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Upturn AI SWOT - About
EIG 
Employers Holdings Inc (EIG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: EIG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $55.5
1 Year Target Price $55.5
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.32% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.13B USD | Price to earnings Ratio 11.43 | 1Y Target Price 55.5 |
Price to earnings Ratio 11.43 | 1Y Target Price 55.5 | ||
Volume (30-day avg) 3 | Beta 0.56 | 52 Weeks Range 40.96 - 53.52 | Updated Date 06/29/2025 |
52 Weeks Range 40.96 - 53.52 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.72% | Basic EPS (TTM) 4.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.99% | Operating Margin (TTM) 7.9% |
Management Effectiveness
Return on Assets (TTM) 2.24% | Return on Equity (TTM) 9.84% |
Valuation
Trailing PE 11.43 | Forward PE 13.61 | Enterprise Value 1035952760 | Price to Sales(TTM) 1.32 |
Enterprise Value 1035952760 | Price to Sales(TTM) 1.32 | ||
Enterprise Value to Revenue 1.2 | Enterprise Value to EBITDA - | Shares Outstanding 24040600 | Shares Floating 23687205 |
Shares Outstanding 24040600 | Shares Floating 23687205 | ||
Percent Insiders 1.82 | Percent Institutions 85.57 |
Analyst Ratings
Rating 2 | Target Price 55.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Employers Holdings Inc
Company Overview
History and Background
Employers Holdings, Inc. was founded in 2005, evolving from a risk management company focused on the workers' compensation insurance market. It became a publicly traded company in 2007. Its growth has been driven by organic expansion and strategic acquisitions, focusing on small businesses.
Core Business Areas
- Workers' Compensation Insurance: Provides workers' compensation insurance coverage to small and medium-sized businesses in select industries.
- Risk Management Services: Offers risk management solutions, including safety training, loss control, and claims management, to policyholders.
Leadership and Structure
The company has a board of directors and an executive leadership team led by the CEO. Its organizational structure is designed to support its underwriting, claims, and risk management operations.
Top Products and Market Share
Key Offerings
- Workers' Compensation Insurance: Workers' compensation insurance is the primary offering, serving small and medium businesses. Market share information is dynamic and varies by region. Competitors include Travelers, Hartford, and Liberty Mutual. Revenue is derived directly from premiums collected.
Market Dynamics
Industry Overview
The workers' compensation insurance industry is competitive and heavily regulated, with insurers managing risks associated with workplace injuries. Economic conditions, employment rates, and regulatory changes significantly influence the market.
Positioning
Employers Holdings is a specialist in the small business workers' compensation market. Its competitive advantage lies in its underwriting expertise and risk management services tailored to specific industries.
Total Addressable Market (TAM)
The US workers' compensation insurance market is estimated to be in the tens of billions annually. Employers Holdings focuses on a segment of this TAM, specifically small and medium-sized businesses. The TAM changes annually based on economic conditions and employment figures.
Upturn SWOT Analysis
Strengths
- Specialization in small business workers' compensation
- Strong underwriting expertise
- Effective risk management services
- Disciplined claims management
Weaknesses
- Geographic concentration in select states
- Sensitivity to economic downturns
- Dependence on regulatory environment
- Limited product diversification
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Leveraging technology to improve efficiency
- Strategic acquisitions to increase market share
Threats
- Increased competition from larger insurers
- Adverse regulatory changes
- Economic recessions leading to fewer insured businesses
- Rising medical costs impacting claim expenses
Competitors and Market Share
Key Competitors
- TRV
- HIG
- L
- CINF
Competitive Landscape
Employers Holdings competes primarily with larger, national insurers. Its advantage lies in its focus on small businesses and industry-specific expertise. Disadvantages include smaller scale and limited product offerings compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historically grown through organic expansion and acquisitions. Specific growth rates need recent data.
Future Projections: Future projections depend on economic conditions, regulatory changes, and competition. Analyst estimates would be required.
Recent Initiatives: Recent initiatives include expanding into new states and enhancing their risk management services.
Summary
Employers Holdings Inc. specializes in workers' compensation for small businesses and has shown consistent performance. Their strength lies in targeted underwriting, but geographic concentration presents a risk. Future success depends on adapting to regulatory changes and effectively competing with larger insurance providers. The company also has to be very aware of growing medical costs affecting claims.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, financial news sources.
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data and other financial figures are estimates based on available information and may not be precise. Real-time market data was not available for accurate figures.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Employers Holdings Inc
Exchange NYSE | Headquaters Reno, NV, United States | ||
IPO Launch date 2007-01-31 | President, CEO & Director Ms. Katherine Holt Antonello FCAS, FSA, MAAA | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 715 | Website https://www.employers.com |
Full time employees 715 | Website https://www.employers.com | ||
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.
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