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Upturn AI SWOT - About
EIG 
Employers Holdings Inc (EIG)
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Upturn Advisory Summary
08/14/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $53
1 Year Target Price $53
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.35% | 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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 984.90M USD | Price to earnings Ratio 10.24 | 1Y Target Price 53 |
Price to earnings Ratio 10.24 | 1Y Target Price 53 | ||
Volume (30-day avg) 3 | Beta 0.52 | 52 Weeks Range 37.90 - 53.12 | Updated Date 08/15/2025 |
52 Weeks Range 37.90 - 53.12 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.88% | Basic EPS (TTM) 4.09 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-29 | When After Market | Estimate 1.01 | Actual 0.48 |
Profitability
Profit Margin 11.37% | Operating Margin (TTM) 15.02% |
Management Effectiveness
Return on Assets (TTM) 2.19% | Return on Equity (TTM) 9.6% |
Valuation
Trailing PE 10.24 | Forward PE 13.61 | Enterprise Value 919200505 | Price to Sales(TTM) 1.11 |
Enterprise Value 919200505 | Price to Sales(TTM) 1.11 | ||
Enterprise Value to Revenue 1.03 | Enterprise Value to EBITDA - | Shares Outstanding 23511600 | Shares Floating 23150922 |
Shares Outstanding 23511600 | Shares Floating 23150922 | ||
Percent Insiders 1.9 | Percent Institutions 83.81 |
Upturn AI SWOT
Employers Holdings Inc
Company Overview
History and Background
Employers Holdings, Inc., founded in 2005, provides workers' compensation insurance primarily to small businesses. It evolved from a single-state insurer to a multi-state provider through organic growth and acquisitions.
Core Business Areas
- Workers' Compensation Insurance: Offers workers' compensation insurance policies to businesses, covering medical expenses and lost wages for employees injured on the job.
- Related Insurance Services: Provides services like risk management, safety training, and claims management to support its insurance offerings.
Leadership and Structure
Katherine H. Antonello serves as the CEO. The company has a board of directors overseeing operations. The structure is hierarchical, with regional divisions reporting to the corporate headquarters.
Top Products and Market Share
Key Offerings
- Workers' Compensation Insurance Policies: Offers workers' compensation insurance policies to small businesses, primarily in low-to-medium hazard industries. They hold an estimated <1% market share nationally, focusing on niche markets. Competitors include Travelers (TRV), The Hartford (HIG), and Liberty Mutual.
- Risk Management and Safety Services: Provides value-added services to policyholders to help them reduce workplace accidents and control costs. These services differentiate Employers from competitors offering only basic coverage, but revenue contribution is not individually broken out and rolled into premium revenue. Competitors include specialized risk management consultancies and competitors offering similar services.
Market Dynamics
Industry Overview
The workers' compensation insurance industry is competitive and highly regulated. It is subject to economic cycles and influenced by factors like employment rates, wage levels, and healthcare costs.
Positioning
Employers Holdings is positioned as a specialist in the small business workers' compensation market, focusing on specific industries and providing tailored services. Their competitive advantage lies in their expertise and focus.
Total Addressable Market (TAM)
The US workers' compensation insurance market is estimated at over $50 billion. Employers Holdings has a small fraction of this market and focuses on specific segments.
Upturn SWOT Analysis
Strengths
- Specialization in small business workers' compensation
- Strong underwriting expertise
- Effective risk management services
- Geographic diversification
Weaknesses
- Relatively small market share
- Dependence on a single line of business
- Vulnerability to economic downturns
- Geographic concentration in certain states
Opportunities
- Expansion into new geographic markets
- Acquisition of complementary businesses
- Development of new insurance products
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger insurers
- Adverse regulatory changes
- Rising healthcare costs
- Economic recession
Competitors and Market Share
Key Competitors
- TRV
- HIG
- AFRM
- WRB
- SIGI
Competitive Landscape
Employers Holdings competes with larger, more diversified insurers. Its competitive advantage is its specialization and customer service in the small business market. It faces challenges in terms of scale and resources compared to its larger rivals.
Major Acquisitions
AmCOMP
- Year: 2012
- Acquisition Price (USD millions): 71
- Strategic Rationale: Expanded Employers' geographic presence and market share in key states.
Growth Trajectory and Initiatives
Historical Growth: Employers Holdings has grown through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates would be compiled from various financial data providers (e.g., Yahoo Finance, Bloomberg).
Recent Initiatives: Employers is focused on enhancing digital capabilities, expanding its geographical footprint, and refining its underwriting practices to improve profitability.
Summary
Employers Holdings is a niche player in the workers' compensation insurance market, specializing in small businesses. Their underwriting expertise and risk management services are strengths, though their market share is relatively small. They face competition from larger insurers and economic uncertainties but have opportunities for growth through expansion and innovation. Investors should monitor performance closely.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Investor Relations Materials
- Industry Reports
- Financial News Outlets (Yahoo Finance, Bloomberg)
- NAIC (National Association of Insurance Commissioners)
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on estimations and may not be precise. Financial data should be verified through official company filings. AI rating is an estimate and not a guarantee of performance.
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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