952 919 1,023 1,093 1,076 1,083 1,039 867
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		 978 919 974 952 919 1,023 1,093 1,076 1,083 1,039 867
Common Stock		 412 414 416 418 419 422 423 425 426 427 429
Retained Earnings		 1,278 1,290 1,312 1,339 1,346 1,429 1,452 1,479 1,500 1,484 1,458
Treasury Stock		 -619 -626 -639 -675 -689 -729 -737 -767 -790 -836 -1,011
Accumulated Other Comprehensive Income / (Loss)		 -95 -159 -115 -131 -157 -99 -45 -61 -53 -37 -9.00

Annual Metrics And Ratios for Employers

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 22,479,106.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 22,479,106.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.48
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.77% 3.68% 2.77% -0.12% 4.44% -14.89% -1.17% 1.48% 19.26% 3.50% -2.50%
EBITDA Growth		 -3.14% 34.25% 1.51% 10.60% 17.07% -19.46% 1.43% -7.38% 4.74% -5.69% -87.25%
EBIT Growth		 -6.84% 39.37% 2.18% 17.61% 13.68% -23.82% -0.41% -21.97% 28.93% -1.08% -91.82%
NOPAT Growth		 -6.35% 11.29% -5.31% 39.50% 10.55% -23.77% -0.35% -59.57% 144.01% 0.49% -90.89%
Net Income Growth		 -6.26% 13.03% -5.15% 39.62% 11.18% -23.74% -0.42% -59.43% 144.01% 0.42% -90.89%
EPS Growth		 -7.64% 11.72% -5.56% 38.56% 13.92% -17.81% 5.04% -58.03% 154.29% 5.84% -90.23%
Operating Cash Flow Growth		 -32.29% 5.50% 15.88% 26.63% -32.02% -73.06% -67.27% 824.07% -50.50% 54.66% -41.49%
Free Cash Flow Firm Growth		 -61.42% 52.65% 36.09% -23.09% 63.69% -90.62% 116.89% -130.50% 705.56% 46.61% -35.91%
Invested Capital Growth		 1.68% 0.36% -2.04% 2.01% -0.93% 5.82% 5.02% 3.71% 3.43% 1.54% -3.46%
Revenue Q/Q Growth		 -1.07% 1.13% 0.98% -2.63% 3.84% -2.63% 1.25% 3.18% 0.46% 0.00% -5.10%
EBITDA Q/Q Growth		 -8.40% 21.08% 2.63% -11.57% 6.31% 30.57% -6.72% -13.78% -3.15% 0.00% -76.66%
EBIT Q/Q Growth		 -10.83% 25.82% 3.19% -11.58% 5.71% 36.25% -7.70% -17.67% -3.20% 0.00% -84.31%
NOPAT Q/Q Growth		 -1.84% 7.11% -4.08% -3.73% 3.86% 37.13% -7.31% -57.77% -5.97% 0.00% -82.74%
Net Income Q/Q Growth		 -2.48% 8.99% -3.98% -3.88% 4.11% 36.76% -7.16% -13.57% -1.34% 0.00% -82.72%
EPS Q/Q Growth		 -3.01% 8.72% -4.08% -4.29% 5.23% 37.85% -3.92% -11.62% 1.37% 0.00% -81.82%
Operating Cash Flow Q/Q Growth		 -10.12% 2.85% 9.80% 5.01% -23.29% -42.61% 145.19% 13.93% -8.69% -15.95% -21.72%
Free Cash Flow Firm Q/Q Growth		 -31.96% -4.54% 37.28% -30.29% 38.36% -79.36% 814.77% -200.34% 104.44% 0.00% 1.18%
Invested Capital Q/Q Growth		 1.38% 2.04% -0.28% 1.98% -0.38% 5.01% 2.37% 150.37% 0.85% 0.00% 0.35%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 31.55% 35.70% 36.54% 41.17% 45.69% 46.42% 44.35% 131.76% 100.00% 36.71% 20.85%
EBITDA Margin		 16.38% 21.21% 20.95% 23.20% 26.01% 24.61% 25.26% 23.06% 20.25% 18.45% 2.41%
Operating Margin		 13.58% 18.25% 18.14% 21.36% 23.26% 20.82% 20.98% 16.13% 17.44% 16.67% 1.40%
EBIT Margin		 13.58% 18.25% 18.14% 21.36% 23.26% 20.82% 20.98% 16.13% 17.44% 16.67% 1.40%
