Employers EIG
$47.30 +$0.17 (+0.36%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $47.30 0.00%
Open$46.78
Prev close$47.13
Day range$46.68 – $47.68
Volume190.9K
Market cap$829.52M
P/E (TTM)26.7
Dividend yield2.79%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$189.30M-20.9% YoY
Net profit$11.60M+239.8% YoY
Diluted EPS$0.64+277.8% YoY
Free cash flow-$12.20M-142.4% YoY
Operating cash flow-$11.40M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin3.5%
Return on equity3.0%
Return on assets0.8%
Liabilities / assets75.8%
Total debt$128.40M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Revenue as Reported | $189.30M | $220.20M | $207.60M | $858.70M | $170.50M |
| Total Operating Revenue | $189.30M | $220.20M | $207.60M | $858.70M | $170.50M |
| Total Premiums Earned | $160.20M | $174.10M | $180.90M | $761.90M | $188.50M |
| -Net Premiums Written | $149.70M | $162.00M | $179.40M | $750.10M | $155.90M |
| -Increase Decrease in Net Unearned Premium Reserves | $10.50M | $12.10M | $1.50M | $11.80M | $32.60M |
| Net Investment Income | $32.30M | $27.40M | $28.30M | $116.70M | $31.40M |
| Net Realized Gain/Loss on Investments | -$3.20M | $18.70M | -$1.70M | -$20.40M | -$49.70M |
| Total Expenses | $174.80M | $185.50M | $194.80M | $846.70M | $200.10M |
| Loss Adjustment Expense | $114.00M | $122.30M | $129.10M | $581.80M | $134.40M |
| Fees & Commission Expense | $20.60M | $22.20M | $23.70M | $97.90M | $25.80M |
| Underwriting Expenses | $38.90M | $39.70M | $40.90M | $165.40M | $39.70M |
| Net Non-Operating Interest Income (Expense) | -$1.30M | -$1.30M | -$1.10M | -$500,000.00 | -$200,000.00 |
| -Interest Expense Non-Operating | $1.30M | $1.30M | $1.10M | $500,000.00 | $200,000.00 |
| Pretax Profit | $14.50M | $34.70M | $12.80M | $12.00M | -$29.60M |
| Tax | $2.90M | $5.60M | $2.60M | $1.20M | -$6.20M |
| Net Profit | $11.60M | $29.10M | $10.20M | $10.80M | -$23.40M |
| Profit from Continuing Operations | $11.60M | $29.10M | $10.20M | $10.80M | -$23.40M |
| Net Income to Parent Company | $11.60M | $29.10M | $10.20M | $10.80M | -$23.40M |
| Net Income to Common Stockholders | $11.60M | $29.10M | $10.20M | $10.80M | -$23.40M |
| Basic EPS | $0.65 | $1.60 | $0.53 | $0.46 | -$1.06 |
| Diluted EPS | $0.64 | $1.59 | $0.52 | $0.46 | -$1.06 |
| Dividend Per Share | $0.34 | $0.34 | $0.32 | $1.26 | $0.32 |
| Fee Revenue and Other Income | – | – | $100,000.00 | $500,000.00 | $300,000.00 |
| -Other Income Expense | – | – | $100,000.00 | $500,000.00 | $300,000.00 |
| Other Operating Expenses | – | – | – | $1.10M | $0.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $3.25B | $3.38B | $3.44B | $3.44B | $3.44B |
| Cash and Cash Equivalents | $75.70M | $113.30M | $153.10M | $159.80M | $159.80M |
| Restricted Cash and Cash Equivalents | $200,000.00 | $200,000.00 | $200,000.00 | $200,000.00 | $200,000.00 |
| Total Investments | $2.26B | $2.34B | $2.33B | $2.34B | $2.34B |
| -Short Term Investments | $961.10M | $1.01B | $992.60M | $1.04B | $1.04B |
| -Equity Investments | $1.21B | $1.23B | $1.25B | $1.20B | $1.20B |
| -Other Invested Assets | $89.10M | $96.10M | $95.80M | $96.50M | $96.50M |
| Receivables | $704.80M | $729.10M | $740.10M | $743.10M | $743.10M |
| -Accounts Receivable | $698.30M | $718.70M | $725.10M | $727.00M | $727.00M |
| -Taxes Receivable | $6.50M | $10.40M | $15.00M | $16.10M | $16.10M |
| Accrued Investment Income | $15.10M | $16.30M | $15.00M | $15.50M | $15.50M |
| Net PPE | $9.40M | $9.60M | $10.10M | $10.20M | $10.20M |
| Goodwill and Other Intangible Assets | $49.80M | $49.80M | $49.80M | $49.80M | $49.80M |
| -Goodwill | $36.20M | $36.20M | $36.20M | $36.20M | $36.20M |
| -Other Intangible Assets | $13.60M | $13.60M | $13.60M | $13.60M | $13.60M |
| Deferred Policy Acquisition Costs | $55.70M | $56.30M | $57.10M | $57.10M | $57.10M |
| Other Assets | $46.50M | $51.30M | $57.40M | $47.80M | $47.80M |
| Total Liabilities | $2.47B | $2.52B | $2.57B | $2.48B | $2.48B |
| Policy Holders Liabilities | $2.11B | $2.16B | $2.20B | $2.20B | $2.20B |
