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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
SEC XBRL FY 2025 (10-K): 5.2% FCF Margin ($44.6M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($49.45) and Max Pain ($51.53) forces dealer call-delta covering toward $56.19.
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.
Employers Holdings Inc (EIG) dropped -4.53% to $49.08, trading at 75% of its 52-week range ($35.73 – $53.51). Stretched risk/reward at 82x P/E (1% return on capital) under elevated 10-year interest-rate pressure.
Employers Holdings just gave investors a reality check. The stock dropped about 4.5% to around $49 in the first full trading session after its Q3 2026 report, even though the headline number flipped the workers compensat
Employers (NYSE:EIG) reported third-quarter 2026 net income of $0.64 per diluted share, compared with a net loss of $0.36 per diluted share a year earlier, as the workers’ compensation insurer cited improved underwriting
Returns to profitability as re-underwriting stabilizes reserves and boosts investment income.
Employers Holdings, Inc. (EIG) Q3 2026 Earnings Call October 29, 2026 11:00 AM EDTCompany ParticipantsJeffrey Lisenby - Executive Vice President &...
Travelers' new AI-powered quoting tool halves workers' compensation quote times, streamlining submissions and potentially driving small commercial insurance growth.
Moby summary of Employers Holdings, Inc.'s Q3 2026 earnings call
Employers Holdings (NYSE:EIG) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga
Employers Holdings Q3 2026: adjusted EPS beat estimates, revenue missed as premiums fell; underwriting improved but combined ratio stayed above 100.
Employers Holdings (EIG) delivered earnings and revenue surprises of +16.39% and -0.68%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -2.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on EIG today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for EIG. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why EIG Stock dropped -4.53% Today — RQD Quant Desk Flash. Stretched risk/reward at 82x P/E (1% return on capital) under elevated 10-year interest-rate pressure.
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