Profit (Net Income) Margin		 12.55% 13.68% 12.63% 17.65% 18.79% 16.84% 16.97% 13.57% 13.88% 13.47% 1.26%
Tax Burden Percent		 94.97% 75.84% 70.28% 83.36% 81.06% 81.11% 81.16% 173.48% 79.58% 80.85% 90.00%
Interest Burden Percent		 97.36% 98.88% 99.04% 99.12% 99.69% 99.73% 99.66% 194.10% 100.00% 99.93% 100.00%
Effective Tax Rate		 5.03% 24.16% 29.72% 16.64% 18.94% 18.89% 18.84% 26.52% 20.42% 19.15% 10.00%
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)		 13.04% 13.33% 11.32% 14.38% 14.39% 10.07% 9.84% 4.49% 12.06% 11.39% 1.07%
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)		 2.71% 3.78% 3.82% 4.41% 4.91% 3.74% 3.83% 0.00% 4.08% 4.14% 0.34%
Return on Assets (ROA)		 2.51% 2.83% 2.66% 3.64% 3.97% 3.02% 3.10% 0.00% 3.25% 3.34% 0.31%
Return on Common Equity (ROCE)		 13.04% 13.33% 11.32% 14.38% 14.39% 10.07% 9.84% 0.00% 12.06% 11.39% 1.07%
Return on Equity Simple (ROE_SIMPLE)		 12.41% 12.69% 10.68% 13.88% 13.48% 9.88% 9.83% 5.13% 11.65% 11.10% 0.00%
Net Operating Profit after Tax (NOPAT)		 97 108 102 143 158 120 120 48 118 119 11
NOPAT Margin		 12.89% 13.84% 12.75% 17.81% 18.85% 16.89% 17.03% 13.99% 13.88% 13.48% 1.26%
Net Nonoperating Expense Percent (NNEP)		 -0.10% -0.05% -0.04% -0.05% -0.02% -0.01% -0.01% 0.00% 0.00% 0.00% 0.00%
Return On Investment Capital (ROIC_SIMPLE)		 - - - - - - - 4.24% 11.58% 11.06% 1.09%
Cost of Revenue to Revenue		 68.45% 64.30% 63.46% 58.83% 54.31% 53.58% 55.65% 68.24% 0.00% 63.29% 79.15%
SG&A Expenses to Revenue		 17.98% 17.45% 17.46% 19.80% 22.43% 25.49% 23.37% 23.45% 1.29% 20.04% 19.26%
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		 17.98% 17.45% 18.39% 19.80% 22.43% 25.60% 23.37% 92.18% 82.56% 20.04% 19.45%
Earnings before Interest and Taxes (EBIT)		 102 142 145 171 194 148 148 115 148 147 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 123 165 168 186 217 175 178 165 172 163 21
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.90 1.20 1.22 1.11 0.95 0.66 0.84 1.18 0.97 1.18 1.02
Price to Tangible Book Value (P/TBV)		 0.96 1.26 1.28 1.16 0.99 0.69 0.88 1.24 1.02 1.24 1.07
Price to Revenue (P/Rev)		 0.91 1.29 1.44 1.41 1.33 1.13 1.45 3.15 1.16 1.44 1.13
Price to Earnings (P/E)		 7.25 9.42 11.42 7.97 7.06 6.71 8.57 46.37 8.37 10.68 89.85
Dividend Yield		 1.12% 1.15% 1.68% 2.33% 2.52% 3.61% 2.74% 15.99% 6.12% 2.30% 2.92%
Earnings Yield		 13.79% 10.61% 8.76% 12.55% 14.16% 14.90% 11.67% 8.68% 11.95% 9.37% 1.11%
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		 0.04 0.04 0.02 0.02 0.00 0.03 0.01 0.00 0.01 0.00 0.04
Long-Term Debt to Equity		 0.04 0.04 0.02 0.02 0.00 0.03 0.01 0.00 0.01 0.00 0.02
Financial Leverage		 -3.47 -3.21 -3.00 -2.82 -2.63 -2.46 -2.35 0.00 -2.54 -2.41 -2.47
Leverage Ratio		 5.20 4.70 4.26 3.95 3.63 3.33 3.18 0.00 3.71 3.41 3.45
Compound Leverage Factor		 5.06 4.65 4.22 3.91 3.62 3.32 3.17 0.00 3.71 3.40 3.45
