US · EIG
Employers Holdings, Inc.
- Sector
- Financial Services · Insurance - Specialty
- Headquarters
- Reno, NV 89521
- Website
- employers.com
Price · as of 2025-12-31
$41.92
Market cap 929.51M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $71.27 | +70.01% |
| Intrinsic Value(DCF) | $35.97 | -14.19% |
| Graham-Dodd Method(GD) | $21.87 | -47.83% |
| Graham Formula(GF) | $2.54 | -93.94% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $12.12 | $22.46 | $3.83 | $14.65 | $25.07 |
| 2012 | $16.39 | $31.50 | $5.03 | $29.39 | $108.17 |
| 2013 | $14.86 | $25.91 | $841.76 | $23.75 | $65.65 |
| 2014 | $18.91 | $31.46 | $469.72 | $33.02 | $47.35 |
| 2015 | $21.34 | $4,680.35 | $41.41 | $33.71 | $16.05 |
| 2016 | $28.92 | $35.18 | $9.07 | $35.93 | $38.08 |
| 2017 | $31.42 | $26.98 | $25.29 | $34.52 | $33.06 |
| 2018 | $31.98 | $40.31 | $4.48 | $39.17 | $35.76 |
| 2019 | $32.35 | $59.09 | $0.00 | $46.41 | $60.35 |
| 2020 | $31.64 | $58.96 | $74.51 | $44.07 | $0.00 |
| 2021 | $34.28 | $62.07 | $66.62 | $47.31 | $29.45 |
| 2022 | $38.79 | $35.70 | $52.34 | $0.00 | $16.66 |
| 2023 | $42.74 | $71.63 | $45.34 | $42.58 | $118.67 |
| 2024 | $47.38 | $40.94 | $48.46 | $46.74 | $54.80 |
| 2025 | $41.68 | $71.27 | $36.90 | $21.87 | $2.54 |
AI valuation
Our deep-learning model estimates Employers Holdings, Inc.'s (EIG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $71.27
- Current price
- $41.92
- AI upside
- +70.01%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$35.97
-14.19% upside
Graham-Dodd
$21.87
-47.83% upside
Graham Formula
$2.54
-93.94% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| EIG | Employers Holdings, Inc. | $41.92 | 929.51M | +70% | -14% | -48% | -94% | 92.64 | 1.05 | 1.17 | -117.06 | — | 1.10 | 32.21% | 1.40% | 1.26% | 1.07% | -1.49% | 0.31% | 0.04 | 24.00 | 4.98 | 88.29 | -197.10 | -9045.00% | -255.00% | 3119.00% | 9.37% | 2.92 | -12.91% | 2.99% | 276.90% | 242.82% | -121.94 | -15.60 | -1.71 | 1.14 |
| AMSF | AMERISAFE, Inc. | $32.53 | 617.77M | +93% | -16% | +3% | -19% | 13.53 | 0.56 | 2.01 | 9.79 | — | 0.56 | 46.43% | 18.55% | 14.86% | 6.79% | 7.89% | 6.83% | 0.00 | — | — | — | -1.05 | -1453.00% | 263.00% | -6179.00% | 1.40% | — | 1.49% | 7.62% | 103.10% | 10.42% | 9.79 | 64.58 | 1.82 | 3.07 |
| ASIC | Ategrity Specialty Holdin… | $22.12 | 1.06B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BOW | Bowhead Specialty Holding… | $25.33 | 830.4M | +227% | +2,362% | -14% | +136% | 15.58 | 1.87 | 1.52 | -11.06 | 67.01 | 1.87 | 40.16% | 12.20% | 9.75% | 13.14% | -6.07% | 2.67% | 0.00 | 33.43 | 5110.75 | 5110.75 | -3.37 | 2326.00% | 2961.00% | -10013.00% | -0.05% | -1.22 | 0.04% | 0.00% | 0.00% | 16.26% | -11.39 | 2006.63 | -1.39 | 1.47 |
