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Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Employers Holdings, Inc. (EHI) is a holding company, which was incorporated in Nevada in 2005, with subsidiaries that are specialty providers of workers' compensation insurance and related services focused on small and mid-sized businesses engaged in lower hazard industries. In February 2026, we launched a new excess workers' compensation product that will be offered to self-insured ent…
$49.12
+$0.03 (+0.06%)
EOD Sep 1, 2026
Net margin is thin at 1.26%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 2.5% YoY. For a bank, this often signals contracting loan book or reduced fee income.
At 60x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 91% YoY, profitability momentum has weakened.
59.9x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$838M
▼ -2.5% YoY
Net Income (TTM)
$8M
▼ -90.9% YoY
Net Margin
0.91%
P/E
59.9x
Balance Sheet
Total Assets
$3.38B
Equity
$859M
Total Debt
$129M
Cash & Equiv.
$135M
5Y CAGR: +3.8%
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SourceComputed from the 10-Q filed 30 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 31 Jul 2026. How this is calculated.
Price from market data, last close as of 1 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 59.9 and a price-to-free-cash-flow of 41.2, Employers Holdings (EIG) trades above a two-stage DCF intrinsic value of about $47.21 per share, so at $49.12 the stock looks overvalued (3.9% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Employers Holdings scores 60/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.0%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $47.21 per share for EIG, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $35.41. At today's $49.12, that puts the stock about 3.9% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Employers Holdings scores 60 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Employers Holdings pays a regular dividend of about $1.48 per share per year (typically in quarterly installments), a yield of roughly 3.0% at the current price. That is a payout ratio of about 356.6% of earnings, so the dividend is stretched at this level. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For EIG's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. EIG currently trades above its estimated intrinsic value and scores 60/100 on quality (solid). It also yields about 3.0%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.