Debt to Total Capital		 4.04% 3.67% 2.07% 1.93% 0.00% 3.19% 1.35% 0.00% 0.58% 0.39% 3.91%
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% 1.61%
Long-Term Debt to Total Capital		 4.04% 3.67% 2.07% 1.93% 0.00% 3.19% 1.35% 0.00% 0.58% 0.39% 2.30%
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		 95.96% 96.33% 97.93% 98.07% 100.00% 96.81% 98.65% 0.00% 99.42% 99.61% 96.09%
Debt to EBITDA		 0.26 0.19 0.12 0.11 0.00 0.23 0.09 2.44 0.03 0.03 1.88
Net Debt to EBITDA		 -20.58 -15.77 -16.39 -15.13 0.00 -16.52 -15.82 -30.82 -14.60 -15.65 -119.58
Long-Term Debt to EBITDA		 0.26 0.19 0.12 0.11 0.00 0.23 0.09 4.77 0.03 0.03 1.11
Debt to NOPAT		 0.33 0.30 0.20 0.14 0.00 0.33 0.14 7.86 0.05 0.04 3.60
Net Debt to NOPAT		 -26.14 -24.17 -26.93 -19.71 0.00 -24.09 -23.47 -51.26 -21.30 -21.43 -229.20
Long-Term Debt to NOPAT		 0.33 0.30 0.20 0.14 0.00 0.33 0.14 7.86 0.05 0.04 2.12
Altman Z-Score		 0.74 0.93 1.74 0.31 1.80 1.74 1.82 0.00 1.90 2.01 1.86
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		 1.08 1.14 116.95 0.07 89.18 117.10 101.37 0.00 84.76 102.91 56.91
Quick Ratio		 1.08 1.14 116.90 0.06 89.17 117.10 101.36 0.00 84.75 102.90 56.50
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 67 102 138 106 174 16 35 -11 65 96 61
Operating Cash Flow to CapEx		 1,012.17% 2,456.00% 1,735.37% 1,716.19% 1,012.40% 600.00% 300.00% 7,676.92% 2,245.45% 1,559.18% 2,031.82%
Free Cash Flow to Firm to Interest Expense		 24.65 63.51 98.77 70.90 290.14 40.81 70.81 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 43.11 76.75 101.64 120.13 204.17 82.50 21.60 28.51 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 38.85 73.63 95.79 113.13 184.00 68.75 14.40 27.77 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.20 0.21 0.21 0.21 0.21 0.18 0.18 0.00 0.23 0.25 0.25
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		 32.77 33.11 44.40 49.87 41.69 34.70 41.60 53.45 91.99 123.17 120.10
Accounts Payable Turnover		 23.14 20.76 21.24 15.49 13.57 14.47 16.65 0.00 0.00 23.57 30.48
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)		 15.78 17.58 17.19 23.56 26.89 25.23 21.92 19.79 0.00 15.49 11.98
Cash Conversion Cycle (CCC)		 -15.78 -17.58 -17.19 -23.56 -26.89 -25.23 -21.92 0.00 0.00 -15.49 -11.98
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 -1,774 -1,768 -1,804 -1,768 -1,784 -1,680 -1,596 -1,537 -1,484 -1,461 -1,512
Invested Capital Turnover		 -0.42 -0.44 -0.45 -0.45 -0.47 -0.41 -0.43 0.00 -0.56 -0.60 -0.58
Increase / (Decrease) in Invested Capital		 30 6.30 -36 36 -17 104 84 59 53 23 -51
Enterprise Value (EV)		 -1,850 -1,603 -1,596 -1,683 -1,840 -2,089 -1,787 -237 -1,527 -1,278 -1,505
Market Capitalization		 684 1,006 1,156 1,126 1,110 804 1,022 1,113 988 1,266 970
Book Value per Share		 $23.72 $26.20 $29.22 $31.04 $36.64 $41.79 $43.38 $34.72 $39.42 $43.24 $42.52
Tangible Book Value per Share		 $22.32 $24.81 $27.86 $29.70 $35.08 $40.07 $41.60 $32.89 $37.48 $41.22 $40.30