| HIPO | Hippo Holdings Inc. | $28.76 | 728.64M | +228% | +3,759% | -78% | — | -26.08 | 2.06 | 2.00 | -132.94 | — | 2.51 | 19.97% | -7.36% | -10.88% | -7.73% | -71.82% | -1.86% | 0.03 | — | 1.36 | 1.36 | 44.67 | -8584.00% | 7744.00% | -13393.00% | 6.33% | 0.18 | 123.72% | 0.00% | 0.00% | 10.18% | -20.38 | 11.83 | 1.50 | -0.52 |
| SBSI | Southside Bancshares, Inc… | $31.32 | 941.67M | +55% | +190% | +749% | -98% | 13.83 | 0.11 | 2.28 | -7.02 | — | 0.12 | 55.84% | 19.72% | 16.52% | 1.48% | 1.90% | 0.56% | 0.00 | 0.45 | — | — | -0.98 | -2158.00% | -812.00% | -6832.00% | 3.00% | — | 0.79% | 4.53% | 62.70% | 78.45% | -7.02 | -20.19 | -1.38 | 0.23 |
| TIGR | UP Fintech Holding Ltd. S… | $7.82 | 1.39B | +13,979% | -53% | -24% | +141% | 19.43 | 1.80 | 3.01 | 5.88 | 27.20 | 1.84 | 65.01% | 35.57% | 15.51% | 10.61% | 76.14% | 1.20% | 0.27 | 2.29 | 1.14 | 0.69 | -1.42 | 7143.00% | 4368.00% | -895772.00% | 70.04% | 0.15 | 602.15% | 0.00% | 0.00% | 5.43% | 6.38 | 1.08 | 2.27 | 0.41 |
| TIPT | Tiptree Inc. | $17.03 | 644.14M | +111% | -18% | -77% | +163% | 9.62 | 1.84 | 0.41 | -0.77 | 3.27 | 7.99 | 58.82% | 7.31% | 2.61% | 20.05% | -17.74% | 1.62% | 0.94 | 4.63 | — | — | 0.53 | 29394.00% | 2388.00% | 31225.00% | 28.08% | — | -47.91% | 2.94% | 28.30% | 2.94% | -1.05 | -0.66 | -0.08 | 0.57 |
| UVE | Universal Insurance Holdi… | $35.17 | 986.48M | +173% | -20% | +49% | +141% | 5.53 | 1.84 | 0.63 | 2.55 | 2.58 | 1.85 | 38.21% | 15.23% | 11.47% | 39.59% | 159.97% | 8.36% | 0.18 | 50.30 | 19.39 | 19.39 | -1.51 | 21443.00% | 494.00% | 19006.00% | 37.24% | 13.36 | 329.68% | 0.00% | 0.00% | 21.65% | 2.61 | 1.68 | 0.40 | 2.93 |
| UVSP | Univest Financial Corpora… | $33.55 | 955.36M | -48% | -10% | -13% | +9% | 10.79 | 1.04 | 1.89 | 11.35 | 48.00 | 1.29 | 61.04% | 21.87% | 17.51% | 9.92% | 7.92% | 1.10% | 0.40 | 0.60 | 0.40 | 0.00 | 3.17 | 2248.00% | 358.00% | 3462.00% | 9.90% | 0.07 | 8.46% | 2.59% | 27.90% | 6.12% | 11.99 | 14.03 | 2.62 | 0.16 |
About Employers Holdings, Inc.
Employers Holdings, Inc., through its subsidiaries, operates in the commercial property and casualty insurance industry primarily in the United States. It offers workers' compensation insurance to small businesses in low to medium hazard industries. The company markets its products through independent local, regional, and national agents and brokers; alternative distribution channels; and national, regional, and local trade groups and associations, as well as directly to customers. Employers Holdings, Inc. was founded in 2000 and is based in Reno, Nevada.
- CEO
- Katherine Holt Antonello
- Employees
- 715
- Beta
- 0.57
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($35.97 ÷ $41.92) − 1 = -14.19% (DCF, example).