| Short-Term Debt and Capital Lease Obligation | $0.00 | $0.00 | $0.00 | $16.00M | $16.00M |
| -Current Debt | $0.00 | $0.00 | $0.00 | $16.00M | $16.00M |
| Payables | $75.40M | $73.80M | $74.50M | $83.30M | $83.30M |
| -Accounts Payable | $21.90M | $18.70M | $19.30M | $23.40M | $23.40M |
| -Total Tax Payable | $53.50M | $55.10M | $55.20M | $59.90M | $59.90M |
| Long Term Debt and Capital Lease Obligation | $128.40M | $128.60M | $128.80M | $22.90M | $22.90M |
| -Long Term Debt | $125.00M | $125.00M | $125.00M | $19.00M | $19.00M |
| -Long Term Capital Lease Obligation | $3.40M | $3.60M | $3.80M | $3.90M | $3.90M |
| Non-Current Deferred Liabilities | $84.00M | $85.30M | $86.80M | $88.00M | $88.00M |
| Other Liabilities | $70.50M | $73.50M | $84.70M | $73.00M | $73.00M |
| Total Equity | $785.60M | $858.80M | $866.50M | $955.70M | $955.70M |
| Stockholders' Equity | $785.60M | $858.80M | $866.50M | $955.70M | $955.70M |
| Capital Stock | $600,000.00 | $600,000.00 | $600,000.00 | $600,000.00 | $600,000.00 |
| -Common Stock | $600,000.00 | $600,000.00 | $600,000.00 | $600,000.00 | $600,000.00 |
| -Preferred Stock | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Additional Paid-In Capital | $430.90M | $429.30M | $428.50M | $427.80M | $427.80M |
| Retained Earnings | $1.49B | $1.48B | $1.46B | $1.45B | $1.45B |
| Less: Treasury Stock | $1.06B | $1.04B | $1.01B | $933.80M | $933.80M |
| Gains/Losses Not Affecting Retained Earnings | -$74.00M | -$12.20M | -$9.00M | $7.30M | $7.30M |
Cash flow
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$11.40M | -$10.30M | $2.20M | $44.70M | $700,000.00 |
| Net cash flow from continuing operations | -$11.40M | -$10.30M | $2.20M | $44.70M | $700,000.00 |
| Net Income from Continuing Operations | $11.60M | $29.00M | $10.20M | $10.80M | -$23.40M |
| Gain/Loss from Continuing Operations | $3.20M | -$18.70M | $1.70M | $20.40M | $49.70M |
| Deferred Tax | -$1.10M | $1.10M | -$100,000.00 | $100,000.00 | -$7.70M |
| Other Non-Cash Items | -$4.20M | $5.20M | $1.40M | $10.90M | $8.00M |
| Change in Working Capital | -$26.30M | -$26.00M | -$15.00M | -$3.60M | -$19.50M |
| -Change in Receivables | $20.10M | $5.70M | $500,000.00 | $48.80M | $34.90M |
| -Change in Loss and Loss Adjustment Expense Reserves | -$41.90M | -$27.30M | -$3.30M | -$2.40M | -$16.70M |
| -Change in Payables and Accrued Expense | -$2.20M | $200,000.00 | -$100,000.00 | -$6.20M | -$4.60M |
| -Change in Unearned Premiums | -$10.20M | -$7.60M | $800,000.00 | -$10.30M | -$28.50M |
| -Change in Other Current Assets | $2.00M | -$3.80M | -$2.70M | -$3.20M | $2.40M |
| -Change in Other Current Liabilities | -$2.20M | -$400,000.00 | -$1.40M | -$6.40M | -$2.90M |
| -Change in Other Working Capital | $8.10M | $7.20M | -$8.80M | -$23.90M | -$4.10M |
| Net cash flow from investing | -$3.00M | $7.10M | -$12.30M | $225.90M | $58.50M |
| Net Cash Flow from Continuing Investing Activities | -$3.00M | $7.10M | -$12.30M | $225.90M | $58.50M |
| Capital Expenditure | -$800,000.00 | -$600,000.00 | -$900,000.00 | -$2.20M | -$200,000.00 |
| Net Investment Purchase and Sale | -$2.20M | $7.70M | -$11.40M | $228.10M | $58.70M |
| Financing Cash Flow | -$23.20M | -$36.60M | $3.40M | -$179.10M | -$66.20M |
| Net Cash Flow from Continuing Financing Activities | -$23.20M | -$36.60M | $3.40M | -$179.10M | -$66.20M |
| Net Issuance Payments of Debt | -$20.00M | $0.00 | $20.00M | $35.00M | $35.00M |
| Net Common Stock Issuance | -$16.90M | -$30.20M | -$79.30M | -$182.80M | -$94.10M |
| Cash Dividends Paid | -$6.20M | -$6.30M | -$6.30M | -$29.90M | -$7.10M |
| Proceeds from Stock Option Exercised | -$100,000.00 | -$100,000.00 | -$1.00M | -$1.40M | $0.00 |
| Net Other Financing Charges | $20.00M | $0.00 | $70.00M | – | – |
| Ending Cash Balance | $75.90M | $113.50M | $153.30M | $160.00M | $160.00M |
| Net Change in Cash | -$37.60M | -$39.80M | -$6.70M | $91.50M | -$7.00M |
| Beginning Cash Balance | $113.50M | $153.30M | $160.00M | $68.50M | $167.00M |
| Free Cash Flow | -$12.20M | -$10.90M | $1.30M | $42.50M | $500,000.00 |
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