Total Capital		 793 873 968 1,038 1,166 1,253 1,230 1,140 1,020 1,073 995
Total Debt		 32 32 20 20 0.00 40 17 392 5.90 4.20 39
Total Long-Term Debt		 32 32 20 20 0.00 40 17 392 5.90 4.20 23
Net Debt		 -2,535 -2,608 -2,752 -2,809 -2,950 -2,893 -2,809 -2,481 -2,515 -2,544 -2,475
Capital Expenditures (CapEx)		 12 5.00 8.20 11 12 5.50 3.60 5.20 2.20 4.90 2.20
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -2,372 -2,325 -24 -2,222 -30 -23 -24 -29 -26 -21 -7.30
Debt-free Net Working Capital (DFNWC)		 195 315 2,748 -2,095 2,628 2,659 2,419 4,770 2,186 2,161 2,219
Net Working Capital (NWC)		 195 315 2,748 -2,095 2,628 2,659 2,419 4,770 2,186 2,161 2,203
Net Nonoperating Expense (NNE)		 2.56 1.21 0.98 1.25 0.49 0.32 0.41 0.00 0.00 0.08 0.00
Net Nonoperating Obligations (NNO)		 -2,535 -2,608 -2,752 -2,786 -2,950 -2,893 -2,809 -2,481 -2,498 -2,530 -2,468
Total Depreciation and Amortization (D&A)		 21 23 23 15 23 27 30 25 24 16 8.70
Debt-free, Cash-free Net Working Capital to Revenue		 -315.33% -298.18% -2.96% -277.59% -3.57% -3.22% -3.43% -4.02% -3.07% -2.41% -0.85%
Debt-free Net Working Capital to Revenue		 25.97% 40.42% 342.89% -261.79% 314.36% 373.74% 344.03% 668.56% 256.93% 245.32% 258.41%
Net Working Capital to Revenue		 25.97% 40.42% 342.89% -261.79% 314.36% 373.74% 344.03% 668.56% 256.93% 245.32% 256.55%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.94 $3.29 $3.11 $4.30 $4.89 $4.01 $4.22 $3.52 $4.48 $4.73 $0.46
Adjusted Weighted Average Basic Shares Outstanding		 32.22M 32.15M 32.71M 32.83M 31.46M 28.41M 27.73M 27.14M 25.30M 24.36M 19.48M
Adjusted Diluted Earnings per Share		 $2.90 $3.24 $3.06 $4.24 $4.83 $3.97 $4.17 $1.75 $4.45 $4.71 $0.46
Adjusted Weighted Average Diluted Shares Outstanding		 32.22M 32.15M 32.71M 32.83M 31.46M 28.41M 27.73M 27.14M 25.30M 24.36M 19.48M
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		 32.22M 32.15M 32.71M 32.83M 31.46M 28.41M 27.73M 27.14M 25.30M 24.36M 19.48M
Normalized Net Operating Profit after Tax (NOPAT)		 97 108 102 143 158 120 120 100 118 119 11
Normalized NOPAT Margin		 12.89% 13.84% 12.75% 17.81% 18.85% 16.89% 17.03% 13.99% 13.88% 13.48% 1.26%
Pre Tax Income Margin		 13.22% 18.04% 17.97% 21.18% 23.18% 20.76% 20.91% 15.64% 17.44% 16.66% 1.40%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 37.81 88.94 103.86 114.00 324.00 370.25 295.00 16.94 0.00 0.00 0.00
NOPAT to Interest Expense		 35.91 67.45 72.99 95.03 262.64 300.31 239.41 14.70 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 33.56 85.81 98.00 107.00 303.83 356.50 287.80 16.20 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 31.65 64.32 67.13 88.03 242.48 286.56 232.21 13.95 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 8.16% 10.78% 19.47% 18.90% 18.01% 25.46% 24.31% 373.14% 25.15% 25.55% 276.85%
Augmented Payout Ratio		 8.16% 30.55% 19.47% 21.87% 60.98% 108.43% 60.02% 498.76% 89.59% 61.47% 1,969.44%

