EIGNYSEFire, Marine & Casualty InsuranceFiscal year ends December 31
Employers Holdings, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 30, 2026
$51.26+0.05 (+0.10%)
Close on Oct 19, 2026
- Market cap
- $937.53M
- P/E (TTM)
- 111.4
- Dividend yield
- 2.46%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
1.3%−15.6 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -2.5% | +6.4% | +3.8% | +1.3% | |
| Net income | -90.9% | -39.3% | -38.2% | -19.5% | |
| EPS, diluted | -90.2% | -35.9% | -35.0% | -16.8% | |
| Free cash flow | -41.5% | -23.5% | +6.3% | -9.1% | |
| Dividend per share | +6.8% | -27.3% | +4.7% | +18.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 13.3% | 10.1% | 1.1% | |
| Return on assets | 2.8% | 3.0% | 0.3% | |
| Capex to revenue | 0.1% | 0.0% | 0.0% | |
| Diluted shares | 33M | 30M | 24M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Employers generated $281.10M from operations and spent $584.30M on capital expenditure, dividends and share buybacks. 0% of that went back into the business.
Generated
$281.10M
Used
$584.30M
Capital expenditure$600.00K0%Dividends$209.20M36%Share buybacks$374.50M64%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin1.3%
×Asset turnover0.25×
×Equity multiplier3.45×
=Return on equity, FY20251.1%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 1.3% | 0.25× | 3.45× | 1.1% |
| FY2024 | 13.5% | 0.25× | 3.41× | 11.4% |
| FY2023 | 13.9% | 0.23× | 3.71× | 12.1% |
| FY2022 | 6.8% | 0.19× | 3.48× | 4.5% |
| FY2021 | 17.0% | 0.18× | 3.18× | 9.8% |
| FY2020 | 16.8% | 0.18× | 3.33× | 10.1% |
| FY2019 | 18.8% | 0.21× | 3.63× | 14.4% |
| FY2018 | 17.7% | 0.21× | 3.95× | 14.4% |
| FY2017 | 12.6% | 0.21× | 4.26× | 11.3% |
| FY2016 | 13.7% | 0.21× | 4.70× | 13.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$10.80M
- Cash generatingOperating cash flow above zero$44.70M
- Return on assets improvedROA up on the prior year3.3% → 0.3%
- Earnings backed by cashOperating cash flow above net income$44.70M vs $10.80M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise25M → 24M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.25 → 0.24