Employers Holdings (EIG) Fair Value & Analysis
Financial Services · US · Market cap $849M
Employers Holdings
EIG · US
Fair value as of: Jul 26, 2026
From 4 valuation models · updated 15 days ago
Share price −3.3% over the past month.
A solid business, but screening 84% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($9.62). The favourable scenario is already priced in.
- Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range $28.81 – $51.93 · fair‑value band $5.77 – $9.62 · the $49.49 price screens above the $7.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
Employers Holdings (EIG) currently trades at $49.49, while our model-based Fair Value estimate is $7.70, implying the stock looks roughly 84.4% overvalued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Employers Holdings generated revenue of $864M at a net margin of 1.0%. Revenue grew 2.5% year over year. It earns a return on equity of 0.8%. The balance sheet holds a net cash position of $121M. Fundamentals as of Jul 26, 2026
Our scenario range runs from $5.77 (bear case) to $9.62 (bull case); at $49.49, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 42% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at -84%, EIG screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Asset-Based ($35.10) versus Multiples ($7.70). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 76
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Employers Holdings, Inc., through its subsidiaries, provides workers' compensation insurance and services in the United States. The company offers insurance to small businesses in low to medium hazard industries.
Full company description
Employers Holdings, Inc., through its subsidiaries, provides workers' compensation insurance and services in the United States. The company offers insurance to small businesses in low to medium hazard industries. It market its products through local, regional, specialty and national insurance agents and brokers; national, regional, and local trade groups and associations; and direct-to-customer interactions. Employers Holdings, Inc. was founded in 2000 and is based in Reno, Nevada.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Employers Holdings reported revenue of $858M in FY2025 versus $703M in FY2021, a compound +5.1%/yr. Reported net income was $10.8M in FY2025, compounding −45.1%/yr from FY2021.
EIG screens 84% overvalued. Compare with Fidelity National Financial, Inc →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Employers Holdings (EIG) Q2 Earnings and Revenues Surpass Estimates
- 3 Reasons to Sell EIG and 1 Stock to Buy Instead
- Employers Holdings, Inc. Appoints Stephanie C. Bush to Board of Directors
Peer Group
Insurance - Specialty · 32 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Specialty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 66/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $49.53 | $29.08 | -41% |
| AXIS Capital Holdings AXS | $114.62 | $177.90 | +55% |
| First American Financial Corporation FAF | $70.06 | $79.33 | +13% |
| Enact Holdings ACT | $46.52 | $62.79 | +35% |
| MGIC Investment Corporation MTG | $29.47 | $45.39 | +54% |
| Essent Group ESNT | $66.71 | $97.33 | +46% |
| Radian Group RDN | $39.14 | $56.98 | +46% |
| Protector Forsikring ASA PROT | kr 485.80 | kr 418.04 | -14% |
| Assured Guaranty Ltd AGO | $82.49 | $147.67 | +79% |
| NMI Holdings NMIH | $41.16 | $66.55 | +62% |
Compare Employers Holdings with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Employers Holdings (EIG) overvalued or undervalued?
What is the fair value of EIG?
What is the quality score of EIG?
What is the revenue of Employers Holdings (EIG)?
What is the net profit margin of EIG?
Does Employers Holdings pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Employers Holdings and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.