Quarterly Metrics And Ratios for Employers

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - 24,716,104.00 - - - 22,479,106.00 19,481,997.00
DEI Adjusted Shares Outstanding		 - - - - - 24,716,104.00 - - - 22,479,106.00 19,481,997.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 1.15 - - - -1.04 0.52
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.44% 1.76% 8.04% 0.84% 10.07% -4.03% -9.19% 13.50% 6.83% -21.28% 2.47%
EBITDA Growth		 -22.44% -3.48% 3.47% -57.06% 51.65% -34.19% -51.29% -12.00% -120.35% -177.28% -19.58%
EBIT Growth		 -26.10% -2.57% -62.41% -12.47% 99.46% -34.53% -54.96% -7.50% -130.52% -185.59% -19.50%
NOPAT Growth		 -25.91% -9.60% 11.10% -56.47% 104.67% -31.85% -54.77% -6.31% -125.87% -173.46% -20.31%
Net Income Growth		 -26.70% -3.39% 19.92% -9.17% 116.43% -37.94% -54.77% -6.31% -127.39% -182.69% -20.31%
EPS Growth		 -22.86% 3.55% 29.07% -3.85% 124.07% -34.86% -53.15% -1.60% -129.75% -181.58% 0.00%
Operating Cash Flow Growth		 -14.53% -14.55% -86.05% 250.00% 0.00% -52.54% 2,333.33% 0.00% -42.35% -94.66% -84.93%
Free Cash Flow Firm Growth		 44.60% 15.77% 98.39% -5,591.24% 242.95% 149.22% 147.71% 201.79% -118.52% 442.00% 81.60%
Invested Capital Growth		 3.33% 3.43% 5.24% 0.00% -1.49% 1.54% -0.84% 0.00% 0.13% -3.46% -2.39%
Revenue Q/Q Growth		 -5.44% 10.91% -1.15% -2.73% 0.00% -3.30% 0.00% 21.57% -2.84% -28.75% 21.76%
EBITDA Q/Q Growth		 -76.91% 140.50% -33.33% 15.98% 0.00% -4.96% 0.00% 109.52% -120.71% -260.98% 151.35%
EBIT Q/Q Growth		 -59.74% 188.04% -33.40% 13.31% 0.00% -5.45% 0.00% 132.70% -130.27% -165.18% 143.10%
NOPAT Q/Q Growth		 -79.67% 180.49% -31.85% 12.01% 0.00% -6.60% 0.00% 132.03% -126.40% -165.18% 149.06%
Net Income Q/Q Growth		 -59.89% 225.71% -37.94% 12.01% 0.00% -6.60% 0.00% 132.03% -127.95% -181.93% 143.59%
EPS Q/Q Growth		 -58.46% 224.07% -36.57% 12.61% 0.00% -5.79% 0.00% 136.54% -129.27% -158.33% 155.91%
Operating Cash Flow Q/Q Growth		 424.36% 9.09% -97.83% 1,850.00% 0.00% -74.31% 11.45% 0.00% 0.00% -97.62% 214.29%
Free Cash Flow Firm Q/Q Growth		 -238.18% 69.63% -368.94% -2,690.46% 0.00% -89.54% 0.00% 5,853.60% -100.65% 406.06% 52.30%
Invested Capital Q/Q Growth		 -0.20% 0.85% 1.60% 100.00% 0.00% 3.80% 0.00% 0.95% -4.02% 0.35% 0.27%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 30.42% 271.25% 100.00% 37.88% 35.67% -28.86% 100.00% 32.52% 12.41% -78.24% 26.40%
EBITDA Margin		 11.89% 25.79% 17.39% 20.74% 16.38% 17.68% 9.33% 16.08% -3.43% -17.36% 7.32%
Operating Margin		 9.04% 23.48% 15.82% 18.43% 16.38% 16.02% 7.85% 15.02% -4.68% -17.42% 6.17%
EBIT Margin		 9.04% 23.48% 15.82% 18.43% 16.38% 16.02% 7.85% 15.02% -4.68% -17.42% 6.17%
Profit (Net Income) Margin		 6.88% 20.20% 12.68% 14.61% 13.53% 13.07% 6.32% 12.06% -3.47% -13.72% 4.91%
Tax Burden Percent		 80.46% 78.35% 80.17% 79.25% 82.56% 81.56% 80.50% 80.27% 74.11% 78.79% 79.69%
Interest Burden Percent		 94.57% 109.81% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.54% 21.65% 19.83% 20.75% 17.44% 18.44% 19.50% 19.73% 0.00% 0.00% 20.31%
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)		 13.03% 12.06% 12.30% 0.00% 0.00% 11.39% 9.83% 9.33% 5.86% 1.07% 0.84%
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)		 2.12% 5.50% 3.76% 0.00% 0.00% 3.98% 1.90% 3.77% -1.19% -4.29% 1.52%
Return on Assets (ROA)		 1.61% 4.73% 3.02% 0.00% 0.00% 3.25% 1.53% 3.03% -0.88% -3.38% 1.21%
Return on Common Equity (ROCE)		 13.03% 12.06% 12.30% 0.00% 0.00% 11.39% 9.83% 9.33% 5.86% 1.07% 0.84%
Return on Equity Simple (ROE_SIMPLE)		 13.03% 0.00% 12.01% 0.00% 0.00% 0.00% 9.58% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 15 42 28 32 30 28 13 30 -7.84 -21 10
