Employers Holdings, Inc. (EIG)
NYSEFinancialsInsurance - SpecialtySnapshot 2026-09-04
$49.65-0.48%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - SpecialtySnapshot 2026-09-04
QuarterlyIQ Insights · EIG
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 348.7% |
| Our one-year growth estimate | diamond | -9.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 358.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 11 industry peers
EIG — dividend update
Dated 2026-07-29
Other Events. On July 29, 2026, the Company's Board of Directors (Board) declared a regular quarterly dividend of $0.34 per share on the Company’s common stock. The dividend is payable on August 26, 2026 to stockholders of record as of August 12, 2026. Section 9 – Financial Statements and Exhibits
Why it matters: A drop in sector revenue growth could indicate broader challenges for Employers Holdings.
Worry ifSector revenue growth falls below its median of 13% year over year.
Less concerning ifSector revenue growth remains above its median of 13% year over year.
Why it matters: More share buybacks show strong trust in the company's money situation. It also returns cash to investors.
Supportive ifShare repurchases exceed $30 million in Q3.
Worry ifShare repurchases are below $10 million in Q3.
Why it matters: Successful launch of this product line could enhance growth and diversify revenue streams.
Supportive ifThe company says it will write new excess workers' compensation policies in Q3 2026.
Worry ifThe company is slow or does not write new workers' compensation policies.
Why it matters: The loss and LAE ratio helps us see how well the company is doing. It shows their profits.
Worry ifIn Q2 2026, the loss and LAE ratio drops to below 71.4%. This shows better underwriting.
Less concerning ifIn Q2 2026, the loss and LAE ratio rises above 72.0%. This may show underwriting problems.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$72 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $218 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,566 loss on $10,000 · 15.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: New products can drive growth and diversify revenue streams, which is crucial for long-term success.
Supportive ifThey announced new products. These are in addition to excess workers' compensation.
Worry ifNo new product announcements in the next quarter.
Why it matters: The loss and LAE ratio affects profits and shows underwriting quality.
Worry ifThe loss and LAE ratio increases above 72.0% for the current accident year.
Less concerning ifThe loss and LAE ratio decreases below 72.0% for the current accident year.
Why it matters: Earnings results will show if the company maintains its momentum after Q1. Investors will look for trends in premiums and loss ratios.
Watch forQ2 2026 net premiums earned show growth year over year, indicating strong performance.
Also watch forIn Q2 2026, net premiums earned drop from last year. This may show problems.
Why it matters: This product could help expand the company's market share and improve revenue. It reflects the company's focus on innovation.
Supportive ifManagement says there is a big rise in policies due to the new product.
Worry ifNo increase in policies in-force or revenue from the new product within six months.
Why it matters: Higher operating income means better control of costs. It shows more efficiency in operations.
Supportive ifOperating income shows a gain greater than $12.8 million in the next quarter.
Worry ifOperating income falls below $12.8 million in the next quarter.
Why it matters: The new $125 million share buyback plan shows management's trust. They want to return money to shareholders.
Supportive ifThe company announces completion of at least $50 million in share repurchases by the end of 2026.
Worry ifBy the end of 2026, no major share buybacks were reported. This may show problems with how they use capital.
Why it matters: Keeping the dividend shows the company is strong. It promises to return money to shareholders.
Supportive ifQ3 dividend declared at $0.34 per share.
Worry ifDividend declared below $0.34 per share.
Why it matters: Higher operating income shows the company is more efficient. This means it makes more money.
Supportive ifOperating income is positive. It is over $12.8 million in Q2 2026.
Worry ifOperating income drops or stays below $12.8 million in Q2 2026.
Why it matters: More CT claims in California could lower profits and increase loss ratios.
Worry ifThe loss and LAE ratio increases above 72% in the next quarter.
Less concerning ifThe loss and LAE ratio stays below or equal to 72%.
Why it matters: Keeping or raising the dividend shows good financial health. It shows commitment to shareholders.
Supportive ifThe company declares a dividend of $0.34 per share or higher for Q2 2026.
Worry ifThe company announces a dividend less than $0.34 per share. This may show financial trouble.
Why it matters: A big drop in premiums shows problems with keeping sales and making money.
Worry ifGross premiums written decline more than 15% year over year in Q3.
Less concerning ifGross premiums written decline less than 10% year over year in Q3.
Why it matters: A higher loss and LAE ratio shows worse underwriting quality. This could hurt profits.
Worry ifLoss and LAE ratio exceeds 72% in Q3.
Less concerning ifLoss and LAE ratio stays at or below 70% in Q3.
Why it matters: Progress on the buyback program shows a promise to give value to shareholders. This could help stock price.
Supportive ifCompany announces it has completed or made big progress on the $125M share buyback program.
Worry ifNo updates or delays reported on the share buyback program.
Why it matters: An increase in dividends shows strong financial health. It shows a promise to give back to shareholders.
Supportive ifThe company will pay a quarterly dividend of more than $0.34 per share.
Worry ifCompany keeps or lowers the quarterly dividend at $0.34 per share.