Stock Ratings / Financials / EIG / financials

DGICB (57) ROOT (70) HIPO (58) IGIC (58) ⌘ Pro Terminal →

Employers Holdings Inc (EIG) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

Q: How profitable is Employers Holdings Inc (EIG)?

In FY 2025 (10-K), EIG converted $858.7M of revenue into a 52% gross margin, 0% operating margin, and $44.6M in free cash flow (5.2% FCF margin).

$49.08 -4.53% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $48.59

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.

📊 Historical Track Record Warning: Scores below 50 (48/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $881.5M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on EIG Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) 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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) 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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $48.58 (-1.01%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 5.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (48/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.6% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (48/100 Composite)

🔍 WHY EIG SCORES 48/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (27% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 5.2% FCF Margin ($44.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$49.40+3.7% Next Q

Q2 (-2Q)

Grade C-$51.21+1.7% Next Q

Q3 (-1Q)

Grade C-$52.08-5.8% Next Q

Current

Grade D$49.08-5.6% Hist 90D α

Trajectory: C (56) → D (48)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a EIG Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While EIG currently carries a cautious 48/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($49.45) and Max Pain ($51.53) forces dealer call-delta covering toward $56.19.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EIG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EIG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 48%NO 52%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How EIG Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$44.6M (5.2% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $850.9M

FY24

Rev $880.7M

FY25

Rev $858.7M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$858.7M	52%	0%	$10.8M	$44.6M	1.1%
FY 2024	$880.7M	52%	0%	$118.6M	$76.3M	1.1%
FY 2023	$850.9M	52%	0%	$118.1M	$49.4M	1.1%

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

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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?

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

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

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

How profitable is Employers Holdings Inc (EIG)?

In FY 2025 (10-K), EIG converted $858.7M of revenue into a 52% gross margin, 0% operating margin, and $44.6M in free cash flow (5.2% FCF margin).

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