NOPAT Margin		 7.28% 18.40% 12.68% 14.61% 13.53% 13.07% 6.32% 12.06% -3.28% -12.19% 4.91%
Net Nonoperating Expense Percent (NNEP)		 -0.03% 0.16% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.02% -0.10% 0.00%
Return On Investment Capital (ROIC_SIMPLE)		 - 4.07% 2.75% - - 2.64% 1.19% 2.73% -0.75% -2.09% 1.02%
Cost of Revenue to Revenue		 69.58% -171.25% 0.00% 62.12% 64.33% 128.86% 0.00% 67.48% 87.59% 178.24% 73.60%
SG&A Expenses to Revenue		 21.38% -54.45% 0.00% 0.00% 19.29% 81.49% 0.00% 0.00% 0.00% 97.01% 19.70%
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		 21.38% 247.76% 84.18% 19.45% 19.29% -44.88% 92.15% 17.50% 17.09% -60.82% 20.23%
Earnings before Interest and Taxes (EBIT)		 18 53 35 40 37 35 16 37 -11 -30 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 24 58 39 45 37 38 19 40 -8.20 -30 15
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.10 0.97 1.09 0.00 1.09 1.15 1.15 1.05 0.96 1.02 0.93
Price to Tangible Book Value (P/TBV)		 1.17 1.02 1.15 0.00 1.14 1.21 1.20 1.10 1.01 1.07 0.98
Price to Revenue (P/Rev)		 1.20 1.16 1.29 1.21 0.00 1.40 1.43 1.28 1.10 1.13 0.93
Price to Earnings (P/E)		 8.47 8.37 9.12 8.81 0.00 10.38 11.96 11.22 15.98 89.85 97.74
Dividend Yield		 5.99% 6.12% 2.53% 2.74% 2.42% 2.37% 2.37% 2.59% 2.92% 2.92% 3.11%
Earnings Yield		 11.81% 11.95% 10.97% 11.35% 0.00% 9.63% 8.36% 8.91% 6.26% 1.11% 1.02%
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		 0.05 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.04 0.15
Long-Term Debt to Equity		 0.05 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.15
Financial Leverage		 -2.66 -2.54 -3.76 0.00 -2.50 -2.41 -2.40 -2.35 -2.42 -2.47 -2.53
Leverage Ratio		 3.94 3.71 3.65 0.00 3.55 3.41 3.39 3.27 3.35 3.45 3.60
Compound Leverage Factor		 3.72 4.08 3.65 0.00 3.55 3.41 3.39 3.27 3.35 3.45 3.60
Debt to Total Capital		 4.72% 0.58% 0.50% 0.00% 0.43% 0.39% 0.35% 0.31% 0.39% 3.91% 12.94%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.61% 0.00%
Long-Term Debt to Total Capital		 4.72% 0.58% 0.50% 0.00% 0.43% 0.39% 0.35% 0.31% 0.39% 2.30% 12.94%
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		 95.28% 99.42% 99.50% 0.00% 99.57% 99.61% 99.65% 99.69% 99.61% 96.09% 87.06%
Debt to EBITDA		 0.26 0.03 0.03 0.00 0.00 0.03 0.03 0.02 0.05 1.88 7.58
Net Debt to EBITDA		 -13.58 -14.60 -14.31 0.00 0.00 -15.66 -17.87 -18.53 -28.82 -119.58 -139.67
Long-Term Debt to EBITDA		 0.26 0.03 0.03 0.00 0.00 0.03 0.03 0.02 0.05 1.11 7.58
Debt to NOPAT		 0.36 0.05 0.04 0.00 0.00 0.04 0.04 0.03 0.07 3.60 15.71
Net Debt to NOPAT		 -19.24 -21.30 -20.53 0.00 0.00 -21.45 -24.70 -25.12 -40.85 -229.20 -289.56
Long-Term Debt to NOPAT		 0.36 0.05 0.04 0.00 0.00 0.04 0.04 0.03 0.07 2.12 15.71
Altman Z-Score		 1.73 1.81 1.81 0.00 0.00 1.90 1.85 1.86 1.79 1.82 1.80
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		 25.52 84.76 25.66 0.00 25.81 103.14 26.54 27.21 27.21 56.91 29.95
Quick Ratio		 25.51 84.75 25.66 0.00 25.81 102.90 26.53 27.20 27.21 56.50 29.75
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -37 -11 -52 -1,462 53 5.50 25 1,488 -9.74 30 45
Operating Cash Flow to CapEx		 2,811.11% 3,942.86% 46.15% 1,170.00% 0.00% 770.59% 2,920.00% 0.00% 4,900.00% 350.00% 244.44%
Free Cash Flow to Firm to Interest Expense		 -36.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 25.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 24.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.23 0.23 0.24 0.00 0.00 0.25 0.24 0.25 0.25 0.25 0.25
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		 85.56 91.99 96.93 0.00 0.00 123.17 119.47 115.52 127.44 120.10 121.65
Accounts Payable Turnover		 23.05 0.00 0.00 0.00 0.00 23.57 29.81 34.64 33.16 30.48 36.25
