Employers Holdings Inc (EIG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Employers Holdings Inc stock (EIG) is currently trading at $40.06. Employers Holdings Inc PE ratio is 84.98. Employers Holdings Inc PS ratio (Price-to-Sales) is 0.89. Analyst consensus price target for EIG is $44.50. WallStSmart rates EIG as Underperform.
- EIG PE ratio analysis and historical PE chart
- EIG PS ratio (Price-to-Sales) history and trend
- EIG intrinsic value — DCF, Graham Number, EPV models
- EIG stock price prediction 2025 2026 2027 2028 2029 2030
- EIG fair value vs current price
- EIG insider transactions and insider buying
- Is EIG undervalued or overvalued?
- Employers Holdings Inc financial analysis — revenue, earnings, cash flow
- EIG Piotroski F-Score and Altman Z-Score
- EIG analyst price target and Smart Rating
Employers Holdings Inc
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EIG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Employers Holdings Inc (EIG)
EIG trades 1274% above its Graham fair value of $3.13, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Employers Holdings Inc (EIG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around return on equity and operating margin. Mixed signals suggest waiting for clearer direction before acting.
Employers Holdings Inc (EIG) Key Strengths (4)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
88.38% of shares held by major funds and institutions
Good growth relative to its price
Supporting Valuation Data
Employers Holdings Inc (EIG) Areas to Watch (6)
Losing money on operations
Revenue declining -21.30%, a shrinking business
Earnings declining -1.60%, profits shrinking
Very low returns on shareholder equity
Very thin margins, barely profitable
Small-cap company with higher risk but more growth potential
Supporting Valuation Data
Employers Holdings Inc (EIG) Detailed Analysis Report
Overall Assessment
This company scores 47/100 in our Smart Analysis, earning a D+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 1.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, Institutional Own.. Valuation metrics including PEG Ratio (1.32), Price/Sales (0.89), Price/Book (0.80) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Operating Margin, Revenue Growth, EPS Growth. Growth concerns include Revenue Growth at -21.30%, EPS Growth at -1.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 1.07%, Operating Margin at -17.20%, Profit Margin at 1.26%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 1.07% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -21.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Operating Margin and Revenue Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
EIG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
EIG's Price-to-Sales ratio of 0.89x sits near its historical average of 1x (39th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 39% below its historical high of 1.45x set in Nov 2022, and 81% above its historical low of 0.49x in Apr 2009. Over the past 12 months, the PS ratio has compressed from ~1.3x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Employers Holdings Inc (EIG) · FINANCIAL SERVICES › INSURANCE - SPECIALTY
The Big Picture
Employers Holdings Inc faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 859M with 21% decline year-over-year. Profit margins are strong at 126.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 107.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 499,999 in free cash flow and 699,999 in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 21% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Valuation compression risk at a P/E of 85.0x. Any growth miss could trigger a sharp correction.
Dividend sustainability with a current yield of 324.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - SPECIALTY industry trends, competitive moves, and regulatory changes that could impact Employers Holdings Inc.
Bottom Line
Employers Holdings Inc faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Employers Holdings Inc(EIG)
NYSE
FINANCIAL SERVICES
INSURANCE - SPECIALTY
USA
Employers Holdings, Inc. operates in the commercial property and casualty insurance industry primarily in the United States. The company is headquartered in Reno, Nevada.