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Employers Holdings Inc (EIG) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell EIG stock right now?

Employers Holdings Inc (EIG) currently earns a Roarable Rating of D (Sell — SELL) with 48/100 RQD Confidence. Stretched risk/reward at 82x P/E (1% return on capital) under elevated 10-year interest-rate pressure.

Q: What is EIG's 12-month price target and RQD AI Jury consensus?

EIG's 12-month base price target is $46.87 (range $36.56 to $56.19), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

$49.08 -4.53% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Employers Holdings Inc (EIG) carries a Roarable Rating of D (Sell) with 48/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $881.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EIG)Realized 20D OHLCV Swing Band: ±6.2%

RSI-14 MOMENTUMOVERSOLD (<32)

24.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE75% OF RANGE

L: $36$49.08H: $54

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 13 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on EIG

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

1.1% ROIC with 42.0% gross margin and 5.06% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (38)

13/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like EIG

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Priced at 82x earnings—high expectations leave less room for a lukewarm quarter.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EIG)

✓Walkthrough of EIG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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EIG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.52%📐 HORIZONTAL RANGE

2026-10-30O $49.83H $49.83L $44.67C $49.08VOL 280.5K

RES: $53.59SUP: $46.63SMA50: $49.45SMA200: $45.86

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EIG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EIG Butterfly Map → + Track EIG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

48.0%/yr Implied 5Y Growth

vs. -2.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on EIG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EIG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EIG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EIG)

Financials Rank #890 of 1096 ⚔️ DGICB vs EIG Full Matrix →

1. Head-to-Head Financials Peer Comparison (EIG vs. DGICB, ROOT, HIPO, IGIC)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Employers Holdings Inc (EIG) ranks #890 by composite RQD confidence (48/100, grade D) and #577 by equity capitalization ($881.5M). Within this direct 5-issuer industry benchmark cohort, IGIC leads on earnings valuation at 8.3x trailing P/E, while ROOT leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. ROOT currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with EIG at 48/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
EIG ACTIVE Employers Holdings Inc	D	48/100	81.6x	—	1.1%	-4.53%	$881.5M	Benchmark Subject
DGICB Donegal Group Inc. (Class B)	D+	57/100	11.1x	—	12.4%	-8.49%	$879.7M	/dgicb-vs-eig →
ROOT Root Inc. (Class A)	B-	70/100	20.8x	—	85.0%	+3.13%	$832.5M	/root-vs-eig →
HIPO Hippo Holdings Inc.	D+	58/100	15.7x	—	14.4%	-1.46%	$980.6M	/hipo-vs-eig →
IGIC International General Insurance Holdings Ltd. Ordinary Share	D+	58/100	8.3x	—	17.9%	+1.69%	$1.06B	/igic-vs-eig →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001379041

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Employers Holdings Inc (EIG) reported GAAP revenue of $858.7M (-2.5% vs. FY2024 revenue of $880.7M , and +0.9% cumulative change since FY2023) , GAAP net income of $10.8M, operating cash flow of $44.7M, and free cash flow of $44.6M (-41.5% YoY). On the balance sheet, EIG closed FY2025 with $3.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$858.7M	$10.8M	$44.7M	$44.6M	$3.44B	—
FY2024 (FY)	2024-12-31	$880.7M	$118.6M	$76.4M	$76.3M	$3.54B	—
FY2023 (FY)	2023-12-31	$850.9M	$118.1M	$49.4M	$49.4M	—	—

3. EIG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EIG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Employers Holdings Inc (NYSE: EIG) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $49.08 (-4.53% 1D, market cap $881.5M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, EIG ranks #890 in composite RQD confidence.

How does EIG compare to DGICB and ROOT in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), EIG carries a Roarable D (48/100 RQD), trailing P/E of 81.6x, gross margin of —, and ROIC of 1.1%. By comparison, DGICB (Donegal Group Inc. (Class B)) holds a D+ grade (57/100 RQD, P/E 11.1x, ROIC 12.4%, cap $879.7M) and ROOT (Root Inc. (Class A)) posts a B- grade (70/100 RQD, P/E 20.8x, ROIC 85.0%, cap $832.5M). Among the 5-stock peer group, IGIC leads on earnings multiple (8.3x) while ROOT leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EIG?

Per EIG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001379041), Employers Holdings Inc generated $858.7M in revenue (-2.5% YoY), $10.8M in net income, and $44.6M in free cash flow against $3.44B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EIG trading relative to its 50-day, 200-day, and 52-week technical levels?

EIG last traded at $49.08 (-4.53% on volume of 253,681 shares), positioning the stock -0.75% below its 50-day simple moving average ($49.45) and +7.02% above its 200-day simple moving average ($45.86). Across its 52-week range of $35.73 to $53.51, EIG sits at the 75.1% percentile with a 14-day RSI of 24.9 (OVERSOLD (<32)) and an implied next-earnings move of ±6.2% ($46.04 to $52.12).

EIG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell EIG stock right now?

Employers Holdings Inc (EIG) currently earns a Roarable Rating of D (Sell — SELL) with 48/100 RQD Confidence. Stretched risk/reward at 82x P/E (1% return on capital) under elevated 10-year interest-rate pressure.

What is EIG's 12-month price target and RQD AI Jury consensus?

EIG's 12-month base price target is $46.87 (range $36.56 to $56.19), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: EIG RQD Cockpit EIG 12M Forecast EIG Earnings & Move EIG Dividends & DRIP EIG Insiders & 13F EIG Whale Options EIG Profit Sankey EIG News & Why