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)		 15.83 0.00 0.00 0.00 0.00 15.49 12.25 10.54 11.01 11.98 10.07
Cash Conversion Cycle (CCC)		 -15.83 0.00 0.00 0.00 0.00 -15.49 -12.25 -10.54 -11.01 -11.98 -10.07
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 -1,497 -1,484 -1,461 0.00 -1,519 -1,461 -1,473 -1,459 -1,517 -1,512 -1,508
Invested Capital Turnover		 -0.56 -0.56 -0.58 0.00 0.00 -0.60 -0.59 -1.22 -0.60 -0.58 -0.58
Increase / (Decrease) in Invested Capital		 52 53 81 1,494 -22 23 -12 -1,459 1.90 -51 -35
Enterprise Value (EV)		 -1,402 -1,527 -1,364 0.00 -1,421 -1,313 -1,315 -1,408 -1,558 -1,505 -1,573
Market Capitalization		 1,014 988 1,120 1,054 1,191 1,231 1,233 1,134 999 970 801
Book Value per Share		 $35.26 $39.42 $40.43 $0.00 $44.02 $43.24 $44.16 $45.05 $44.20 $42.52 $44.48
Tangible Book Value per Share		 $33.35 $37.48 $38.46 $0.00 $42.02 $41.22 $42.12 $42.98 $42.08 $40.30 $41.92
Total Capital		 965 1,020 1,028 0.00 1,098 1,073 1,080 1,087 1,043 995 995
Total Debt		 46 5.90 5.10 0.00 4.70 4.20 3.80 3.40 4.10 39 129
Total Long-Term Debt		 46 5.90 5.10 0.00 4.70 4.20 3.80 3.40 4.10 23 129
Net Debt		 -2,416 -2,515 -2,483 0.00 -2,613 -2,544 -2,548 -2,542 -2,557 -2,475 -2,374
Capital Expenditures (CapEx)		 0.90 0.70 1.30 1.00 0.00 1.70 0.50 0.90 0.60 0.20 0.90
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -85 -26 -84 0.00 -87 -16 -83 -80 -80 -7.30 -60
Debt-free Net Working Capital (DFNWC)		 2,086 2,186 2,069 0.00 2,168 2,165 2,120 2,091 2,086 2,219 2,157
Net Working Capital (NWC)		 2,086 2,186 2,069 0.00 2,168 2,165 2,120 2,091 2,086 2,203 2,157
Net Nonoperating Expense (NNE)		 0.80 -4.07 0.00 0.00 0.00 0.00 0.00 0.00 0.46 2.61 0.00
Net Nonoperating Obligations (NNO)		 -2,416 -2,498 -2,483 0.00 -2,613 -2,530 -2,548 -2,542 -2,557 -2,468 -2,374
Total Depreciation and Amortization (D&A)		 5.80 5.20 3.50 5.00 0.00 3.60 3.00 2.60 3.00 0.10 2.40
Debt-free, Cash-free Net Working Capital to Revenue		 -10.05% -3.07% -9.67% 0.00% 0.00% -1.86% -9.65% -8.97% -8.80% -0.85% -6.89%
Debt-free Net Working Capital to Revenue		 246.33% 256.93% 238.48% 0.00% 0.00% 245.86% 246.41% 235.10% 230.59% 258.41% 249.75%
Net Working Capital to Revenue		 246.33% 256.93% 238.48% 0.00% 0.00% 245.86% 246.41% 235.10% 230.59% 256.55% 249.75%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.54 $1.76 $0.00 $0.00 $1.22 $1.14 $0.52 $1.24 ($0.36) ($0.94) $0.53
Adjusted Weighted Average Basic Shares Outstanding		 25.72M 25.30M 0.00 0.00 24.72M 24.36M 24.04M 23.51M 22.48M 19.48M 18.24M
Adjusted Diluted Earnings per Share		 $0.54 $1.75 $0.00 $0.00 $1.21 $1.14 $0.52 $1.23 ($0.36) ($0.93) $0.52
Adjusted Weighted Average Diluted Shares Outstanding		 25.72M 25.30M 0.00 0.00 24.72M 24.36M 24.04M 23.51M 22.48M 19.48M 18.24M
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		 25.72M 25.30M 0.00 0.00 24.72M 24.36M 24.04M 23.51M 22.48M 19.48M 18.24M
Normalized Net Operating Profit after Tax (NOPAT)		 15 42 28 32 30 28 13 30 -7.84 -21 10
Normalized NOPAT Margin		 7.28% 18.40% 12.68% 14.61% 13.53% 13.07% 6.32% 12.06% -3.28% -12.19% 4.91%
Pre Tax Income Margin		 8.55% 25.79% 15.82% 18.43% 16.38% 16.02% 7.85% 15.02% -4.68% -17.42% 6.17%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 18.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 14.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 17.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 13.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 53.05% 25.15% 24.35% 25.00% 0.00% 25.55% 29.10% 29.97% 48.48% 276.85% 350.00%
Augmented Payout Ratio		 105.85% 89.59% 81.84% 70.48% 0.00% 61.47% 84.19% 90.80% 207.36% 1,969.44% 3,304.88%

