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Upturn AI SWOT - About
EIG 
Employers Holdings Inc (EIG)
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Upturn Advisory Summary
10/15/2025: 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 $46
1 Year Target Price $46
| 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 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 956.45M USD | Price to earnings Ratio 9.95 | 1Y Target Price 46 |
Price to earnings Ratio 9.95 | 1Y Target Price 46 | ||
Volume (30-day avg) 3 | Beta 0.51 | 52 Weeks Range 37.90 - 53.12 | Updated Date 10/16/2025 |
52 Weeks Range 37.90 - 53.12 | Updated Date 10/16/2025 | ||
Dividends yield (FY) 2.93% | Basic EPS (TTM) 4.09 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When - | Estimate 0.5895 | Actual - |
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 9.95 | Forward PE 13.61 | Enterprise Value 925548634 | Price to Sales(TTM) 1.08 |
Enterprise Value 925548634 | Price to Sales(TTM) 1.08 | ||
Enterprise Value to Revenue 1.04 | Enterprise Value to EBITDA - | Shares Outstanding 23511590 | Shares Floating 23153038 |
Shares Outstanding 23511590 | Shares Floating 23153038 | ||
Percent Insiders 1.9 | Percent Institutions 86.13 |
Upturn AI SWOT
Employers Holdings Inc
Company Overview
History and Background
Employers Holdings, Inc. was founded in 2005 and is headquartered in Reno, Nevada. It emerged from a group of companies focused on workers' compensation insurance for small businesses. It has grown through organic expansion and acquisitions to become a prominent player in its niche.
Core Business Areas
- Workers' Compensation Insurance: Provides workers' compensation insurance coverage to small businesses, focusing on high-hazard industries. Includes underwriting, claims management, and risk management services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure consists of various departments responsible for underwriting, claims, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- Workers' Compensation Insurance Policies: Provides coverage for work-related injuries and illnesses. Market share information is difficult to pinpoint precisely but Employers Holdings is a significant player in the small business segment. Competitors include Hartford Financial Services, Travelers, and AmTrust Financial.
Market Dynamics
Industry Overview
The workers' compensation insurance industry is competitive and regulated. It is affected by economic conditions, regulatory changes, and healthcare costs.
Positioning
Employers Holdings Inc. focuses on small businesses in high-hazard industries, offering specialized expertise in risk management and claims handling. They are known for their focus in these specific industries.
Total Addressable Market (TAM)
The total addressable market for workers' compensation insurance is estimated to be in the tens of billions of dollars annually. Employers Holdings Inc. targets a specific niche within this TAM.
Upturn SWOT Analysis
Strengths
- Specialized expertise in high-hazard industries
- Strong relationships with independent agents
- Effective claims management processes
- Focused underwriting strategy
Weaknesses
- Concentration in specific industries makes it susceptible to downturns in those sectors
- Geographic concentration in certain states
- Smaller size compared to larger, diversified insurers
- Reliance on independent agents
Opportunities
- Expanding into new geographic markets
- Developing new products and services for existing customers
- Leveraging technology to improve efficiency and customer service
- Acquiring smaller competitors
Threats
- Increased competition from larger insurance companies
- Rising healthcare costs
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- Travelers Companies (TRV)
- Hartford Financial Services (HIG)
- AmTrust Financial Services (AFSI)
Competitive Landscape
Employers Holdings has a niche focus on small businesses in high-hazard industries, while competitors like Travelers and Hartford have broader product offerings and larger market shares. Employers Holdings benefits from its focus but could be impacted if its core target is negatively impacted by the market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions.
Future Projections: Future projections depend on overall economic conditions and analyst estimates.
Recent Initiatives: Recent initiatives may include technology upgrades, expansion into new states, and product development.
Summary
Employers Holdings Inc. is a workers' compensation insurer specializing in small businesses, particularly those in high-hazard industries. Their niche focus provides expertise but also makes them susceptible to economic downturns in those sectors. They have been growing and could continue to expand through new markets and services. Competition from larger insurers and regulatory changes pose threats to their growth. To achieve optimal results, they must mitigate risks and use their specialized knowledge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Sources
- Industry Reports
Disclaimers:
The information provided is for general informational purposes only and does not constitute financial advice. Market share data is estimated and may vary. Financial data requires recent, specific statements to be accurate.
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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