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Upturn AI SWOT - About
EIG 
Employers Holdings Inc (EIG)
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Upturn Advisory Summary
03/11/2025: EIG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 4.43% | Avg. Invested days 62 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.25B USD | Price to earnings Ratio 10.89 | 1Y Target Price 55.5 |
Price to earnings Ratio 10.89 | 1Y Target Price 55.5 | ||
Volume (30-day avg) 145207 | Beta 0.22 | 52 Weeks Range 37.71 - 53.87 | Updated Date 04/1/2025 |
52 Weeks Range 37.71 - 53.87 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.37% | Basic EPS (TTM) 4.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.47% | Operating Margin (TTM) 15.97% |
Management Effectiveness
Return on Assets (TTM) 2.59% | Return on Equity (TTM) 11.39% |
Valuation
Trailing PE 10.89 | Forward PE 13.61 | Enterprise Value 1185668804 | Price to Sales(TTM) 1.42 |
Enterprise Value 1185668804 | Price to Sales(TTM) 1.42 | ||
Enterprise Value to Revenue 1.35 | Enterprise Value to EBITDA - | Shares Outstanding 24357200 | Shares Floating 23959951 |
Shares Outstanding 24357200 | Shares Floating 23959951 | ||
Percent Insiders 1.83 | Percent Institutions 84.94 |
Analyst Ratings
Rating 3 | Target Price 56 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Employers Holdings Inc
Company Overview
History and Background
Employers Holdings Inc. was founded in 2005. It was created as a result of the privatization of Nevada's state-run workers' compensation system. Since then, it has expanded its operations nationwide.
Core Business Areas
- Workers' Compensation Insurance: Provides workers' compensation insurance to businesses, primarily small businesses, in various industries.
- Loss Control Services: Offers risk management and loss control services to help businesses reduce workplace injuries and related costs.
- Claims Management: Manages workers' compensation claims, including medical and indemnity benefits, for insured businesses.
Leadership and Structure
Katherine H. Antonello serves as the President and Chief Executive Officer. The company has a board of directors and operates with a functional organizational structure across its business segments.
Top Products and Market Share
Key Offerings
- Workers' Compensation Insurance: Employers Holdings' primary product is workers' compensation insurance. Market share data is not consistently published across the entire industry but Employers Holdings is estimated to have 1-2% national market share focused on smaller businesses. Key competitors include Travelers, Hartford, AmTrust Financial, and State National Companies.
- Loss Control Consulting: Offers consulting services to help businesses minimize workplace risks. Revenue contribution from this service is smaller compared to premiums. Competing consulting services are offered by large insurance companies and specialized risk management firms.
Market Dynamics
Industry Overview
The workers' compensation insurance industry is mature and competitive. Key drivers include employment rates, wage levels, and regulatory changes. Technological innovation and cost containment are important for insurers.
Positioning
Employers Holdings focuses on small businesses, often in higher-risk industries. Their competitive advantage is specialized expertise and targeted risk management solutions.
Total Addressable Market (TAM)
The U.S. workers' compensation market is estimated at approximately $50 billion. Employers Holdings, with ~$600M in premium, captures a small percentage of this market, leaving significant room for growth by expanding its geographic reach and coverage.
Upturn SWOT Analysis
Strengths
- Specialized expertise in workers' compensation for small businesses
- Strong risk management and loss control services
- Geographic diversification
- Efficient claims management processes
Weaknesses
- Smaller market share compared to larger national insurers
- Concentration risk in specific industries
- Susceptibility to economic downturns
- Reliance on independent agents for distribution
Opportunities
- Expansion into new geographic markets
- Development of new insurance products and services
- Leveraging technology to improve efficiency and customer experience
- Acquisition of smaller competitors
Threats
- Increased competition from larger national insurers
- Regulatory changes affecting workers' compensation
- Economic downturns leading to decreased employment and wage levels
- Rising medical costs
Competitors and Market Share
Key Competitors
- TRV
- HIG
- AFSI
- SNIC
Competitive Landscape
Employers Holdings differentiates itself by focusing on small businesses and providing specialized risk management services. Larger competitors have greater scale and broader product offerings.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Employers Holdings has experienced moderate growth in recent years, driven by expansion into new markets and increased premium rates.
Future Projections: Analysts project continued moderate growth for Employers Holdings, driven by favorable industry trends and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology to improve efficiency and customer service, as well as expansion into new geographic markets. They have also focused on expanding their agency network
Summary
Employers Holdings Inc. is a specialized workers' compensation insurer focused on small businesses. The company has a strong niche position but faces competition from larger players. Its financial performance has been steady and the dividend yield is favorable. Management should look to continue expanding into new areas and leveraging new technology to compete with the giants in the field.
Similar Companies
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
TRV
The Travelers Companies Inc
TRV
The Travelers Companies Inc
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Industry Reports
- Analyst Estimates
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is based on estimates and may not be precise. Future performance is not guaranteed.
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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