Financials Breakdown Chart

Key Financial Trends

Here are key takeaways on Employers Holdings, Inc. (NYSE: EIG) based on the quarterly data provided for the last four years. The bulleted points are organized to highlight potential positives first, then neutral observations, and finally the negatives that may concern investors.

  • Strong operating cash flow in Q3 2025: Net cash from continuing operating activities was about $29.4M, signaling solid cash generation from core operations in that quarter.
  • Significant investing cash inflows in Q4 2025: Net cash from continuing investing activities benefited from a $633.4M sale/maturity of investments, helping liquidity despite other outlays.
  • Healthy quarterly cash increase in Q3 2025: Net change in cash and equivalents rose by about $97.7M that quarter, reflecting a notable cash cushion.
  • Liquidity mix shows substantial readily deployable assets in mid-2025: Cash and equivalents (~$167M) plus short-term investments (~$2.00B) in Q3 2025 provide strong liquidity coverage.
  • Solid equity base: Total equity around $1.039B in Q3 2025 offers a substantial cushion to absorb potential volatility.
  • No long-term debt in recent period: Long-term debt was reported at zero in Q3 2025, reducing fixed financial obligations.
  • Revenue fluctuates by quarter: Operating revenue was about $239.3M in Q3 2025 but ranged lower in Q4 2025 (about $170.5M), indicating topline volatility rather than steady growth.
  • Earnings per share vary by quarter: EPS moved from positive to negative across 2025 (e.g., Q4 2025 EPS around -$0.93 vs. Q3 2025 EPS about -$0.36, with Q2 2025 at roughly $1.23 and Q1 2025 around $0.52).
  • Weak Q4 2025 profitability: Net income for continuing operations was about -$23.4M in Q4 2025, and gross profit was negative (-$133.4M) as revenue ($170.5M) could not cover cost of revenue ($303.9M).
  • Margin compression in Q4 2025: Total gross profit of -$133.4M and total operating expenses of about -$103.7M led to a negative operating income of roughly -$29.7M for the quarter.
  • Financing outflows in Q4 2025: Net cash from financing activities was negative by about -$66.2M, indicating cash requirements for financing activities in that period.
  • Leverage edge remains notable: Total liabilities (~$2.49B) versus equity (~$1.04B) yields a debt-to-equity-like balance around 2.4x, signaling elevated leverage risk despite recent debt-zero in some periods.
  • Significant equity investments offset by purchases: In Q4 2025, purchases of investments totaled about -$574.7M while sales/maturities totaled +$633.4M, yielding a net investing cash flow of about +$58.5M but representing a large shift in asset mix.
05/25/26 04:46 PM ETAI Generated. May Contain Errors.

Employers Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Employers' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Employers' net income appears to be on a downward trend, with a most recent value of $10.80 million in 2025, falling from $94.40 million in 2015. The previous period was $118.60 million in 2024. See where experts think Employers is headed by visiting Employers' forecast page.

Employers' total operating income in 2025 was $12 million, based on the following breakdown:
  • Total Gross Profit: $179 million
  • Total Operating Expenses: $167 million

Over the last 10 years, Employers' total revenue changed from $752.10 million in 2015 to $858.70 million in 2025, a change of 14.2%.

Employers' total liabilities were at $2.48 billion at the end of 2025, a 0.3% increase from 2024, and a 17.2% decrease since 2015.

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 $159.80 million as of their latest financial filing in 2025.

Over the last 10 years, Employers' book value per share changed from 23.72 in 2015 to 42.52 in 2025, a change of 79.3%.


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Financial statements for NYSE:EIG last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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